Mortgage lending in Harnett County
5,532 mortgages were originated in Harnett 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
- 5,532
- Median rate
- 6.250%
- Median lender fees
- $6,453
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
- $275,000
- Above the going rate (spread over APOR)
- -0.090
- Paid discount points
- 47.6%
- Received lender credits
- 32.4%
- Purchases / refinances
- 64.2% / 25.4%
- Conventional / FHA / VA
- 48.2% / 18.5% / 32.5%
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 82.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $320,000
- That home, 20% down
- $256,000
A median-priced home with 20% down leaves $576,750 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 Harnett County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| State Employees' | 411 | $4,369 | 6.250% |
| United Shore Financial Services, LLC | 352 | $8,237 | 5.999% |
| Rocket Mortgage, LLC | 270 | $6,167 | 6.375% |
| Freedom Mortgage Corporation | 223 | $5,546 | 6.125% |
| Mortgage Research Center, LLC | 207 | $5,906 | 6.250% |
| Movement Mortgage, LLC | 183 | $7,480 | 6.250% |
| DHI Mortgage Company, Ltd. | 179 | $6,909 | 4.990% |
| Navy Federal Credit Union | 170 | $3,082 | 6.438% |
| Nfm, Inc. | 163 | $8,664 | 6.250% |
| Loandepot.Com, LLC | 142 | $9,660 | 5.750% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Harnett County — not a rule of thumb.
From 4,578 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