Mortgage lending in New Hanover County
6,562 mortgages were originated in New Hanover 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
- 6,562
- Median rate
- 6.500%
- Median lender fees
- $4,879
- Median loan amount
- $285,000
- Median spread over APOR
- 0.103
- Paid discount points
- 28%
- Received lender credits
- 17.7%
- Purchases / refinances
- 49.7% / 28%
- Conventional / FHA / VA
- 86.4% / 6.8% / 6.7%
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 63.6% 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 New Hanover County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| STATE EMPLOYEES' | 611 | $4,719 | 6.250% |
| CORNING CREDIT UNION | 470 | $3,292 | 6.250% |
| Rocket Mortgage, LLC | 421 | $4,793 | 6.750% |
| First-Citizens Bank & Trust Company | 345 | $4,253 | 6.412% |
| Truist Bank | 200 | $4,782 | 6.445% |
| CROSSCOUNTRY MORTGAGE, INC. | 200 | $5,192 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 190 | $7,839 | 6.366% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 186 | $5,918 | 6.624% |
| GUARANTEED RATE, INC. | 150 | $4,855 | 6.625% |
| First National Bank of Pennsylvania | 135 | $4,667 | 6.490% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in New Hanover County — not a rule of thumb.
From 4,172 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