Mortgage lending in York County
1,849 mortgages were originated in York 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
- 1,849
- Median rate
- 6.490%
- Median lender fees
- $5,943
- Median loan amount
- $285,000
- Median spread over APOR
- 0.150
- Paid discount points
- 40.3%
- Received lender credits
- 21.6%
- Purchases / refinances
- 47.5% / 27.8%
- Conventional / FHA / VA
- 64.1% / 7.3% / 28.5%
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 69.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $757,850
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 York County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| LANGLEY Federal Credit Union | 243 | — | 6.990% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 103 | $9,196 | 6.250% |
| Rocket Mortgage, LLC | 102 | $5,287 | 6.563% |
| Navy Federal Credit Union | 95 | $2,392 | 7.650% |
| NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | 90 | — | 7.120% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 79 | $8,855 | 5.938% |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | 76 | — | 5.990% |
| NVR Mortgage Finance, Inc. | 61 | $3,644 | 5.875% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 57 | $9,133 | 6.250% |
| Towne Bank | 55 | — | 6.990% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in York County — not a rule of thumb.
From 1,285 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