Chesapeake Bank
Chesapeake Bank received 212 applications in 2025 and made 144 mortgages, in 30 counties across 1 state. The median rate its borrowers got was 7.000% on a median loan of $240,000. Of 191 decisions, 37 were denials — 19.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900YJPIZ3RCMEM452 |
|---|---|
| Applications received | 212 |
| Mortgages made | 144 |
| Denied | 37 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 21 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.589 points |
| FDIC-insured bank | Yes: Chesapeake Bank, 19 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 92 | 6.990% | $285,000 | 18.9% |
| Refinancing | 17 | 6.750% | $195,000 | 5.6% |
| Cash-out refinancing | 10 | 7.058% | $185,000 | 41.2% |
| Other purposes | 25 | 7.500% | $115,000 | 17.7% |
Where Chesapeake Bank lends most
The 30 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Gloucester County, VA | 24 | 7.183% | 16.7% |
| Lancaster County, VA | 23 | 6.875% | 29.4% |
| Mathews County, VA | 18 | 6.875% | 13.6% |
| James City County, VA | 10 | 6.875% | 8.3% |
| Middlesex County, VA | 9 | Under 10 loans | 10.0% |
| Henrico County, VA | 6 | Under 10 loans | 25.0% |
| Northumberland County, VA | 6 | Under 10 loans | 28.6% |
| Norfolk city, VA | 6 | Under 10 loans | 0.0% |
| Richmond city, VA | 6 | Under 10 loans | 12.5% |
| Essex County, VA | 5 | Under 10 loans | 0.0% |
| Newport News city, VA | 5 | Under 10 loans | 16.7% |
| Chesterfield County, VA | 3 | Under 10 loans | 40.0% |
| King William County, VA | 3 | Under 10 loans | 0.0% |
| Charles City County, VA | 2 | Under 10 loans | 33.3% |
| Hanover County, VA | 2 | Under 10 loans | 0.0% |
| New Kent County, VA | 2 | Under 10 loans | 33.3% |
| York County, VA | 2 | Under 10 loans | 0.0% |
| Hampton city, VA | 2 | Under 10 loans | 0.0% |
| Goochland County, VA | 1 | Under 10 loans | 0.0% |
| King and Queen County, VA | 1 | Under 10 loans | 50.0% |
| Northampton County, VA | 1 | Under 10 loans | 0.0% |
| Powhatan County, VA | 1 | Under 10 loans | 0.0% |
| Richmond County, VA | 1 | Under 10 loans | 50.0% |
| Southampton County, VA | 1 | Under 10 loans | 0.0% |
| Surry County, VA | 1 | Under 10 loans | 50.0% |
| Alexandria city, VA | 1 | Under 10 loans | 0.0% |
| Petersburg city, VA | 1 | Under 10 loans | 0.0% |
| Williamsburg city, VA | 1 | Under 10 loans | 0.0% |
| Brunswick County, VA | 0 | Under 10 loans | 100.0% |
| Nelson County, VA | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.