Mortgage lending in Shenandoah County
1,252 mortgages were originated in Shenandoah 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
- 1,252
- Median rate
- 6.750%
- Median lender fees
- $6,081
- Median loan amount
- $235,000
- Median spread over APOR
- 0.384
- Paid discount points
- 43.7%
- Received lender credits
- 21%
- Purchases / refinances
- 50.2% / 31.2%
- Conventional / FHA / VA
- 73% / 16.1% / 8.9%
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 71.7% 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 Shenandoah County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 110 | $8,977 | 6.750% |
| Rocket Mortgage, LLC | 108 | $4,621 | 6.625% |
| DuPont Community Federally Insured State-Chartered Credit Union | 92 | — | 7.250% |
| FIRST BANK | 66 | — | — |
| Navy Federal Credit Union | 54 | — | 7.188% |
| Integrity Home Mortgage Corporation | 52 | $7,897 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 50 | — | 6.250% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Shenandoah County — not a rule of thumb.
From 898 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