What people paid for mortgages in York County, VA (2025)

Across 788 closed home-purchase loans in 2025, the median interest rate in York was 6.25%, and the middle half of borrowers got between 5.875% and 6.625%. Median total loan costs ran $7,308 on a median loan of $405,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.25%
Middle half of rates: 5.875%–6.625%
Median total loan costs: $7,308
Median loan amount: $405,000

788 loans, 2025.

Refinance

Median rate: 5.875%
Middle half of rates: 5.5%–6.375%
Median total loan costs: $6,004
Median loan amount: $355,000

359 loans, 2025.

Lowest median rates in York (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.NVR Mortgage Finance, Inc.5.875%60 loans, median costs $3,440
2.Mortgage Research Center, LLC6.125%49 loans, median costs $7,546
3.ATLANTIC BAY MORTGAGE GROUP, L.L.C.6.25%87 loans, median costs $9,735
4.AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC6.25%47 loans, median costs $8,683
5.Navy Federal Credit Union6.25%36 loans, median costs $3,787

Among lenders with at least 30 closed purchase loans in York County in 2025.

Refinance

1.LANGLEY Federal Credit Union4.99%27 loans, median costs $3,913
2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.625%52 loans, median costs $8,461
3.PENNYMAC LOAN SERVICES, LLC5.625%25 loans, median costs $6,588
4.Rocket Mortgage, LLC5.99%44 loans, median costs $6,478
5.FREEDOM MORTGAGE CORPORATION6%27 loans, median costs $5,234

Among lenders with at least 10 closed refinance loans in York County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.

Lender by lender in York

Every lender that closed at least 5 qualifying loans in York 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.	87	6.25%	$9,735	$4,167	$3,439
2	NVR Mortgage Finance, Inc.	60	5.875%	$3,440	$2,496	$12,338
3	Mortgage Research Center, LLC	49	6.125%	$7,546	$0	$1,436
4	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	47	6.25%	$8,683	$2,793	$3,903
5	Navy Federal Credit Union	36	6.25%	$3,787	$0	$3,726
6	MOVEMENT MORTGAGE, LLC	31	6.5%	$8,730	$2,894	$2,734
7	Prosperity Home Mortgage, LLC	28	6.124%	$8,616	$932	$1,011
8	Towne Bank	26	6.875%	$6,366	$3,313	$2,886
9	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	23	6.499%	$10,354	$1,477	$2,834
10	Ameris Bank	23	6.125%	$7,154	$3,650	$3,125
11	CALCON MUTUAL MORTGAGE LLC	22	6.5%	$5,585	$2,100	$965
12	Rocket Mortgage, LLC	21	6.375%	$7,459	$2,500	$3,380
13	NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION	20	5.75%	$4,201	$995	n/a
14	CMG MORTGAGE, INC.	12	5.875%	$9,339	$1,223	$2,193
15	GUILD MORTGAGE COMPANY	11	6.375%	$13,400	$1,373	$847
16	LANGLEY Federal Credit Union	11	6.375%	$3,964	$1,500	$981
17	DHI MORTGAGE COMPANY, LTD.	10	4.99%	$16,143	$0	$1,661
18	Truist Bank	10	6.2%	$5,080	$1,521	$504
19	C & F Mortgage Corporation	9	6.5%	$8,357	$4,055	$2,906
20	T2 FINANCIAL LLC	9	6.25%	$11,192	$1,903	$557
21	USAA Federal Savings Bank	8	6.125%	$9,389	$1,069	$740
22	Fulton Bank, National Association	8	6.562%	$7,341	$1,999	$2,250
23	PENNYMAC LOAN SERVICES, LLC	8	5.938%	$11,018	$5,518	$3,900
24	EMM LOANS LLC	7	6.25%	$8,998	$3,383	$6,020
25	SOUTHERN TRUST MORTGAGE, LLC	7	6.5%	$11,115	$2,321	$4,849
26	North American Savings Bank, F.S.B.	7	5.99%	$11,879	$879	$4,438
27	FREEDOM MORTGAGE CORPORATION	7	5.5%	$10,906	$704	$8,234
28	Towne Mortgage, LLC	7	6.25%	$7,902	$4,145	$2,500
29	CROSSCOUNTRY MORTGAGE, INC.	7	6.625%	$6,647	$2,590	$1,663
30	The Federal Savings Bank	6	6.5%	$5,533	$2,015	$1,786
31	First Heritage Mortgage, LLC	6	6.053%	$8,055	$2,935	$4,240
32	CAPITAL CENTER, L.L.C.	5	6.75%	$0	$0	n/a
33	VANDERBILT MORTGAGE AND FINANCE, INC.	5	11.5%	n/a	n/a	n/a
34	1ST ADVANTAGE FEDERAL CREDIT UNION	5	6.375%	$5,629	$1,895	$2,138
35	Advance Financial Group, LLC	5	6.49%	$6,371	$2,020	$2,200
36	JPMorgan Chase Bank, National Association	5	6.375%	$2,864	$832	$807
37	Bank of America, National Association	5	6.375%	$3,432	$1,290	$406
38	Wells Fargo Bank, National Association	5	6.375%	$2,428	$1,463	$588

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.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

Request quotes on LendingTree

What happens after you submit

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Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the York figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in York County in 2025?

The median interest rate on closed home-purchase loans in York County, Virginia in 2025 was 6.25%, across 788 first-lien, owner-occupied loans. The middle half of borrowers got between 5.875% and 6.625%.

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.