Mortgage lending in Clarke County
326 mortgages were originated in Clarke 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
- 326
- Median rate
- 6.750%
- Median lender fees
- $5,679
- Median loan amount
- $315,000
- Median spread over APOR
- 0.210
- Paid discount points
- 34.7%
- Received lender credits
- 22.7%
- Purchases / refinances
- 45.4% / 35%
- Conventional / FHA / VA
- 83.1% / 6.4% / 10.1%
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 69.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,249,125
- FHA limit
- $1,249,125
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