Mortgage lending in Burke County
1,900 mortgages were originated in Burke County, North Carolina, 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
- 1,900
- Median rate
- 6.500%
- Median lender fees
- $5,143
- Median loan amount
- $185,000
- Median spread over APOR
- 0.135
- Paid discount points
- 33%
- Received lender credits
- 16.2%
- Purchases / refinances
- 48% / 30.9%
- Conventional / FHA / VA
- 74.2% / 16% / 8.2%
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 69.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
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 Burke County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| STATE EMPLOYEES' | 468 | $3,791 | 6.250% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 200 | $8,170 | 6.625% |
| Rocket Mortgage, LLC | 157 | $6,241 | 6.500% |
| First-Citizens Bank & Trust Company | 80 | — | 6.400% |
| Truist Bank | 73 | — | 6.875% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 59 | $8,209 | 6.125% |
What lenders charged here
Lender fees on a $185,000 loan, based on what was actually charged in Burke County — not a rule of thumb.
From 1,314 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