Mortgage lending in James City County
2,304 mortgages were originated in James City 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
- 2,304
- Median rate
- 6.562%
- Median lender fees
- $5,464
- Median loan amount
- $275,000
- Median spread over APOR
- 0.155
- Paid discount points
- 38.6%
- Received lender credits
- 22.2%
- Purchases / refinances
- 48.8% / 27.8%
- Conventional / FHA / VA
- 72.8% / 7.3% / 19.8%
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 70.3% 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 James City County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 151 | $3,514 | 6.875% |
| LANGLEY Federal Credit Union | 145 | — | 6.990% |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | 118 | — | 5.990% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 110 | $8,420 | 6.625% |
| Prosperity Home Mortgage, LLC | 105 | $4,615 | 6.375% |
| Navy Federal Credit Union | 97 | $2,231 | 7.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 81 | $8,671 | 5.945% |
| Towne Bank | 78 | — | 7.133% |
| NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | 75 | — | 7.250% |
| Truist Bank | 72 | — | 6.970% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in James City County — not a rule of thumb.
From 1,620 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