Mortgage lending in Pinehurst-Southern Pines, NC

3,677 mortgages were originated in the Pinehurst-Southern Pines, NC area in 2025, and here is what they cost.

Loans originated

3,677

Median rate

6.375%

Median lender fees

$5,790

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

$325,000

Above the going rate (spread over APOR)

-0.080

Paid discount points

38%

Received lender credits

23.5%

Purchases / refinances

54.9% / 29.1%

Conventional / FHA / VA

59.9% / 6.5% / 33.2%

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 73.5% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the Pinehurst-Southern Pines, NC area, ranked by volume.