Mortgage lending in Wilmington, NC

17,290 mortgages were originated in the Wilmington, NC area in 2025, and here is what they cost.

Loans originated

17,290

Median rate

6.500%

Median lender fees

$5,064

Median loan amount

$275,000

Median spread over APOR

0.122

Paid discount points

34.1%

Received lender credits

21.4%

Purchases / refinances

56.9% / 24.9%

Conventional / FHA / VA

79.1% / 10.6% / 10%

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 71.3% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the Wilmington, NC area, ranked by volume.