Mortgage lending in Durham-Chapel Hill, NC
13,677 mortgages were originated in the Durham-Chapel Hill, NC 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
- 13,677
- Median rate
- 6.500%
- Median lender fees
- $4,804
- Median loan amount
- $285,000
- Median spread over APOR
- -0.008
- Paid discount points
- 33.3%
- Received lender credits
- 20.7%
- Purchases / refinances
- 53.1% / 27.2%
- Conventional / FHA / VA
- 86.8% / 8% / 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 68.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Durham-Chapel Hill, NC area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| STATE EMPLOYEES' | 1,962 | $4,645 | 6.250% |
| Rocket Mortgage, LLC | 816 | $4,696 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 549 | $6,850 | 6.250% |
| Truist Bank | 469 | $4,589 | 6.340% |
| COASTAL Federal Credit Union | 452 | $3,245 | 7.400% |
| First-Citizens Bank & Trust Company | 433 | $4,531 | 6.250% |
| LENNAR MORTGAGE, LLC | 381 | $1,197 | 5.125% |
| CORPORATE INVESTORS MORTGAGE GROUP, INC | 364 | $7,785 | 6.490% |
| MOVEMENT MORTGAGE, LLC | 284 | $4,855 | 6.562% |
| First National Bank of Pennsylvania | 279 | $4,578 | 6.383% |