Mortgage lending in Virginia Beach-Chesapeake-Norfolk, VA-NC
48,971 mortgages were originated in the Virginia Beach-Chesapeake-Norfolk, VA-NC area in 2025, and here is what they cost.
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
- 48,971
- Median rate
- 6.500%
- Median lender fees
- $6,462
- Median loan amount
- $275,000
- Median spread over APOR
- 0.188
- Paid discount points
- 43.7%
- Received lender credits
- 25.7%
- Purchases / refinances
- 50.1% / 30.5%
- Conventional / FHA / VA
- 56.3% / 11.1% / 32.5%
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 74.5% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Virginia Beach-Chesapeake-Norfolk, VA-NC area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Navy Federal Credit Union | 3,588 | $1,587 | 7.900% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3,042 | $7,174 | 5.999% |
| Rocket Mortgage, LLC | 2,920 | $5,174 | 6.625% |
| Mortgage Research Center, LLC | 2,369 | $6,604 | 6.250% |
| LANGLEY Federal Credit Union | 2,196 | $3,801 | 6.990% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2,119 | $8,500 | 6.500% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 1,930 | $8,557 | 6.490% |
| FREEDOM MORTGAGE CORPORATION | 1,467 | $6,179 | 6.250% |
| MOVEMENT MORTGAGE, LLC | 1,450 | $7,646 | 6.562% |
| NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | 1,429 | $3,924 | 7.490% |