Mortgage lending in Henrico County
8,202 mortgages were originated in Henrico 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
- 8,202
- Median rate
- 6.625%
- Median lender fees
- $5,187
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
- $275,000
- Above the going rate (spread over APOR)
- 0.275
- Paid discount points
- 39%
- Received lender credits
- 30.9%
- Purchases / refinances
- 51.6% / 29.1%
- Conventional / FHA / VA
- 80.7% / 13.1% / 6.1%
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 73.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $707,250
- Median home price
- $615,000
- That home, 20% down
- $492,000
A median-priced home with 20% down leaves $340,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. 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 Henrico County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 554 | $5,322 | 6.750% |
| Virginia Credit Union, Inc. | 536 | $3,679 | 6.240% |
| United Shore Financial Services, LLC | 408 | $7,859 | 6.125% |
| Capital Center, L.L.C. | 365 | — | 6.500% |
| First Heritage Mortgage, LLC | 290 | $6,745 | 6.490% |
| Truist Bank | 280 | $4,790 | 6.590% |
| Towne Bank | 229 | $6,792 | 6.625% |
| Pennymac Loan Services, LLC | 194 | $4,950 | 6.562% |
| Atlantic Union Bank | 175 | — | 7.500% |
| Navy Federal Credit Union | 174 | $2,464 | 7.750% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Henrico County — not a rule of thumb.
From 6,032 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