Virginia Mortgage Rate Trends
Track current and weekly average mortgage rates across all loan products in Virginia, view interactive rate trend charts, and compare VA borrowing costs against the national average.
Current Virginia Mortgage Rate Trends
Mortgage rates in Virginia held steady this week at a 30-year fixed average of 6.200%. VA rates are unchanged from the prior week, reflecting a period of stability in local lending conditions.
At 6.200%, Virginia's 30-year fixed rate sits -0.120 below the current national average of 6.320%. This favorable spread suggests VA borrowers may have a competitive advantage relative to the rest of the country.
The 15-year fixed rate in Virginia currently averages 5.782%, compared to 5.782% last week. Homeowners considering a refinance into a shorter term should weigh this rate against their current loan conditions and remaining balance. Shorter-term loans typically carry lower rates but require higher monthly payments.
The Virginia mortgage rate averages displayed on this page are calculated from 589 verified mortgage rate quotes collected across 81 lenders actively operating in Virginia. Our proprietary systems collect and verify mortgage rates daily — tracking what real licensed institutions are actually quoting to borrowers, not published rate sheet estimates.
Unlike rate comparison sites that show only a handful of lenders, MonitorBankRates maintains a continuously updated mortgage rate database spanning community banks, regional lenders, national institutions, and credit unions across Virginia. This scale allows us to calculate averages that reflect the full lending landscape — not just the most aggressive advertisers — giving borrowers, journalists, and real estate professionals a more accurate benchmark for what rates actually look like in VA.
Data reflects average rates offered by licensed institutions operating in VA. Last Updated: April 19, 2026
Virginia Mortgage Rate Trends
Daily average rates across all loan products. Hover over the chart to see exact rates for each day.
Virginia mortgage rate averages compiled from 589 current mortgage rates across 81 lenders operating in VA — updated daily.
As of Apr 19, 2026 • Data provided by MonitorBankRates.com
For Media, Researchers & Real Estate Professionals
Journalists covering Virginia housing markets, real estate professionals advising clients on timing, and academic researchers studying regional lending patterns are welcome to cite and reference this data. All historical VA rate data is free to use for editorial, research, and educational purposes.
Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report — and optionally link to https://monitorbankrates.com/mortgage-loan-rates/virginia/trends. For custom data pulls, contact us here.
