Mortgage lending in Suffolk city
3,537 mortgages were originated in Suffolk 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
- 3,537
- Median rate
- 6.490%
- Median lender fees
- $6,658
- Median loan amount
- $315,000
- Median spread over APOR
- 0.117
- Paid discount points
- 48.5%
- Received lender credits
- 31.1%
- Purchases / refinances
- 50.8% / 33%
- Conventional / FHA / VA
- 44.5% / 12.9% / 42.6%
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 80.7% 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 Suffolk city, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Navy Federal Credit Union | 249 | $685 | 7.950% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 232 | $6,515 | 5.874% |
| Rocket Mortgage, LLC | 224 | $5,291 | 6.490% |
| Mortgage Research Center, LLC | 223 | $6,727 | 6.250% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 170 | $8,791 | 6.500% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 166 | $9,032 | 6.250% |
| FREEDOM MORTGAGE CORPORATION | 166 | $6,028 | 6.125% |
| SOUTHERN TRUST MORTGAGE, LLC | 113 | $7,695 | 6.500% |
| Towne Bank | 92 | — | 7.000% |
| PENNYMAC LOAN SERVICES, LLC | 90 | $5,207 | 6.250% |
What lenders charged here
Lender fees on a $315,000 loan, based on what was actually charged in Suffolk city — not a rule of thumb.
From 2,854 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