Mortgage lending in Charlotte-Concord-Gastonia, NC-SC
78,648 mortgages were originated in the Charlotte-Concord-Gastonia, NC-SC area in 2025, and here is what they cost.
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
- 78,648
- Median rate
- 6.500%
- Median lender fees
- $5,399
- Median loan amount
- $285,000
- Median spread over APOR
- 0.146
- Paid discount points
- 38.2%
- Received lender credits
- 24.1%
- Purchases / refinances
- 52.4% / 30.1%
- Conventional / FHA / VA
- 79.9% / 13.1% / 6.8%
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 73% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Charlotte-Concord-Gastonia, NC-SC area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 6,157 | $5,150 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 5,024 | $7,789 | 6.125% |
| STATE EMPLOYEES' | 3,961 | $4,651 | 6.250% |
| MOVEMENT MORTGAGE, LLC | 3,012 | $5,617 | 6.625% |
| Bank of America, National Association | 2,713 | $4,047 | 6.125% |
| Truist Bank | 1,974 | $4,667 | 6.490% |
| First National Bank of Pennsylvania | 1,897 | $4,397 | 6.250% |
| Loandepot.Com, LLC | 1,564 | $9,406 | 5.990% |
| First-Citizens Bank & Trust Company | 1,437 | $3,958 | 6.400% |
| American Security Mortgage Corp. | 1,436 | $4,735 | 6.500% |