Mortgage lending in Washington County
1,070 mortgages were originated in Washington 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
- 1,070
- Median rate
- 6.990%
- Median lender fees
- $4,785
- Median loan amount
- $175,000
- Median spread over APOR
- 0.536
- Paid discount points
- 34.5%
- Received lender credits
- 23.1%
- Purchases / refinances
- 50.4% / 28.5%
- Conventional / FHA / VA
- 78.8% / 11.9% / 7.9%
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 65.1% 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 Washington County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| EASTMAN CREDIT UNION | 180 | $3,219 | 7.375% |
| FIRST BANCORP, INC. | 125 | $4,441 | 7.500% |
| Rocket Mortgage, LLC | 90 | $5,685 | 6.688% |
| THE BANK OF MARION | 90 | — | — |
| UNITED SHORE FINANCIAL SERVICES, LLC | 60 | $7,368 | 6.124% |
What lenders charged here
Lender fees on a $175,000 loan, based on what was actually charged in Washington County — not a rule of thumb.
From 697 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