What people paid for mortgages in Harnett County, NC (2025)
Across 3,187 closed home-purchase loans in 2025, the median interest rate in Harnett was 6.15%, and the middle half of borrowers got between 5.625% and 6.625%. Median total loan costs ran $7,374 on a median loan of $315,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.15%
- Middle half of rates
- 5.625%–6.625%
- Median total loan costs
- $7,374
- Median loan amount
- $315,000
3,187 loans, 2025.
Refinance
- Median rate
- 5.99%
- Middle half of rates
- 5.624%–6.375%
- Median total loan costs
- $6,062
- Median loan amount
- $295,000
1,158 loans, 2025.
Lowest median rates in Harnett (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%160 loans, median costs $6,972
- 2.JET HOMELOANS, LP4.99%99 loans, median costs $9,592
- 3.MATTAMY HOME FUNDING, LLC5.125%64 loans, median costs $4,659
- 4.Loandepot.Com, LLC5.25%89 loans, median costs $9,882
- 5.Towne Bank5.375%79 loans, median costs $5,315
Among lenders with at least 30 closed purchase loans in Harnett County in 2025.
Refinance
- 1.STATE EMPLOYEES'5.5%59 loans, median costs $3,114
- 2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.625%214 loans, median costs $7,648
- 3.PENNYMAC LOAN SERVICES, LLC5.625%59 loans, median costs $6,934
- 4.Mortgage Research Center, LLC5.875%35 loans, median costs $3,707
- 5.Rocket Mortgage, LLC5.99%128 loans, median costs $6,731
Among lenders with at least 30 closed refinance loans in Harnett County in 2025.
Lender by lender in Harnett
Every lender that closed at least 5 qualifying loans in Harnett 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 | Mortgage Research Center, LLC | 170 | 6.312% | $6,874 | $0 | $1,173 |
| 2 | DHI MORTGAGE COMPANY, LTD. | 160 | 4.99% | $6,972 | $0 | $3,242 |
| 3 | STATE EMPLOYEES' | 148 | 5.85% | $4,646 | $2,500 | n/a |
| 4 | NFM, INC. | 139 | 6.25% | $9,421 | $4,561 | $3,804 |
| 5 | MOVEMENT MORTGAGE, LLC | 136 | 6.188% | $9,717 | $3,178 | $4,995 |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 106 | 6.25% | $9,032 | $1,996 | $1,984 |
| 7 | JET HOMELOANS, LP | 99 | 4.99% | $9,592 | $1,325 | $5,499 |
| 8 | CROSSCOUNTRY MORTGAGE, INC. | 96 | 6.625% | $7,759 | $2,213 | $2,457 |
| 9 | Loandepot.Com, LLC | 89 | 5.25% | $9,882 | $1,790 | $7,950 |
| 10 | Navy Federal Credit Union | 85 | 6% | $6,446 | $0 | $2,847 |
| 11 | KBHS HOME LOANS, LLC | 83 | 5.75% | $4,508 | $1,225 | $10,469 |
| 12 | Rocket Mortgage, LLC | 82 | 6.375% | $8,016 | $2,953 | $3,099 |
| 13 | Towne Bank | 79 | 5.375% | $5,315 | $1,646 | $19,170 |
| 14 | NVR Mortgage Finance, Inc. | 65 | 6.125% | $6,421 | $4,031 | $7,069 |
| 15 | MATTAMY HOME FUNDING, LLC | 64 | 5.125% | $4,659 | $101 | $10,502 |
| 16 | VANDERBILT MORTGAGE AND FINANCE, INC. | 63 | 8.75% | $7,640 | $3,095 | $1,993 |
| 17 | FREEDOM MORTGAGE CORPORATION | 61 | 6.25% | $9,500 | $1,857 | $2,322 |
| 18 | CORNERSTONE CAPITAL BANK, SSB | 55 | 5.75% | $7,646 | $700 | $8,814 |
| 19 | Heritage Mortgage, LLC | 48 | 6.188% | $5,893 | $0 | $3,125 |
| 20 | Truist Bank | 42 | 6.25% | $6,178 | $2,281 | $1,733 |
| 21 | GUILD MORTGAGE COMPANY | 39 | 6.375% | $8,465 | $3,085 | $2,651 |
| 22 | American Security Mortgage Corp. | 39 | 6.25% | $9,348 | $2,118 | $1,554 |
| 23 | FBC MORTGAGE, LLC | 37 | 5.49% | $8,884 | $1,395 | $4,339 |
| 24 | FIRST HOME MORTGAGE CORPORATION | 37 | 6.5% | $9,170 | $3,894 | $4,637 |
| 25 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 34 | 6.625% | $10,586 | $3,864 | $2,996 |
| 26 | Taylor Morrison Home Funding, Inc. | 34 | 5.5% | $2,582 | $101 | $3,294 |
| 27 | SOUTHERN TRUST MORTGAGE, LLC | 32 | 6.25% | $11,168 | $3,978 | $2,846 |
| 28 | UNION HOME MORTGAGE CORP. | 31 | 6.25% | $8,595 | $2,555 | $3,054 |
| 29 | LENNAR MORTGAGE, LLC | 29 | 3.99% | $2,458 | $1,190 | $509 |
| 30 | Fairway Independent Mortgage Corporation | 29 | 6.625% | $8,170 | $1,741 | $3,085 |
| 31 | Broker Solutions, Inc. | 27 | 6.75% | $10,373 | $2,495 | $2,868 |
| 32 | Alcova Mortgage LLC | 25 | 6.375% | $5,447 | $0 | $2,729 |
| 33 | GUARANTEED RATE, INC. | 25 | 6.25% | $7,418 | $1,779 | $2,663 |
| 34 | FIRST EQUITY MORTGAGE INCORPORATED | 23 | 6.375% | $4,296 | $1,095 | $4,291 |
| 35 | PENNYMAC LOAN SERVICES, LLC | 23 | 5.999% | $8,311 | $2,044 | $1,323 |
| 36 | USAA Federal Savings Bank | 22 | 6.312% | $6,707 | $972 | $1,242 |
| 37 | Wells Fargo Bank, National Association | 22 | 6.188% | $8,656 | $6,130 | $5,336 |
| 38 | Primis Mortgage Company | 21 | 6.875% | $9,940 | $2,684 | $2,416 |
| 39 | COASTAL Federal Credit Union | 19 | 6.5% | $5,068 | $1,974 | $1,278 |
| 40 | EQUITY RESOURCES, INC. | 18 | 6.875% | $3,912 | $1,270 | $639 |
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 Harnett figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Harnett County in 2025?
The median interest rate on closed home-purchase loans in Harnett County, North Carolina in 2025 was 6.15%, across 3,187 first-lien, owner-occupied loans. The middle half of borrowers got between 5.625% and 6.625%.
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.