Mortgage lending in Jackson County
849 mortgages were originated in Jackson 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
- 849
- Median rate
- 6.500%
- Median lender fees
- $6,631
- Median loan amount
- $285,000
- Median spread over APOR
- 0.126
- Paid discount points
- 31.7%
- Received lender credits
- 24%
- Purchases / refinances
- 50.6% / 27.3%
- Conventional / FHA / VA
- 85.6% / 9.2% / 5.1%
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 69.3% 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 Jackson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| STATE EMPLOYEES' | 123 | $4,870 | 6.250% |
| Rocket Mortgage, LLC | 64 | $7,082 | 6.500% |
| United Community Bank | 56 | — | 6.500% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Jackson County — not a rule of thumb.
From 588 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