Mortgage lending in Haywood County
1,655 mortgages were originated in Haywood 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
- 1,655
- Median rate
- 6.500%
- Median lender fees
- $5,766
- Median loan amount
- $255,000
- Median spread over APOR
- 0.160
- Paid discount points
- 36.5%
- Received lender credits
- 21.1%
- Purchases / refinances
- 53.6% / 29.2%
- Conventional / FHA / VA
- 78% / 12.7% / 8.9%
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 74.3% 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 Haywood County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| STATE EMPLOYEES' | 161 | $4,879 | 6.150% |
| Rocket Mortgage, LLC | 158 | $5,772 | 6.875% |
| HomeTrust Bank | 108 | $4,676 | 7.000% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 87 | $8,768 | 6.125% |
| DHI MORTGAGE COMPANY, LTD. | 76 | $4,591 | 4.990% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 62 | $5,274 | 6.625% |
| United Community Bank | 61 | — | 6.500% |
| Champion Credit Union | 61 | $6,443 | 5.500% |
| MOVEMENT MORTGAGE, LLC | 52 | — | 6.625% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Haywood County — not a rule of thumb.
From 1,229 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