Mortgage lending in Orange County
1,425 mortgages were originated in Orange 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
- 1,425
- Median rate
- 6.500%
- Median lender fees
- $6,510
- Median loan amount
- $305,000
- Median spread over APOR
- 0.253
- Paid discount points
- 46.9%
- Received lender credits
- 26.7%
- Purchases / refinances
- 55% / 27.5%
- Conventional / FHA / VA
- 59.8% / 20.4% / 18.7%
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 77.8% 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 Orange County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 102 | $5,368 | 6.683% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 66 | $7,096 | 6.000% |
| UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 61 | — | — |
| Navy Federal Credit Union | 55 | — | 8.250% |
| NVR Mortgage Finance, Inc. | 52 | $5,891 | 6.058% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Orange County — not a rule of thumb.
From 1,109 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