Mortgage lending in Davidson County
4,799 mortgages were originated in Davidson 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
- 4,799
- Median rate
- 6.500%
- Median lender fees
- $5,554
- Median loan amount
- $205,000
- Median spread over APOR
- 0.177
- Paid discount points
- 38.1%
- Received lender credits
- 18.5%
- Purchases / refinances
- 52.1% / 29.9%
- Conventional / FHA / VA
- 70.3% / 18.7% / 9.9%
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 70.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
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 Davidson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| STATE EMPLOYEES' | 459 | $3,954 | 6.500% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 433 | $8,209 | 6.625% |
| Rocket Mortgage, LLC | 330 | $5,811 | 6.500% |
| First National Bank of Pennsylvania | 256 | — | 6.490% |
| DHI MORTGAGE COMPANY, LTD. | 194 | $6,923 | 4.990% |
| Truist Bank | 177 | — | 6.875% |
| Truliant Federal Credit Union | 175 | — | 7.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 143 | $8,488 | 6.059% |
| MOVEMENT MORTGAGE, LLC | 130 | $4,957 | 6.625% |
| ALLEGACY FEDERAL CREDIT UNION | 113 | — | 5.750% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Davidson County — not a rule of thumb.
From 3,385 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