Mortgage lending in Gloucester County
1,185 mortgages were originated in Gloucester 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
- 1,185
- Median rate
- 6.625%
- Median lender fees
- $6,521
- Median loan amount
- $235,000
- Median spread over APOR
- 0.375
- Paid discount points
- 40.7%
- Received lender credits
- 19.9%
- Purchases / refinances
- 42.6% / 30.1%
- Conventional / FHA / VA
- 64.5% / 12.7% / 21.7%
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 67.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $757,850
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 Gloucester County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| LANGLEY Federal Credit Union | 114 | — | 6.990% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 88 | $8,316 | 6.625% |
| MOVEMENT MORTGAGE, LLC | 70 | $9,161 | 6.625% |
| NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | 69 | — | 7.490% |
| Rocket Mortgage, LLC | 66 | $5,764 | 6.750% |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | 64 | — | 5.990% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Gloucester County — not a rule of thumb.
From 797 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