Mortgage lending in James City County
2,304 mortgages were originated in James City 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
- 2,304
- Median rate
- 6.562%
- Median lender fees
- $5,464
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)
- 0.155
- 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
- Median home price
- $630,000
- That home, 20% down
- $504,000
A median-priced home with 20% down leaves $328,750 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 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, 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