Mortgage lending in Craven County
3,084 mortgages were originated in Craven 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
- 3,084
- Median rate
- 6.490%
- Median lender fees
- $5,182
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
- $225,000
- Above the going rate (spread over APOR)
- —
- Paid discount points
- 36.5%
- Received lender credits
- 22.8%
- Purchases / refinances
- 54.1% / 29%
- Conventional / FHA / VA
- 57.8% / 11.1% / 31%
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 74.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $285,000
- That home, 20% down
- $228,000
A median-priced home with 20% down leaves $604,750 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 Craven County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Navy Federal Credit Union | 266 | $2,375 | 6.813% |
| Rocket Mortgage, LLC | 222 | $5,757 | 6.625% |
| State Employees' | 209 | $4,173 | 6.500% |
| Guaranteed Rate, Inc. | 188 | $4,844 | 6.575% |
| First-Citizens Bank & Trust Company | 184 | $4,202 | 6.263% |
| DHI Mortgage Company, Ltd. | 169 | $7,603 | 4.990% |
| Movement Mortgage, LLC | 118 | $6,605 | 6.625% |
| Mortgage Research Center, LLC | 112 | $5,989 | 6.250% |
| United Shore Financial Services, LLC | 109 | $6,686 | 5.625% |
| Atlantic Bay Mortgage Group, L.L.C. | 90 | $7,132 | 6.624% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Craven County — not a rule of thumb.
From 2,309 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