Mortgage lending in Culpeper County
1,503 mortgages were originated in Culpeper 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
- 1,503
- Median rate
- 6.500%
- Median lender fees
- $6,660
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
- $355,000
- Above the going rate (spread over APOR)
- 0.214
- Paid discount points
- 46.2%
- Received lender credits
- 25.7%
- Purchases / refinances
- 49.8% / 32.8%
- Conventional / FHA / VA
- 67.3% / 16.6% / 15.3%
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 76.8% 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 Culpeper County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 130 | $4,354 | 6.990% |
| NVR Mortgage Finance, Inc. | 96 | $9,839 | 6.125% |
| Truist Bank | 68 | — | 6.713% |
| Navy Federal Credit Union | 60 | — | 7.250% |
| University Of Virginia Community Credit Union, Inc. | 57 | — | — |
| United Shore Financial Services, LLC | 55 | $10,559 | 6.125% |
| Lennar Mortgage, LLC | 50 | $5,879 | 6.500% |
What lenders charged here
Lender fees on a $355,000 loan, based on what was actually charged in Culpeper County — not a rule of thumb.
From 1,155 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