Mortgage lending in Hoke County
2,212 mortgages were originated in Hoke 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
- 2,212
- Median rate
- 6.240%
- Median lender fees
- $7,077
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
- $285,000
- Above the going rate (spread over APOR)
- -0.252
- Paid discount points
- 48.6%
- Received lender credits
- 37.1%
- Purchases / refinances
- 55.3% / 37%
- Conventional / FHA / VA
- 25% / 9.4% / 65%
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 86.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $270,000
- That home, 20% down
- $216,000
A median-priced home with 20% down leaves $616,750 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 Hoke County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Mortgage Research Center, LLC | 188 | $6,872 | 6.250% |
| United Shore Financial Services, LLC | 185 | $5,962 | 5.740% |
| Jet Homeloans, LP | 164 | $10,239 | 4.990% |
| Freedom Mortgage Corporation | 144 | $4,868 | 6.000% |
| Rocket Mortgage, LLC | 123 | $6,093 | 6.250% |
| Navy Federal Credit Union | 105 | $3,301 | 6.375% |
| Movement Mortgage, LLC | 89 | $7,916 | 6.250% |
| Crosscountry Mortgage, Inc. | 73 | $6,521 | 6.240% |
| Pennymac Loan Services, LLC | 59 | $5,683 | 5.625% |
| Lima One Capital, LLC | 52 | — | 10.700% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Hoke County — not a rule of thumb.
From 1,909 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