Mortgage lending in Onslow County
7,087 mortgages were originated in Onslow 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
- 7,087
- Median rate
- 6.250%
- Median lender fees
- $6,181
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
- $255,000
- Above the going rate (spread over APOR)
- -0.115
- Paid discount points
- 41.1%
- Received lender credits
- 30.5%
- Purchases / refinances
- 57.7% / 31.7%
- Conventional / FHA / VA
- 33.7% / 7.8% / 58.2%
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 84.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $270,000
- That home, 20% down
- $216,000
A median-priced home with 20% down leaves $616,750 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 Onslow County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Navy Federal Credit Union | 764 | $3,027 | 6.250% |
| Mortgage Research Center, LLC | 563 | $6,218 | 6.250% |
| Newrez LLC | 468 | $7,550 | 6.250% |
| Freedom Mortgage Corporation | 429 | $4,589 | 6.125% |
| United Shore Financial Services, LLC | 394 | $5,953 | 5.749% |
| Rocket Mortgage, LLC | 360 | $5,216 | 6.375% |
| Movement Mortgage, LLC | 351 | $6,508 | 6.625% |
| Guild Mortgage Company | 322 | $7,121 | 6.250% |
| Integrity Home Mortgage Corporation | 196 | $6,389 | 6.625% |
| State Employees' | 163 | $4,312 | 6.250% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Onslow County — not a rule of thumb.
From 6,004 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