Mortgage lending in Chatham County
2,161 mortgages were originated in Chatham 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
- 2,161
- Median rate
- 6.500%
- Median lender fees
- $4,887
- Median loan amount
- $335,000
- Median spread over APOR
- -0.010
- Paid discount points
- 29.4%
- Received lender credits
- 25.2%
- Purchases / refinances
- 47.8% / 31.5%
- Conventional / FHA / VA
- 87.7% / 5% / 7.2%
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 68% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $634,800
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 Chatham County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| STATE EMPLOYEES' | 301 | $4,622 | 6.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 123 | $7,253 | 6.250% |
| Rocket Mortgage, LLC | 120 | $4,114 | 6.625% |
| Truist Bank | 96 | — | 6.287% |
| First-Citizens Bank & Trust Company | 90 | — | 6.490% |
| The Fidelity Bank | 67 | — | 7.500% |
| COASTAL Federal Credit Union | 60 | — | 7.490% |
| Bank of America, National Association | 50 | — | 6.125% |
What lenders charged here
Lender fees on a $335,000 loan, based on what was actually charged in Chatham County — not a rule of thumb.
From 1,469 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