What people paid for mortgages in Onslow County, NC (2025)
Across 3,640 closed home-purchase loans in 2025, the median interest rate in Onslow was 6.25%, and the middle half of borrowers got between 5.99% and 6.625%. Median total loan costs ran $7,365 on a median loan of $285,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.25%
- Middle half of rates
- 5.99%–6.625%
- Median total loan costs
- $7,365
- Median loan amount
- $285,000
3,640 loans, 2025.
Refinance
- Median rate
- 5.883%
- Middle half of rates
- 5.625%–6.25%
- Median total loan costs
- $4,827
- Median loan amount
- $265,000
1,912 loans, 2025.
Lowest median rates in Onslow (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%95 loans, median costs $9,436
- 2.JET HOMELOANS, LP4.99%88 loans, median costs $9,293
- 3.VANDERBILT MORTGAGE AND FINANCE, INC.5.25%56 loans, median costs $9,401
- 4.Navy Federal Credit Union6%389 loans, median costs $6,041
- 5.STATE EMPLOYEES'6.025%44 loans, median costs $4,803
Among lenders with at least 30 closed purchase loans in Onslow County in 2025.
Refinance
- 1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.625%310 loans, median costs $5,753
- 2.PENNYMAC LOAN SERVICES, LLC5.625%114 loans, median costs $6,151
- 3.Mortgage Research Center, LLC5.75%96 loans, median costs $4,397
- 4.NEWREZ LLC5.75%68 loans, median costs $4,848
- 5.VILLAGE CAPITAL & INVESTMENT LLC5.75%56 loans, median costs $5,007
Among lenders with at least 30 closed refinance loans in Onslow County in 2025.
Lender by lender in Onslow
Every lender that closed at least 5 qualifying loans in Onslow 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 | 462 | 6.25% | $6,507 | $0 | $999 |
| 2 | Navy Federal Credit Union | 389 | 6% | $6,041 | $0 | $2,187 |
| 3 | NEWREZ LLC | 374 | 6.25% | $7,843 | $1 | $513 |
| 4 | GUILD MORTGAGE COMPANY | 259 | 6.25% | $7,874 | $103 | $916 |
| 5 | MOVEMENT MORTGAGE, LLC | 223 | 6.5% | $7,661 | $2,763 | $2,116 |
| 6 | Integrity Home Mortgage Corporation | 155 | 6.625% | $6,507 | $0 | $1,734 |
| 7 | FREEDOM MORTGAGE CORPORATION | 117 | 6.25% | $8,767 | $902 | $899 |
| 8 | DHI MORTGAGE COMPANY, LTD. | 95 | 4.99% | $9,436 | $0 | $4,530 |
| 9 | T2 FINANCIAL LLC | 89 | 6.5% | $9,254 | $1,595 | $1,807 |
| 10 | PLAZA HOME MORTGAGE, INC.broker only | 89 | 6.125% | $8,117 | $1,842 | $1,842 |
| 11 | JET HOMELOANS, LP | 88 | 4.99% | $9,293 | $1,325 | $3,467 |
| 12 | Rocket Mortgage, LLC | 70 | 6.375% | $7,743 | $3,311 | $3,433 |
| 13 | Fairway Independent Mortgage Corporation | 69 | 6.25% | $8,110 | $0 | $1,949 |
| 14 | GUARANTEED RATE, INC. | 65 | 6.375% | $7,767 | $0 | $2,458 |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 58 | 6.25% | $6,342 | $0 | $2,038 |
| 16 | Loansteady LLC | 57 | 6.25% | $9,280 | $808 | $1,077 |
| 17 | VANDERBILT MORTGAGE AND FINANCE, INC. | 56 | 5.25% | $9,401 | $0 | $15,896 |
| 18 | CROSSCOUNTRY MORTGAGE, INC. | 52 | 6.25% | $7,747 | $958 | $3,224 |
| 19 | STATE EMPLOYEES' | 44 | 6.025% | $4,803 | $2,500 | n/a |
| 20 | 21st Mortgage Corporation | 30 | 10.635% | $6,609 | $4,045 | n/a |
| 21 | LOWER, LLC | 28 | 6.125% | $8,240 | $3,314 | $3,099 |
| 22 | USAA Federal Savings Bank | 28 | 6.312% | $6,906 | $911 | $1,853 |
| 23 | Marine Federal Credit Union | 27 | 6.375% | n/a | n/a | n/a |
| 24 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 27 | 6.49% | $8,320 | $3,100 | $2,795 |
| 25 | ZILLOW HOME LOANS, LLC | 25 | 6.125% | $6,694 | $1,500 | $2,163 |
| 26 | American Security Mortgage Corp. | 25 | 6.25% | $10,441 | $1,895 | $884 |
| 27 | CMG MORTGAGE, INC. | 23 | 6% | $7,704 | $1,809 | $1,519 |
| 28 | FBC MORTGAGE, LLC | 19 | 4.99% | $5,816 | $1,395 | $7,143 |
| 29 | Prosperity Home Mortgage, LLC | 19 | 6.124% | $8,339 | $2,520 | $2,500 |
| 30 | AAFMAA Mortgage Services LLC | 18 | 6.25% | $5,234 | $0 | $1,260 |
| 31 | AMERICAN FINANCIAL RESOURCES, INC. | 18 | 6.312% | $7,697 | $1,030 | $1,233 |
| 32 | INTERCOASTAL MORTGAGE, LLC | 18 | 6.5% | $3,845 | $281 | $1,840 |
| 33 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | 17 | 6.49% | $9,146 | $0 | $1,304 |
| 34 | Primis Mortgage Company | 16 | 6.37% | $9,067 | $694 | $2,044 |
| 35 | First-Citizens Bank & Trust Company | 16 | 6.475% | $6,131 | $1,910 | $482 |
| 36 | Truist Bank | 15 | 6.3% | $6,230 | $1,266 | $2,100 |
| 37 | PENNYMAC LOAN SERVICES, LLC | 14 | 5.999% | $7,971 | $2,207 | $5,655 |
| 38 | Towne Bank | 13 | 6.25% | $10,278 | $1,645 | $1,103 |
| 39 | CORNERSTONE CAPITAL BANK, SSB | 12 | 6.25% | $7,480 | $1,595 | $2,651 |
| 40 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 12 | 7.75% | $4,773 | $95 | $3,330 |
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 Onslow figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Onslow County in 2025?
The median interest rate on closed home-purchase loans in Onslow County, North Carolina in 2025 was 6.25%, across 3,640 first-lien, owner-occupied loans. The middle half of borrowers got between 5.99% 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.