Mortgage lending in Rutherford County
1,345 mortgages were originated in Rutherford 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
- 1,345
- Median rate
- 6.575%
- Median lender fees
- $5,704
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
- $185,000
- Above the going rate (spread over APOR)
- 0.302
- Paid discount points
- 37.9%
- Received lender credits
- 16.7%
- Purchases / refinances
- 50.4% / 31.7%
- Conventional / FHA / VA
- 73.1% / 18.1% / 8.2%
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 71.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $225,000
- That home, 20% down
- $180,000
A median-priced home with 20% down leaves $652,750 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 Rutherford County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| State Employees' | 198 | $3,993 | 6.250% |
| Rocket Mortgage, LLC | 123 | $5,777 | 6.625% |
| Movement Mortgage, LLC | 102 | $5,629 | 6.750% |
| Atlantic Bay Mortgage Group, L.L.C. | 86 | $8,447 | 6.625% |
| United Shore Financial Services, LLC | 51 | — | 6.044% |
What lenders charged here
Lender fees on a $185,000 loan, based on what was actually charged in Rutherford County — not a rule of thumb.
From 956 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