Mortgage lending in Mecklenburg County
29,329 mortgages were originated in Mecklenburg 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
- 29,329
- Median rate
- 6.500%
- Median lender fees
- $5,188
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
- $315,000
- Above the going rate (spread over APOR)
- 0.083
- Paid discount points
- 35%
- Received lender credits
- 24%
- Purchases / refinances
- 53% / 29.3%
- Conventional / FHA / VA
- 85.6% / 9.5% / 4.9%
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 70.6% 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 Mecklenburg County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 2,065 | $5,116 | 6.625% |
| United Shore Financial Services, LLC | 1,646 | $7,655 | 6.309% |
| Bank of America, National Association | 1,418 | $4,066 | 6.125% |
| State Employees' | 1,165 | $4,855 | 6.500% |
| First National Bank of Pennsylvania | 1,117 | $4,474 | 6.250% |
| Movement Mortgage, LLC | 924 | $5,381 | 6.562% |
| American Security Mortgage Corp. | 804 | $4,673 | 6.500% |
| Truist Bank | 794 | $4,740 | 6.340% |
| Atlantic Bay Mortgage Group, L.L.C. | 760 | $5,584 | 6.624% |
| First-Citizens Bank & Trust Company | 618 | $3,467 | 6.400% |
What lenders charged here
Lender fees on a $315,000 loan, based on what was actually charged in Mecklenburg County — not a rule of thumb.
From 20,693 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