Mortgage lending in Virginia Beach city
11,925 mortgages were originated in Virginia Beach 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
- 11,925
- Median rate
- 6.625%
- Median lender fees
- $6,301
- Median loan amount
- $275,000
- Median spread over APOR
- 0.218
- Paid discount points
- 40.8%
- Received lender credits
- 22.5%
- Purchases / refinances
- 47.9% / 29.8%
- Conventional / FHA / VA
- 63.8% / 8.5% / 27.7%
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 72.3% 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 Virginia Beach city, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Navy Federal Credit Union | 1,186 | — | 8.000% |
| Rocket Mortgage, LLC | 753 | $4,869 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 748 | $7,198 | 6.124% |
| Mortgage Research Center, LLC | 447 | $6,714 | 6.250% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 436 | $8,909 | 6.500% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 387 | $8,558 | 6.500% |
| Towne Bank | 352 | $7,309 | 7.250% |
| SOUTHERN TRUST MORTGAGE, LLC | 328 | $8,910 | 6.500% |
| LANGLEY Federal Credit Union | 328 | — | 6.990% |
| FREEDOM MORTGAGE CORPORATION | 327 | $7,094 | 6.250% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Virginia Beach city — not a rule of thumb.
From 8,626 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