Mortgage lending in Johnston County
7,995 mortgages were originated in Johnston 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
- 7,995
- Median rate
- 6.490%
- Median lender fees
- $5,425
- Median loan amount
- $265,000
- Median spread over APOR
- 0.001
- Paid discount points
- 40.7%
- Received lender credits
- 25.9%
- Purchases / refinances
- 57.5% / 25.7%
- Conventional / FHA / VA
- 69.7% / 17.2% / 12%
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 75.5% 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 Johnston County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| STATE EMPLOYEES' | 1,048 | $4,554 | 6.250% |
| Rocket Mortgage, LLC | 476 | $4,731 | 6.688% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 385 | $8,395 | 5.999% |
| LENNAR MORTGAGE, LLC | 255 | $1,857 | 5.125% |
| COASTAL Federal Credit Union | 246 | $675 | 7.500% |
| Fairway Independent Mortgage Corporation | 240 | $6,793 | 6.375% |
| MOVEMENT MORTGAGE, LLC | 229 | $8,149 | 6.250% |
| First-Citizens Bank & Trust Company | 227 | $3,775 | 6.375% |
| FREEDOM MORTGAGE CORPORATION | 169 | $6,509 | 6.000% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 162 | $9,362 | 6.490% |
What lenders charged here
Lender fees on a $265,000 loan, based on what was actually charged in Johnston County — not a rule of thumb.
From 6,039 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