Mortgage lending in Orange County
2,897 mortgages were originated in Orange 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
- 2,897
- Median rate
- 6.500%
- Median lender fees
- $4,915
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
- $295,000
- Above the going rate (spread over APOR)
- -0.055
- Paid discount points
- 26.8%
- Received lender credits
- 19.5%
- Purchases / refinances
- 47% / 28.2%
- Conventional / FHA / VA
- 91.1% / 5.3% / 3.6%
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 61.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $634,800
- Median home price
- $552,000
- That home, 20% down
- $441,600
A median-priced home with 20% down leaves $391,150 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 Orange County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| State Employees' | 620 | $4,644 | 6.250% |
| Rocket Mortgage, LLC | 153 | $4,547 | 6.500% |
| Truist Bank | 127 | — | 6.240% |
| Corporate Investors Mortgage Group, Inc | 124 | $7,950 | 6.500% |
| First National Bank of Pennsylvania | 101 | $5,499 | 6.490% |
| First-Citizens Bank & Trust Company | 100 | — | 6.213% |
| United Shore Financial Services, LLC | 93 | $7,115 | 6.125% |
| COASTAL Federal Credit Union | 91 | — | 7.400% |
| Bank of America, National Association | 72 | — | 6.120% |
| Loandepot.Com, LLC | 70 | — | 5.563% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Orange County — not a rule of thumb.
From 1,786 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