Mortgage lending in Hampton city
3,799 mortgages were originated in Hampton city, Virginia, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,799
- Median rate
- 6.599%
- Median lender fees
- $6,327
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $235,000
- Above the going rate (spread over APOR)
- 0.217
- Paid discount points
- 45.8%
- Received lender credits
- 28.1%
- Purchases / refinances
- 49.9% / 32.4%
- Conventional / FHA / VA
- 49% / 14% / 37%
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 74.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $757,850
- Median home price
- $630,000
- That home, 20% down
- $504,000
A median-priced home with 20% down leaves $328,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Hampton city, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| LANGLEY Federal Credit Union | 340 | — | 6.990% |
| Mortgage Research Center, LLC | 269 | $6,125 | 6.250% |
| United Shore Financial Services, LLC | 268 | $6,149 | 5.999% |
| Rocket Mortgage, LLC | 239 | $5,458 | 6.250% |
| American Neighborhood Mortgage Acceptance Company LLC | 218 | $8,385 | 6.500% |
| Navy Federal Credit Union | 174 | $2,215 | 7.750% |
| Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union | 173 | — | 7.490% |
| Atlantic Bay Mortgage Group, L.L.C. | 153 | $7,580 | 6.500% |
| Movement Mortgage, LLC | 123 | $7,154 | 6.750% |
| Freedom Mortgage Corporation | 113 | $4,719 | 6.250% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Hampton city — not a rule of thumb.
From 2,817 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers