Mortgage lending in Hickory-Lenoir-Morganton, NC
9,379 mortgages were originated in the Hickory-Lenoir-Morganton, 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
- 9,379
- Median rate
- 6.500%
- Median lender fees
- $5,363
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)
- 0.157
- Paid discount points
- 35.8%
- Received lender credits
- 17.7%
- Purchases / refinances
- 52.1% / 29.3%
- Conventional / FHA / VA
- 74.2% / 16.8% / 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 68.3% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Hickory-Lenoir-Morganton, NC area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| State Employees' | 1,471 | $4,167 | 6.250% |
| Rocket Mortgage, LLC | 787 | $5,448 | 6.625% |
| Atlantic Bay Mortgage Group, L.L.C. | 511 | $7,837 | 6.625% |
| Truist Bank | 394 | $4,441 | 6.750% |
| Crosscountry Mortgage, Inc. | 369 | $8,012 | 6.625% |
| First-Citizens Bank & Trust Company | 317 | $3,521 | 6.425% |
| United Shore Financial Services, LLC | 313 | $8,416 | 6.125% |
| DHI Mortgage Company, Ltd. | 280 | $3,178 | 5.500% |
| Peoples Bank | 261 | — | 7.000% |
| Movement Mortgage, LLC | 215 | $5,158 | 6.750% |