Mortgage lending in Chesterfield County
10,860 mortgages were originated in Chesterfield 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
- 10,860
- Median rate
- 6.500%
- Median lender fees
- $5,529
- Median loan amount
- $295,000
- Median spread over APOR
- 0.280
- Paid discount points
- 43.1%
- Received lender credits
- 28.7%
- Purchases / refinances
- 51.9% / 29%
- Conventional / FHA / VA
- 72.9% / 15.1% / 11.9%
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 77.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $707,250
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 Chesterfield County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 872 | $4,813 | 6.750% |
| Virginia Credit Union, Inc. | 688 | $2,988 | 6.240% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 566 | $9,109 | 6.125% |
| NVR Mortgage Finance, Inc. | 363 | $7,058 | 5.875% |
| Truist Bank | 323 | $5,416 | 6.500% |
| Navy Federal Credit Union | 319 | $2,618 | 7.900% |
| CAPITAL CENTER, L.L.C. | 318 | — | 6.375% |
| PENNYMAC LOAN SERVICES, LLC | 274 | $5,287 | 6.624% |
| C & F Mortgage Corporation | 258 | $5,485 | 6.624% |
| First Heritage Mortgage, LLC | 245 | $6,639 | 6.500% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Chesterfield County — not a rule of thumb.
From 8,385 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