Mortgage lending in Rockingham County
1,868 mortgages were originated in Rockingham 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
- 1,868
- Median rate
- 6.750%
- Median lender fees
- $5,609
- Median loan amount
- $245,000
- Median spread over APOR
- 0.255
- Paid discount points
- 38.8%
- Received lender credits
- 21.6%
- Purchases / refinances
- 51.7% / 30.1%
- Conventional / FHA / VA
- 81.2% / 12.2% / 5.2%
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 66.8% 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 Rockingham County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| DuPont Community Federally Insured State-Chartered Credit Union | 219 | — | 7.000% |
| F & M BANK CORP. | 137 | $4,512 | 6.500% |
| Rocket Mortgage, LLC | 110 | $4,551 | 6.875% |
| Truist Bank | 103 | — | 6.400% |
| Integrity Home Mortgage Corporation | 99 | $7,122 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 81 | $8,708 | 5.999% |
| PARK VIEW FEDERAL CREDIT UNION | 71 | — | 7.000% |
| NVR Mortgage Finance, Inc. | 71 | $7,642 | 6.125% |
| MOVEMENT MORTGAGE, LLC | 64 | $5,885 | 6.906% |
| United Bank | 62 | — | 6.375% |
What lenders charged here
Lender fees on a $245,000 loan, based on what was actually charged in Rockingham County — not a rule of thumb.
From 1,247 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