Mortgage lending in Lincoln County
2,925 mortgages were originated in Lincoln 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
- 2,925
- Median rate
- 6.500%
- Median lender fees
- $5,360
- Median loan amount
- $255,000
- Median spread over APOR
- 0.177
- Paid discount points
- 37.3%
- Received lender credits
- 19.9%
- Purchases / refinances
- 51.3% / 29.3%
- Conventional / FHA / VA
- 77.6% / 14.3% / 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 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 Lincoln County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 253 | $5,034 | 6.625% |
| STATE EMPLOYEES' | 216 | $4,552 | 6.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 147 | $7,399 | 6.250% |
| MOVEMENT MORTGAGE, LLC | 92 | $5,172 | 6.625% |
| Peoples Bank | 91 | — | 7.250% |
| DHI MORTGAGE COMPANY, LTD. | 87 | $5,320 | 5.375% |
| First Federal Savings Bank of Lincolnton | 86 | — | — |
| Bank of America, National Association | 85 | — | 5.990% |
| Fifth Third Bank, National Association | 84 | — | 7.250% |
| Truist Bank | 79 | — | 6.750% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Lincoln County — not a rule of thumb.
From 2,027 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