Albemarle Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Albemarle averaged
7.01%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.56% and
one month ago for the week of 2025-04-17, the
average rate was 6.98%.
Albemarle's average rate one year ago was 7.07%.
For refis of the same type during the week of 2025-05-22, the average rate
was 7.46%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Albemarle 30 Year Fixed Rate | 2025-05-22 | 7.01% |
| Albemarle 30 Year Fixed Rate Refi | 2025-05-22 | 7.46% |
| Albemarle 15 Year Fixed Rate | 2025-05-22 | 6.01% |
| Albemarle 15 Year Fixed Rate Refi | 2025-05-22 | 6.51% |
| Albemarle 30 Year FHA | 2025-05-22 | 6.05% |
| Albemarle 30 Year FHA Refi | 2025-05-22 | 6.81% |
| Albemarle 30 Year USDA | 2025-05-22 | 6.63% |
| Albemarle 30 Year USDA Refi | 2025-05-22 | 6.43% |
| Albemarle 30 Year VA | 2025-05-22 | 6.55% |
| Albemarle 30 Year VA Refi | 2025-05-22 | 6.42% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Albemarle, NC.
Albemarle Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Albemarle, NC market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Albemarle Average Closing Costs & Other Stats
Albemarle, NC's 98 lenders originated 1,745
loans during 2024. The total origination value was $387,365,000, with an average loan value of
$221,986.
Albemarle's average closing costs are $5,158.
The top Albemarle lender as defined by loan originations is STATE EMPLOYEES', with
145 loans originated. Their average total fees are
$4,502, which is $854
higher than the next largest lender,
Uwharrie Bank.
The lowest fee Albemarle lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($990), Uwharrie Bank ($3,648), Pinnacle Bank ($4,413), STATE EMPLOYEES' ($4,502) and Wells Fargo Bank ($4,955).
The lowest rate Albemarle lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.81%), LOANDEPOT.COM, LLC (5.98%), STATE EMPLOYEES' (6.49%), Wells Fargo Bank (6.50%) and Pinnacle Bank (6.62%).
Albemarle, NC Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| STATE EMPLOYEES' | $69,920,000 | $57,435,000 | -17.9% | 14.8% |
| Uwharrie Bank | $31,895,000 | $31,560,000 | -1.1% | 8.1% |
| MOVEMENT MORTGAGE, LLC | $32,870,000 | $30,975,000 | -5.8% | 8.0% |
| DHI MORTGAGE COMPANY, LTD. | $26,800,000 | $21,955,000 | -18.1% | 5.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $16,285,000 | $20,650,000 | 26.8% | 5.3% |
| QUICKEN LOANS, LLC | $13,775,000 | $19,200,000 | 39.4% | 5.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $12,675,000 | $14,505,000 | 14.4% | 3.7% |
| LOANDEPOT.COM, LLC | $9,395,000 | $14,295,000 | 52.2% | 3.7% |
| Mortgage Research Center, LLC | $5,745,000 | $8,705,000 | 51.5% | 2.2% |
| First Bank | $5,880,000 | $8,630,000 | 46.8% | 2.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $4,810,000 | $7,920,000 | 64.7% | 2.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $5,360,000 | $5,425,000 | 1.2% | 1.4% |
| Pinnacle Bank | $8,655,000 | $5,300,000 | -38.8% | 1.4% |
| Piedmont Federal Savings Bank | $4,705,000 | n/a | 1.2% | |
| SeaTrust Mortgage Company | $3,220,000 | $4,580,000 | 42.2% | 1.2% |
| FREEDOM MORTGAGE CORPORATION | $1,305,000 | $4,485,000 | 243.7% | 1.2% |
| TD Bank | $2,030,000 | $4,290,000 | 111.3% | 1.1% |
| Wells Fargo Bank | $7,070,000 | $4,105,000 | -41.9% | 1.1% |
| Truist | $4,815,000 | $4,035,000 | -16.2% | 1.0% |
| Alcova Mortgage LLC | $1,645,000 | $3,545,000 | 115.5% | 0.9% |
| GREYSTONE SERVICING COMPANY LLC | $3,405,000 | n/a | 0.9% | |
| First-Citizens Bank & Trust Company | $9,125,000 | $3,355,000 | -63.2% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $2,355,000 | $3,185,000 | 35.2% | 0.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,115,000 | $3,165,000 | 49.6% | 0.8% |
| American Security Mortgage Corp. | $3,595,000 | $3,155,000 | -12.2% | 0.8% |
| Bank of America | $1,700,000 | $2,550,000 | 50.0% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $3,115,000 | $2,430,000 | -22.0% | 0.6% |
| South State Bank | $1,875,000 | $2,125,000 | 13.3% | 0.5% |
| U.S. Bank | $1,660,000 | $2,080,000 | 25.3% | 0.5% |
| LOCAL GOVERNMENT FEDERAL CREDIT UNION | $11,670,000 | $1,965,000 | -83.2% | 0.5% |
| RELIANCE FIRST CAPITAL, LLC | $515,000 | $1,935,000 | 275.7% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,310,000 | $1,930,000 | 47.3% | 0.5% |
| UNION HOME MORTGAGE CORP. | $460,000 | $1,920,000 | 317.4% | 0.5% |
| BROKER SOLUTIONS, INC. | $920,000 | $1,885,000 | 104.9% | 0.5% |
| FOUNDERS FEDERAL CREDIT UNION | $3,100,000 | $1,880,000 | -39.4% | 0.5% |
| ZILLOW HOME LOANS, LLC | $625,000 | $1,875,000 | 200.0% | 0.5% |
| Plains Commerce Bank | $115,000 | $1,795,000 | 1,460.9% | 0.5% |
| CMG MORTGAGE, INC. | $2,575,000 | $1,730,000 | -32.8% | 0.4% |
| NEWREZ LLC | $880,000 | $1,700,000 | 93.2% | 0.4% |
| Truliant Federal Credit Union | $1,020,000 | $1,650,000 | 61.8% | 0.4% |
| AgFirst Farm Credit Bank | $2,200,000 | $1,565,000 | -28.9% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $595,000 | $1,565,000 | 163.0% | 0.4% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $155,000 | $1,495,000 | 864.5% | 0.4% |
| INTERCOASTAL MORTGAGE COMPANY | $710,000 | $1,390,000 | 95.8% | 0.4% |
| Fifth Third Bank | $1,175,000 | $1,385,000 | 17.9% | 0.4% |
| Equity Prime Mortgage LLC | $580,000 | $1,380,000 | 137.9% | 0.4% |
| CARDINAL FINANCIAL | $3,335,000 | $1,365,000 | -59.1% | 0.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | $205,000 | $1,345,000 | 556.1% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $560,000 | $1,320,000 | 135.7% | 0.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $405,000 | $1,265,000 | 212.3% | 0.3% |
| Regions Bank | $1,875,000 | $1,245,000 | -33.6% | 0.3% |
| Ixonia Bank | $285,000 | $1,210,000 | 324.6% | 0.3% |
| Citizens Bank | $280,000 | $1,145,000 | 308.9% | 0.3% |
| Ameris Bank | $4,920,000 | $1,085,000 | -77.9% | 0.3% |
| Carrington Mortgage Services, LLC | $980,000 | $1,045,000 | 6.6% | 0.3% |
| The Loan Store, Inc. | $225,000 | $965,000 | 328.9% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $965,000 | n/a | 0.2% | |
| GUARANTEED RATE, INC. | $1,075,000 | $955,000 | -11.2% | 0.2% |
| FIRST COMMUNITY MORTGAGE, INC. | $920,000 | n/a | 0.2% | |
| Atlantic Coast Mortgage, LLC | $1,215,000 | $885,000 | -27.2% | 0.2% |
| RBC Bank, (Georgia) | $845,000 | n/a | 0.2% | |
| HOMESIDE FINANCIAL, LLC | $885,000 | $820,000 | -7.3% | 0.2% |
| Magnolia Bank | $345,000 | $790,000 | 129.0% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $585,000 | $775,000 | 32.5% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $185,000 | $770,000 | 316.2% | 0.2% |
| Academy Bank | $765,000 | n/a | 0.2% | |
| Flagstar Bank, FSB | $1,360,000 | $760,000 | -44.1% | 0.2% |
| RESOURCE FINANCIAL SERVICES, INC. | $435,000 | $755,000 | 73.6% | 0.2% |
| First National Bank of Pennsylvania | $1,345,000 | $740,000 | -45.0% | 0.2% |
| DELMAR FINANCIAL COMPANY | $735,000 | n/a | 0.2% | |
| CASTLE & COOKE MORTGAGE, LLC | $680,000 | n/a | 0.2% | |
| CHARLOTTE METRO FEDERAL CREDIT UNION | $820,000 | $655,000 | -20.1% | 0.2% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,120,000 | $650,000 | -42.0% | 0.2% |
| Mid-Continent Funding, Inc. | $300,000 | $620,000 | 106.7% | 0.2% |
| GUILD MORTGAGE COMPANY | $1,080,000 | $615,000 | -43.1% | 0.2% |
| MID AMERICA MORTGAGE, INC. | $460,000 | $600,000 | 30.4% | 0.2% |
| Nations Lending Corporation | $325,000 | $600,000 | 84.6% | 0.2% |
| USAA Federal Savings Bank | $375,000 | $590,000 | 57.3% | 0.2% |
| CORNERSTONE HOME LENDING, INC. | $8,190,000 | $580,000 | -92.9% | 0.1% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $1,005,000 | $570,000 | -43.3% | 0.1% |
| JPMorgan Chase Bank | $555,000 | $565,000 | 1.8% | 0.1% |
| Waterstone Mortgage Corporation | $565,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $215,000 | $550,000 | 155.8% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $530,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $940,000 | $530,000 | -43.6% | 0.1% |
| United Community Bank | $530,000 | n/a | 0.1% | |
| Towne Bank | $630,000 | $500,000 | -20.6% | 0.1% |
| 21ST MORTGAGE CORPORATION | $75,000 | $495,000 | 560.0% | 0.1% |
| NBKC BANK | $295,000 | $490,000 | 66.1% | 0.1% |
| The Federal Savings Bank | $225,000 | $490,000 | 117.8% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $455,000 | n/a | 0.1% | |
| VERITAS FUNDING, LLC | $295,000 | $440,000 | 49.2% | 0.1% |
| FIRST BANCORP | $435,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $430,000 | n/a | 0.1% | |
| Texana Bank | $425,000 | n/a | 0.1% | |
| OPEN MORTGAGE, LLC | $325,000 | $415,000 | 27.7% | 0.1% |
| PLANET HOME LENDING, LLC | $405,000 | n/a | 0.1% | |
| First Federal Bank | $825,000 | $390,000 | -52.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $390,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $385,000 | n/a | 0.1% | |
| GEO-CORP, INC. | $385,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $375,000 | $380,000 | 1.3% | 0.1% |
| LATINO COMMUNITY CREDIT UNION | $965,000 | $370,000 | -61.7% | 0.1% |
| East Coast Capital Corp. | $365,000 | n/a | 0.1% | |
| NEXERA HOLDING LLC | $365,000 | n/a | 0.1% | |
| CenterBank | $345,000 | n/a | 0.1% | |
| OCMBC, INC. | $345,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $360,000 | $340,000 | -5.6% | 0.1% |
| BETTER MORTGAGE CORPORATION | $195,000 | $335,000 | 71.8% | 0.1% |
| EVERETT FINANCIAL, INC. | $635,000 | $335,000 | -47.2% | 0.1% |
| Kwik Mortgage Corporation | $335,000 | n/a | 0.1% | |
| Coastal Community Bank | $325,000 | n/a | 0.1% | |
| CONSUMERS COOPERATIVE CREDIT UNION | $325,000 | n/a | 0.1% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $325,000 | n/a | 0.1% | |
| FIRST HOME MORTGAGE CORPORATION | $325,000 | n/a | 0.1% | |
| EASTMAN | $315,000 | n/a | 0.1% | |
| FIRST MORTGAGE COMPANY, INC. | $305,000 | n/a | 0.1% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $305,000 | n/a | 0.1% | |
| Integrity Home Mortgage Corp | $235,000 | $295,000 | 25.5% | 0.1% |
| LEGEND LENDING CORPORATION | $150,000 | $295,000 | 96.7% | 0.1% |
| Prosperity Home Mortgage, LLC | $645,000 | $290,000 | -55.0% | 0.1% |
| Mortgage Assurance Inc. | $215,000 | $285,000 | 32.6% | 0.1% |
| TOWNE MORTGAGE COMPANY | $285,000 | n/a | 0.1% | |
| Gateway First Bank | $230,000 | $280,000 | 21.7% | 0.1% |
| JMAC LENDING, INC. | $275,000 | n/a | 0.1% | |
| Peoples State Bank | $275,000 | n/a | 0.1% | |
| T2 FINANCIAL LLC | $635,000 | $275,000 | -56.7% | 0.1% |
| NexBank | $565,000 | $265,000 | -53.1% | 0.1% |
| Northpointe Bank | $2,075,000 | $265,000 | -87.2% | 0.1% |
| ALLIANT CREDIT UNION | $255,000 | n/a | 0.1% | |
| Discover Bank | $420,000 | $255,000 | -39.3% | 0.1% |
| NP, Inc. | $245,000 | n/a | 0.1% | |
| LOANPAL, LLC | $55,000 | $240,000 | 336.4% | 0.1% |
| Figure Lending LLC | $225,000 | $235,000 | 4.4% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $970,000 | $235,000 | -75.8% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $225,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $370,000 | $210,000 | -43.2% | 0.1% |
| Keystone Funding, Inc. | $185,000 | n/a | 0.0% | |
| CLEARPATH LENDING | $235,000 | $175,000 | -25.5% | 0.0% |
| First Horizon Bank | $175,000 | n/a | 0.0% | |
| Peoples Bank | $285,000 | $175,000 | -38.6% | 0.0% |
| 1ST SIGNATURE LENDING, LLC | $165,000 | n/a | 0.0% | |
| Bank OZK | $165,000 | n/a | 0.0% | |
| MILEND, INC. | $165,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $155,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $1,095,000 | $155,000 | -85.8% | 0.0% |
| Northwest Federal Credit Union | $155,000 | n/a | 0.0% | |
| RF Renovo Management Company, LLC | $155,000 | n/a | 0.0% | |
| Encompass Lending Group, LP | $305,000 | $145,000 | -52.5% | 0.0% |
| American Airlines Federal Credit Union | $55,000 | $135,000 | 145.5% | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | $25,000 | $105,000 | 320.0% | 0.0% |
| Assurance Financial Group, L.L.C. | $105,000 | n/a | 0.0% | |
| First National Bank of America | $105,000 | n/a | 0.0% | |
| LENDINGONE, LLC | $105,000 | n/a | 0.0% | |
| PNC Bank | $380,000 | $105,000 | -72.4% | 0.0% |
| RADIUS FINANCIAL GROUP INC. | $105,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $160,000 | $105,000 | -34.4% | 0.0% |
| SPRING EQ, LLC | $55,000 | $90,000 | 63.6% | 0.0% |
| GMFS LLC | $85,000 | n/a | 0.0% | |
| The Park National Bank | $75,000 | n/a | 0.0% | |
| The Fidelity Bank | $510,000 | $55,000 | -89.2% | 0.0% |
| SHARONVIEW FEDERAL CREDIT UNION | $45,000 | n/a | 0.0% | |
| Loan Simple, Inc. | $15,000 | n/a | 0.0% |
Albemarle's top lender by overall market share is STATE EMPLOYEES', with 14.8% market share. In second place, with 8.1%, is Uwharrie Bank, having originated $31,560,000 in loans. In third place, with 8.0%, is MOVEMENT MORTGAGE, LLC, having originated $30,975,000 in loans. In fourth place, with 5.7%, is DHI MORTGAGE COMPANY, LTD., having originated $21,955,000 in loans. In fifth place, with 5.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $20,650,000 in loans.
Albemarle Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Albemarle (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $249,700 (7.6%) | $317,158 (-5.5%) | 0.00 | 250 |
| 2018-02-01 | $252,038 (2.4%) | $323,624 (-9.5%) | 0.00 | 235 |
| 2018-03-01 | $249,500 (2.6%) | $340,211 (-4.9%) | 0.00 | 240 |
| 2018-04-01 | $273,800 (9.6%) | $364,002 (0.6%) | 0.00 | 257 |
| 2018-05-01 | $275,375 (5.4%) | $366,403 (1.4%) | 0.00 | 270 |
| 2018-06-01 | $261,500 (-7.5%) | $368,046 (1.8%) | 0.00 | 281 |
| 2018-07-01 | $277,475 (-1.8%) | $385,101 (6.7%) | 0.00 | 285 |
| 2018-08-01 | $271,950 (-6.1%) | $382,707 (4.0%) | 0.00 | 294 |
| 2018-09-01 | $265,900 (-4.9%) | $374,651 (1.5%) | 0.00 | 312 |
| 2018-10-01 | $266,300 (-4.9%) | $379,381 (3.6%) | 0.00 | 301 |
| 2018-11-01 | $259,900 (-7.6%) | $373,556 (4.7%) | 0.00 | 286 |
| 2018-12-01 | $253,450 (-2.5%) | $376,032 (13.0%) | 0.00 | 263 |
| 2019-01-01 | $250,038 (0.1%) | $371,957 (17.3%) | 0.00 | 247 |
| 2019-02-01 | $257,175 (2.0%) | $372,687 (15.2%) | 0.00 | 248 |
| 2019-03-01 | $266,443 (6.8%) | $385,792 (13.4%) | 0.00 | 261 |
| 2019-04-01 | $274,850 (0.4%) | $390,659 (7.3%) | 0.00 | 283 |
| 2019-05-01 | $258,075 (-6.3%) | $375,046 (2.4%) | 0.00 | 320 |
| 2019-06-01 | $251,950 (-3.7%) | $365,085 (-0.8%) | 0.00 | 308 |
| 2019-07-01 | $249,900 (-9.9%) | $359,037 (-6.8%) | 0.00 | 290 |
| 2019-08-01 | $246,882 (-9.2%) | $345,197 (-9.8%) | 0.00 | 287 |
| 2019-09-01 | $242,955 (-8.6%) | $333,839 (-10.9%) | 0.00 | 293 |
| 2019-10-01 | $240,386 (-9.7%) | $327,417 (-13.7%) | 0.00 | 286 |
| 2019-11-01 | $249,900 (-3.9%) | $338,350 (-9.4%) | 0.00 | 263 |
| 2019-12-01 | $262,223 (3.5%) | $359,826 (-4.3%) | 0.00 | 237 |
| 2020-01-01 | $261,928 (4.8%) | $365,732 (-1.7%) | 0.00 | 201 |
| 2020-02-01 | $253,750 (-1.3%) | $361,941 (-2.9%) | 0.00 | 209 |
| 2020-03-01 | $257,450 (-3.4%) | $371,415 (-3.7%) | 0.00 | 220 |
| 2020-04-01 | $252,400 (-8.2%) | $366,785 (-6.1%) | 0.00 | 220 |
| 2020-05-01 | $259,900 (0.7%) | $390,782 (4.2%) | 0.00 | 191 |
| 2020-06-01 | $254,950 (1.2%) | $388,177 (6.3%) | 0.00 | 170 |
| 2020-07-01 | $254,950 (2.0%) | $394,569 (9.9%) | 0.00 | 155 |
| 2020-08-01 | $249,950 (1.2%) | $402,941 (16.7%) | 0.00 | 142 |
| 2020-09-01 | $239,625 (-1.4%) | $380,545 (14.0%) | 0.00 | 141 |
| 2020-10-01 | $250,000 (4.0%) | $385,612 (17.8%) | 0.00 | 133 |
| 2020-11-01 | $238,725 (-4.5%) | $387,290 (14.5%) | 0.00 | 127 |
| 2020-12-01 | $230,375 (-12.2%) | $390,798 (8.6%) | 0.00 | 119 |
| 2021-01-01 | $217,500 (-17.0%) | $382,084 (4.5%) | 0.00 | 104 |
| 2021-02-01 | $214,975 (-15.3%) | $388,759 (7.4%) | 0.00 | 93 |
| 2021-03-01 | $251,175 (-2.4%) | $389,505 (4.9%) | 0.00 | 84 |
| 2021-04-01 | $259,500 (2.8%) | $423,550 (15.5%) | 0.00 | 78 |
| 2021-05-01 | $269,000 (3.5%) | $418,557 (7.1%) | 0.00 | 94 |
| 2021-06-01 | $293,975 (15.3%) | $418,169 (7.7%) | 0.00 | 112 |
| 2021-07-01 | $299,900 (17.6%) | $429,433 (8.8%) | 0.00 | 106 |
| 2021-08-01 | $269,950 (8.0%) | $386,590 (-4.1%) | 0.00 | 128 |
| 2021-09-01 | $276,725 (15.5%) | $377,211 (-0.9%) | 0.00 | 122 |
| 2021-10-01 | $269,900 (8.0%) | $350,170 (-9.2%) | 0.00 | 108 |
| 2021-11-01 | $260,000 (8.9%) | $353,111 (-8.8%) | 0.00 | 90 |
| 2021-12-01 | $263,650 (14.4%) | $332,485 (-14.9%) | 0.00 | 96 |
| 2022-01-01 | $329,000 (51.3%) | $365,557 (-4.3%) | 0.00 | 80 |
| 2022-02-01 | $312,425 (45.3%) | $360,140 (-7.4%) | 0.00 | 62 |
| 2022-03-01 | $284,231 (13.2%) | $344,032 (-11.7%) | 0.00 | 67 |
| 2022-04-01 | $296,900 (14.4%) | $382,191 (-9.8%) | 0.00 | 71 |
| 2022-05-01 | $348,848 (29.7%) | $442,774 (5.8%) | 0.00 | 87 |
| 2022-06-01 | $348,200 (18.5%) | $423,458 (1.3%) | 0.00 | 96 |
| 2022-07-01 | $329,900 (10.0%) | $410,634 (-4.4%) | 0.00 | 127 |
| 2022-08-01 | $314,700 (16.6%) | $405,905 (5.0%) | 0.00 | 146 |
| 2022-09-01 | $301,175 (8.8%) | $364,699 (-3.3%) | 0.00 | 190 |
| 2022-10-01 | $319,950 (18.5%) | $389,162 (11.1%) | 0.00 | 203 |
| 2022-11-01 | $324,125 (24.7%) | $371,194 (5.1%) | 0.00 | 217 |
| 2022-12-01 | $302,500 (14.7%) | $348,402 (4.8%) | 0.00 | 195 |
| 2023-01-01 | $304,500 (-7.5%) | $349,129 (-4.5%) | 0.00 | 195 |
| 2023-02-01 | $330,000 (5.6%) | $402,787 (11.8%) | 0.00 | 168 |
| 2023-03-01 | $329,950 (16.1%) | $440,005 (27.9%) | 0.00 | 165 |
| 2023-04-01 | $329,900 (11.1%) | $437,923 (14.6%) | 0.00 | 152 |
| 2023-05-01 | $332,000 (-4.8%) | $460,610 (4.0%) | 0.00 | 138 |
| 2023-06-01 | $329,900 (-5.3%) | $444,581 (5.0%) | 0.00 | 155 |
| 2023-07-01 | $339,100 (2.8%) | $455,675 (11.0%) | 0.00 | 164 |
| 2023-08-01 | $347,225 (10.3%) | $461,942 (13.8%) | 0.00 | 160 |
| 2023-09-01 | $339,900 (12.9%) | $458,547 (25.7%) | 0.00 | 157 |
| 2023-10-01 | $357,963 (11.9%) | $463,681 (19.2%) | 0.00 | 168 |
| 2023-11-01 | $326,860 (0.8%) | $449,055 (21.0%) | 0.00 | 174 |
| 2023-12-01 | $325,000 (7.4%) | $454,878 (30.6%) | 0.00 | 175 |
| 2024-01-01 | $329,675 (8.3%) | $448,950 (28.6%) | 0.00 | 175 |
| 2024-02-01 | $340,350 (3.1%) | $480,827 (19.4%) | 0.00 | 162 |
| 2024-03-01 | $350,000 (6.1%) | $457,539 (4.0%) | 0.00 | 164 |
| 2024-04-01 | $360,875 (9.4%) | $462,667 (5.7%) | 0.00 | 158 |
| 2024-05-01 | $375,850 (13.2%) | $480,790 (4.4%) | 0.00 | 167 |
| 2024-06-01 | $352,200 (6.8%) | $469,550 (5.6%) | 0.00 | 177 |
| 2024-07-01 | $351,225 (3.6%) | $459,731 (0.9%) | 0.00 | 203 |
| 2024-08-01 | $351,450 (1.2%) | $443,326 (-4.0%) | 0.00 | 198 |
| 2024-09-01 | $350,000 (3.0%) | $426,749 (-6.9%) | 0.00 | 207 |
| 2024-10-01 | $349,950 (-2.2%) | $424,042 (-8.6%) | 0.00 | 215 |
| 2024-11-01 | $337,950 (3.4%) | $423,072 (-5.8%) | 0.00 | 225 |
| 2024-12-01 | $344,900 (6.1%) | $442,170 (-2.8%) | 0.00 | 207 |
| 2025-01-01 | $329,998 (0.1%) | $445,563 (-0.8%) | 0.00 | 193 |
| 2025-02-01 | $338,717 (-0.5%) | $467,716 (-2.7%) | 0.00 | 191 |
| 2025-03-01 | $337,449 (-3.6%) | $460,871 (0.7%) | 0.00 | 218 |
| 2025-04-01 | $366,250 (1.5%) | $522,056 (12.8%) | 0.00 | 228 |
Albemarle's median listing price for 2025-04-01 was $366,250, a difference of
$5,375
(1.5%) versus the prior year and
$28,801 versus the prior month.
Albemarle's median listing price comes in at 0% of the national average.
Albemarle's average listing price for 2025-04-01 was $522,056, a difference of $59,389 (12.8%) versus the prior year and $61,185 versus the prior month.
For the 2025-04-01 period, Albemarle had 228 MLS listings, a difference of 10 listings (5%) versus the prior month and 70 listings (44%) versus the prior year.
Albemarle's median listing price comes in at 0% of the national average.
Albemarle's average listing price for 2025-04-01 was $522,056, a difference of $59,389 (12.8%) versus the prior year and $61,185 versus the prior month.
For the 2025-04-01 period, Albemarle had 228 MLS listings, a difference of 10 listings (5%) versus the prior month and 70 listings (44%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Albemarle (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,957 sqft |
| 2018-02-01 | 0 days | 1,979 sqft |
| 2018-03-01 | 0 days | 1,953 sqft |
| 2018-04-01 | 0 days | 2,045 sqft |
| 2018-05-01 | 0 days | 2,019 sqft |
| 2018-06-01 | 0 days | 1,999 sqft |
| 2018-07-01 | 0 days | 1,999 sqft |
| 2018-08-01 | 0 days | 1,955 sqft |
| 2018-09-01 | 0 days | 1,824 sqft |
| 2018-10-01 | 0 days | 1,831 sqft |
| 2018-11-01 | 0 days | 1,840 sqft |
| 2018-12-01 | 0 days | 1,885 sqft |
| 2019-01-01 | 0 days | 1,812 sqft |
| 2019-02-01 | 0 days | 1,811 sqft |
| 2019-03-01 | 0 days | 1,828 sqft |
| 2019-04-01 | 0 days | 1,828 sqft |
| 2019-05-01 | 0 days | 1,824 sqft |
| 2019-06-01 | 0 days | 2,005 sqft |
| 2019-07-01 | 0 days | 2,009 sqft |
| 2019-08-01 | 0 days | 1,979 sqft |
| 2019-09-01 | 0 days | 1,986 sqft |
| 2019-10-01 | 0 days | 2,000 sqft |
| 2019-11-01 | 0 days | 1,911 sqft |
| 2019-12-01 | 0 days | 1,995 sqft |
| 2020-01-01 | 0 days | 1,981 sqft |
| 2020-02-01 | 0 days | 1,876 sqft |
| 2020-03-01 | 0 days | 1,842 sqft |
| 2020-04-01 | 0 days | 1,824 sqft |
| 2020-05-01 | 0 days | 1,866 sqft |
| 2020-06-01 | 0 days | 1,840 sqft |
| 2020-07-01 | 0 days | 1,921 sqft |
| 2020-08-01 | 0 days | 1,887 sqft |
| 2020-09-01 | 0 days | 1,793 sqft |
| 2020-10-01 | 0 days | 1,946 sqft |
| 2020-11-01 | 0 days | 1,838 sqft |
| 2020-12-01 | 0 days | 1,757 sqft |
| 2021-01-01 | 0 days | 1,732 sqft |
| 2021-02-01 | 0 days | 1,669 sqft |
| 2021-03-01 | 0 days | 1,684 sqft |
| 2021-04-01 | 0 days | 1,717 sqft |
| 2021-05-01 | 0 days | 1,800 sqft |
| 2021-06-01 | 0 days | 1,754 sqft |
| 2021-07-01 | 0 days | 1,774 sqft |
| 2021-08-01 | 0 days | 1,594 sqft |
| 2021-09-01 | 0 days | 1,628 sqft |
| 2021-10-01 | 0 days | 1,634 sqft |
| 2021-11-01 | 0 days | 1,633 sqft |
| 2021-12-01 | 0 days | 1,561 sqft |
| 2022-01-01 | 0 days | 1,738 sqft |
| 2022-02-01 | 0 days | 1,715 sqft |
| 2022-03-01 | 0 days | 1,669 sqft |
| 2022-04-01 | 0 days | 1,676 sqft |
| 2022-05-01 | 0 days | 1,792 sqft |
| 2022-06-01 | 0 days | 1,706 sqft |
| 2022-07-01 | 0 days | 1,670 sqft |
| 2022-08-01 | 0 days | 1,614 sqft |
| 2022-09-01 | 0 days | 1,589 sqft |
| 2022-10-01 | 0 days | 1,673 sqft |
| 2022-11-01 | 0 days | 1,632 sqft |
| 2022-12-01 | 0 days | 1,548 sqft |
| 2023-01-01 | 0 days | 1,538 sqft |
| 2023-02-01 | 0 days | 1,642 sqft |
| 2023-03-01 | 0 days | 1,617 sqft |
| 2023-04-01 | 0 days | 1,568 sqft |
| 2023-05-01 | 0 days | 1,698 sqft |
| 2023-06-01 | 0 days | 1,645 sqft |
| 2023-07-01 | 0 days | 1,736 sqft |
| 2023-08-01 | 0 days | 1,695 sqft |
| 2023-09-01 | 0 days | 1,664 sqft |
| 2023-10-01 | 0 days | 1,733 sqft |
| 2023-11-01 | 0 days | 1,620 sqft |
| 2023-12-01 | 0 days | 1,602 sqft |
| 2024-01-01 | 0 days | 1,594 sqft |
| 2024-02-01 | 0 days | 1,626 sqft |
| 2024-03-01 | 0 days | 1,622 sqft |
| 2024-04-01 | 0 days | 1,671 sqft |
| 2024-05-01 | 0 days | 1,778 sqft |
| 2024-06-01 | 0 days | 1,787 sqft |
| 2024-07-01 | 0 days | 1,775 sqft |
| 2024-08-01 | 0 days | 1,790 sqft |
| 2024-09-01 | 0 days | 1,757 sqft |
| 2024-10-01 | 0 days | 1,727 sqft |
| 2024-11-01 | 0 days | 1,701 sqft |
| 2024-12-01 | 0 days | 1,756 sqft |
| 2025-01-01 | 0 days | 1,683 sqft |
| 2025-02-01 | 0 days | 1,700 sqft |
| 2025-03-01 | 0 days | 1,717 sqft |
| 2025-04-01 | 0 days | 1,782 sqft |
Albemarle's median listing age (time on market) for 2025-04-01 was 0 days.
Albemarle's median square footage for active listings during the 2025-04-01 period was 1,782 sqft. One year prior, the average listing was 1,671 sqft.
Albemarle's median square footage for active listings during the 2025-04-01 period was 1,782 sqft. One year prior, the average listing was 1,671 sqft.
Albemarle, NC Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 925 | $267,075,000 | $288,730 |
| Cash Out Refi | 228 | $43,420,000 | $190,439 |
| Refi | 224 | $45,310,000 | $202,277 |
| Other | 198 | $18,060,000 | $91,212 |
| Home Improvement | 170 | $13,500,000 | $79,412 |
Albemarle's most frequently cited loan purpose was Home Purchase, with 925 originations. The 2nd most popular reason was Cash Out Refi, with 228 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 647 | $183,965,000 | $284,335 |
| 7-8% | 432 | $74,730,000 | $172,986 |
| Over 8% | 309 | $32,425,000 | $104,935 |
| 5-6% | 285 | $79,585,000 | $279,246 |
| 4-5% | 50 | $16,030,000 | $320,600 |
| <2.5% | 14 | $190,000 | $13,571 |
During 2024, Albemarle's most frequently originated rate bucket was 6-7%, with 647 originations.
Loan Sizing (Albemarle, NC MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 712 | $204,760,000 | $287,584 |
| $100,000 or less | 434 | $22,910,000 | $52,788 |
| $100k-200k | 420 | $61,760,000 | $147,048 |
| $400k-600k | 152 | $69,910,000 | $459,934 |
| $600k-1000k | 22 | $15,430,000 | $701,364 |
| $Over $1MM | 5 | $12,595,000 | $2,519,000 |
Albemarle's loan sizing saw the bucket of loans from $200k-400k with 712 originations, totaling $204,760,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 693 | $208,565,000 | $300,960 |
| 60-80% | 290 | $84,610,000 | $291,759 |
| Under 20% | 269 | $13,425,000 | $49,907 |
| 20-40% | 263 | $29,025,000 | $110,361 |
| 40-60% | 174 | $31,170,000 | $179,138 |
| Over 100% | 37 | $15,365,000 | $415,270 |
Albemarle's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 693 originations, totaling $208,565,000 in origination value.