Mortgage lending in Dare County
1,806 mortgages were originated in Dare 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
- 1,806
- Median rate
- 6.750%
- Median lender fees
- $5,481
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)
- 0.220
- Paid discount points
- 28.4%
- Received lender credits
- 16.1%
- Purchases / refinances
- 54.8% / 24.9%
- Conventional / FHA / VA
- 92.7% / 3.3% / 4%
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 60.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $718,750
- Median home price
- $625,000
- That home, 20% down
- $500,000
A median-priced home with 20% down leaves $332,750 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 Dare County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| State Employees' | 180 | $4,881 | 6.250% |
| Towne Bank | 144 | $7,739 | 7.000% |
| Southern Bank and Trust Company | 99 | — | 7.250% |
| Rocket Mortgage, LLC | 89 | $6,159 | 6.750% |
| Southern Trust Mortgage, LLC | 89 | $5,007 | 6.625% |
| CMG Mortgage, Inc. | 72 | — | 7.250% |
| Movement Mortgage, LLC | 64 | $7,725 | 6.719% |
| Navy Federal Credit Union | 57 | — | 7.625% |
| Guaranteed Rate, Inc. | 56 | — | 6.800% |
| Atlantic Coast Mortgage, LLC | 54 | — | 6.875% |
What lenders charged here
Lender fees on a $365,000 loan, based on what was actually charged in Dare County — not a rule of thumb.
From 1,092 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