Mortgage lending in Prince William County
10,738 mortgages were originated in Prince William 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
- 10,738
- Median rate
- 6.617%
- Median lender fees
- $6,013
- Median loan amount
- $395,000
- Median spread over APOR
- 0.190
- Paid discount points
- 36.7%
- Received lender credits
- 29.1%
- Purchases / refinances
- 47.4% / 31.5%
- Conventional / FHA / VA
- 73.2% / 9.5% / 17.3%
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 74.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,249,125
- FHA limit
- $1,249,125
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
Who lent here
Lenders with at least 50 loans in Prince William County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 921 | $4,360 | 6.625% |
| Navy Federal Credit Union | 887 | — | 8.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 626 | $8,877 | 6.125% |
| Truist Bank | 348 | $5,531 | 6.375% |
| First Heritage Mortgage, LLC | 312 | $12,863 | 6.250% |
| Atlantic Coast Mortgage, LLC | 302 | $7,171 | 6.490% |
| PENNYMAC LOAN SERVICES, LLC | 278 | $4,483 | 6.995% |
| CMG MORTGAGE, INC. | 216 | $7,947 | 6.188% |
| FREEDOM MORTGAGE CORPORATION | 212 | $8,363 | 5.813% |
| Apple Federal Credit Union | 211 | — | 7.490% |
What lenders charged here
Lender fees on a $395,000 loan, based on what was actually charged in Prince William County — not a rule of thumb.
From 8,038 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