Mortgage lending in Cabarrus County
7,194 mortgages were originated in Cabarrus 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
- 7,194
- Median rate
- 6.500%
- Median lender fees
- $5,688
- Median loan amount
- $285,000
- Median spread over APOR
- 0.175
- Paid discount points
- 35.2%
- Received lender credits
- 27.2%
- Purchases / refinances
- 47.3% / 35.1%
- Conventional / FHA / VA
- 80.5% / 12.8% / 6.5%
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 73.3% 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 Cabarrus County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 866 | $7,516 | 6.072% |
| STATE EMPLOYEES' | 565 | $4,502 | 6.500% |
| Rocket Mortgage, LLC | 548 | $4,761 | 6.750% |
| MOVEMENT MORTGAGE, LLC | 223 | $5,733 | 6.625% |
| Loandepot.Com, LLC | 179 | $9,977 | 6.375% |
| Fifth Third Bank, National Association | 172 | $1,910 | 7.750% |
| Bank of America, National Association | 167 | — | 6.240% |
| M/I FINANCIAL, LLC | 152 | $15,472 | 6.375% |
| Truist Bank | 136 | $4,579 | 6.388% |
| Truliant Federal Credit Union | 127 | — | 7.500% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Cabarrus County — not a rule of thumb.
From 5,275 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