Mortgage lending in Bedford County
2,146 mortgages were originated in Bedford 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
- 2,146
- Median rate
- 6.625%
- Median lender fees
- $5,331
- Median loan amount
- $235,000
- Median spread over APOR
- 0.295
- Paid discount points
- 38.7%
- Received lender credits
- 24%
- Purchases / refinances
- 49.6% / 30.3%
- Conventional / FHA / VA
- 74.7% / 14.4% / 10.3%
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 75% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
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 Bedford County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 198 | $5,777 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 109 | $8,656 | 6.125% |
| Virginia Credit Union, Inc. | 101 | — | 6.240% |
| Truist Bank | 98 | — | 6.925% |
| Atlantic Union Bank | 93 | — | 7.500% |
| Alcova Mortgage LLC | 80 | $4,919 | 6.875% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 73 | $6,948 | 6.625% |
| FREEDOM FIRST Federal Credit Union | 56 | — | 6.875% |
| FIRST BANCORP, INC. | 55 | — | 7.125% |
| Fairway Independent Mortgage Corporation | 55 | — | 6.625% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Bedford County — not a rule of thumb.
From 1,609 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