Mortgage lending in Chesapeake city
7,635 mortgages were originated in Chesapeake city, 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
- 7,635
- Median rate
- 6.500%
- Median lender fees
- $6,634
- Median loan amount
- $295,000
- Median spread over APOR
- 0.160
- Paid discount points
- 44.8%
- Received lender credits
- 26.6%
- Purchases / refinances
- 47.6% / 32.3%
- Conventional / FHA / VA
- 53.9% / 10.3% / 35.7%
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 77.5% 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 Chesapeake city, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Navy Federal Credit Union | 753 | $690 | 7.950% |
| Rocket Mortgage, LLC | 494 | $4,837 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 486 | $7,679 | 5.966% |
| Mortgage Research Center, LLC | 390 | $6,791 | 6.250% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 377 | $8,843 | 6.500% |
| FREEDOM MORTGAGE CORPORATION | 281 | $6,984 | 6.250% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 267 | $9,135 | 6.490% |
| MOVEMENT MORTGAGE, LLC | 220 | $7,866 | 6.562% |
| NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | 197 | — | 7.500% |
| LANGLEY Federal Credit Union | 193 | — | 7.125% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Chesapeake city — not a rule of thumb.
From 5,920 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