Mortgage lending in Norfolk city
5,291 mortgages were originated in Norfolk 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
- 5,291
- Median rate
- 6.500%
- Median lender fees
- $7,121
- Median loan amount
- $275,000
- Median spread over APOR
- 0.094
- Paid discount points
- 45.2%
- Received lender credits
- 30.3%
- Purchases / refinances
- 57% / 29.3%
- Conventional / FHA / VA
- 48.4% / 10.4% / 41.2%
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
- $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 Norfolk city, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 441 | $7,190 | 5.998% |
| Mortgage Research Center, LLC | 383 | $7,196 | 6.250% |
| Navy Federal Credit Union | 371 | $2,367 | 7.750% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 254 | $8,689 | 6.500% |
| Rocket Mortgage, LLC | 230 | $5,292 | 6.625% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 191 | $9,385 | 6.490% |
| FREEDOM MORTGAGE CORPORATION | 182 | $6,045 | 6.250% |
| SOUTHERN TRUST MORTGAGE, LLC | 160 | $8,603 | 6.375% |
| MOVEMENT MORTGAGE, LLC | 147 | $8,570 | 6.375% |
| LANGLEY Federal Credit Union | 126 | — | 6.990% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Norfolk city — not a rule of thumb.
From 4,083 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