Mortgage lending in Carteret County
2,442 mortgages were originated in Carteret 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
- 2,442
- Median rate
- 6.500%
- Median lender fees
- $4,965
- Median loan amount
- $285,000
- Median spread over APOR
- 0.045
- Paid discount points
- 30.7%
- Received lender credits
- 21.6%
- Purchases / refinances
- 52.6% / 28.3%
- Conventional / FHA / VA
- 80.2% / 5.9% / 13.7%
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 Carteret County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| STATE EMPLOYEES' | 371 | $4,534 | 6.250% |
| First-Citizens Bank & Trust Company | 175 | $4,409 | 6.400% |
| Rocket Mortgage, LLC | 141 | $4,935 | 6.625% |
| Navy Federal Credit Union | 134 | $2,235 | 7.750% |
| Truist Bank | 105 | — | 6.600% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 63 | $7,911 | 6.125% |
| American Security Mortgage Corp. | 58 | $7,322 | 6.375% |
| Southern Bank and Trust Company | 56 | — | 7.000% |
| LOWER, LLC | 54 | $8,370 | 6.625% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Carteret County — not a rule of thumb.
From 1,689 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