Mortgage lending in Hanover County
3,120 mortgages were originated in Hanover 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
- 3,120
- Median rate
- 6.625%
- Median lender fees
- $5,141
- Median loan amount
- $285,000
- Median spread over APOR
- 0.305
- Paid discount points
- 35.8%
- Received lender credits
- 26.9%
- Purchases / refinances
- 42.9% / 32%
- Conventional / FHA / VA
- 81.5% / 9.9% / 8.3%
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 72.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $707,250
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 Hanover County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 259 | $4,395 | 6.875% |
| Virginia Credit Union, Inc. | 228 | $2,825 | 6.240% |
| Truist Bank | 144 | — | 6.490% |
| CAPITAL CENTER, L.L.C. | 136 | — | 6.375% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 134 | $8,625 | 6.125% |
| Atlantic Union Bank | 121 | — | 7.500% |
| C & F Mortgage Corporation | 99 | $6,362 | 6.500% |
| United Bank | 80 | $4,833 | 6.490% |
| PENNYMAC LOAN SERVICES, LLC | 77 | $5,400 | 6.499% |
| Navy Federal Credit Union | 74 | — | 8.000% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Hanover County — not a rule of thumb.
From 2,271 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