Mortgage lending in Iredell County
6,305 mortgages were originated in Iredell 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
- 6,305
- Median rate
- 6.500%
- Median lender fees
- $5,368
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
- $265,000
- Above the going rate (spread over APOR)
- 0.142
- Paid discount points
- 38%
- Received lender credits
- 23.1%
- Purchases / refinances
- 54.6% / 28%
- Conventional / FHA / VA
- 77.1% / 15.2% / 7.4%
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 73.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $440,000
- That home, 20% down
- $352,000
A median-priced home with 20% down leaves $480,750 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 Iredell County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| State Employees' | 477 | $4,545 | 6.250% |
| Rocket Mortgage, LLC | 451 | $5,730 | 6.625% |
| Movement Mortgage, LLC | 341 | $5,855 | 6.625% |
| United Shore Financial Services, LLC | 321 | $8,129 | 6.125% |
| DHI Mortgage Company, Ltd. | 261 | $380 | 5.500% |
| Bank of America, National Association | 185 | $3,911 | 6.240% |
| Loandepot.Com, LLC | 151 | $9,883 | 5.750% |
| Truist Bank | 144 | $5,336 | 6.490% |
| Atlantic Bay Mortgage Group, L.L.C. | 137 | $9,607 | 6.750% |
| Lennar Mortgage, LLC | 122 | $1,793 | 6.250% |
What lenders charged here
Lender fees on a $265,000 loan, based on what was actually charged in Iredell County — not a rule of thumb.
From 4,623 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