Current Virginia Mortgage Rates
Average market rates for February 13, 2026 in Virginia are 6.04% for 30-year fixed purchase and 6.08% for 30-year fixed refinance
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.04% | 6.07% |
| 30-year Fixed Refinance | 6.08% | 6.10% |
Rates based on market averages as of Feb 12, 2026.Mortgage Rate Trends in Virginia
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.04% | 6.07% |
| 30-year Fixed Refinance | 6.08% | 6.10% |
Rates based on market averages as of Feb 12, 2026.Virginia Purchase Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Purchase | 5.26% | 5.30% |
| 15-year Fixed Jumbo Purchase | 5.95% | 5.97% |
| 30-year Fixed Purchase | 6.04% | 6.07% |
| 30-year Fixed Jumbo Purchase | 6.60% | 6.61% |
Rates based on market averages as of Feb 12, 2026.Virginia Refinance Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Refinance | 5.24% | 5.27% |
| 15-year Fixed Jumbo Refinance | 5.93% | 5.95% |
| 30-year Fixed Refinance | 6.08% | 6.10% |
| 30-year Fixed Jumbo Refinance | 6.64% | 6.65% |
Rates based on market averages as of Feb 12, 2026.Virginia ARM Rates
| Product | Rate | APR |
|---|
| 5/6 Arm (purchase) | 5.94% | 5.97% |
| 5/6 Arm (refinance) | 5.85% | 5.88% |
| 5/6 Jumbo Arm (purchase) | 5.38% | 5.39% |
| 5/6 Jumbo Arm (refinance) | 5.38% | 5.39% |
Rates based on market averages as of Feb 12, 2026.How we source rates and rate trends
×
Rate data in the charts and tables above comes from
RateUpdate.com.
The displayed rates come from multiple providers and represent market averages. Your mortgage rate will differ
based on individual factors like your credit score as well as differing loan types and terms offered by lenders.
Most Common Mortgage Types in Virginia
- Conventional: 79,000 loans
- FHA: 16,845 loans
- USDA: 2,070 loans
- VA: 24,636 loans
Top Purchase Lenders in Virginia by Volume
- Movement Mortgage, LLC: 5,230 loans
- Atlantic Bay Mortgage Group, L.l.c.: 4,987 loans
- Rocket Mortgage, LLC: 4,369 loans
- Mortgage Research Center, LLC: 3,953 loans
- Navy Federal Credit Union: 3,275 loans
- Mclean Mortgage Corporation: 2,937 loans
- Nvr Mortgage Finance, Inc.: 2,838 loans
- Alcova Mortgage LLC: 2,792 loans
- Prosperity Home Mortgage, LLC: 2,774 loans
- Atlantic Coast Mortgage, LLC: 2,641 loans
Top Refinance Lenders in Virginia by Volume
- Truist Bank: 1,763 loans
- Rocket Mortgage, LLC: 1,612 loans
- Pennymac Loan Services, LLC: 957 loans
- Wells Fargo Bank: 942 loans
- PNC Bank: 834 loans
- Bank Of America: 606 loans
- Capital Center, L.l.c.: 596 loans
- Nationstar Mortgage LLC: 560 loans
- Navy Federal Credit Union: 553 loans
- Loandepot.com, LLC: 523 loans
Top Cash-Out Refinance Lenders in Virginia by Volume
- Rocket Mortgage, LLC: 6,988 loans
- Loandepot.com, LLC: 1,813 loans
- Freedom Mortgage Corporation: 1,618 loans
- Wells Fargo Bank: 1,454 loans
- Nationstar Mortgage LLC: 1,437 loans
- Navy Federal Credit Union: 1,383 loans
- Pennymac Loan Services, LLC: 1,249 loans
- Capital Center, L.l.c.: 961 loans
- Amerisave Mortgage Corporation: 758 loans
- Truist Bank: 728 loans
How we source lender data
Meet the Author
The Refi.com team is compiled of journalists, editors, and mortgage industry professionals to ensure you have the most accurate information on mortgage refinancing.
