Mortgage lending in Montgomery County
1,576 mortgages were originated in Montgomery 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
- 1,576
- Median rate
- 6.750%
- Median lender fees
- $4,978
- Median loan amount
- $235,000
- Median spread over APOR
- 0.297
- Paid discount points
- 35%
- Received lender credits
- 21.3%
- Purchases / refinances
- 56% / 24.8%
- Conventional / FHA / VA
- 84.1% / 9.3% / 5.4%
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 67.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
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 Montgomery County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| FREEDOM FIRST Federal Credit Union | 116 | $3,947 | 6.625% |
| Alcova Mortgage LLC | 111 | $5,660 | 6.625% |
| Atlantic Union Bank | 77 | — | 7.500% |
| Rocket Mortgage, LLC | 74 | $4,075 | 6.750% |
| MOVEMENT MORTGAGE, LLC | 73 | $5,044 | 6.750% |
| NATIONAL BANKSHARES, INC. | 71 | — | — |
| First Heritage Mortgage, LLC | 66 | $4,392 | 6.750% |
| Prosperity Home Mortgage, LLC | 57 | $6,782 | 6.375% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 57 | — | 6.125% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 57 | $4,973 | 6.750% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Montgomery County — not a rule of thumb.
From 1,067 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