Mortgage lending in Guilford County
11,525 mortgages were originated in Guilford 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
- 11,525
- Median rate
- 6.500%
- Median lender fees
- $5,125
- Median loan amount
- $205,000
- Median spread over APOR
- 0.153
- Paid discount points
- 34.4%
- Received lender credits
- 17.6%
- Purchases / refinances
- 51.4% / 29%
- Conventional / FHA / VA
- 78.9% / 13.3% / 7.6%
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 66.6% 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 Guilford County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| STATE EMPLOYEES' | 1,237 | $4,374 | 6.250% |
| Rocket Mortgage, LLC | 798 | $5,252 | 6.750% |
| Truliant Federal Credit Union | 588 | — | 7.250% |
| Truist Bank | 444 | $4,697 | 6.600% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 423 | $7,192 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 403 | $7,635 | 6.125% |
| MOVEMENT MORTGAGE, LLC | 387 | $5,816 | 6.750% |
| First National Bank of Pennsylvania | 266 | $3,800 | 6.375% |
| DHI MORTGAGE COMPANY, LTD. | 253 | $6,682 | 4.990% |
| First-Citizens Bank & Trust Company | 243 | $3,665 | 6.250% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Guilford County — not a rule of thumb.
From 7,670 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