What people paid for mortgages in James City County, VA (2025)
Across 998 closed home-purchase loans in 2025, the median interest rate in James City was 6.375%, and the middle half of borrowers got between 6% and 6.75%. Median total loan costs ran $6,103 on a median loan of $395,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.375%
- Middle half of rates
- 6%–6.75%
- Median total loan costs
- $6,103
- Median loan amount
- $395,000
998 loans, 2025.
Refinance
- Median rate
- 5.99%
- Middle half of rates
- 5.624%–6.49%
- Median total loan costs
- $6,325
- Median loan amount
- $365,000
401 loans, 2025.
Lowest median rates in James City (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.MOVEMENT MORTGAGE, LLC6.25%51 loans, median costs $8,089
- 2.Towne Mortgage, LLC6.25%40 loans, median costs $9,483
- 3.Rocket Mortgage, LLC6.25%30 loans, median costs $6,251
- 4.Prosperity Home Mortgage, LLC6.375%80 loans, median costs $4,913
- 5.LENNAR MORTGAGE, LLC6.375%51 loans, median costs $4,924
Among lenders with at least 30 closed purchase loans in James City County in 2025.
Refinance
- 1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.625%48 loans, median costs $7,998
- 2.Rocket Mortgage, LLC5.99%56 loans, median costs $6,308
- 3.FREEDOM MORTGAGE CORPORATION6.062%34 loans, median costs $5,895
Among lenders with at least 30 closed refinance loans in James City County in 2025.
Lender by lender in James City
Every lender that closed at least 5 qualifying loans in James City County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 94 | 6.624% | $9,076 | $4,679 | $4,189 |
| 2 | Prosperity Home Mortgage, LLC | 80 | 6.375% | $4,913 | $1,575 | $750 |
| 3 | MOVEMENT MORTGAGE, LLC | 51 | 6.25% | $8,089 | $3,995 | $3,707 |
| 4 | LENNAR MORTGAGE, LLC | 51 | 6.375% | $4,924 | $1,825 | $4,310 |
| 5 | Towne Mortgage, LLC | 40 | 6.25% | $9,483 | $5,280 | $3,903 |
| 6 | Ameris Bank | 36 | 6.375% | $6,291 | $2,372 | $2,125 |
| 7 | Towne Bank | 33 | 6.875% | $5,553 | $2,301 | $2,110 |
| 8 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 31 | 6.75% | $8,633 | $2,400 | $4,428 |
| 9 | Rocket Mortgage, LLC | 30 | 6.25% | $6,251 | $3,803 | $4,050 |
| 10 | Navy Federal Credit Union | 24 | 6.125% | $3,683 | $0 | $2,539 |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 23 | 6.125% | $9,554 | $3,875 | $2,099 |
| 12 | Mortgage Research Center, LLC | 21 | 6.25% | $5,825 | $0 | $1,631 |
| 13 | NVR Mortgage Finance, Inc. | 21 | 6.125% | $2,199 | $1,994 | $10,402 |
| 14 | Alcova Mortgage LLC | 21 | 6.5% | $7,355 | $3,530 | $1,988 |
| 15 | C & F Mortgage Corporation | 18 | 6.5% | $7,214 | $2,093 | $3,325 |
| 16 | NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | 17 | 5.375% | $4,054 | $995 | n/a |
| 17 | Fulton Bank, National Association | 17 | 6.625% | $7,759 | $1,999 | $1,022 |
| 18 | CMG MORTGAGE, INC. | 16 | 6.062% | $5,364 | $1,781 | $1,162 |
| 19 | CALCON MUTUAL MORTGAGE LLC | 16 | 6.562% | $5,653 | $1,845 | $1,594 |
| 20 | GoPrime Mortgage, Inc. | 11 | 6.125% | $10,163 | $895 | $925 |
| 21 | Truist Bank | 11 | 6.125% | $5,464 | $1,844 | $790 |
| 22 | LANGLEY Federal Credit Union | 10 | 6.438% | $4,374 | $1,500 | $1,500 |
| 23 | Bank of America, National Association | 10 | 6.375% | $3,774 | $1,538 | $3,315 |
| 24 | Wells Fargo Bank, National Association | 10 | 6.562% | $4,286 | $1,463 | $1,500 |
| 25 | PENNYMAC LOAN SERVICES, LLC | 10 | 5.5% | $9,198 | $2,933 | $2,412 |
| 26 | Advance Financial Group, LLC | 9 | 6.75% | $5,648 | $4,012 | $2,670 |
| 27 | USAA Federal Savings Bank | 9 | 6.625% | $5,309 | $989 | $1,584 |
| 28 | CAPITAL CENTER, L.L.C. | 8 | 6.125% | $0 | $0 | $6,094 |
| 29 | GUILD MORTGAGE COMPANY | 8 | 6.625% | $7,976 | $1,871 | $2,359 |
| 30 | JPMorgan Chase Bank, National Association | 8 | 6.125% | $3,837 | $1,674 | $992 |
| 31 | INTERCOASTAL MORTGAGE, LLC | 7 | 6.625% | $5,794 | $1,750 | $1,384 |
| 32 | CROSSCOUNTRY MORTGAGE, INC. | 7 | 6.5% | $5,451 | $2,629 | $2,540 |
| 33 | Chesapeake Bank | 6 | 6.5% | $3,387 | $1,250 | $1,750 |
| 34 | ZILLOW HOME LOANS, LLC | 6 | 6.688% | $6,840 | $3,237 | $3,351 |
| 35 | Presidential Bank, FSB | 6 | 6.438% | $12,077 | $5,367 | $4,298 |
| 36 | EMM LOANS LLC | 6 | 6.5% | $12,984 | $1,149 | $1,149 |
| 37 | Morgan Stanley Private Bank, National Association | 6 | 5.875% | $4,740 | $815 | n/a |
| 38 | Premia Mortgage, LLC DBA Premia Relocation Mortgage | 6 | 5.775% | $193 | $0 | $4,698 |
| 39 | FIRST COMMUNITY MORTGAGE, INC. | 6 | 6.375% | $5,082 | $1,904 | $1,112 |
| 40 | GUARANTEED RATE, INC. | 6 | 6.825% | $5,176 | $1,640 | $6,030 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the James City figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in James City County in 2025?
The median interest rate on closed home-purchase loans in James City County, Virginia in 2025 was 6.375%, across 998 first-lien, owner-occupied loans. The middle half of borrowers got between 6% and 6.75%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.