Mortgage lending in Stokes County
1,200 mortgages were originated in Stokes 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
- 1,200
- Median rate
- 6.500%
- Median lender fees
- $5,965
- Median loan amount
- $175,000
- Median spread over APOR
- 0.140
- Paid discount points
- 41%
- Received lender credits
- 19.2%
- Purchases / refinances
- 49.4% / 29.5%
- Conventional / FHA / VA
- 70.9% / 19.1% / 8.9%
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 69.8% 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 Stokes County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| ALLEGACY FEDERAL CREDIT UNION | 125 | — | 5.750% |
| STATE EMPLOYEES' | 81 | — | 6.250% |
| Rocket Mortgage, LLC | 80 | $5,262 | 6.990% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 63 | $8,005 | 6.875% |
| Fairway Independent Mortgage Corporation | 52 | — | — |
What lenders charged here
Lender fees on a $175,000 loan, based on what was actually charged in Stokes County — not a rule of thumb.
From 838 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