Mortgage lending in Pender County
2,534 mortgages were originated in Pender 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
- 2,534
- Median rate
- 6.500%
- Median lender fees
- $5,550
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
- $305,000
- Above the going rate (spread over APOR)
- 0.095
- Paid discount points
- 36.8%
- Received lender credits
- 23.2%
- Purchases / refinances
- 56% / 26.8%
- Conventional / FHA / VA
- 68.7% / 12% / 19.3%
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 74.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $430,000
- That home, 20% down
- $344,000
A median-priced home with 20% down leaves $488,750 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 Pender County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| State Employees' | 190 | $4,704 | 6.250% |
| Rocket Mortgage, LLC | 155 | $5,255 | 6.625% |
| DHI Mortgage Company, Ltd. | 150 | $2,811 | 5.500% |
| Crosscountry Mortgage, Inc. | 122 | $6,613 | 6.625% |
| Corning Credit Union | 121 | — | 6.500% |
| First-Citizens Bank & Trust Company | 92 | — | 6.388% |
| Navy Federal Credit Union | 74 | $2,611 | 6.875% |
| United Shore Financial Services, LLC | 73 | $6,607 | 5.997% |
| Newrez LLC | 65 | $8,698 | 6.250% |
| Freedom Mortgage Corporation | 64 | $5,129 | 5.750% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Pender County — not a rule of thumb.
From 1,879 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