Mortgage lending in Caldwell County
1,896 mortgages were originated in Caldwell 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
- 1,896
- Median rate
- 6.500%
- Median lender fees
- $5,348
- Median loan amount
- $175,000
- Median spread over APOR
- 0.250
- Paid discount points
- 34%
- Received lender credits
- 17.6%
- Purchases / refinances
- 47.1% / 32.6%
- Conventional / FHA / VA
- 73.2% / 17.2% / 7.8%
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 67.8% 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 Caldwell County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| STATE EMPLOYEES' | 364 | $4,177 | 6.250% |
| CROSSCOUNTRY MORTGAGE, INC. | 193 | $7,518 | 6.625% |
| Rocket Mortgage, LLC | 167 | $4,799 | 6.875% |
| First-Citizens Bank & Trust Company | 80 | — | 6.490% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | $8,372 | 6.625% |
| Truist Bank | 73 | — | 6.700% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 53 | $10,253 | 5.875% |
What lenders charged here
Lender fees on a $175,000 loan, based on what was actually charged in Caldwell County — not a rule of thumb.
From 1,286 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