Mortgage lending in Stafford County
4,608 mortgages were originated in Stafford 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
- 4,608
- Median rate
- 6.490%
- Median lender fees
- $6,296
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
- $405,000
- Above the going rate (spread over APOR)
- 0.090
- Paid discount points
- 41%
- Received lender credits
- 29.2%
- Purchases / refinances
- 45.4% / 35.1%
- Conventional / FHA / VA
- 56.3% / 10.7% / 32.9%
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 79.3% 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 Stafford County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Navy Federal Credit Union | 433 | — | 8.250% |
| Rocket Mortgage, LLC | 394 | $4,020 | 6.625% |
| United Shore Financial Services, LLC | 337 | $8,446 | 5.990% |
| Atlantic Coast Mortgage, LLC | 173 | $8,775 | 6.375% |
| Freedom Mortgage Corporation | 150 | $6,864 | 5.750% |
| Movement Mortgage, LLC | 133 | $9,280 | 6.250% |
| Pennymac Loan Services, LLC | 131 | $5,374 | 6.250% |
| Mortgage Research Center, LLC | 123 | $6,575 | 5.990% |
| CMG Mortgage, Inc. | 110 | $10,565 | 6.000% |
| Guaranteed Rate, Inc. | 102 | $5,544 | 6.200% |
What lenders charged here
Lender fees on a $405,000 loan, based on what was actually charged in Stafford County — not a rule of thumb.
From 3,656 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