Mortgage lending in Robeson County
1,360 mortgages were originated in Robeson 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
- 1,360
- Median rate
- 6.625%
- Median lender fees
- $5,953
- Median loan amount
- $165,000
- Median spread over APOR
- 0.406
- Paid discount points
- 42%
- Received lender credits
- 22.4%
- Purchases / refinances
- 55.2% / 32.3%
- Conventional / FHA / VA
- 55% / 20.7% / 22.8%
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 71.3% 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 Robeson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| STATE EMPLOYEES' | 152 | — | 6.500% |
| Rocket Mortgage, LLC | 114 | $6,017 | 6.495% |
| Mortgage Research Center, LLC | 65 | $3,618 | 6.500% |
| 21st Mortgage Corporation | 64 | — | 10.475% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 58 | $7,626 | 6.125% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 53 | — | 9.990% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Robeson County — not a rule of thumb.
From 970 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