Mortgage lending in Loudoun County
11,500 mortgages were originated in Loudoun 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
- 11,500
- Median rate
- 6.500%
- Median lender fees
- $5,807
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
- $485,000
- Above the going rate (spread over APOR)
- 0.117
- Paid discount points
- 30.7%
- Received lender credits
- 30%
- Purchases / refinances
- 47.9% / 31%
- Conventional / FHA / VA
- 87.5% / 5% / 7.5%
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% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,249,125
- FHA limit
- $1,249,125
- Median home price
- $1,198,000
- That home, 20% down
- $958,400
A median-priced home with 20% down leaves $290,725 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. 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 Loudoun County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 814 | $4,117 | 6.750% |
| Navy Federal Credit Union | 645 | — | 7.950% |
| United Shore Financial Services, LLC | 585 | $7,106 | 6.125% |
| Truist Bank | 511 | $5,958 | 6.250% |
| Atlantic Coast Mortgage, LLC | 427 | $6,316 | 6.500% |
| Intercoastal Mortgage, LLC | 412 | $7,957 | 6.490% |
| Bank of America, National Association | 264 | $5,361 | 6.240% |
| Pennymac Loan Services, LLC | 260 | $5,224 | 6.375% |
| Northwest Federal Credit Union | 242 | $235 | 7.000% |
| Guaranteed Rate, Inc. | 225 | $6,363 | 6.250% |
What lenders charged here
Lender fees on a $485,000 loan, based on what was actually charged in Loudoun County — not a rule of thumb.
From 8,400 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