Mortgage lending in Augusta County
2,101 mortgages were originated in Augusta 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
- 2,101
- Median rate
- 6.875%
- Median lender fees
- $5,148
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
- $205,000
- Above the going rate (spread over APOR)
- 0.272
- Paid discount points
- 31.8%
- Received lender credits
- 20.2%
- Purchases / refinances
- 42.7% / 34.5%
- Conventional / FHA / VA
- 78.9% / 12.8% / 7.1%
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 60.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $333,000
- That home, 20% down
- $266,400
A median-priced home with 20% down leaves $566,350 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. 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 Augusta County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| DuPont Community Federally Insured State-Chartered Credit Union | 548 | $3,073 | 7.250% |
| Alcova Mortgage LLC | 120 | $4,525 | 6.875% |
| Rocket Mortgage, LLC | 120 | $5,995 | 6.625% |
| City National Bank of West Virginia | 98 | — | 6.290% |
| Truist Bank | 70 | — | 6.662% |
| First Bancorp, Inc. | 60 | — | 7.375% |
| Atlantic Union Bank | 59 | — | 8.000% |
| Movement Mortgage, LLC | 50 | — | 6.781% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Augusta County — not a rule of thumb.
From 1,272 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