Mortgage lending in Arlington County
3,201 mortgages were originated in Arlington County, Virginia, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,201
- Median rate
- 6.375%
- Median lender fees
- $6,169
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $505,000
- Above the going rate (spread over APOR)
- -0.034
- Paid discount points
- 28%
- Received lender credits
- 29.5%
- Purchases / refinances
- 59.8% / 24.7%
- Conventional / FHA / VA
- 87% / 2.1% / 10.9%
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 74.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,249,125
- FHA limit
- $1,249,125
- Median home price
- $1,198,000
- That home, 20% down
- $958,400
A median-priced home with 20% down leaves $290,725 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Arlington County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 128 | $5,513 | 6.500% |
| Truist Bank | 116 | $6,957 | 6.190% |
| First Savings Mortgage Corporation | 114 | $7,130 | 6.500% |
| Navy Federal Credit Union | 109 | $3,158 | 7.750% |
| United Shore Financial Services, LLC | 104 | $7,140 | 6.059% |
| Guaranteed Rate, Inc. | 104 | $6,395 | 6.438% |
| Bank of America, National Association | 101 | — | 5.990% |
| Atlantic Coast Mortgage, LLC | 96 | $6,411 | 6.375% |
| Crosscountry Mortgage, Inc. | 86 | $7,158 | 6.240% |
| Intercoastal Mortgage, LLC | 67 | $5,902 | 6.500% |
What lenders charged here
Lender fees on a $505,000 loan, based on what was actually charged in Arlington County — not a rule of thumb.
From 2,381 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers