North Carolina mortgage data

In 2025, lenders originated 122,940 home-purchase mortgages on principal residences in North Carolina, with a median loan of $315,000. One percent of that median loan is $3,150.

That one percent is the expected agent-MLO figure: what a real-estate agent who is also the licensed loan originator on a deal would expect per median loan here at an expected ~100 bps, before any adjustment for the loan or the plan. The median total loan costs the buyer paid, $5,736, is the cost of the whole loan on the Closing Disclosure, not any one party's fee.

Home-purchase loans in 2025
122,940
Median loan
$315,000
Expected agent-MLO figure, one percent of the median loan
$3,1501what the agent who is also the loan originator would expect on the median loan at an expected ~100 bps
Median total loan costs
$5,736119,741 of 122,940 loans report costs
Lenders that originated here
806
Came through a broker or other third party
13.3%122,276 loans report the channel

By county

66 counties have a page of their own. 34 more counties had fewer than 250 loans, 4,631 in all, and are counted in the state figures above without a page of their own.

Counties in North Carolina with at least 250 home-purchase loans in 2025
CountyLoansMedian loan
Wake County14,436$405,000
Mecklenburg County12,784$395,000
Guilford County4,797$285,000
Forsyth County4,182$275,000
Johnston County4,018$325,000
Brunswick County3,665$295,000
Onslow County3,637$285,000
Cumberland County3,626$265,000
Durham County3,540$355,000
Union County3,474$405,000
Gaston County3,334$305,000
Harnett County3,185$315,000
Iredell County2,963$335,000
Cabarrus County2,922$355,000
New Hanover County2,383$375,000
Buncombe County2,355$365,000
Alamance County2,241$285,000
Catawba County2,223$285,000
Davidson County2,081$265,000
Pitt County1,762$255,000
Rowan County1,750$275,000
Moore County1,724$385,000
Craven County1,440$280,000
Henderson County1,403$345,000
Randolph County1,351$245,000
Wayne County1,314$245,000
Lincoln County1,298$335,000
Franklin County1,219$335,000
Pender County1,168$355,000
Hoke County1,130$305,000
Nash County1,106$275,000
Orange County1,100$405,000
Rockingham County1,053$225,000
Cleveland County949$235,000
Chatham County928$485,000
Lee County887$305,000
Stanly County858$285,000
Carteret County791$335,000
Burke County769$235,000
Caldwell County737$235,000
Haywood County695$315,000
Wilson County695$245,000
Robeson County651$195,000
Pasquotank County618$295,000
Granville County613$305,000
Davie County576$285,000
Rutherford County541$225,000
Currituck County539$425,000
Stokes County509$245,000
Surry County501$225,000
Sampson County461$245,000
Lenoir County456$205,000
Wilkes County452$215,000
McDowell County393$255,000
Person County366$255,000
Dare County364$425,000
Columbus County362$195,000
Beaufort County353$245,000
Duplin County338$215,000
Yadkin County326$235,000
Macon County317$265,000
Alexander County303$255,000
Edgecombe County272$185,000
Watauga County266$405,000
Richmond County252$175,000
Vance County250$225,000

Who lends in the state

Loans by lender kind
Lender kindLoansShare
Banks, thrifts and their mortgage subsidiaries24,95520.3%
Independent mortgage companies84,02868.3%
Credit unions13,95711.4%
Loans by program
ProgramLoansShare
FHA22,61318.4%
VA19,40415.8%
Conventional and other80,92365.8%
Lenders with the most home-purchase loans in the state, 2025
LenderKindLoansShare
State Employees' Credit UnionCredit union8,4296.9%
Movement Mortgage, LLCIndependent mortgage company5,4754.5%
Rocket MortgageIndependent mortgage company5,2374.3%
DHI Mortgage Company, LTD.Independent mortgage company4,5623.7%
Atlantic Bay Mortgage GroupIndependent mortgage company4,4683.6%

Counts of loans each lender filed under HMDA. A lender's place in this table is a count, not a rating or a recommendation.

See every state.

How these numbers were made

Source: the Consumer Financial Protection Bureau's public HMDA Snapshot National Loan-Level Dataset for 2025, the loan-level file every covered mortgage lender files under the Home Mortgage Disclosure Act, as published by the FFIEC. Lender names and kinds come from the same release's transmittal sheet.

Filter: loans with action taken 1 (originated), loan purpose 1 (home purchase), occupancy type 1 (principal residence), lien status 1 (first lien), and not a reverse mortgage, not an open-end line of credit and not for a business or commercial purpose (each coded 2, or 1111 where the filer is exempt from reporting it). Refinances, second homes, investment properties, second liens, reverse mortgages, home equity lines, business-purpose loans and applications that did not close are not counted. Every figure on this page is over those loans in this state, including counties too small for a page of their own.

Rounding: the public file rounds each loan amount to the midpoint of its $10,000 band, so every amount ends in 5,000. Total loan costs are reported by most but not all lenders, and the costs median is over the loans that report them. A county gets a page at 250 or more home-purchase loans in the year, and a smaller county is counted in its state's figures. Lender kind follows the agency each lender files HMDA with, read from the name where that agency supervises more than one kind. A loan came through a broker or other third party when the lender reports the application was not submitted to it directly, which HMDA does not split further.

The same row of data is available as CSV and plain text. The data refreshes each June when the prior year's file is published. Built 2026-10-15.