Mortgage Rates Virginia (VA) for March 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Virginia. Our editorial content is independent of any advertiser relationships.
Current 30-year fixed mortgage rates in Virginia as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: State Department Federal Credit UnionState Department Federal Credit Union1630 King St, Alexandria, VA, 22201A+5.0 ★Texas Ratio: 4.53% at 5.75%, Signature Federal Credit UnionSignature Federal Credit Union12 HERBERT ST, Alexandria, VA, 22305A5.0 ★Texas Ratio: 7.33% at 5.50%, Commonwealth One Federal Credit UnionCommonwealth One Federal Credit Union170 Bluestone Dr, Alexandria, VA, 22302A-5.0 ★Texas Ratio: 14.20% at 5.75%, Langley Federal Credit UnionLangley Federal Credit Union1055 W Mercury Blvd, Carrollton, VA, 23060 5814A5.0 ★Texas Ratio: 11.01% at 5.88%, and Virginia Credit UnionVirginia Credit Union10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974A5.0 ★Texas Ratio: 6.74% at 5.88%.
Mortgage rates in Virginia (VA) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to Virginia borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Virginia Mortgage Rate Trends
Compare local Virginia mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
30-Year Fixed — VA Avg
6.276%
▲ 0.191 from last week
For buyers in Virginia, the broader Virginia 30-year fixed average mortgage rate rose 0.191 points this week to 6.276%, according to MonitorBankRates trend data.
15-Year Fixed — VA Avg
5.772%
▼ 1.999 from last week
For buyers in Virginia, the broader Virginia 15-year fixed average mortgage rate fell 1.999 points this week to 5.772%, according to MonitorBankRates trend data.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Mortgage Rates Today in Virginia
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Super Conforming 30 Year Fixed
5.75%
5.76%
▼
Rate5.75%
APR5.76%
Points0.125
UpdatedMar 11, 2026
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Conforming 30 Year Fixed
5.75%
5.77%
▼
Rate5.75%
APR5.77%
Points0.250
UpdatedMar 11, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
30-year Fixed Rate
5.50%
5.78%
▼
Rate5.50%
APR5.78%
Points2.000
UpdatedMar 15, 2026
Details
No additional details available.
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
170 Bluestone Dr, Alexandria, VA, 22302
Made to Match - 30 Year Fixed
5.75%
5.84%
▼
Rate5.75%
APR5.84%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
30-year Fixed Rate
5.65%
5.86%
▼
Rate5.65%
APR5.86%
Points1.500
UpdatedMar 15, 2026
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Conforming 30 Year Fixed
5.88%
5.88%
▼
Rate5.88%
APR5.88%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Super Conforming 30 Year Fixed
5.88%
5.88%
▼
Rate5.88%
APR5.88%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
30-year Fixed Rate
5.75%
5.94%
▼
Rate5.75%
APR5.94%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1055 W Mercury Blvd, Carrollton, VA, 23060 5814
30 Year Fixed Rate
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1055 W Mercury Blvd, Carrollton, VA, 23060 5814
30 Year Fixed-Rate Mortgage
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1055 W Mercury Blvd, Carrollton, VA, 23060 5814
30 Year Fixed-Rate Mortgage Refinance
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
30 Year Fixed Rate Mortgage
360
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.411
UpdatedMar 15, 2026
Details
No additional details available.
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
30-year fixed
5.88%
6.00%
▼
Rate5.88%
APR6.00%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Geico Blvd, Fredericksburg, VA, 22412
30-Year Fixed Mortgage
6.00%
6.00%
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
30-year Fixed Rate
5.88%
6.01%
▼
Rate5.88%
APR6.01%
Points0.500
UpdatedMar 15, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
30 Year Fixed Rate
360
5.88%
6.02%
▼
Rate5.88%
APR6.02%
Points1.067
UpdatedMar 15, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
30-year Fixed Rate
6.00%
6.09%
▼
Rate6.00%
APR6.09%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Geico Blvd, Fredericksburg, VA, 22412
30 Year Fixed
30
6.00%
6.16%
▼
Rate6.00%
APR6.16%
Points0.625
UpdatedMar 18, 2026
Details
As Low As
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1018 W Main St, Charlottesville, VA, 20186
Conforming 30 year fixed
30-year
6.38%
6.18%
▼
Rate6.38%
APR6.18%
Points0.000
UpdatedMar 15, 2026
Details
0.25% reduction
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
107 Leroy Bowen Dr, Bedford, VA, 24012 7209
30 Year Fixed Purchase
6.00%
6.18%
▼
Rate6.00%
APR6.18%
Points0.750
UpdatedMar 20, 2026
Details
No additional details available.
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
107 Leroy Bowen Dr, Bedford, VA, 24012 7209
30 Year Fixed Refinance
6.00%
6.18%
▼
Rate6.00%
APR6.18%
Points0.750
UpdatedMar 20, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
10 Franklin Rd Se, Abingdon, VA, 20109
30-Year Fixed
360
6.10%
6.26%
▼
Rate6.10%
APR6.26%
Points0.566
UpdatedMar 15, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
30 Year Fixed Rate
360
6.12%
6.26%
▼
Rate6.12%
APR6.26%
Points0.842
UpdatedMar 15, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
30 Year Fixed Rate Mortgage
360
6.25%
6.29%
▼
Rate6.25%
APR6.29%
Points-0.204
UpdatedMar 15, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
30 Year Fixed Rate
360
6.12%
6.31%
▼
Rate6.12%
APR6.31%
Points1.342
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
10 Franklin Rd Se, Abingdon, VA, 20109
30-Year Fixed
360
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.927
UpdatedMar 15, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
30 Year Fixed Rate
360
6.25%
6.33%
▼
Rate6.25%
APR6.33%
Points0.416
UpdatedMar 15, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
30 Year Fixed Rate
360
6.25%
6.35%
▼
Rate6.25%
APR6.35%
Points0.428
UpdatedMar 15, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
11670a Plaza America Dr, Alexandria, VA, 20190
30-Year Fixed Rate
6.25%
6.35%
▼
Rate6.25%
APR6.35%
Points0.500
UpdatedMar 18, 2026
Details
No additional details available.
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
127 Comfort Drive, Abingdon, VA, 24202
30 Year Fixed
6.12%
6.39%
▼
Rate6.12%
APR6.39%
Points1.000
UpdatedMar 13, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10 S Jefferson St, Abingdon, VA, 20109
30-Year Fixed Rate
6.25%
6.40%
▼
Rate6.25%
APR6.40%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1600 Wilson Blvd, Arlington, VA, 22102
30 Year Fixed Rate
6.38%
6.44%
▼
Rate6.38%
APR6.44%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
170 Bluestone Dr, Alexandria, VA, 22302
USDA-RD 30 Year Fixed
5.75%
6.44%
▼
Rate5.75%
APR6.44%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
11670a Plaza America Dr, Alexandria, VA, 20190
30-Year Fixed Rate
6.38%
6.46%
▼
Rate6.38%
APR6.46%
Points0.375
UpdatedMar 18, 2026
Details
Rates shown include 0.125% autopay and paperless discount.
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
5948 Richmond Hwy, Alexandria, VA, 22303 1871
30 Year fixed
6.38%
6.47%
▼
Rate6.38%
APR6.47%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
13200 Bermuda Orchard Lane, Chester, VA, 23801
30 Year Fixed
6.38%
6.47%
▼
Rate6.38%
APR6.47%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
30 Year Fixed Rate
360
6.38%
6.48%
▼
Rate6.38%
APR6.48%
Points0.504
UpdatedMar 15, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1600 Wilson Blvd, Arlington, VA, 22102
30 Year Fixed Rate
6.38%
6.52%
▼
Rate6.38%
APR6.52%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
MITRE Building 2, McLean, VA, 22102
30-Year Fixed
6.38%
6.56%
▼
Rate6.38%
APR6.56%
Points0.000
UpdatedMar 20, 2026
Details
As Low As; Primary Residence
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
107 Leroy Bowen Dr, Bedford, VA, 24012 7209
30 Year Fixed Refinance (Cash Out)
6.38%
6.56%
▼
Rate6.38%
APR6.56%
Points0.750
UpdatedMar 20, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1600 Wilson Blvd, Arlington, VA, 22102
30 Year Fixed Rate
30 Year
6.54%
6.59%
▼
Rate6.54%
APR6.59%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Dominion Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1100 Boulders Pkwy Ste 601, Glen Allen, VA, 23060 3308
30 Year Fixed Rate
6.50%
6.61%
▼
Rate6.50%
APR6.61%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1210 Greenview Dr, Daleville, VA, 24012 2226
30 Year Fixed
6.50%
6.65%
▼
Rate6.50%
APR6.65%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
13200 Bermuda Orchard Lane, Chester, VA, 23801
30 Year Fixed Rate
6.62%
6.72%
▼
Rate6.62%
APR6.72%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1018 W Main St, Charlottesville, VA, 20186
Hometown Heroes Mortgage 30-year fixed-rate
30-year
6.55%
6.83%
▼
Rate6.55%
APR6.83%
Points0.000
UpdatedMar 15, 2026
Details
Hometown Heroes scenario, $400,000 purchase price, $400,000 loan amount, FICO 780. Rates effective 3/11/2025. Financing valid for single-unit primary residence homes that meet specific criteria. Available exclusively for properties located in the Commonwealth of Virginia.
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
135 Stewart Dr, Franklin, VA, 23434
30-Year Fixed
6.62%
6.85%
▼
Rate6.62%
APR6.85%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
127 Comfort Drive, Abingdon, VA, 24202
30 Year Fixed First Time Home Buyers
7.38%
7.55%
▼
Rate7.38%
APR7.55%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Conforming 15 Year Fixed
5.12%
5.16%
▼
Rate5.12%
APR5.16%
Points0.250
UpdatedMar 11, 2026
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Conforming 15 Year Fixed
5.25%
5.25%
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Super Conforming 15 Year Fixed
5.25%
5.31%
▼
Rate5.25%
APR5.31%
Points0.375
UpdatedMar 11, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
15-year Fixed Rate
4.88%
5.34%
▼
Rate4.88%
APR5.34%
Points2.000
UpdatedMar 15, 2026
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Super Conforming 15 Year Fixed
5.38%
5.38%
▼
Rate5.38%
APR5.38%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Geico Blvd, Fredericksburg, VA, 22412
15-Year Fixed Mortgage
5.38%
5.38%
▼
Rate5.38%
APR5.38%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
15-year Fixed Rate
5.00%
5.39%
▼
Rate5.00%
APR5.39%
Points1.500
UpdatedMar 15, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
15-year Fixed Rate
5.12%
5.43%
▼
Rate5.12%
APR5.43%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
15-year Fixed Rate
5.25%
5.48%
▼
Rate5.25%
APR5.48%
Points0.500
UpdatedMar 15, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1055 W Mercury Blvd, Carrollton, VA, 23060 5814
15 Year Fixed Mortgage Refinance
15 Year
5.38%
5.50%
▼
Rate5.38%
APR5.50%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1055 W Mercury Blvd, Carrollton, VA, 23060 5814
15 Year Fixed-Rate Mortgage
5.38%
5.51%
▼
Rate5.38%
APR5.51%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1055 W Mercury Blvd, Carrollton, VA, 23060 5814
15 Year Fixed-Rate Mortgage Refinance
5.38%
5.51%
▼
Rate5.38%
APR5.51%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
15-year Fixed Rate
5.38%
5.53%
▼
Rate5.38%
APR5.53%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1018 W Main St, Charlottesville, VA, 20186
Conforming 15 year fixed
15-year
5.78%
5.62%
▼
Rate5.78%
APR5.62%
Points0.000
UpdatedMar 15, 2026
Details
0.25% reduction
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Geico Blvd, Fredericksburg, VA, 22412
15 Year Fixed
15
5.38%
5.65%
▼
Rate5.38%
APR5.65%
Points0.750
UpdatedMar 18, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
170 Bluestone Dr, Alexandria, VA, 22302
Made to Match - 15 Year Fixed
5.50%
5.66%
▼
Rate5.50%
APR5.66%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
10 Franklin Rd Se, Abingdon, VA, 20109
15-Year Fixed
180
5.38%
5.68%
▼
Rate5.38%
APR5.68%
Points0.902
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
10 Franklin Rd Se, Abingdon, VA, 20109
15-Year Fixed
180
5.38%
5.70%
▼
Rate5.38%
APR5.70%
Points0.982
UpdatedMar 15, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
15 Year Fixed Rate
180
5.50%
5.70%
▼
Rate5.50%
APR5.70%
Points0.639
UpdatedMar 15, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1600 Wilson Blvd, Arlington, VA, 22102
15 Year Fixed Rate
5.62%
5.72%
▼
Rate5.62%
APR5.72%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10 S Jefferson St, Abingdon, VA, 20109
15-Year Fixed Rate
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
11670a Plaza America Dr, Alexandria, VA, 20190
15-Year Fixed Rate
5.62%
5.76%
▼
Rate5.62%
APR5.76%
Points0.375
UpdatedMar 18, 2026
Details
Rates shown include 0.125% autopay and paperless discount.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
11670a Plaza America Dr, Alexandria, VA, 20190
15-Year Fixed Rate
5.62%
5.77%
▼
Rate5.62%
APR5.77%
Points0.375
UpdatedMar 18, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
15 Year Fixed Rate
180
5.50%
5.78%
▼
Rate5.50%
APR5.78%
Points1.139
UpdatedMar 15, 2026
Details
No additional details available.
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
107 Leroy Bowen Dr, Bedford, VA, 24012 7209
15 Year Fixed Refinance
5.50%
5.80%
▼
Rate5.50%
APR5.80%
Points0.750
UpdatedMar 20, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1600 Wilson Blvd, Arlington, VA, 22102
15 Year Fixed Rate
5.75%
5.88%
▼
Rate5.75%
APR5.88%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
5948 Richmond Hwy, Alexandria, VA, 22303 1871
15 Year Fixed
5.75%
5.91%
▼
Rate5.75%
APR5.91%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
127 Comfort Drive, Abingdon, VA, 24202
15 Year Fixed
5.50%
5.93%
▼
Rate5.50%
APR5.93%
Points1.000
UpdatedMar 13, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
15 Year Fixed Rate
180
5.88%
5.93%
▼
Rate5.88%
APR5.93%
Points-0.302
UpdatedMar 15, 2026
Details
No additional details available.
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
107 Leroy Bowen Dr, Bedford, VA, 24012 7209
15 Year Fixed Purchase
5.75%
6.05%
▼
Rate5.75%
APR6.05%
Points0.750
UpdatedMar 20, 2026
Details
No additional details available.
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
MITRE Building 2, McLean, VA, 22102
15-Year Fixed
5.75%
6.05%
▼
Rate5.75%
APR6.05%
Points0.000
UpdatedMar 20, 2026
Details
As Low As; Primary Residence
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
15 Year Fixed Rate
180
6.00%
6.09%
▼
Rate6.00%
APR6.09%
Points-0.102
UpdatedMar 15, 2026
Details
No additional details available.
Dominion Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1100 Boulders Pkwy Ste 601, Glen Allen, VA, 23060 3308
15 Year Fixed Rate
6.00%
6.22%
▼
Rate6.00%
APR6.22%
Points0.250
UpdatedMar 13, 2026
Details
No additional details available.
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
107 Leroy Bowen Dr, Bedford, VA, 24012 7209
15 Year Fixed Refinance (Cash Out)
6.00%
6.31%
▼
Rate6.00%
APR6.31%
Points0.750
UpdatedMar 20, 2026
Details
No additional details available.
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
135 Stewart Dr, Franklin, VA, 23434
15-Year Fixed
6.00%
6.36%
▼
Rate6.00%
APR6.36%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
12011 Sunset Hills Rd Ste 110, Reston, VA, 20190 5919
15-Year Fixed Rate
15-Year
8.17%
7.99%
▼
Rate8.17%
APR7.99%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1460 N Beauregard St, Alexandria, VA, 22311 5800
3/1 ARM
30
5.00%
5.04%
▼
Rate5.00%
APR5.04%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
5/6 Month SOFR ARM
4.88%
5.10%
▼
Rate4.88%
APR5.10%
Points1.500
UpdatedMar 15, 2026
Details
No additional details available.
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
5/1 ARM
5.00%
5.12%
▼
Rate5.00%
APR5.12%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
5/6 Month SOFR ARM
5.00%
5.18%
▼
Rate5.00%
APR5.18%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
7/6 Month SOFR ARM
5.00%
5.22%
▼
Rate5.00%
APR5.22%
Points1.500
UpdatedMar 15, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
5/6 Month SOFR ARM
5.12%
5.26%
▼
Rate5.12%
APR5.26%
Points0.500
UpdatedMar 15, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
7/6 Month SOFR ARM
5.12%
5.30%
▼
Rate5.12%
APR5.30%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
5/6 Month SOFR ARM
5.25%
5.34%
▼
Rate5.25%
APR5.34%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1 Fort Eustis, Fort Eustis, VA, 23061
First-Time Homebuyer Mortgage 5/5 ARM
5/5
5.50%
5.37%
▼
Rate5.50%
APR5.37%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1 BayPort Way Ste 105, Chesapeake, VA, 23061
Adjustable Rate Mortgages
30 years (5-year ARM)
5.25%
5.37%
▼
Rate5.25%
APR5.37%
Points0.000
UpdatedMar 18, 2026
Details
Origination Fee: $995; Type: Conventional Loans; Margin: 2.75%
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
7/1 ARM
5.25%
5.37%
▼
Rate5.25%
APR5.37%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
7/6 Month SOFR ARM
5.25%
5.38%
▼
Rate5.25%
APR5.38%
Points0.500
UpdatedMar 15, 2026
Details
No additional details available.
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1 BayPort Way Ste 105, Chesapeake, VA, 23061
Adjustable Rate Mortgages
30 years (5-year ARM)
5.25%
5.39%
▼
Rate5.25%
APR5.39%
Points0.000
UpdatedMar 18, 2026
Details
Origination Fee: $995; Type: New Construction / Permanent Loans; Margin: 2.75%
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
7/6 Month SOFR ARM
5.38%
5.47%
▼
Rate5.38%
APR5.47%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
13200 Bermuda Orchard Lane, Chester, VA, 23801
3/1 ARM
4.75%
5.52%
▼
Rate4.75%
APR5.52%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Conforming 5/5 ARM
5.38%
5.56%
▼
Rate5.38%
APR5.56%
Points0.375
UpdatedMar 11, 2026
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Conforming 5/5 ARM
5.50%
5.58%
▼
Rate5.50%
APR5.58%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Jumbo 5/5 ARM
5.50%
5.60%
▼
Rate5.50%
APR5.60%
Points0.250
UpdatedMar 11, 2026
Details
No additional details available.
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1 BayPort Way Ste 105, Chesapeake, VA, 23061
Adjustable Rate Mortgages
30 years (10-year ARM)
5.50%
5.62%
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedMar 18, 2026
Details
Origination Fee: $995; Type: Conventional Loans; Margin: 2.75%
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Jumbo 5/5 ARM
5.62%
5.62%
▼
Rate5.62%
APR5.62%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
13200 Bermuda Orchard Lane, Chester, VA, 23801
5/1 ARM
5.00%
5.65%
▼
Rate5.00%
APR5.65%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Conforming 15/15 ARM
5.50%
5.72%
▼
Rate5.50%
APR5.72%
Points0.250
UpdatedMar 11, 2026
Details
No additional details available.
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
5948 Richmond Hwy, Alexandria, VA, 22303 1871
5/5 Adjustable Rate
5.75%
5.79%
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
13200 Bermuda Orchard Lane, Chester, VA, 23801
7/1 ARM
5.25%
5.80%
▼
Rate5.25%
APR5.80%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Conforming 15/15 ARM
5.62%
5.80%
▼
Rate5.62%
APR5.80%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Conforming 7/6 ARM
5.25%
5.95%
▼
Rate5.25%
APR5.95%
Points0.250
UpdatedMar 11, 2026
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Conforming 7/6 ARM
5.38%
5.99%
▼
Rate5.38%
APR5.99%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1018 W Main St, Charlottesville, VA, 20186
Conforming 5/1 ARM
5/1
6.09%
6.02%
▼
Rate6.09%
APR6.02%
Points0.000
UpdatedMar 15, 2026
Details
0.25% reduction
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
127 Comfort Drive, Abingdon, VA, 24202
5/1 ARM
5.12%
6.03%
▼
Rate5.12%
APR6.03%
Points1.000
UpdatedMar 13, 2026
Details
No additional details available.
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
127 Comfort Drive, Abingdon, VA, 24202
7/1 ARM
5.38%
6.03%
▼
Rate5.38%
APR6.03%
Points1.000
UpdatedMar 13, 2026
Details
No additional details available.
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1018 W Main St, Charlottesville, VA, 20186
Conforming 7/1 ARM
7/1
6.24%
6.06%
▼
Rate6.24%
APR6.06%
Points0.000
UpdatedMar 15, 2026
Details
0.25% reduction
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1055 W Mercury Blvd, Carrollton, VA, 23060 5814
5/1 Adjustable Rate Mortgage
5.50%
6.07%
▼
Rate5.50%
APR6.07%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1055 W Mercury Blvd, Carrollton, VA, 23060 5814
5/5 Adjustable Rate
5.50%
6.07%
▼
Rate5.50%
APR6.07%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
107 Leroy Bowen Dr, Bedford, VA, 24012 7209
5/1 ARM - 30 Year Fixed Purchase
4.99%
6.10%
▼
Rate4.99%
APR6.10%
Points1.000
UpdatedMar 20, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1055 W Mercury Blvd, Carrollton, VA, 23060 5814
3/1 Adjustable Rate Mortgage
5.25%
6.10%
▼
Rate5.25%
APR6.10%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1055 W Mercury Blvd, Carrollton, VA, 23060 5814
First Time Home Buyer 5/1 Adjustable Rate Mortgage
5.88%
6.12%
▼
Rate5.88%
APR6.12%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
12900 Federal Systems Park Dr, Dulles, VA, 20166
5/1 ARM
5.62%
6.14%
▼
Rate5.62%
APR6.14%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
12900 Federal Systems Park Dr, Dulles, VA, 20166
Jumbo 5/1 ARM
5.75%
6.15%
▼
Rate5.75%
APR6.15%
Points0.000
UpdatedMar 15, 2026
Details
Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
12900 Federal Systems Park Dr, Dulles, VA, 20166
3/1 ARM
5.50%
6.17%
▼
Rate5.50%
APR6.17%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Geico Blvd, Fredericksburg, VA, 22412
5/1 Year ARM
5.12%
6.17%
▼
Rate5.12%
APR6.17%
Points1.000
UpdatedMar 18, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
12900 Federal Systems Park Dr, Dulles, VA, 20166
Jumbo 3/1 ARM
5.63%
6.21%
▼
Rate5.63%
APR6.21%
Points0.000
UpdatedMar 15, 2026
Details
Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
107 Leroy Bowen Dr, Bedford, VA, 24012 7209
7/1 ARM - 30 Year Fixed Purchase
5.62%
6.22%
▼
Rate5.62%
APR6.22%
Points0.750
UpdatedMar 20, 2026
Details
No additional details available.
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
107 Leroy Bowen Dr, Bedford, VA, 24012 7209
7/1 ARM - 30 Year Fixed Refinance
5.62%
6.22%
▼
Rate5.62%
APR6.22%
Points0.750
UpdatedMar 20, 2026
Details
No additional details available.
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
107 Leroy Bowen Dr, Bedford, VA, 24012 7209
7/1 ARM - 30 Year Fixed Refinance (Cash Out)
5.62%
6.22%
▼
Rate5.62%
APR6.22%
Points0.750
UpdatedMar 20, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1055 W Mercury Blvd, Carrollton, VA, 23060 5814
5/5 Jumbo Adjustable Rate Mortgage
6.38%
6.23%
▼
Rate6.38%
APR6.23%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
7-Year ARM
360
5.50%
6.26%
▼
Rate5.50%
APR6.26%
Points1.625
UpdatedMar 15, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10 S Jefferson St, Abingdon, VA, 20109
7/6-Month ARM
5.88%
6.27%
▼
Rate5.88%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
12900 Federal Systems Park Dr, Dulles, VA, 20166
7/1 ARM
6.12%
6.27%
▼
Rate6.12%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
12900 Federal Systems Park Dr, Dulles, VA, 20166
Jumbo 7/1 ARM
6.13%
6.27%
▼
Rate6.13%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
170 Bluestone Dr, Alexandria, VA, 22302
7/6 ARM
5.75%
6.27%
▼
Rate5.75%
APR6.27%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Jumbo 15 Year Fixed
5.50%
5.52%
▼
Rate5.50%
APR5.52%
Points0.125
UpdatedMar 11, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
15-year Fixed Rate Jumbo
5.12%
5.59%
▼
Rate5.12%
APR5.59%
Points2.000
UpdatedMar 15, 2026
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Jumbo 15 Year Fixed
5.62%
5.62%
▼
Rate5.62%
APR5.62%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
15-year Fixed Rate Jumbo
5.25%
5.64%
▼
Rate5.25%
APR5.64%
Points1.500
UpdatedMar 15, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
15-year Fixed Rate Jumbo
5.38%
5.69%
▼
Rate5.38%
APR5.69%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
15-year Fixed Rate Jumbo
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points0.500
UpdatedMar 15, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
15-year Fixed Rate Jumbo
5.62%
5.78%
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
15yr Jumbo Fixed Rate Conventional
180
5.62%
5.86%
▼
Rate5.62%
APR5.86%
Points1.125
UpdatedMar 15, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
15yr Jumbo Fixed Rate Conventional
180
5.62%
6.00%
▼
Rate5.62%
APR6.00%
Points2.000
UpdatedMar 15, 2026
Details
No additional details available.
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
108 MCNAIR RD Bldg 450, ALEXANDRIA, VA, 22060
Jumbo Loan
5.88%
6.02%
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Jumbo 30 Year Fixed
6.00%
6.02%
▼
Rate6.00%
APR6.02%
Points0.250
UpdatedMar 11, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
30-year Fixed Rate Jumbo
5.75%
6.03%
▼
Rate5.75%
APR6.03%
Points2.000
UpdatedMar 15, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
15yr Jumbo Fixed Rate Conventional
180
6.00%
6.06%
▼
Rate6.00%
APR6.06%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
Jumbo 15-Year
15
5.88%
6.07%
▼
Rate5.88%
APR6.07%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
30-year Fixed Rate Jumbo
5.88%
6.11%
▼
Rate5.88%
APR6.11%
Points1.500
UpdatedMar 15, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
30yr Jumbo Fixed Rate Mortgage
360
6.00%
6.12%
▼
Rate6.00%
APR6.12%
Points0.875
UpdatedMar 15, 2026
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, VA, 22201
Jumbo 30 Year Fixed
6.12%
6.12%
▼
Rate6.12%
APR6.12%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
30-year Fixed Rate Jumbo
6.00%
6.19%
▼
Rate6.00%
APR6.19%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
15yr Jumbo Fixed Rate Conventional
180
6.00%
6.20%
▼
Rate6.00%
APR6.20%
Points0.875
UpdatedMar 15, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
30yr Jumbo Fixed Rate Mortgage
360
6.00%
6.20%
▼
Rate6.00%
APR6.20%
Points1.750
UpdatedMar 15, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Geico Blvd, Fredericksburg, VA, 22412
Jumbo 30 Year Fixed
30
6.12%
6.26%
▼
Rate6.12%
APR6.26%
Points1.000
UpdatedMar 18, 2026
Details
As Low As
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
30yr Jumbo Fixed Rate Mortgage
360
6.25%
6.26%
▼
Rate6.25%
APR6.26%
Points-0.250
UpdatedMar 15, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
30-year Fixed Rate Jumbo
6.12%
6.27%
▼
Rate6.12%
APR6.27%
Points0.500
UpdatedMar 15, 2026
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA, 22305
30-year Fixed Rate Jumbo
6.25%
6.34%
▼
Rate6.25%
APR6.34%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
30yr Jumbo Fixed Rate Mortgage
360
6.25%
6.35%
▼
Rate6.25%
APR6.35%
Points0.625
UpdatedMar 15, 2026
Details
No additional details available.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
Jumbo 30-Year
30
6.38%
6.49%
▼
Rate6.38%
APR6.49%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
10 Franklin Rd Se, Abingdon, VA, 20109
30-Year Jumbo
360
6.97%
7.11%
▼
Rate6.97%
APR7.11%
Points0.815
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1 BayPort Way Ste 105, Chesapeake, VA, 23061
30 years FHA Loan
30 years
5.62%
5.83%
▼
Rate5.62%
APR5.83%
Points0.625
UpdatedMar 18, 2026
Details
No additional details available.
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
100 Lynnhaven Pkwy, Chesapeake, VA, 23320
FHA
30 Years
5.38%
5.93%
▼
Rate5.38%
APR5.93%
Points0.500
UpdatedMar 18, 2026
Details
No additional details available.
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
100 Lynnhaven Pkwy, Chesapeake, VA, 23320
FHA
15 Years
5.50%
5.93%
▼
Rate5.50%
APR5.93%
Points0.125
UpdatedMar 18, 2026
Details
No additional details available.
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
108 MCNAIR RD Bldg 450, ALEXANDRIA, VA, 22060
FHA Loan
5.38%
6.26%
▼
Rate5.38%
APR6.26%
Points0.000
UpdatedMar 15, 2026
Details
As Low As; Rates as low as 5.375% (6.265% APR)
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1055 W Mercury Blvd, Carrollton, VA, 23060 5814
30 Year FHA Fixed-Rate Mortgage
6.12%
6.33%
▼
Rate6.12%
APR6.33%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1055 W Mercury Blvd, Carrollton, VA, 23060 5814
FHA 30
6.12%
6.33%
▼
Rate6.12%
APR6.33%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
5948 Richmond Hwy, Alexandria, VA, 22303 1871
FHA 30 Year Fixed
5.75%
6.35%
▼
Rate5.75%
APR6.35%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
170 Bluestone Dr, Alexandria, VA, 22302
FHA 30 Year Fixed
5.75%
6.35%
▼
Rate5.75%
APR6.35%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
30 Year FHA Fixed Rate
360
6.50%
6.56%
▼
Rate6.50%
APR6.56%
Points-0.125
UpdatedMar 15, 2026
Details
No additional details available.
Dominion Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1100 Boulders Pkwy Ste 601, Glen Allen, VA, 23060 3308
FHA 30 Year
6.25%
6.58%
▼
Rate6.25%
APR6.58%
Points0.375
UpdatedMar 13, 2026
Details
No additional details available.
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
13200 Bermuda Orchard Lane, Chester, VA, 23801
FHA 30 Year FIxed
6.00%
6.60%
▼
Rate6.00%
APR6.60%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
13200 Bermuda Orchard Lane, Chester, VA, 23801
FHA 30 Year Fixed Rate
6.00%
6.60%
▼
Rate6.00%
APR6.60%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
30 Year FHA Fixed Rate
360
6.62%
6.63%
▼
Rate6.62%
APR6.63%
Points-0.625
UpdatedMar 15, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
FHA Plus 30 Year Fixed Rate Second Mortgage
360
6.75%
6.81%
▼
Rate6.75%
APR6.81%
Points-0.125
UpdatedMar 15, 2026
Details
No additional details available.
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1210 Greenview Dr, Daleville, VA, 24012 2226
FHA 30 Year Fixed
6.25%
6.86%
▼
Rate6.25%
APR6.86%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
10 Franklin Rd Se, Abingdon, VA, 20109
30-Year FHA
360
5.70%
6.91%
▼
Rate5.70%
APR6.91%
Points0.767
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
108 MCNAIR RD Bldg 450, ALEXANDRIA, VA, 22060
VA Loan
5.38%
5.67%
▼
Rate5.38%
APR5.67%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10 S Jefferson St, Abingdon, VA, 20109
30-Year Fixed-Rate VA
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
5948 Richmond Hwy, Alexandria, VA, 22303 1871
VA 30 Year Fixed
5.75%
5.98%
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
170 Bluestone Dr, Alexandria, VA, 22302
VA 30 Year Fixed
5.75%
5.98%
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1 BayPort Way Ste 105, Chesapeake, VA, 23061
30 years VA Loan
30 years
5.99%
6.14%
▼
Rate5.99%
APR6.14%
Points0.125
UpdatedMar 18, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1055 W Mercury Blvd, Carrollton, VA, 23060 5814
30 Year VA Fixed-Rate Mortgage
6.00%
6.21%
▼
Rate6.00%
APR6.21%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1055 W Mercury Blvd, Carrollton, VA, 23060 5814
VA 30
6.00%
6.21%
▼
Rate6.00%
APR6.21%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
13200 Bermuda Orchard Lane, Chester, VA, 23801
VA 30 Year Fixed
6.00%
6.24%
▼
Rate6.00%
APR6.24%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
13200 Bermuda Orchard Lane, Chester, VA, 23801
VA 30 Year Fixed Rate
6.00%
6.24%
▼
Rate6.00%
APR6.24%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Dominion Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1100 Boulders Pkwy Ste 601, Glen Allen, VA, 23060 3308
VA 30 Year
6.25%
6.41%
▼
Rate6.25%
APR6.41%
Points0.500
UpdatedMar 13, 2026
Details
No additional details available.
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
MITRE Building 2, McLean, VA, 22102
VA Loans
6.12%
6.43%
▼
Rate6.12%
APR6.43%
Points0.000
UpdatedMar 20, 2026
Details
30-Year Rates As Low As; Primary Residence
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1210 Greenview Dr, Daleville, VA, 24012 2226
VA 30 Year Fixed
6.25%
6.49%
▼
Rate6.25%
APR6.49%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
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The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
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Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Virginia directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Virginia. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in VA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Virginia
How does my credit score affect my rate in Virginia?
Your credit score is a major factor. Generally, borrowers in Virginia with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Virginia because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in Virginia?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Virginia, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in Virginia, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in Virginia?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Virginia, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in Virginia?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Virginia offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in Virginia?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in Virginia?
- State Department Federal Credit Union: 5.75% (Super Conforming 30 Year Fixed)
- Signature Federal Credit Union: 5.50% (30-year Fixed Rate)
- Commonwealth One Federal Credit Union: 5.75% (Made to Match - 30 Year Fixed)
- Langley Federal Credit Union: 5.88% (30 Year Fixed Rate)
- Virginia Credit Union: 5.88% (30 Year Fixed Rate Mortgage)
Mortgage Rates reflect actual verified offers from lenders actively lending to Virginia borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Mortgage Rates by City in Virginia
