What people paid for mortgages in Pitt County, NC (2025)
Across 1,768 closed home-purchase loans in 2025, the median interest rate in Pitt was 6.375%, and the middle half of borrowers got between 5.9% and 6.75%. Median total loan costs ran $5,401 on a median loan of $255,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.375%
- Middle half of rates
- 5.9%–6.75%
- Median total loan costs
- $5,401
- Median loan amount
- $255,000
1,768 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $6,090
- Median loan amount
- $225,000
657 loans, 2025.
Lowest median rates in Pitt (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%144 loans, median costs $5,816
- 2.STATE EMPLOYEES'5.875%196 loans, median costs $4,401
- 3.First-Citizens Bank & Trust Company6.075%41 loans, median costs $4,897
- 4.Truist Bank6.2%124 loans, median costs $5,322
- 5.Alcova Mortgage LLC6.375%90 loans, median costs $5,666
Among lenders with at least 30 closed purchase loans in Pitt County in 2025.
Refinance
- 1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.75%53 loans, median costs $7,861
- 2.STATE EMPLOYEES'5.825%75 loans, median costs $2,768
- 3.Rocket Mortgage, LLC5.99%99 loans, median costs $7,273
- 4.FREEDOM MORTGAGE CORPORATION6.25%43 loans, median costs $3,993
Among lenders with at least 30 closed refinance loans in Pitt County in 2025.
Lender by lender in Pitt
Every lender that closed at least 5 qualifying loans in Pitt 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' | 196 | 5.875% | $4,401 | $2,420 | n/a |
| 2 | DHI MORTGAGE COMPANY, LTD. | 144 | 4.99% | $5,816 | $0 | $1,371 |
| 3 | Truist Bank | 124 | 6.2% | $5,322 | $2,450 | $1,801 |
| 4 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 108 | 6.5% | $7,957 | $3,607 | $3,028 |
| 5 | Rocket Mortgage, LLC | 106 | 6.495% | $7,499 | $4,794 | $3,021 |
| 6 | Alcova Mortgage LLC | 90 | 6.375% | $5,666 | $2,249 | $2,899 |
| 7 | Towne Bank | 77 | 6.5% | $5,618 | $2,425 | $1,278 |
| 8 | American Security Mortgage Corp. | 61 | 6.49% | $4,962 | $1,395 | $1,840 |
| 9 | Mortgage Research Center, LLC | 55 | 6.5% | $2,441 | $0 | $958 |
| 10 | Southern Bank and Trust Company | 51 | 6.625% | $6,168 | $3,818 | $145 |
| 11 | JPMorgan Chase Bank, National Association | 51 | 6.375% | $4,335 | $1,645 | $1,811 |
| 12 | First-Citizens Bank & Trust Company | 41 | 6.075% | $4,897 | $1,587 | $627 |
| 13 | MOVEMENT MORTGAGE, LLC | 40 | 6.5% | $7,872 | $2,953 | $1,822 |
| 14 | Integrity Home Mortgage Corporation | 35 | 6.5% | $7,152 | $3,484 | $2,850 |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 30 | 6.609% | $7,096 | $2,379 | $1,673 |
| 16 | Navy Federal Credit Union | 29 | 6.25% | $2,636 | $0 | $3,322 |
| 17 | INSPIRE HOME LOANS INC. | 29 | 6.25% | $6,598 | $1,250 | $5,848 |
| 18 | VANDERBILT MORTGAGE AND FINANCE, INC. | 28 | 10.25% | $8,340 | $4,951 | $900 |
| 19 | Broker Solutions, Inc. | 23 | 6.625% | $7,925 | $2,577 | $2,261 |
| 20 | SUCCESS MORTGAGE PARTNERS, INC. | 20 | 6.5% | $9,187 | $3,206 | $2,923 |
| 21 | CROSSCOUNTRY MORTGAGE, INC. | 17 | 6.75% | $7,326 | $3,210 | $2,726 |
| 22 | HOWARD HANNA FINANCIAL SERVICES, INC. | 16 | 6.533% | $5,117 | $2,077 | $1,563 |
| 23 | Wells Fargo Bank, National Association | 15 | 6.5% | $4,706 | $2,009 | $1,474 |
| 24 | GUILD MORTGAGE COMPANY | 12 | 6.688% | $7,437 | $2,896 | $2,852 |
| 25 | First National Bank of Pennsylvania | 12 | 6.49% | $4,580 | $1,480 | $791 |
| 26 | LOWER, LLC | 11 | 6.5% | $7,404 | $1,750 | $1,750 |
| 27 | PENNYMAC LOAN SERVICES, LLC | 10 | 6.058% | $7,720 | $1,051 | $3,723 |
| 28 | CORNERSTONE CAPITAL BANK, SSB | 9 | 6.125% | $4,982 | $0 | $5,535 |
| 29 | Equity Prime Mortgage LLC | 9 | 6.125% | $7,568 | $1,655 | $2,869 |
| 30 | AMERICAN FINANCIAL RESOURCES, INC. | 8 | 6.812% | $9,243 | $2,181 | $1,475 |
| 31 | NEWREZ LLC | 8 | 6.438% | $3,706 | $629 | $259 |
| 32 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 8 | 7.75% | $1,758 | $233 | $1,621 |
| 33 | Bank of America, National Association | 8 | 6.062% | $4,047 | $1,586 | $1,244 |
| 34 | USAA Federal Savings Bank | 8 | 6.625% | $3,656 | $69 | $773 |
| 35 | Neighborhood Mortgage Solutions | 7 | 5.45% | $6,273 | $3,835 | n/a |
| 36 | Primis Mortgage Company | 7 | 6.5% | $4,105 | $2,445 | $1,503 |
| 37 | WEYCO COMMUNITY CREDIT UNION | 7 | 5.45% | $5,972 | $3,675 | n/a |
| 38 | FREEDOM MORTGAGE CORPORATION | 7 | 6.25% | $9,866 | $2,126 | $2,525 |
| 39 | FIRST COMMUNITY MORTGAGE, INC. | 7 | 6.25% | $4,246 | $283 | $1,173 |
| 40 | 21st Mortgage Corporation | 7 | 9.52% | $6,653 | $4,045 | n/a |
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 Pitt figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Pitt County in 2025?
The median interest rate on closed home-purchase loans in Pitt County, North Carolina in 2025 was 6.375%, across 1,768 first-lien, owner-occupied loans. The middle half of borrowers got between 5.9% 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.