Mortgage lending in Durham County
7,684 mortgages were originated in Durham 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
- 7,684
- Median rate
- 6.500%
- Median lender fees
- $4,699
- Median loan amount
- $295,000
- Median spread over APOR
- -0.016
- Paid discount points
- 36.4%
- Received lender credits
- 20.2%
- Purchases / refinances
- 57.4% / 24.8%
- Conventional / FHA / VA
- 86.7% / 8.6% / 4.7%
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 71.4% 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 Durham County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| STATE EMPLOYEES' | 879 | $4,729 | 6.250% |
| Rocket Mortgage, LLC | 462 | $4,435 | 6.625% |
| LENNAR MORTGAGE, LLC | 381 | $1,197 | 5.125% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 294 | $6,697 | 6.344% |
| COASTAL Federal Credit Union | 289 | $2,969 | 7.400% |
| First-Citizens Bank & Trust Company | 239 | $4,417 | 6.250% |
| PULTE MORTGAGE LLC | 237 | $2,670 | 5.250% |
| Truist Bank | 215 | $4,340 | 6.375% |
| CORPORATE INVESTORS MORTGAGE GROUP, INC | 193 | $7,753 | 6.490% |
| MOVEMENT MORTGAGE, LLC | 158 | $4,741 | 6.562% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Durham County — not a rule of thumb.
From 5,486 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