Mortgage lending in Wayne County
2,636 mortgages were originated in Wayne 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
- 2,636
- Median rate
- 6.490%
- Median lender fees
- $6,097
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
- $205,000
- Above the going rate (spread over APOR)
- 0.012
- Paid discount points
- 43.6%
- Received lender credits
- 23.7%
- Purchases / refinances
- 56.6% / 29.8%
- Conventional / FHA / VA
- 52% / 17.6% / 29.6%
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 74.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $193,000
- That home, 20% down
- $154,400
A median-priced home with 20% down leaves $678,350 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 Wayne County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| State Employees' | 349 | $3,911 | 6.250% |
| Rocket Mortgage, LLC | 152 | $5,546 | 6.500% |
| United Shore Financial Services, LLC | 150 | $7,446 | 5.999% |
| Atlantic Bay Mortgage Group, L.L.C. | 134 | $7,743 | 6.490% |
| Mortgage Research Center, LLC | 109 | $5,286 | 6.250% |
| Truist Bank | 87 | — | 7.000% |
| Movement Mortgage, LLC | 86 | $6,668 | 6.500% |
| Lower, LLC | 86 | $7,651 | 6.500% |
| American Security Mortgage Corp. | 71 | $8,501 | 6.250% |
| Freedom Mortgage Corporation | 68 | $4,298 | 5.813% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Wayne County — not a rule of thumb.
From 1,961 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