Mortgage lending in Frederick County
2,992 mortgages were originated in Frederick 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
- 2,992
- Median rate
- 6.625%
- Median lender fees
- $5,755
- Median loan amount
- $295,000
- Median spread over APOR
- 0.300
- Paid discount points
- 41.1%
- Received lender credits
- 23.1%
- Purchases / refinances
- 54.7% / 26.7%
- Conventional / FHA / VA
- 73.6% / 15.6% / 10%
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 73.2% 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 Frederick County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Navy Federal Credit Union | 226 | $1,478 | 7.950% |
| Rocket Mortgage, LLC | 217 | $4,074 | 6.875% |
| DHI MORTGAGE COMPANY, LTD. | 208 | $4,477 | 5.990% |
| CROSSCOUNTRY MORTGAGE, INC. | 145 | $8,595 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 135 | $10,061 | 6.250% |
| Integrity Home Mortgage Corporation | 117 | $8,329 | 6.625% |
| Truist Bank | 102 | — | 6.720% |
| Loandepot.Com, LLC | 95 | $3,932 | 6.375% |
| PENNYMAC LOAN SERVICES, LLC | 85 | $4,029 | 7.750% |
| INTERCOASTAL MORTGAGE, LLC | 80 | $8,462 | 6.500% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Frederick County — not a rule of thumb.
From 2,191 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