Mortgage lending in Madison County
324 mortgages were originated in Madison 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
- 324
- Median rate
- 6.625%
- Median lender fees
- $6,550
- Median loan amount
- $275,000
- Median spread over APOR
- 0.340
- Paid discount points
- 44.1%
- Received lender credits
- 24.1%
- Purchases / refinances
- 46.3% / 29.9%
- Conventional / FHA / VA
- 71.9% / 18.5% / 9%
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 70.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,209,750
- FHA limit
- $541,287
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