What people paid for mortgages in Lincoln County, NC (2025)
Across 1,311 closed home-purchase loans in 2025, the median interest rate in Lincoln was 6.375%, and the middle half of borrowers got between 5.99% and 6.75%. Median total loan costs ran $5,575 on a median loan of $335,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.375%
- Middle half of rates
- 5.99%–6.75%
- Median total loan costs
- $5,575
- Median loan amount
- $335,000
1,311 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $6,603
- Median loan amount
- $265,000
590 loans, 2025.
Lowest median rates in Lincoln (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.INSPIRE HOME LOANS INC.5.125%42 loans, median costs $7,811
- 2.DHI MORTGAGE COMPANY, LTD.5.375%82 loans, median costs $5,386
- 3.KBHS HOME LOANS, LLC5.875%31 loans, median costs $4,255
- 4.STATE EMPLOYEES'5.95%68 loans, median costs $4,988
- 5.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.49%61 loans, median costs $7,558
Among lenders with at least 30 closed purchase loans in Lincoln County in 2025.
Refinance
- 1.STATE EMPLOYEES'5.575%41 loans, median costs $3,153
- 2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.99%67 loans, median costs $7,359
- 3.Rocket Mortgage, LLC6.125%99 loans, median costs $7,569
- 4.FREEDOM MORTGAGE CORPORATION6.25%30 loans, median costs $7,744
Among lenders with at least 30 closed refinance loans in Lincoln County in 2025.
Lender by lender in Lincoln
Every lender that closed at least 5 qualifying loans in Lincoln 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 | Rocket Mortgage, LLC | 83 | 6.625% | $4,912 | $2,187 | $2,218 |
| 2 | DHI MORTGAGE COMPANY, LTD. | 82 | 5.375% | $5,386 | $0 | $3,348 |
| 3 | STATE EMPLOYEES' | 68 | 5.95% | $4,988 | $2,500 | n/a |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 61 | 6.49% | $7,558 | $2,292 | $1,653 |
| 5 | MOVEMENT MORTGAGE, LLC | 58 | 6.625% | $5,814 | $1,891 | $2,677 |
| 6 | First Federal Savings Bank of Lincolnton | 55 | n/a | n/a | n/a | n/a |
| 7 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 45 | 6.625% | $8,037 | $2,917 | $4,279 |
| 8 | INSPIRE HOME LOANS INC. | 42 | 5.125% | $7,811 | $1,500 | $8,704 |
| 9 | American Security Mortgage Corp. | 35 | 6.5% | $4,713 | $1,453 | $762 |
| 10 | Fairway Independent Mortgage Corporation | 35 | 6.75% | $6,001 | $3,628 | $2,534 |
| 11 | KBHS HOME LOANS, LLC | 31 | 5.875% | $4,255 | $1,225 | $10,841 |
| 12 | GUILD MORTGAGE COMPANY | 30 | 6.688% | $5,147 | $1,443 | $2,756 |
| 13 | Shea Mortgage Inc. | 29 | 6.5% | $1,813 | $0 | $3,965 |
| 14 | Peoples Bank | 29 | 6.49% | $6,179 | $2,895 | $588 |
| 15 | NVR Mortgage Finance, Inc. | 29 | 5.99% | $7,851 | $1,750 | $15,461 |
| 16 | GoPrime Mortgage, Inc. | 25 | 6.625% | $6,364 | $3,859 | $2,850 |
| 17 | CROSSCOUNTRY MORTGAGE, INC. | 24 | 6.6% | $8,738 | $4,084 | $3,296 |
| 18 | Mortgage Research Center, LLC | 17 | 6.25% | $4,119 | $568 | $916 |
| 19 | Bank of America, National Association | 17 | 5.75% | $3,793 | $1,863 | $3,452 |
| 20 | Truist Bank | 17 | 6.6% | $4,912 | $1,734 | $1,492 |
| 21 | Fifth Third Bank, National Association | 16 | 6.25% | $4,980 | $1,295 | $1,013 |
| 22 | Broker Solutions, Inc. | 15 | 6.125% | $9,685 | $4,468 | $6,836 |
| 23 | Wells Fargo Bank, National Association | 15 | 6.25% | $4,681 | $1,445 | $1,158 |
| 24 | Atlantic Coast Mortgage, LLC | 14 | 6.625% | $7,783 | $2,407 | $1,994 |
| 25 | First-Citizens Bank & Trust Company | 12 | 6.438% | $4,349 | $1,557 | $3,021 |
| 26 | First National Bank of Pennsylvania | 12 | 6.495% | $7,085 | $3,660 | $2,188 |
| 27 | PENNYMAC LOAN SERVICES, LLC | 12 | 6.561% | $8,650 | $2,082 | $1,063 |
| 28 | Navy Federal Credit Union | 11 | 6% | $3,774 | $0 | $1,056 |
| 29 | VANDERBILT MORTGAGE AND FINANCE, INC. | 10 | 8.625% | $6,811 | $3,354 | $1,082 |
| 30 | HOWARD HANNA FINANCIAL SERVICES, INC. | 10 | 6.625% | $5,260 | $1,627 | $2,390 |
| 31 | FIRST COMMUNITY MORTGAGE, INC. | 10 | 6.188% | $13,402 | $8,931 | $8,148 |
| 32 | Alcova Mortgage LLC | 10 | 6.75% | $8,224 | $1,894 | $4,204 |
| 33 | GUARANTEED RATE, INC. | 10 | 6.487% | $6,010 | $2,591 | $3,177 |
| 34 | ZILLOW HOME LOANS, LLC | 9 | 6.375% | $7,145 | $3,176 | $2,589 |
| 35 | C & F Mortgage Corporation | 9 | 6.25% | $7,176 | $1,250 | $231 |
| 36 | NEWREZ LLC | 9 | 6.375% | $12,734 | $9,411 | $5,305 |
| 37 | MUTUAL OF OMAHA MORTGAGE, INC. | 9 | 6.49% | $4,621 | $1,909 | $869 |
| 38 | Ixonia Bank | 9 | 6.75% | $8,320 | $3,118 | $1,885 |
| 39 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 7 | 6.5% | $8,272 | $2,791 | $3,143 |
| 40 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | 6.5% | $7,950 | $1,164 | $1,126 |
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 Lincoln figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Lincoln County in 2025?
The median interest rate on closed home-purchase loans in Lincoln County, North Carolina in 2025 was 6.375%, across 1,311 first-lien, owner-occupied loans. The middle half of borrowers got between 5.99% 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.