Mortgage lending in Winston-Salem, NC
17,707 mortgages were originated in the Winston-Salem, 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
- 17,707
- Median rate
- 6.500%
- Median lender fees
- $5,249
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)
- 0.140
- Paid discount points
- 36.5%
- Received lender credits
- 18.4%
- Purchases / refinances
- 52.2% / 28.6%
- Conventional / FHA / VA
- 75.5% / 15.5% / 8.5%
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 68.8% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Winston-Salem, NC area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| State Employees' | 1,715 | $4,199 | 6.250% |
| Rocket Mortgage, LLC | 1,179 | $5,650 | 6.625% |
| Allegacy Federal Credit Union | 995 | $4,437 | 5.750% |
| Atlantic Bay Mortgage Group, L.L.C. | 988 | $7,932 | 6.625% |
| Truliant Federal Credit Union | 761 | — | 7.250% |
| First National Bank of Pennsylvania | 659 | $3,586 | 6.490% |
| Truist Bank | 617 | $4,124 | 6.700% |
| Fairway Independent Mortgage Corporation | 495 | $6,088 | 6.625% |
| United Shore Financial Services, LLC | 486 | $8,347 | 6.101% |
| Movement Mortgage, LLC | 482 | $6,453 | 6.625% |