Mortgage lending in Spotsylvania County
4,656 mortgages were originated in Spotsylvania County, Virginia, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,656
- Median rate
- 6.500%
- Median lender fees
- $6,849
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $355,000
- Above the going rate (spread over APOR)
- 0.213
- Paid discount points
- 45.4%
- Received lender credits
- 26.2%
- Purchases / refinances
- 48.7% / 31.6%
- Conventional / FHA / VA
- 60.7% / 16.1% / 23%
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 78.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,249,125
- FHA limit
- $1,249,125
- Median home price
- $1,198,000
- That home, 20% down
- $958,400
A median-priced home with 20% down leaves $290,725 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
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
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Spotsylvania County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 363 | $5,339 | 6.625% |
| Navy Federal Credit Union | 363 | $953 | 8.000% |
| United Shore Financial Services, LLC | 292 | $9,311 | 5.999% |
| NVR Mortgage Finance, Inc. | 250 | $10,283 | 6.125% |
| Movement Mortgage, LLC | 185 | $8,316 | 6.500% |
| Atlantic Coast Mortgage, LLC | 138 | $7,742 | 6.375% |
| Freedom Mortgage Corporation | 122 | $7,837 | 6.000% |
| Virginia Credit Union, Inc. | 115 | — | 6.240% |
| Pennymac Loan Services, LLC | 108 | $5,987 | 5.995% |
| Atlantic Union Bank | 103 | — | 7.500% |
What lenders charged here
Lender fees on a $355,000 loan, based on what was actually charged in Spotsylvania County — not a rule of thumb.
From 3,635 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers