Mortgage lending in Portsmouth city
3,009 mortgages were originated in Portsmouth 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
- 3,009
- Median rate
- 6.572%
- Median lender fees
- $6,543
- Median loan amount
- $235,000
- Median spread over APOR
- 0.203
- Paid discount points
- 47.7%
- Received lender credits
- 28.4%
- Purchases / refinances
- 58.1% / 29.8%
- Conventional / FHA / VA
- 44% / 18.6% / 37.4%
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 77.1% 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 Portsmouth city, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 218 | $6,566 | 5.985% |
| Mortgage Research Center, LLC | 213 | $6,395 | 6.250% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 195 | $7,329 | 6.500% |
| Navy Federal Credit Union | 174 | $2,145 | 7.750% |
| Rocket Mortgage, LLC | 165 | $5,842 | 6.500% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 123 | $7,383 | 6.500% |
| FREEDOM MORTGAGE CORPORATION | 94 | $4,694 | 6.250% |
| MOVEMENT MORTGAGE, LLC | 91 | $7,647 | 6.625% |
| SOUTHERN TRUST MORTGAGE, LLC | 87 | $7,931 | 6.250% |
| NVR Mortgage Finance, Inc. | 86 | $8,538 | 5.990% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Portsmouth city — not a rule of thumb.
From 2,321 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