What people paid for mortgages in Burke County, NC (2025)
Across 772 closed home-purchase loans in 2025, the median interest rate in Burke was 6.5%, and the middle half of borrowers got between 6.125% and 6.75%. Median total loan costs ran $5,683 on a median loan of $235,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.5%
- Middle half of rates
- 6.125%–6.75%
- Median total loan costs
- $5,683
- Median loan amount
- $235,000
772 loans, 2025.
Refinance
- Median rate
- 6.2%
- Middle half of rates
- 5.75%–6.75%
- Median total loan costs
- $5,330
- Median loan amount
- $215,000
456 loans, 2025.
Lowest median rates in Burke (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.STATE EMPLOYEES'5.875%149 loans, median costs $4,496
- 2.Rocket Mortgage, LLC6.49%61 loans, median costs $6,460
- 3.ATLANTIC BAY MORTGAGE GROUP, L.L.C.6.625%140 loans, median costs $8,481
- 4.CROSSCOUNTRY MORTGAGE, INC.6.625%32 loans, median costs $8,489
- 5.MOVEMENT MORTGAGE, LLC6.625%30 loans, median costs $6,119
Among lenders with at least 30 closed purchase loans in Burke County in 2025.
Refinance
- 1.STATE EMPLOYEES'5.5%94 loans, median costs $2,815
- 2.Rocket Mortgage, LLC6.125%66 loans, median costs $7,676
- 3.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.125%41 loans, median costs $9,174
Among lenders with at least 30 closed refinance loans in Burke County in 2025.
Lender by lender in Burke
Every lender that closed at least 5 qualifying loans in Burke County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 149 | 5.875% | $4,496 | $2,335 | n/a |
| 2 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 140 | 6.625% | $8,481 | $3,427 | $2,523 |
| 3 | Rocket Mortgage, LLC | 61 | 6.49% | $6,460 | $1,850 | $2,184 |
| 4 | CROSSCOUNTRY MORTGAGE, INC. | 32 | 6.625% | $8,489 | $2,851 | $2,788 |
| 5 | MOVEMENT MORTGAGE, LLC | 30 | 6.625% | $6,119 | $2,219 | $923 |
| 6 | Mortgage Research Center, LLC | 27 | 6.625% | $2,336 | $0 | $1,306 |
| 7 | Fairway Independent Mortgage Corporation | 16 | 6.933% | $5,465 | $2,110 | $988 |
| 8 | Truist Bank | 16 | 6.558% | $3,881 | $1,250 | $621 |
| 9 | VANDERBILT MORTGAGE AND FINANCE, INC. | 15 | 9.5% | $6,881 | $4,208 | $716 |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 14 | 6.679% | $6,220 | $1,664 | $1,200 |
| 11 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 14 | 6.625% | $8,863 | $3,190 | $2,863 |
| 12 | Primis Mortgage Company | 13 | 6.5% | $9,666 | $3,510 | $3,192 |
| 13 | GUARANTEED RATE, INC. | 11 | 6.625% | $4,440 | $1,640 | $456 |
| 14 | Taylorsville Savings Bank, SSB | 9 | n/a | n/a | n/a | n/a |
| 15 | Navy Federal Credit Union | 8 | 6.125% | $2,998 | $0 | $2,225 |
| 16 | Alcova Mortgage LLC | 8 | 6.49% | $7,110 | $3,711 | $3,633 |
| 17 | First-Citizens Bank & Trust Company | 8 | 6.425% | $5,546 | $1,773 | $363 |
| 18 | GUILD MORTGAGE COMPANY | 7 | 6.875% | $7,726 | $2,361 | $1,052 |
| 19 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | 6.625% | $6,292 | $2,273 | $2,146 |
| 20 | Bank of America, National Association | 7 | 6.125% | $7,000 | $3,421 | $2,895 |
| 21 | Wells Fargo Bank, National Association | 7 | 6.125% | $4,566 | $2,045 | $1,081 |
| 22 | Equity Prime Mortgage LLC | 6 | 7.188% | $10,622 | $3,958 | $1,904 |
| 23 | PENNYMAC LOAN SERVICES, LLC | 6 | 5.933% | $10,150 | $2,735 | $3,652 |
| 24 | NBKC BANK | 5 | 6.49% | $3,214 | $250 | n/a |
| 25 | AMERICAN FINANCIAL RESOURCES, INC. | 5 | 6.625% | $12,005 | $5,429 | $2,558 |
| 26 | Peoples Bank | 5 | 6.5% | $7,225 | $3,508 | n/a |
| 27 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | 7.75% | $100 | $0 | n/a |
| 28 | Ixonia Bank | 5 | 6.625% | $7,200 | $2,882 | $3,287 |
| 29 | United Community Bank | 5 | 7.25% | $6,000 | $1,820 | $1,441 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Burke figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Burke County in 2025?
The median interest rate on closed home-purchase loans in Burke County, North Carolina in 2025 was 6.5%, across 772 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.75%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.