Mortgage lending in Albemarle County
2,373 mortgages were originated in Albemarle County, Virginia, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,373
- Median rate
- 6.500%
- Median lender fees
- $5,427
- Median loan amount
- $325,000
- Median spread over APOR
- 0.142
- Paid discount points
- 31.5%
- Received lender credits
- 25.6%
- Purchases / refinances
- 51.6% / 26.9%
- Conventional / FHA / VA
- 88.9% / 3.8% / 7.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 66.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $598,000
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Albemarle County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 310 | — | — |
| Rocket Mortgage, LLC | 148 | $4,012 | 6.625% |
| GRAY FOX MORTGAGE, LLC | 132 | $5,254 | 6.625% |
| First Heritage Mortgage, LLC | 117 | $6,267 | 6.375% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 103 | $7,012 | 6.499% |
| Truist Bank | 92 | — | 6.490% |
| Fulton Bank, National Association | 82 | $5,976 | 6.375% |
| Bank of America, National Association | 66 | — | 5.990% |
| Navy Federal Credit Union | 58 | — | 6.938% |
What lenders charged here
Lender fees on a $325,000 loan, based on what was actually charged in Albemarle County — not a rule of thumb.
From 1,579 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers