Mortgage lending in Wake County
32,310 mortgages were originated in Wake 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
- 32,310
- Median rate
- 6.490%
- Median lender fees
- $4,733
- Median loan amount
- $315,000
- Median spread over APOR
- -0.018
- Paid discount points
- 31%
- Received lender credits
- 24.8%
- Purchases / refinances
- 53.1% / 28%
- Conventional / FHA / VA
- 87% / 7.7% / 5.1%
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 Wake County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| STATE EMPLOYEES' | 3,417 | $4,749 | 6.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,180 | $7,044 | 6.125% |
| COASTAL Federal Credit Union | 1,659 | $3,085 | 7.400% |
| Rocket Mortgage, LLC | 1,652 | $4,251 | 6.625% |
| First-Citizens Bank & Trust Company | 1,178 | $4,288 | 6.350% |
| LENNAR MORTGAGE, LLC | 1,143 | $1,201 | 5.250% |
| Truist Bank | 856 | $4,551 | 6.340% |
| Bank of America, National Association | 625 | $4,261 | 6.125% |
| MOVEMENT MORTGAGE, LLC | 609 | $4,823 | 6.562% |
| PULTE MORTGAGE LLC | 542 | $1,131 | 5.500% |
What lenders charged here
Lender fees on a $315,000 loan, based on what was actually charged in Wake County — not a rule of thumb.
From 22,864 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