Mortgage lending in Fayetteville, NC
10,587 mortgages were originated in the Fayetteville, NC area in 2025, and here is what they cost.
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
- 10,587
- Median rate
- 6.250%
- Median lender fees
- $6,221
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
- $235,000
- Above the going rate (spread over APOR)
- -0.085
- Paid discount points
- 48.3%
- Received lender credits
- 31.2%
- Purchases / refinances
- 52.2% / 38%
- Conventional / FHA / VA
- 35.5% / 10.8% / 53.4%
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 80.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Fayetteville, NC area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Mortgage Research Center, LLC | 940 | $5,789 | 6.250% |
| United Shore Financial Services, LLC | 904 | $6,103 | 5.750% |
| Rocket Mortgage, LLC | 665 | $5,683 | 6.490% |
| Freedom Mortgage Corporation | 634 | $4,765 | 6.125% |
| Navy Federal Credit Union | 479 | $3,057 | 6.250% |
| State Employees' | 349 | $3,782 | 6.250% |
| Movement Mortgage, LLC | 336 | $7,057 | 6.250% |
| Crosscountry Mortgage, Inc. | 271 | $7,169 | 6.375% |
| Pennymac Loan Services, LLC | 232 | $5,759 | 5.750% |
| Union Home Mortgage Corp. | 228 | $7,779 | 6.250% |