Mortgage lending in Union County
8,298 mortgages were originated in Union 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
- 8,298
- Median rate
- 6.500%
- Median lender fees
- $5,504
- Median loan amount
- $315,000
- Median spread over APOR
- 0.125
- Paid discount points
- 36.2%
- Received lender credits
- 25.6%
- Purchases / refinances
- 48% / 32.2%
- Conventional / FHA / VA
- 83.4% / 11.1% / 5.4%
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 70.8% 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 Union County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 635 | $4,300 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 567 | $7,700 | 6.125% |
| STATE EMPLOYEES' | 418 | $4,721 | 6.500% |
| MOVEMENT MORTGAGE, LLC | 374 | $5,399 | 6.562% |
| Truist Bank | 321 | $4,492 | 6.625% |
| Bank of America, National Association | 318 | $4,754 | 6.240% |
| First-Citizens Bank & Trust Company | 225 | $4,044 | 6.300% |
| Fifth Third Bank, National Association | 220 | $2,734 | 7.495% |
| First National Bank of Pennsylvania | 182 | $4,599 | 6.375% |
| NVR Mortgage Finance, Inc. | 138 | $7,266 | 6.125% |
What lenders charged here
Lender fees on a $315,000 loan, based on what was actually charged in Union County — not a rule of thumb.
From 5,873 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