Mortgage lending in Currituck County
1,445 mortgages were originated in Currituck 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
- 1,445
- Median rate
- 6.625%
- Median lender fees
- $6,760
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
- $365,000
- Above the going rate (spread over APOR)
- 0.191
- Paid discount points
- 42.1%
- Received lender credits
- 23.5%
- Purchases / refinances
- 51.8% / 30.2%
- Conventional / FHA / VA
- 65.7% / 9.4% / 24.6%
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% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $757,850
- Median home price
- $630,000
- That home, 20% down
- $504,000
A median-priced home with 20% down leaves $328,750 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 Currituck County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Navy Federal Credit Union | 107 | — | 8.150% |
| NVR Mortgage Finance, Inc. | 95 | $10,162 | 6.125% |
| Rocket Mortgage, LLC | 77 | $5,554 | 6.500% |
| Towne Bank | 66 | — | 7.125% |
| United Shore Financial Services, LLC | 56 | — | 5.995% |
| Atlantic Coast Mortgage, LLC | 55 | — | 6.490% |
| State Employees' | 53 | — | 6.150% |
What lenders charged here
Lender fees on a $365,000 loan, based on what was actually charged in Currituck County — not a rule of thumb.
From 1,069 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