Mortgage lending in Catawba County
4,897 mortgages were originated in Catawba County, North Carolina, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,897
- Median rate
- 6.500%
- Median lender fees
- $5,405
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $215,000
- Above the going rate (spread over APOR)
- 0.139
- Paid discount points
- 37.8%
- Received lender credits
- 18.6%
- Purchases / refinances
- 55.9% / 27.7%
- Conventional / FHA / VA
- 74.5% / 17.1% / 7.9%
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 68.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $239,000
- That home, 20% down
- $191,200
A median-priced home with 20% down leaves $641,550 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Catawba County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| State Employees' | 530 | $4,335 | 6.150% |
| Rocket Mortgage, LLC | 401 | $5,492 | 6.625% |
| DHI Mortgage Company, Ltd. | 280 | $3,178 | 5.500% |
| Truist Bank | 221 | $4,846 | 6.740% |
| Peoples Bank | 212 | — | 7.250% |
| United Shore Financial Services, LLC | 186 | $8,285 | 6.125% |
| Atlantic Bay Mortgage Group, L.L.C. | 185 | $7,251 | 6.625% |
| First-Citizens Bank & Trust Company | 136 | $3,848 | 6.375% |
| Crosscountry Mortgage, Inc. | 119 | $8,691 | 6.625% |
| Movement Mortgage, LLC | 118 | $5,399 | 6.750% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Catawba County — not a rule of thumb.
From 3,356 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers