What people paid for mortgages in Forsyth County, NC (2025)
Across 4,207 closed home-purchase loans in 2025, the median interest rate in Forsyth was 6.49%, and the middle half of borrowers got between 6% and 6.75%. Median total loan costs ran $5,378 on a median loan of $275,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.49%
- Middle half of rates
- 6%–6.75%
- Median total loan costs
- $5,378
- Median loan amount
- $275,000
4,207 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $6,188
- Median loan amount
- $225,000
1,755 loans, 2025.
Lowest median rates in Forsyth (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.DHI MORTGAGE COMPANY, LTD.4.99%68 loans, median costs $7,028
- 2.LENNAR MORTGAGE, LLC5.688%98 loans, median costs $2,791
- 3.VANDERBILT MORTGAGE AND FINANCE, INC.5.875%187 loans, median costs $9,366
- 4.STATE EMPLOYEES'6%290 loans, median costs $4,515
- 5.Navy Federal Credit Union6.125%49 loans, median costs $2,833
Among lenders with at least 30 closed purchase loans in Forsyth County in 2025.
Refinance
- 1.STATE EMPLOYEES'5.75%103 loans, median costs $3,116
- 2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.875%152 loans, median costs $8,864
- 3.PENNYMAC LOAN SERVICES, LLC5.875%56 loans, median costs $7,928
- 4.ALLEGACY FEDERAL CREDIT UNION5.92%83 loans, median costs $182
- 5.Loandepot.Com, LLC5.99%34 loans, median costs $8,138
Among lenders with at least 30 closed refinance loans in Forsyth County in 2025.
Lender by lender in Forsyth
Every lender that closed at least 5 qualifying loans in Forsyth 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' | 290 | 6% | $4,515 | $2,500 | n/a |
| 2 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 281 | 6.625% | $7,446 | $3,665 | $2,629 |
| 3 | MOVEMENT MORTGAGE, LLC | 215 | 6.562% | $7,648 | $2,797 | $2,709 |
| 4 | Fairway Independent Mortgage Corporation | 198 | 6.625% | $6,097 | $3,087 | $2,351 |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 187 | 5.875% | $9,366 | $3,597 | $9,580 |
| 6 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 184 | 6.625% | $6,623 | $3,397 | $3,007 |
| 7 | Rocket Mortgage, LLC | 172 | 6.562% | $6,044 | $3,085 | $3,082 |
| 8 | First National Bank of Pennsylvania | 171 | 6.25% | $4,591 | $1,225 | $4,750 |
| 9 | Mortgage Research Center, LLC | 108 | 6.25% | $3,749 | $0 | $1,382 |
| 10 | Prosperity Home Mortgage, LLC | 103 | 6.375% | $6,291 | $3,158 | $2,291 |
| 11 | Truist Bank | 102 | 6.412% | $4,132 | $1,291 | $725 |
| 12 | LENNAR MORTGAGE, LLC | 98 | 5.688% | $2,791 | $1,230 | $4,508 |
| 13 | ALLEGACY FEDERAL CREDIT UNION | 82 | 6.375% | $5,095 | $2,294 | $551 |
| 14 | CROSSCOUNTRY MORTGAGE, INC. | 76 | 6.625% | $8,016 | $3,828 | $2,783 |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 74 | 6.499% | $7,217 | $2,080 | $1,202 |
| 16 | GUARANTEED RATE, INC. | 69 | 6.575% | $4,854 | $2,527 | $1,612 |
| 17 | DHI MORTGAGE COMPANY, LTD. | 68 | 4.99% | $7,028 | $0 | $1,673 |
| 18 | ENVOY MORTGAGE, LTD | 67 | 6.625% | $7,201 | $3,554 | $2,819 |
| 19 | Truliant Federal Credit Union | 67 | 6.625% | $3,498 | $995 | $521 |
| 20 | U.S. Bank National Association | 66 | 6.5% | $4,677 | $1,245 | $2,776 |
| 21 | JPMorgan Chase Bank, National Association | 59 | 6.5% | $4,006 | $1,645 | $2,025 |
| 22 | CANOPY MORTGAGE, LLC | 54 | 6.375% | $7,885 | $4,024 | $1,752 |
| 23 | Navy Federal Credit Union | 49 | 6.125% | $2,833 | $0 | $1,329 |
| 24 | Wells Fargo Bank, National Association | 48 | 6.312% | $5,068 | $1,673 | $1,334 |
| 25 | CMG MORTGAGE, INC. | 43 | 6.625% | $6,333 | $1,984 | $1,890 |
| 26 | UNION HOME MORTGAGE CORP. | 43 | 6.625% | $4,607 | $2,035 | $566 |
| 27 | First-Citizens Bank & Trust Company | 43 | 6.125% | $4,601 | $1,941 | $952 |
| 28 | HOWARD HANNA FINANCIAL SERVICES, INC. | 35 | 6.5% | $4,326 | $2,039 | $980 |
| 29 | Pinnacle Bank | 33 | 6.375% | $4,360 | $1,625 | $2,993 |
| 30 | Piedmont Federal Savings Bank | 31 | 6.625% | $2,907 | $0 | n/a |
| 31 | Bank of America, National Association | 31 | 6.125% | $3,714 | $1,245 | $2,818 |
| 32 | GUILD MORTGAGE COMPANY | 28 | 6.688% | $6,957 | $3,540 | $2,485 |
| 33 | Ameris Bank | 28 | 6.5% | $6,514 | $2,451 | $1,418 |
| 34 | Alcova Mortgage LLC | 27 | 6.625% | $6,604 | $2,244 | $1,854 |
| 35 | VAN DYK MORTGAGE CORPORATION | 26 | 6.312% | $3,885 | $1,790 | $1,218 |
| 36 | Atlantic Coast Mortgage, LLC | 25 | 6.625% | $3,978 | $1,570 | $2,750 |
| 37 | LATINO COMMUNITY CREDIT UNION | 25 | 7.75% | $4,285 | $2,070 | n/a |
| 38 | EQUITY RESOURCES, INC. | 23 | 6.5% | $6,269 | $1,737 | $1,958 |
| 39 | The Fidelity Bank | 22 | 6.688% | $4,390 | $1,702 | $1,456 |
| 40 | SUMMIT FUNDING, INC. | 21 | 6.875% | $6,075 | $2,465 | $1,197 |
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 Forsyth figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Forsyth County in 2025?
The median interest rate on closed home-purchase loans in Forsyth County, North Carolina in 2025 was 6.49%, across 4,207 first-lien, owner-occupied loans. The middle half of borrowers got between 6% 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.