Mortgage lending in Culpeper County
1,503 mortgages were originated in Culpeper 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
- 1,503
- Median rate
- 6.500%
- Median lender fees
- $6,660
- Median loan amount
- $355,000
- Median 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
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
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, escrow and taxes are extra and are not in these figures. Compare two offers