Mortgage lending in Newport News city
3,898 mortgages were originated in Newport News 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
- 3,898
- Median rate
- 6.500%
- Median lender fees
- $6,419
- Median loan amount
- $235,000
- Median spread over APOR
- 0.220
- Paid discount points
- 44.4%
- Received lender credits
- 26.3%
- Purchases / refinances
- 49.8% / 31.2%
- Conventional / FHA / VA
- 54.3% / 14.6% / 31%
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 71.9% 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 Newport News city, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| LANGLEY Federal Credit Union | 347 | $3,364 | 6.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 245 | $6,917 | 5.999% |
| Mortgage Research Center, LLC | 221 | $5,887 | 6.250% |
| Rocket Mortgage, LLC | 213 | $5,435 | 6.750% |
| NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | 210 | $3,593 | 7.000% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 198 | $8,014 | 6.433% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 181 | $7,667 | 6.625% |
| MOVEMENT MORTGAGE, LLC | 170 | $7,516 | 6.531% |
| Navy Federal Credit Union | 169 | $2,627 | 7.500% |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | 124 | — | 6.700% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Newport News city — not a rule of thumb.
From 2,803 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