Mortgage lending in Raleigh-Cary, NC
42,780 mortgages were originated in the Raleigh-Cary, 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
- 42,780
- Median rate
- 6.490%
- Median lender fees
- $4,844
- Median loan amount
- $305,000
- Median spread over APOR
- -0.010
- Paid discount points
- 33.3%
- Received lender credits
- 25.1%
- Purchases / refinances
- 54% / 27.6%
- Conventional / FHA / VA
- 82.8% / 9.9% / 6.9%
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 72% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Raleigh-Cary, NC area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| STATE EMPLOYEES' | 4,758 | $4,691 | 6.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,688 | $7,173 | 6.125% |
| Rocket Mortgage, LLC | 2,299 | $4,368 | 6.625% |
| COASTAL Federal Credit Union | 2,000 | $3,063 | 7.400% |
| First-Citizens Bank & Trust Company | 1,462 | $4,179 | 6.350% |
| LENNAR MORTGAGE, LLC | 1,409 | $1,340 | 5.125% |
| Truist Bank | 1,057 | $4,710 | 6.375% |
| MOVEMENT MORTGAGE, LLC | 879 | $5,051 | 6.500% |
| Bank of America, National Association | 718 | $4,105 | 6.125% |
| PENNYMAC LOAN SERVICES, LLC | 677 | $7,835 | 6.250% |