Mortgage lending in Moore County
3,677 mortgages were originated in Moore 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
- 3,677
- Median rate
- 6.375%
- Median lender fees
- $5,790
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
- $325,000
- Above the going rate (spread over APOR)
- -0.080
- Paid discount points
- 38%
- Received lender credits
- 23.5%
- Purchases / refinances
- 54.9% / 29.1%
- Conventional / FHA / VA
- 59.9% / 6.5% / 33.2%
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 73.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $400,000
- That home, 20% down
- $320,000
A median-priced home with 20% down leaves $512,750 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 Moore County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| State Employees' | 267 | $3,785 | 6.250% |
| Rocket Mortgage, LLC | 218 | $4,865 | 6.750% |
| Nfm, Inc. | 214 | $6,605 | 6.250% |
| First Bank | 172 | — | 7.500% |
| United Shore Financial Services, LLC | 166 | $7,788 | 5.998% |
| DHI Mortgage Company, Ltd. | 164 | $7,239 | 4.990% |
| Movement Mortgage, LLC | 132 | $8,134 | 6.250% |
| First-Citizens Bank & Trust Company | 118 | $5,055 | 6.175% |
| Crosscountry Mortgage, Inc. | 117 | $7,767 | 6.240% |
| GoPrime Mortgage, Inc. | 103 | $5,548 | 6.125% |
What lenders charged here
Lender fees on a $325,000 loan, based on what was actually charged in Moore County — not a rule of thumb.
From 2,701 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