2026 Mortgage Loan Limits for Lynchburg City, Virginia
Lynchburg City Loan Limits History
See how mortgage loan limits in this area have evolved over time. This historical chart shows conventional, FHA, VA, and USDA limits for 1-4 unit properties.
Lynchburg City Loan Limits: Complete Historical Table
Browse the full historical data for Lynchburg City mortgage loan limits from 1972 to 2026. This comprehensive table shows how loan limits have changed over 50+ years, helping you understand long-term trends in your local housing market.
| Year | Conventional | FHA | VA | USDA |
|---|---|---|---|---|
| 2026 | $832,750 | $541,287 | $832,750 | $433,020 |
| 2025 | $806,500 | $524,225 | $806,500 | - |
| 2024 | $766,550 | $498,257 | $766,550 | - |
| 2023 | $726,200 | $472,030 | $726,200 | - |
| 2022 | $647,200 | $420,680 | $647,200 | - |
| 2021 | $548,250 | $356,362 | $548,250 | - |
| 2020 | $510,400 | $331,760 | $510,400 | - |
| 2019 | $484,350 | $314,827 | $484,350 | - |
| 2018 | $453,100 | $294,515 | $453,100 | - |
| 2017 | $424,100 | $292,100 | $424,100 | - |
| 2016 | $417,000 | $292,100 | $417,000 | - |
| 2015 | $417,000 | $292,100 | $417,000 | - |
| 2014 | $417,000 | $292,100 | $417,000 | - |
| 2013 | $417,000 | $292,100 | $417,000 | - |
| 2012 | $417,000 | $292,100 | $417,000 | - |
| 2011 | $417,000 | $292,100 | $417,000 | - |
| 2010 | $417,000 | $292,100 | $417,000 | - |
| 2009 | $417,000 | $271,050 | $417,000 | - |
| 2008 | $417,000 | $200,160 | $417,000 | - |
Cities in Lynchburg City, Virginia
The following cities and communities are covered by Lynchburg City loan limits. Whether you're looking for mortgage loan limits in Lynchburg or any other Lynchburg City city, the same conventional, FHA, VA, and USDA loan limits apply throughout the county.
Lynchburg City, Virginia Mortgage Market Analysis (2018-2024)
Explore borrowing and mortgage trends in Lynchburg City, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.
Loan Count by Loan Type (Lynchburg City, Virginia)
Number of mortgage loans originated by loan type (Conventional, FHA, VA, USDA) in Lynchburg City from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 918 | 666 | 742 | ▲11.41% |
| FHA | 277 | 229 | 248 | ▲8.30% |
| VA | 115 | 95 | 129 | ▲35.79% |
| USDA | 0 | 0 | 0 | ▲0.00% |
Market Share by Loan Type (Lynchburg City, Virginia)
Market share percentage by loan type (Conventional, FHA, VA, USDA) in Lynchburg City from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 70.08% | 67.27% | 66.31% | ▼-0.96% |
| FHA | 21.15% | 23.13% | 22.16% | ▼-0.97% |
| VA | 8.78% | 9.60% | 11.53% | ▲1.93% |
| USDA | 0.00% | 0.00% | 0.00% | ▲0.00% |
Average Loan-to-Value by Loan Type (Lynchburg City, Virginia)
Average loan-to-value ratio by loan type (Conventional, FHA, VA, USDA) in Lynchburg City from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 84.30% | 84.70% | 83.30% | ▼-1.40% |
| FHA | 97.20% | 90.30% | 93.70% | ▲3.40% |
| VA | 100.00% | 91.50% | 99.30% | ▲7.80% |
| USDA | 0.00% | 0.00% | 0.00% | ▲0.00% |
