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Mortgage Rates Montpelier, Virginia (VA) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Montpelier, Virginia. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Mortgage Rates Last Updated and Verified: April 4, 2026

Current 30-year fixed mortgage rates in Montpelier, Virginia include Langley Federal Credit UnionLangley Federal Credit UnionA5.0 ★Texas Ratio: 11.01% at 5.25%, State Department Federal Credit UnionState Department Federal Credit UnionA+5.0 ★Texas Ratio: 4.53% at 5.88%, Commonwealth One Federal Credit UnionCommonwealth One Federal Credit UnionA-5.0 ★Texas Ratio: 14.20% at 5.88%, Signal Financial Federal Credit UnionSignal Financial Federal Credit UnionA+5.0 ★Texas Ratio: 3.69% at 5.88%, and Signature Federal Credit UnionSignature Federal Credit UnionA5.0 ★Texas Ratio: 7.33% at 5.75%. Mortgage rates as of April 4, 2026 according to verified data from MonitorBankRates.

Montpelier borrowers have access to 31 lenders serving the Virginia area, with mortgage rates as low as 5.25% from Langley Federal Credit Union. Use the tabs below to compare available loan types. Rates are continually updated — we recommend checking back frequently.

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: April 4, 2026

Compare Mortgage Rates Today in Montpelier, Virginia & the Surrounding Area

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
30 Year Fixed Refinance
5.25%
5.43%
View
▼
Rate5.25%
APR5.43%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Super Conforming 30 Year Fixed
5.88%
5.92%
View
▼
Rate5.88%
APR5.92%
Points0.500
UpdatedApr 4, 2026
Details

No additional details available.

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
30 Year Fixed Rate
5.88%
5.97%
View
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
30 Year Fixed-Rate Mortgage
5.88%
5.97%
View
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
30 Year Fixed-Rate Mortgage Refinance
5.88%
5.97%
View
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
Made to Match - 30 Year Fixed
5.88%
5.97%
View
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
30-year fixed
5.88%
6.00%
View
▼
Rate5.88%
APR6.00%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Super Conforming 30 Year Fixed
6.00%
6.00%
View
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Conforming 30 Year Fixed
6.00%
6.01%
View
▼
Rate6.00%
APR6.01%
Points0.125
UpdatedApr 4, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
30-year Fixed Rate
5.75%
6.03%
View
▼
Rate5.75%
APR6.03%
Points2.000
UpdatedMar 28, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
30-year Fixed Rate
5.88%
6.11%
View
▼
Rate5.88%
APR6.11%
Points1.500
UpdatedMar 28, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Conforming 30 Year Fixed
6.12%
6.12%
View
▼
Rate6.12%
APR6.12%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Mortgages for Professionals 30-Year Fixed
6.12%
6.12%
View
▼
Rate6.12%
APR6.12%
Points0.000
UpdatedApr 4, 2026
Details

As Low As

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Conforming 30 year fixed
30
6.38%
6.18%
View
▼
Rate6.38%
APR6.18%
Points0.000
UpdatedMar 29, 2026
Details

0.25% reduction

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
30 Year Fixed Purchase
6.00%
6.18%
View
▼
Rate6.00%
APR6.18%
Points0.750
UpdatedMar 28, 2026
Details

No additional details available.

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
30 Year Fixed Refinance
6.00%
6.18%
View
▼
Rate6.00%
APR6.18%
Points0.750
UpdatedMar 28, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
30-year Fixed Rate
6.00%
6.19%
View
▼
Rate6.00%
APR6.19%
Points1.000
UpdatedMar 28, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
30 Year Fixed Rate Mortgage
360
6.12%
6.26%
View
▼
Rate6.12%
APR6.26%
Points0.767
UpdatedMar 29, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
30-year Fixed Rate
6.12%
6.27%
View
▼
Rate6.12%
APR6.27%
Points0.500
UpdatedMar 28, 2026
Details

No additional details available.

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
30 Year Fixed Rate
30 Year
6.25%
6.32%
View
▼
Rate6.25%
APR6.32%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
30-year Fixed Rate
6.25%
6.34%
View
▼
Rate6.25%
APR6.34%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
30-Year Fixed Mortgage
6.38%
6.38%
View
▼
Rate6.38%
APR6.38%
Points0.000
UpdatedMar 25, 2026
Details

As Low As; POINTS MAY APPLY

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
30 Year Fixed Rate
360
6.25%
6.40%
View
▼
Rate6.25%
APR6.40%
Points1.110
UpdatedMar 29, 2026
Details

No additional details available.

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
30-Year Fixed
30
6.38%
6.47%
View
▼
Rate6.38%
APR6.47%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
30 Year Fixed
6.25%
6.51%
View
▼
Rate6.25%
APR6.51%
Points1.000
UpdatedMar 25, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
30 Year Fixed
30
6.38%
6.55%
View
▼
Rate6.38%
APR6.55%
Points0.750
UpdatedMar 25, 2026
Details

As Low As

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
30 Year Fixed Rate Mortgage
360
6.50%
6.55%
View
▼
Rate6.50%
APR6.55%
Points-0.166
UpdatedMar 29, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
30 Year Fixed Rate
360
6.38%
6.55%
View
▼
Rate6.38%
APR6.55%
Points1.243
UpdatedMar 29, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
30 Year Fixed Rate
360
6.50%
6.56%
View
▼
Rate6.50%
APR6.56%
Points0.134
UpdatedMar 29, 2026
Details

No additional details available.

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
30 Year Fixed Refinance (Cash Out)
6.38%
6.56%
View
▼
Rate6.38%
APR6.56%
Points0.750
UpdatedMar 28, 2026
Details

No additional details available.

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
30-Year Fixed
6.38%
6.56%
View
▼
Rate6.38%
APR6.56%
Points0.000
UpdatedApr 4, 2026
Details

As Low As; Primary Residence

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
30-Year Fixed Rate
6.50%
6.58%
View
▼
Rate6.50%
APR6.58%
Points0.250
UpdatedMar 25, 2026
Details

No additional details available.

Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
30 Year Fixed
6.50%
6.60%
View
▼
Rate6.50%
APR6.60%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
30 Year Fixed Rate
360
6.38%
6.60%
View
▼
Rate6.38%
APR6.60%
Points1.743
UpdatedMar 29, 2026
Details

No additional details available.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
30-Year Fixed Rate
6.50%
6.61%
View
▼
Rate6.50%
APR6.61%
Points0.625
UpdatedMar 25, 2026
Details

Rates shown include 0.125% autopay and paperless discount.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year Fixed
360
6.49%
6.67%
View
▼
Rate6.49%
APR6.67%
Points0.696
UpdatedMar 29, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
30 Year Fixed Rate
360
6.62%
6.71%
View
▼
Rate6.62%
APR6.71%
Points0.236
UpdatedMar 29, 2026
Details

No additional details available.

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
30 Year fixed
6.63%
6.72%
View
▼
Rate6.63%
APR6.72%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
30 Year Fixed Rate
6.62%
6.72%
View
▼
Rate6.62%
APR6.72%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
30 Year Fixed Rate
360
6.62%
6.76%
View
▼
Rate6.62%
APR6.76%
Points0.736
UpdatedMar 29, 2026
Details

No additional details available.

Dominion Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
30 Year Fixed Rate
6.62%
6.78%
View
▼
Rate6.62%
APR6.78%
Points0.375
UpdatedMar 25, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
30 Year Fixed Rate
30
6.77%
6.82%
View
▼
Rate6.77%
APR6.82%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
30 Year Fixed Rate
6.75%
6.82%
View
▼
Rate6.75%
APR6.82%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
USDA-RD 30 Year Fixed
6.12%
6.82%
View
▼
Rate6.12%
APR6.82%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Hometown Heroes Mortgage 30-year fixed-rate
30-year
6.55%
6.83%
View
▼
Rate6.55%
APR6.83%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year Fixed
360
6.70%
6.90%
View
▼
Rate6.70%
APR6.90%
Points0.865
UpdatedMar 29, 2026
Details

No additional details available.

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
30 Year Fixed
30
6.75%
6.90%
View
▼
Rate6.75%
APR6.90%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year Fixed
360
6.80%
6.91%
View
▼
Rate6.80%
APR6.91%
Points-0.049
UpdatedMar 29, 2026
Details

No additional details available.

Argent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
30 Year Fixed Rate
30
6.75%
6.97%
View
▼
Rate6.75%
APR6.97%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
30-Year Fixed
6.75%
6.97%
View
▼
Rate6.75%
APR6.97%
Points0.000
UpdatedMar 25, 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%
Conforming 15 Year Fixed
5.38%
5.43%
View
▼
Rate5.38%
APR5.43%
Points0.375
UpdatedApr 4, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Conforming 15 Year Fixed
5.50%
5.50%
View
▼
Rate5.50%
APR5.50%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
15 Year Fixed-Rate Mortgage
5.38%
5.51%
View
▼
Rate5.38%
APR5.51%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
15 Year Fixed-Rate Mortgage Refinance
5.38%
5.51%
View
▼
Rate5.38%
APR5.51%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Super Conforming 15 Year Fixed
5.50%
5.56%
View
▼
Rate5.50%
APR5.56%
Points0.375
UpdatedApr 4, 2026
Details

No additional details available.

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Conforming 15 year fixed
15
5.78%
5.62%
View
▼
Rate5.78%
APR5.62%
Points0.000
UpdatedMar 29, 2026
Details

0.25% reduction

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
15-Year Fixed Mortgage
5.62%
5.62%
View
▼
Rate5.62%
APR5.62%
Points0.000
UpdatedMar 25, 2026
Details

As Low As; POINTS MAY APPLY

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Super Conforming 15 Year Fixed
5.62%
5.62%
View
▼
Rate5.62%
APR5.62%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
15 Year Fixed Rate
15 Year
5.62%
5.67%
View
▼
Rate5.62%
APR5.67%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
Made to Match - 15 Year Fixed
5.62%
5.78%
View
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
15 Year Fixed Refinance
5.50%
5.80%
View
▼
Rate5.50%
APR5.80%
Points0.750
UpdatedMar 28, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
15 Year Fixed
15
5.62%
5.92%
View
▼
Rate5.62%
APR5.92%
Points0.750
UpdatedMar 25, 2026
Details

As Low As

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
15 Year Fixed Rate
180
5.75%
5.95%
View
▼
Rate5.75%
APR5.95%
Points0.596
UpdatedMar 29, 2026
Details

No additional details available.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
15-Year Fixed Rate
5.88%
5.99%
View
▼
Rate5.88%
APR5.99%
Points0.250
UpdatedMar 25, 2026
Details

Rates shown include 0.125% autopay and paperless discount.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
15-Year Fixed Rate
5.88%
6.00%
View
▼
Rate5.88%
APR6.00%
Points0.250
UpdatedMar 25, 2026
Details

No additional details available.

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
15-Year Fixed
15
5.88%
6.03%
View
▼
Rate5.88%
APR6.03%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
15 Year Fixed Rate
180
5.75%
6.03%
View
▼
Rate5.75%
APR6.03%
Points1.096
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
15-Year Fixed
180
5.75%
6.05%
View
▼
Rate5.75%
APR6.05%
Points0.829
UpdatedMar 29, 2026
Details

No additional details available.

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
15 Year Fixed Purchase
5.75%
6.05%
View
▼
Rate5.75%
APR6.05%
Points0.750
UpdatedMar 28, 2026
Details

No additional details available.

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
15-Year Fixed
5.75%
6.05%
View
▼
Rate5.75%
APR6.05%
Points0.000
UpdatedApr 4, 2026
Details

As Low As; Primary Residence

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
15 Year Fixed
5.62%
6.05%
View
▼
Rate5.62%
APR6.05%
Points1.000
UpdatedMar 25, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
15-Year Fixed
180
5.75%
6.06%
View
▼
Rate5.75%
APR6.06%
Points0.909
UpdatedMar 29, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
15 Year Fixed Rate
6.00%
6.10%
View
▼
Rate6.00%
APR6.10%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
15 Year Fixed
6.00%
6.16%
View
▼
Rate6.00%
APR6.16%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
15 Year Fixed Rate
180
6.12%
6.17%
View
▼
Rate6.12%
APR6.17%
Points-0.393
UpdatedMar 29, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
15 Year Fixed Rate
6.12%
6.24%
View
▼
Rate6.12%
APR6.24%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
15-Year Fixed
180
6.10%
6.24%
View
▼
Rate6.10%
APR6.24%
Points-0.187
UpdatedMar 29, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
15 Year Fixed Rate
180
6.12%
6.25%
View
▼
Rate6.12%
APR6.25%
Points0.107
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
15-Year Fixed
180
6.10%
6.26%
View
▼
Rate6.10%
APR6.26%
Points-0.107
UpdatedMar 29, 2026
Details

No additional details available.

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
15 Year Fixed Refinance (Cash Out)
6.00%
6.31%
View
▼
Rate6.00%
APR6.31%
Points0.750
UpdatedMar 28, 2026
Details

No additional details available.

Argent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
15 Year Fixed Rate
15
6.00%
6.34%
View
▼
Rate6.00%
APR6.34%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Dominion Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
15 Year Fixed Rate
6.25%
6.46%
View
▼
Rate6.25%
APR6.46%
Points0.125
UpdatedMar 25, 2026
Details

No additional details available.

Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
15-Year Fixed
6.25%
6.61%
View
▼
Rate6.25%
APR6.61%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
15-Year Fixed Rate
15-Year
8.17%
7.99%
View
▼
Rate8.17%
APR7.99%
Points0.000
UpdatedMar 25, 2026
Details

As Low As

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
5/1 ARM
5.00%
5.12%
View
▼
Rate5.00%
APR5.12%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Mortgages for Professionals 5/5 ARM
5.25%
5.25%
View
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedApr 4, 2026
Details

As Low As

Argent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
5/5 Adjustable Rate & Professional Mortgages
5.12%
5.29%
View
▼
Rate5.12%
APR5.29%
Points0.000
UpdatedMar 25, 2026
Details

As Low As

Argent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
5/5 Adjustable Rate & Professionals Mortgage
5.12%
5.29%
View
▼
Rate5.12%
APR5.29%
Points0.000
UpdatedMar 25, 2026
Details

As Low As

SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3/1 ARM
30
5.25%
5.29%
View
▼
Rate5.25%
APR5.29%
Points0.000
UpdatedMar 28, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
First-Time Homebuyer Mortgage 5/5 ARM
5/5
5.50%
5.37%
View
▼
Rate5.50%
APR5.37%
Points0.000
UpdatedApr 4, 2026
Details

As Low As

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Adjustable Rate Mortgages 30 years (5-year ARM)
30 years
5.25%
5.37%
View
▼
Rate5.25%
APR5.37%
Points0.000
UpdatedMar 25, 2026
Details

Origination Fee: $995; Type: Conventional Loans

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
7/1 ARM
5.25%
5.37%
View
▼
Rate5.25%
APR5.37%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Adjustable Rate Mortgages 30 years (5-year ARM)
30 years
5.25%
5.39%
View
▼
Rate5.25%
APR5.39%
Points0.000
UpdatedMar 25, 2026
Details

Origination Fee: $995; Type: New Construction / Permanent Loans

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
5/6 Month SOFR ARM
5.25%
5.48%
View
▼
Rate5.25%
APR5.48%
Points1.500
UpdatedMar 28, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
5/6 Month SOFR ARM
5.38%
5.56%
View
▼
Rate5.38%
APR5.56%
Points1.000
UpdatedMar 28, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
7/6 Month SOFR ARM
5.38%
5.60%
View
▼
Rate5.38%
APR5.60%
Points1.500
UpdatedMar 28, 2026
Details

No additional details available.

Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3/1 ARM
4.75%
5.62%
View
▼
Rate4.75%
APR5.62%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Adjustable Rate Mortgages 30 years (10-year ARM)
30 years
5.50%
5.62%
View
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedMar 25, 2026
Details

Origination Fee: $995; Type: Conventional Loans

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
5/6 Month SOFR ARM
5.50%
5.64%
View
▼
Rate5.50%
APR5.64%
Points0.500
UpdatedMar 28, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
7/6 Month SOFR ARM
5.50%
5.68%
View
▼
Rate5.50%
APR5.68%
Points1.000
UpdatedMar 28, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
5/6 Month SOFR ARM
5.62%
5.72%
View
▼
Rate5.62%
APR5.72%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5/1 ARM
5.00%
5.73%
View
▼
Rate5.00%
APR5.73%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
7/6 Month SOFR ARM
5.62%
5.76%
View
▼
Rate5.62%
APR5.76%
Points0.500
UpdatedMar 28, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
7/6 Month SOFR ARM
5.75%
5.84%
View
▼
Rate5.75%
APR5.84%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
7/1 ARM
5.25%
5.86%
View
▼
Rate5.25%
APR5.86%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Conforming 5/5 ARM
5.62%
5.88%
View
▼
Rate5.62%
APR5.88%
Points0.250
UpdatedApr 4, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Conforming 5/5 ARM
5.75%
5.90%
View
▼
Rate5.75%
APR5.90%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Jumbo 5/5 ARM
5.75%
5.92%
View
▼
Rate5.75%
APR5.92%
Points0.125
UpdatedApr 4, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Jumbo 5/5 ARM
5.88%
5.95%
View
▼
Rate5.88%
APR5.95%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Conforming 15/15 ARM
5.75%
5.96%
View
▼
Rate5.75%
APR5.96%
Points0.125
UpdatedApr 4, 2026
Details

No additional details available.

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Conforming 5/1 ARM
5/1
6.09%
6.02%
View
▼
Rate6.09%
APR6.02%
Points0.000
UpdatedMar 29, 2026
Details

0.25% reduction

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
5/1 ARM
5.12%
6.03%
View
▼
Rate5.12%
APR6.03%
Points1.000
UpdatedMar 25, 2026
Details

No additional details available.

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
7/1 ARM
5.38%
6.03%
View
▼
Rate5.38%
APR6.03%
Points1.000
UpdatedMar 25, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Conforming 15/15 ARM
5.88%
6.05%
View
▼
Rate5.88%
APR6.05%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Conforming 7/1 ARM
7/1
6.24%
6.06%
View
▼
Rate6.24%
APR6.06%
Points0.000
UpdatedMar 29, 2026
Details

0.25% reduction

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
5/1 Adjustable Rate Mortgage
5.50%
6.07%
View
▼
Rate5.50%
APR6.07%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
5/5 Adjustable Rate
5.50%
6.07%
View
▼
Rate5.50%
APR6.07%
Points0.000
UpdatedMar 27, 2026
Details

As Low As

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
5/5 Adjustable Rate
6.13%
6.09%
View
▼
Rate6.13%
APR6.09%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
5/1 ARM - 30 Year Fixed Purchase
4.99%
6.10%
View
▼
Rate4.99%
APR6.10%
Points1.000
UpdatedMar 28, 2026
Details

No additional details available.

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3/1 Adjustable Rate Mortgage
5.25%
6.10%
View
▼
Rate5.25%
APR6.10%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
First Time Home Buyer 5/1 Adjustable Rate Mortgage
5.88%
6.12%
View
▼
Rate5.88%
APR6.12%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Conforming 7/6 ARM
5.62%
6.14%
View
▼
Rate5.62%
APR6.14%
Points0.250
UpdatedApr 4, 2026
Details

No additional details available.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5/1 ARM
5.62%
6.14%
View
▼
Rate5.62%
APR6.14%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Jumbo 5/1 ARM
5.75%
6.15%
View
▼
Rate5.75%
APR6.15%
Points0.000
UpdatedMar 28, 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%
3/1 ARM
5.50%
6.17%
View
▼
Rate5.50%
APR6.17%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Conforming 7/6 ARM
5.75%
6.18%
View
▼
Rate5.75%
APR6.18%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Jumbo 3/1 ARM
5.63%
6.21%
View
▼
Rate5.63%
APR6.21%
Points0.000
UpdatedMar 28, 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%
7/1 ARM - 30 Year Fixed Purchase
5.62%
6.22%
View
▼
Rate5.62%
APR6.22%
Points0.750
UpdatedMar 28, 2026
Details

No additional details available.

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7/1 ARM - 30 Year Fixed Refinance
5.62%
6.22%
View
▼
Rate5.62%
APR6.22%
Points0.750
UpdatedMar 28, 2026
Details

No additional details available.

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7/1 ARM - 30 Year Fixed Refinance (Cash Out)
5.62%
6.22%
View
▼
Rate5.62%
APR6.22%
Points0.750
UpdatedMar 28, 2026
Details

No additional details available.

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7/6 ARM Jumbo 30-Year Variable
30
5.75%
6.23%
View
▼
Rate5.75%
APR6.23%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
5/5 Jumbo Adjustable Rate Mortgage
6.38%
6.23%
View
▼
Rate6.38%
APR6.23%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
7-Year ARM
360
5.50%
6.26%
View
▼
Rate5.50%
APR6.26%
Points1.625
UpdatedMar 29, 2026
Details

No additional details available.

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7/6 ARM 30-Year Variable
30
5.75%
6.27%
View
▼
Rate5.75%
APR6.27%
Points0.000
UpdatedMar 25, 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%
Jumbo 15 Year Fixed
5.75%
5.79%
View
▼
Rate5.75%
APR5.79%
Points0.250
UpdatedApr 4, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
15yr Jumbo Fixed Rate Conventional
180
5.62%
5.86%
View
▼
Rate5.62%
APR5.86%
Points1.125
UpdatedMar 29, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Jumbo 15 Year Fixed
5.88%
5.88%
View
▼
Rate5.88%
APR5.88%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
15-year Fixed Rate Jumbo
5.50%
5.97%
View
▼
Rate5.50%
APR5.97%
Points2.000
UpdatedMar 28, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
15yr Jumbo Fixed Rate Conventional
180
5.62%
6.00%
View
▼
Rate5.62%
APR6.00%
Points2.000
UpdatedMar 29, 2026
Details

No additional details available.

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
Jumbo Loan
5.88%
6.01%
View
▼
Rate5.88%
APR6.01%
Points1.125
UpdatedMar 28, 2026
Details

As Low As; Rates as low as 5.875% (6.007% APR)

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
15-year Fixed Rate Jumbo
5.62%
6.02%
View
▼
Rate5.62%
APR6.02%
Points1.500
UpdatedMar 28, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
15yr Jumbo Fixed Rate Conventional
180
6.00%
6.06%
View
▼
Rate6.00%
APR6.06%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
15-year Fixed Rate Jumbo
5.75%
6.07%
View
▼
Rate5.75%
APR6.07%
Points1.000
UpdatedMar 28, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
15-year Fixed Rate Jumbo
5.88%
6.11%
View
▼
Rate5.88%
APR6.11%
Points0.500
UpdatedMar 28, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
30yr Jumbo Fixed Rate Mortgage
360
6.00%
6.12%
View
▼
Rate6.00%
APR6.12%
Points0.875
UpdatedMar 29, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
15-year Fixed Rate Jumbo
6.00%
6.16%
View
▼
Rate6.00%
APR6.16%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Jumbo 15-Year
15-Year
6.00%
6.19%
View
▼
Rate6.00%
APR6.19%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
15yr Jumbo Fixed Rate Conventional
180
6.00%
6.20%
View
▼
Rate6.00%
APR6.20%
Points0.875
UpdatedMar 29, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
30yr Jumbo Fixed Rate Mortgage
360
6.00%
6.20%
View
▼
Rate6.00%
APR6.20%
Points1.750
UpdatedMar 29, 2026
Details

No additional details available.

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
15-Year Jumbo Fixed
15
6.12%
6.21%
View
▼
Rate6.12%
APR6.21%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
30yr Jumbo Fixed Rate Mortgage
360
6.25%
6.26%
View
▼
Rate6.25%
APR6.26%
Points-0.250
UpdatedMar 29, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
30-year Fixed Rate Jumbo
6.00%
6.29%
View
▼
Rate6.00%
APR6.29%
Points2.000
UpdatedMar 28, 2026
Details

No additional details available.

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
30 Year Fixed Jumbo Rate
6.25%
6.31%
View
▼
Rate6.25%
APR6.31%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
30yr Jumbo Fixed Rate Mortgage
360
6.25%
6.35%
View
▼
Rate6.25%
APR6.35%
Points0.625
UpdatedMar 29, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
30-year Fixed Rate Jumbo
6.12%
6.37%
View
▼
Rate6.12%
APR6.37%
Points1.500
UpdatedMar 28, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Jumbo 30 Year Fixed
30
6.25%
6.39%
View
▼
Rate6.25%
APR6.39%
Points1.000
UpdatedMar 25, 2026
Details

As Low As

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
30-Year Jumbo Fixed
30
6.38%
6.42%
View
▼
Rate6.38%
APR6.42%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
30-year Fixed Rate Jumbo
6.25%
6.44%
View
▼
Rate6.25%
APR6.44%
Points1.000
UpdatedMar 28, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
30-year Fixed Rate Jumbo
6.38%
6.52%
View
▼
Rate6.38%
APR6.52%
Points0.500
UpdatedMar 28, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Jumbo 30 Year Fixed
6.50%
6.52%
View
▼
Rate6.50%
APR6.52%
Points0.250
UpdatedApr 4, 2026
Details

No additional details available.

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
30-year Fixed Rate Jumbo
6.50%
6.60%
View
▼
Rate6.50%
APR6.60%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Jumbo 30 Year Fixed
6.62%
6.62%
View
▼
Rate6.62%
APR6.62%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Jumbo 30-Year
30-Year
6.75%
6.87%
View
▼
Rate6.75%
APR6.87%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year Jumbo
360
7.17%
7.32%
View
▼
Rate7.17%
APR7.32%
Points0.906
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year Jumbo
360
7.58%
7.62%
View
▼
Rate7.58%
APR7.62%
Points-0.087
UpdatedMar 29, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
FHA
15 Years
5.50%
6.00%
View
▼
Rate5.50%
APR6.00%
Points0.500
UpdatedMar 25, 2026
Details

No additional details available.

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
30 years FHA Loan
30 years
5.88%
6.09%
View
▼
Rate5.88%
APR6.09%
Points0.625
UpdatedMar 25, 2026
Details

No additional details available.

Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
FHA
30 Years
5.62%
6.19%
View
▼
Rate5.62%
APR6.19%
Points0.625
UpdatedMar 25, 2026
Details

No additional details available.

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
30 Year FHA Fixed-Rate Mortgage
6.12%
6.33%
View
▼
Rate6.12%
APR6.33%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
FHA 30
6.12%
6.33%
View
▼
Rate6.12%
APR6.33%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
FHA 15 Year Fixed Rate
5.62%
6.37%
View
▼
Rate5.62%
APR6.37%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
FHA Loan
5.62%
6.51%
View
▼
Rate5.62%
APR6.51%
Points0.000
UpdatedMar 28, 2026
Details

As Low As; Rates as low as 5.625% (6.508% APR)

Dominion Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
FHA 30 Year
6.25%
6.59%
View
▼
Rate6.25%
APR6.59%
Points0.500
UpdatedMar 25, 2026
Details

No additional details available.

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
FHA 30 Year Fixed
6.00%
6.60%
View
▼
Rate6.00%
APR6.60%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
FHA 30 Year FIxed
6.00%
6.60%
View
▼
Rate6.00%
APR6.60%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
FHA 30 Year Fixed Rate
6.00%
6.60%
View
▼
Rate6.00%
APR6.60%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
30 Year FHA Fixed Rate
360
6.62%
6.68%
View
▼
Rate6.62%
APR6.68%
Points-0.125
UpdatedMar 29, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
30 Year FHA Fixed Rate
360
6.75%
6.76%
View
▼
Rate6.75%
APR6.76%
Points-0.625
UpdatedMar 29, 2026
Details

No additional details available.

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
FHA 30 Year Fixed
6.25%
6.86%
View
▼
Rate6.25%
APR6.86%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
FHA Plus 30 Year Fixed Rate Second Mortgage
360
6.75%
6.86%
View
▼
Rate6.75%
APR6.86%
Points0.375
UpdatedMar 29, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
FHA Plus 30 Year Fixed Rate Second Mortgage
360
6.88%
6.93%
View
▼
Rate6.88%
APR6.93%
Points-0.125
UpdatedMar 29, 2026
Details

No additional details available.

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
FHA 30 Year Fixed Rate
6.25%
7.01%
View
▼
Rate6.25%
APR7.01%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
FHA 30 Year Fixed
30
6.50%
7.11%
View
▼
Rate6.50%
APR7.11%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year FHA
360
6.10%
7.33%
View
▼
Rate6.10%
APR7.33%
Points0.896
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year FHA
360
6.60%
7.72%
View
▼
Rate6.60%
APR7.72%
Points-0.274
UpdatedMar 29, 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%
VA Loan
5.62%
5.91%
View
▼
Rate5.62%
APR5.91%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
30 Year VA Fixed-Rate Mortgage
6.00%
6.21%
View
▼
Rate6.00%
APR6.21%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
VA 30
6.00%
6.21%
View
▼
Rate6.00%
APR6.21%
Points0.000
UpdatedMar 27, 2026
Details

No additional details available.

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
VA 30 Year Fixed
6.00%
6.24%
View
▼
Rate6.00%
APR6.24%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
VA 30 Year Fixed
6.00%
6.24%
View
▼
Rate6.00%
APR6.24%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
VA 30 Year Fixed Rate
6.00%
6.24%
View
▼
Rate6.00%
APR6.24%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
30 years VA Loan
30 years
6.25%
6.40%
View
▼
Rate6.25%
APR6.40%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
VA Loans
6.12%
6.43%
View
▼
Rate6.12%
APR6.43%
Points0.000
UpdatedApr 4, 2026
Details

30-Year Rates As Low As; Primary Residence

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year VA
360
6.10%
6.49%
View
▼
Rate6.10%
APR6.49%
Points0.898
UpdatedMar 29, 2026
Details

No additional details available.

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
VA 30 Year Fixed
6.25%
6.49%
View
▼
Rate6.25%
APR6.49%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
VA 30 Year Fixed Rate
6.25%
6.56%
View
▼
Rate6.25%
APR6.56%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
VA 30 Year Fixed
30
6.50%
6.74%
View
▼
Rate6.50%
APR6.74%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Dominion Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
VA 30 Year
6.75%
6.86%
View
▼
Rate6.75%
APR6.86%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year VA
360
6.60%
6.88%
View
▼
Rate6.60%
APR6.88%
Points-0.277
UpdatedMar 29, 2026
Details

No additional details available.

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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Montpelier, VA Mortgage Rate Trends

Compare local Montpelier, VA mortgage rate quotes against the statewide average

Daily mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Virginia Mortgage Trends →
30-Year Fixed — VA Avg
6.800%
▲ 0.059 vs 7 days ago

Virginia 30-year fixed rates rose 0.059 points over the past 7 days to 6.800%.

15-Year Fixed — VA Avg
6.129%
▲ 0.004 vs 7 days ago

Virginia 15-year fixed rates rose 0.004 points over the past 7 days to 6.129%.

As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Montpelier, 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 Montpelier, 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 Montpelier, Virginia

How does my credit score affect my rate in Virginia?

Your credit score is a major factor. Generally, borrowers in Montpelier, 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 Montpelier, 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 Montpelier, 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 Montpelier, 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 Montpelier, 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 Montpelier, Virginia?

  • Langley Federal Credit Union: 5.25% (30 Year Fixed Refinance)
  • State Department Federal Credit Union: 5.88% (Super Conforming 30 Year Fixed)
  • Commonwealth One Federal Credit Union: 5.88% (Made to Match - 30 Year Fixed)
  • Signal Financial Federal Credit Union: 5.88% (30-year fixed)
  • Signature Federal Credit Union: 5.75% (30-year Fixed Rate)
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: April 4, 2026

Montpelier, Virginia Rates & Resources

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