GOLDSBORO Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Goldsboro averaged 6.04% for the week of 2022-05-12, compared to the national average of 5.3% for the same period.

The average rate for the prior week (2022-05-05) was 5.91% and one month ago for the week of 2022-04-07, the average rate was 5.26%.

Goldsboro's average rate one year ago was 3.4%.

For refis of the same type during the week of 2022-05-12, the average rate was 5.45%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-12 5.3%
Goldsboro 30 Year Fixed Rate 2022-05-12 6.04%
Goldsboro 30 Year Fixed Rate Refi 2022-05-12 5.45%
Goldsboro 15 Year Fixed Rate 2022-05-12 5.23%
Goldsboro 15 Year Fixed Rate Refi 2022-05-12 4.64%
Goldsboro 30 Year FHA 2022-05-12 5.58%
Goldsboro 30 Year FHA Refi 2022-05-12 5.38%
Goldsboro 30 Year USDA 2022-05-12 5.43%
Goldsboro 30 Year USDA Refi 2022-05-12 5.02%
Goldsboro 30 Year VA 2022-05-12 5.53%
Goldsboro 30 Year VA Refi 2022-05-12 5%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within GOLDSBORO, NC.

GOLDSBORO Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the GOLDSBORO, 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
STATE EMPLOYEES' 307 3.35% $3,449
Wells Fargo Bank 89 3.25% $2,539
QUICKEN LOANS, LLC 85 3.13% $4,542
Truist Bank 68 2.90% $3,305
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 56 3.35% $3,341
LOCAL GOVERNMENT FEDERAL CREDIT UNION 46 3.37% $3,406
MOVEMENT MORTGAGE, LLC 44 3.22% $2,933
CORNERSTONE HOME LENDING, INC. 29 3.12% $4,147
Southern Bank and Trust Company 24 3.11% $2,912
MICHIGAN MUTUAL, INC. 19 3.23% $2,726
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 15 3.13% $2,235
Alcova Mortgage LLC 14 3.24% $3,370
NAVY FEDERAL CREDIT UNION 12 4.33% $4,059
UNITED WHOLESALE MORTGAGE, LLC 11 3.02% $3,397
BETTER MORTGAGE CORPORATION 11 2.98% $2,716
Regions Bank 11 3.24% $3,437
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 11 3.07% $3,492
CRESCENT MORTGAGE COMPANY 9 3.38% $3,394
First-Citizens Bank & Trust Company 9 3.17% $3,319
Mr. Cooper ( Nationstar Mortgage ) 9 3.17% $4,517
PNC Bank 8 3.05% $4,288
FIRST COMMUNITY MORTGAGE, INC. 8 3.23% $1,931
Flagstar Bank, FSB 6 3.13% $3,019
Ameris Bank 6 3.06% $3,369
ANGEL OAK HOME LOANS LLC 6 3.29% $3,189
CALIBER HOME LOANS, INC. 6 3.02% $3,376
LOANDEPOT.COM, LLC 5 3.27% $6,497
GUARANTEED RATE, INC. 5 3.38% $3,385
Renasant Bank 5 3.07% $3,116
PENTAGON FEDERAL CREDIT UNION 5 2.90% $2,327
InterContinental Capital Group, Inc 5 3.05% $4,025
ACADEMY MORTGAGE CORPORATION 5 3.18% $4,229
CROSSCOUNTRY MORTGAGE, LLC 4 3.00% $4,593
RESIDENTIAL MORTGAGE SERVICES, INC. 4 3.06% $2,637
AMERICAN FINANCING CORPORATION 4 2.88% $2,516
AMERISAVE MORTGAGE CORPORATION 4 3.12% $6,754
PRIMELENDING, A PLAINSCAPITAL COMPANY 4 3.22% $4,602
American Security Mortgage Corp. 4 2.91% $3,375
Hometown Lenders, Inc. 4 3.38% $4,923
First Bank 4 2.19% $1,260
LATINO COMMUNITY CREDIT UNION 3 5.83% $2,716
AmeriHome Mortgage Company, LLC 3 3.21% $4,592
Nations Lending Corporation 3 3.67% $5,276
HOMESIDE FINANCIAL, LLC 3 2.96% $2,876
ROYAL UNITED MORTGAGE LLC 3 4.33% $3,531
Mortgage Research Center, LLC 3 3.00% $1,088
NFM, INC. 3 3.38% $4,318
PENNYMAC LOAN SERVICES, LLC 3 3.29% $4,816
South State Bank 3 3.21% $3,616
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 3 3.42% $1,836
EQUITY RESOURCES, INC. 3 3.46% $2,562
ZILLOW HOME LOANS, LLC 2 3.19% $3,263
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 3.31% $5,465
Blue Ridge Bank 2 4.00% $3,667
Corporate Investors Mortgage Group, Inc. 2 3.00% $2,481
EMM LOANS LLC 2 2.93% $2,775
GoPrime Mortgage, Inc. 2 3.31% $2,791
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 3.31% $3,349
HOME POINT FINANCIAL CORPORATION 2 3.18% $6,071
HOMESTEAD FUNDING CORP. 2 3.00% $3,134
JPMorgan Chase Bank 2 2.88% $726
NEWREZ LLC 2 3.13% $2,270
North American Savings Bank, F.S.B. 2 4.38% $2,832
North State Bank 2 3.00% $2,938
NTFN, INC. 2 3.94% $863
PROVIDENT FUNDING ASSOCIATES, L.P. 2 2.63% $2,787
RESOURCE FINANCIAL SERVICES, INC. 2 3.31% $2,735
SECURITYNATIONAL MORTGAGE COMPANY 2 3.50% $4,069
SIRVA MORTGAGE, INC. 2 3.00% $1,408
SUCCESS MORTGAGE PARTNERS, INC. 2 3.88% $2,655
THE MORTGAGE FIRM, INC. 2 2.94% $3,990
UNION HOME MORTGAGE CORP. 2 3.06% $3,807
Wyndham Capital Mortgage, Inc. 2 3.13% $2,656
Meridian Bank Corporation 1 3.50% $3,272
Metro City Bank 1 4.63% $5,221
First Heritage Mortgage, LLC 1 2.98% $2,851
First Guaranty Mortgage Corporation 1 4.88% $4,748
First Federal Bank of the Midwest 1 3.50% $2,326
EMBRACE HOME LOANS, INC. 1 2.88% $2,784
Discover Bank 1 5.49% $0
Deere Employees Credit Union 1 3.13% $3,152
AMERICAN INTERNET MORTGAGE, INC. 1 2.63% $3,048
COASTAL Federal Credit Union 1 3.13% $3,465
A&D Mortgage LLC 1 4.25% $5,543
United Community Bank 1 3.25% $2,943
AMERICAN FINANCIAL NETWORK, INC. 1 3.13% $12,172
OVM FINANCIAL, INC. 1 2.63% $3,734
Paramount Residential Mortgage Group, Inc. 1 3.25% $3,351
CMG MORTGAGE, INC. 1 2.99% $3,343
CHURCHILL MORTGAGE CORPORATION 1 3.25% $3,796
CERTAINTY HOME LOANS, LLC 1 3.63% $5,036
Prime Choice Funding Inc. 1 3.13% $1,852
Carrington Mortgage Services, LLC 1 3.50% $5,187
USAA Federal Savings Bank 1 3.13% $2,482
CANOPY MORTGAGE, LLC 1 2.75% $1,201
CALCON MUTUAL MORTGAGE LLC 1 3.38% $3,654
RELIANCE FIRST CAPITAL, LLC 1 5.50% $6,556
BROKER SOLUTIONS, INC. 1 2.99% $3,469
BELCO COMMUNITY CREDIT UNION 1 2.88% $4,984
U.S. Bank 1 3.88% $2,882
Bank of America 1 2.88% $3,028
VAN DYK MORTGAGE CORPORATION 1 3.25% $5,185
SHARONVIEW FEDERAL CREDIT UNION 1 3.00% $1,845
Watermark Capital, Inc. 1 2.63% $3,748
Axos Bank 1 2.88% $2,210
SOUTHERN TRUST MORTGAGE, LLC 1 3.00% $0
Arvest Bank 1 3.13% $3,903
SOVEREIGN LENDING GROUP INCORPORATED 1 3.88% $3,594
ARC HOME LLC 1 2.63% $3,080
AgCarolina Farm Credit, FLCA 1 4.17% $9,144
SUN WEST MORTGAGE COMPANY, INC. 1 3.25% $3,235
T2 FINANCIAL LLC 1 3.38% $8,903
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 2.88% $3,623
HOMESPIRE MORTGAGE CORPORATION 1 3.25% $2,874
The Federal Savings Bank 1 3.25% $2,512
GUILD MORTGAGE COMPANY 1 3.99% $2,330
INTERCOASTAL MORTGAGE COMPANY 1 3.25% $2,260
GUARANTEED RATE AFFINITY, LLC 1 2.75% $3,404
WINGS FINANCIAL 1 3.13% $2,760
KELLER MORTGAGE, LLC 1 3.00% $2,042
KS StateBank 1 2.88% $953
LADERA LENDING, INC. 1 2.75% $6,317
GENEVA FINANCIAL, LLC 1 3.38% $3,399
Gateway First Bank 1 2.50% $3,713
FREEDOM MORTGAGE CORPORATION 1 2.88% $2,195
Manufacturers and Traders Trust Company 1 3.63% $2,488

GOLDSBORO, NC's 126 lenders originated 4,008 loans during 2021. The total origination value was $709,800,000, with an average loan value of $177,096.

The top GOLDSBORO lender as defined by loan originations is STATE EMPLOYEES', with 307 loans originated. Their average total fees are $3,449, which is $910 higher than the next largest lender, Wells Fargo Bank.

The lowest fee GOLDSBORO lenders (with over 10 loans originated) are FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($2,235), Wells Fargo Bank ($2,539), BETTER MORTGAGE CORPORATION ($2,716), MICHIGAN MUTUAL, INC. ($2,726) and Southern Bank and Trust Company ($2,912).

The lowest rate GOLDSBORO lenders (with over 10 loans originated) are Truist Bank (2.90%), BETTER MORTGAGE CORPORATION (2.98%), UNITED WHOLESALE MORTGAGE, LLC (3.02%), CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (3.07%) and Southern Bank and Trust Company (3.11%).

GOLDSBORO, NC Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
STATE EMPLOYEES' $53,360,000 $95,325,000 78.6% 13.4%
Wells Fargo Bank $52,555,000 $65,120,000 23.9% 9.2%
QUICKEN LOANS, LLC $36,660,000 $52,355,000 42.8% 7.4%
MOVEMENT MORTGAGE, LLC $33,930,000 $33,715,000 -0.6% 4.7%
Truist Bank $39,605,000 $30,195,000 -23.8% 4.3%
FREEDOM MORTGAGE CORPORATION $34,270,000 $28,775,000 -16.0% 4.1%
Mortgage Research Center, LLC $25,290,000 $28,390,000 12.3% 4.0%
CORNERSTONE HOME LENDING, INC. $38,740,000 $26,675,000 -31.1% 3.8%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $1,355,000 $19,900,000 1,368.6% 2.8%
Southern Bank and Trust Company $15,885,000 $14,265,000 -10.2% 2.0%
NAVY FEDERAL CREDIT UNION $8,735,000 $12,620,000 44.5% 1.8%
LOCAL GOVERNMENT FEDERAL CREDIT UNION $5,015,000 $12,175,000 142.8% 1.7%
UNITED WHOLESALE MORTGAGE, LLC $9,370,000 $11,550,000 23.3% 1.6%
PENNYMAC LOAN SERVICES, LLC $3,665,000 $10,885,000 197.0% 1.5%
LAKEVIEW LOAN SERVICING, LLC $4,400,000 $10,640,000 141.8% 1.5%
USAA Federal Savings Bank $10,950,000 $10,445,000 -4.6% 1.5%
First-Citizens Bank & Trust Company $12,825,000 $9,540,000 -25.6% 1.3%
MICHIGAN MUTUAL, INC. $1,520,000 $8,595,000 465.5% 1.2%
LOANDEPOT.COM, LLC $2,810,000 $8,065,000 187.0% 1.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $4,080,000 $7,450,000 82.6% 1.0%
NEW DAY FINANCIAL, LLC $4,650,000 $5,560,000 19.6% 0.8%
WALKER & DUNLOP, LLC $5,515,000 n/a 0.8%
Mr. Cooper ( Nationstar Mortgage ) $3,400,000 $4,845,000 42.5% 0.7%
VILLAGE CAPITAL & INVESTMENT LLC $4,025,000 $4,770,000 18.5% 0.7%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,130,000 $4,575,000 304.9% 0.6%
BETTER MORTGAGE CORPORATION $1,180,000 $4,480,000 279.7% 0.6%
FIRST COMMUNITY MORTGAGE, INC. $2,665,000 $4,380,000 64.4% 0.6%
CALIBER HOME LOANS, INC. $2,985,000 $4,300,000 44.1% 0.6%
Hometown Lenders, Inc. $925,000 $4,270,000 361.6% 0.6%
CRESCENT MORTGAGE COMPANY $5,090,000 $4,255,000 -16.4% 0.6%
CROSSCOUNTRY MORTGAGE, LLC $2,510,000 $4,245,000 69.1% 0.6%
Carrington Mortgage Services, LLC $2,970,000 $4,240,000 42.8% 0.6%
American Security Mortgage Corp. $5,335,000 $4,110,000 -23.0% 0.6%
GUARANTEED RATE, INC. $1,400,000 $4,025,000 187.5% 0.6%
Alcova Mortgage LLC $1,440,000 $3,780,000 162.5% 0.5%
Regions Bank $5,685,000 $3,590,000 -36.9% 0.5%
PNC Bank $2,795,000 $3,295,000 17.9% 0.5%
PENTAGON FEDERAL CREDIT UNION $1,765,000 $3,200,000 81.3% 0.5%
CLEARPATH LENDING $5,535,000 $3,170,000 -42.7% 0.4%
HOME POINT FINANCIAL CORPORATION $2,545,000 $3,100,000 21.8% 0.4%
Ameris Bank $1,975,000 $2,860,000 44.8% 0.4%
ACADEMY MORTGAGE CORPORATION $3,695,000 $2,765,000 -25.2% 0.4%
AMERISAVE MORTGAGE CORPORATION $1,000,000 $2,685,000 168.5% 0.4%
Flagstar Bank, FSB $90,000 $2,635,000 2,827.8% 0.4%
The Federal Savings Bank $2,285,000 $2,565,000 12.3% 0.4%
KELLER MORTGAGE, LLC $195,000 $2,510,000 1,187.2% 0.4%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,050,000 $2,430,000 18.5% 0.3%
KS Bank, Inc. $3,645,000 $2,355,000 -35.4% 0.3%
RESIDENTIAL MORTGAGE SERVICES, INC. $1,700,000 $2,330,000 37.1% 0.3%
21ST MORTGAGE CORPORATION $870,000 $2,170,000 149.4% 0.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,105,000 $2,150,000 94.6% 0.3%
NFM, INC. $900,000 $2,035,000 126.1% 0.3%
InterContinental Capital Group, Inc $820,000 $2,010,000 145.1% 0.3%
CMG MORTGAGE, INC. $605,000 $1,895,000 213.2% 0.3%
HOMESPIRE MORTGAGE CORPORATION $1,090,000 $1,845,000 69.3% 0.3%
INTERCOASTAL MORTGAGE COMPANY $570,000 $1,845,000 223.7% 0.3%
NEWREZ LLC $1,560,000 $1,840,000 17.9% 0.3%
ANGEL OAK HOME LOANS LLC $895,000 $1,770,000 97.8% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $2,705,000 $1,765,000 -34.8% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $645,000 $1,760,000 172.9% 0.2%
RELIANCE FIRST CAPITAL, LLC $590,000 $1,750,000 196.6% 0.2%
AMERICAN FINANCING CORPORATION $1,080,000 $1,715,000 58.8% 0.2%
Nations Lending Corporation $1,420,000 $1,715,000 20.8% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $835,000 $1,685,000 101.8% 0.2%
BROKER SOLUTIONS, INC. $1,165,000 $1,555,000 33.5% 0.2%
AmeriHome Mortgage Company, LLC $330,000 $1,550,000 369.7% 0.2%
AMERIFIRST FINANCIAL CORPORATION $115,000 $1,545,000 1,243.5% 0.2%
UNION HOME MORTGAGE CORP. $405,000 $1,490,000 267.9% 0.2%
GoPrime Mortgage, Inc. $740,000 $1,485,000 100.7% 0.2%
Towne Mortgage of the Carolinas, LLC $1,015,000 $1,465,000 44.3% 0.2%
North American Savings Bank, F.S.B. $695,000 $1,450,000 108.6% 0.2%
ACCELERATE MORTGAGE, LLC $1,435,000 n/a 0.2%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $195,000 $1,415,000 625.6% 0.2%
NP, Inc. $370,000 $1,415,000 282.4% 0.2%
First Guaranty Mortgage Corporation $2,490,000 $1,335,000 -46.4% 0.2%
Wyndham Capital Mortgage, Inc. $540,000 $1,305,000 141.7% 0.2%
JPMorgan Chase Bank $400,000 $1,290,000 222.5% 0.2%
Renasant Bank $1,210,000 $1,290,000 6.6% 0.2%
THE MORTGAGE FIRM, INC. $680,000 $1,260,000 85.3% 0.2%
AgCarolina Farm Credit, FLCA $1,695,000 $1,240,000 -26.8% 0.2%
LENDINGHOME FUNDING CORPORATION $330,000 $1,225,000 271.2% 0.2%
HOMESIDE FINANCIAL, LLC $1,890,000 $1,100,000 -41.8% 0.2%
Barrington Bank & Trust Company, N.A. $1,840,000 $1,090,000 -40.8% 0.2%
First Bank $725,000 $1,085,000 49.7% 0.2%
North State Bank $1,685,000 $995,000 -40.9% 0.1%
Blue Ridge Bank $545,000 $965,000 77.1% 0.1%
Union Bank $2,320,000 $965,000 -58.4% 0.1%
EQUITY RESOURCES, INC. $2,260,000 $940,000 -58.4% 0.1%
Prosperity Home Mortgage, LLC $555,000 $935,000 68.5% 0.1%
SOUTHERN TRUST MORTGAGE, LLC $495,000 $935,000 88.9% 0.1%
PLANET HOME LENDING, LLC $1,265,000 $915,000 -27.7% 0.1%
Lakeview Community Capital, LLC $1,760,000 $845,000 -52.0% 0.1%
LATINO COMMUNITY CREDIT UNION $205,000 $800,000 290.2% 0.1%
EMBRACE HOME LOANS, INC. $700,000 $795,000 13.6% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $245,000 $790,000 222.4% 0.1%
HOMESTEAD FUNDING CORP. $400,000 $785,000 96.3% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $450,000 $775,000 72.2% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $1,675,000 $770,000 -54.0% 0.1%
Southern First Bank $755,000 n/a 0.1%
VAN DYK MORTGAGE CORPORATION $745,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $1,180,000 $695,000 -41.1% 0.1%
ROYAL UNITED MORTGAGE LLC $750,000 $695,000 -7.3% 0.1%
GUILD MORTGAGE COMPANY $665,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $320,000 $665,000 107.8% 0.1%
TOWNE MORTGAGE COMPANY $195,000 $660,000 238.5% 0.1%
United Bank $120,000 $655,000 445.8% 0.1%
Prime Choice Funding Inc. $640,000 n/a 0.1%
SIRVA MORTGAGE, INC. $510,000 $640,000 25.5% 0.1%
Paramount Residential Mortgage Group, Inc. $195,000 $620,000 217.9% 0.1%
DAS Acquisition Company, LLC $615,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $485,000 $575,000 18.6% 0.1%
Magnolia Bank $950,000 $570,000 -40.0% 0.1%
COASTAL Federal Credit Union $515,000 $530,000 2.9% 0.1%
EMM LOANS LLC $105,000 $530,000 404.8% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $270,000 $520,000 92.6% 0.1%
OVM FINANCIAL, INC. $315,000 $520,000 65.1% 0.1%
South State Bank $85,000 $495,000 482.4% 0.1%
FBC MORTGAGE, LLC $490,000 n/a 0.1%
AMCAP MORTGAGE, LTD. $485,000 n/a 0.1%
Bank of America $330,000 $485,000 47.0% 0.1%
T2 FINANCIAL LLC $155,000 $480,000 209.7% 0.1%
CAPITAL CENTER, L.L.C. $270,000 $470,000 74.1% 0.1%
Corporate Investors Mortgage Group, Inc. $470,000 n/a 0.1%
GENEVA FINANCIAL, LLC $320,000 $470,000 46.9% 0.1%
First Federal Bank $290,000 $465,000 60.3% 0.1%
Manufacturers and Traders Trust Company $465,000 n/a 0.1%
Select Bank & Trust Company $40,000 $465,000 1,062.5% 0.1%
First Heritage Mortgage, LLC $550,000 $455,000 -17.3% 0.1%
ZILLOW HOME LOANS, LLC $455,000 n/a 0.1%
Bank of England $65,000 $450,000 592.3% 0.1%
Low VA Rates, LLC $800,000 $450,000 -43.8% 0.1%
Arvest Bank $135,000 $440,000 225.9% 0.1%
ON Q FINANCIAL, INC. $445,000 $440,000 -1.1% 0.1%
Trustmark National Bank $165,000 $410,000 148.5% 0.1%
Colten Mortgage, LLC $405,000 n/a 0.1%
CONTOUR MORTGAGE CORPORATION $225,000 $400,000 77.8% 0.1%
NBKC BANK $1,050,000 $400,000 -61.9% 0.1%
Equity Prime Mortgage LLC $395,000 n/a 0.1%
United Community Bank $3,555,000 $375,000 -89.5% 0.1%
LOANLEADERS OF AMERICA, INC. $370,000 n/a 0.1%
INOVA FEDERAL CREDIT UNION $365,000 n/a 0.1%
U.S. Bank $945,000 $350,000 -63.0% 0.0%
Advisors Mortgage Group, L.L.C. $345,000 n/a 0.0%
Residential Mortgage Solutions, Inc. $335,000 n/a 0.0%
TIAA, FSB $335,000 n/a 0.0%
CERTAINTY HOME LOANS, LLC $125,000 $330,000 164.0% 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $480,000 $330,000 -31.3% 0.0%
UNITED SECURITY FINANCIAL CORP $295,000 $325,000 10.2% 0.0%
HAMILTON HOME LOANS, INC. $310,000 n/a 0.0%
Mid-Continent Funding, Inc. $145,000 $310,000 113.8% 0.0%
NTFN, INC. $310,000 n/a 0.0%
Armed Forces Bank $585,000 $285,000 -51.3% 0.0%
Fifth Third Bank $1,130,000 $280,000 -75.2% 0.0%
Capital Bank $195,000 $275,000 41.0% 0.0%
West Town Bank & Trust $320,000 $275,000 -14.1% 0.0%
C & F Mortgage Corporation $75,000 $265,000 253.3% 0.0%
Meridian Bank Corporation $265,000 n/a 0.0%
1ST SIGNATURE LENDING, LLC $255,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $255,000 n/a 0.0%
Metro City Bank $255,000 n/a 0.0%
LADERA LENDING, INC. $245,000 n/a 0.0%
PANORAMA MORTGAGE GROUP, LLC $245,000 n/a 0.0%
RESOURCE FINANCIAL SERVICES, INC. $185,000 $240,000 29.7% 0.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $165,000 $235,000 42.4% 0.0%
Plains Commerce Bank $175,000 $235,000 34.3% 0.0%
Benchmark Community Bank $95,000 $230,000 142.1% 0.0%
ABSOLUTE HOME MORTGAGE CORPORATION $225,000 n/a 0.0%
CALCON MUTUAL MORTGAGE LLC $65,000 $225,000 246.2% 0.0%
First Horizon Bank $225,000 n/a 0.0%
MORTGAGE EQUITY PARTNERS LLC $225,000 n/a 0.0%
RAPID MORTGAGE COMPANY $85,000 $225,000 164.7% 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $215,000 $215,000 0.0% 0.0%
First Midwest Bank $215,000 n/a 0.0%
KS StateBank $215,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $215,000 n/a 0.0%
CAROLINAS TELCO FEDERAL CREDIT UNION $145,000 $205,000 41.4% 0.0%
MILEND, INC. $570,000 $205,000 -64.0% 0.0%
BELCO COMMUNITY CREDIT UNION $195,000 n/a 0.0%
First Federal Bank of the Midwest $195,000 n/a 0.0%
LEADERONE FINANCIAL CORPORATION $145,000 $195,000 34.5% 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $190,000 n/a 0.0%
Axos Bank $245,000 $185,000 -24.5% 0.0%
PHH Mortgage Corporation $230,000 $185,000 -19.6% 0.0%
PLUS RELOCATION MORTGAGE, LLC $155,000 $185,000 19.4% 0.0%
STEARNS LENDING, LLC $185,000 n/a 0.0%
The Fidelity Bank $435,000 $185,000 -57.5% 0.0%
Watermark Capital, Inc. $185,000 n/a 0.0%
The Union Bank Company $175,000 n/a 0.0%
Shamrock Home Loans, Inc. $170,000 n/a 0.0%
Gateway First Bank $195,000 $165,000 -15.4% 0.0%
LOANPAL, LLC $240,000 $165,000 -31.3% 0.0%
SELF-HELP Credit Union $165,000 n/a 0.0%
SPRING EQ, LLC $25,000 $165,000 560.0% 0.0%
TJC Mortgage, Inc. $165,000 n/a 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $160,000 n/a 0.0%
BNC National Bank $435,000 $155,000 -64.4% 0.0%
First National Bank of Pennsylvania $155,000 n/a 0.0%
LENDINGONE, LLC $155,000 n/a 0.0%
SHARONVIEW FEDERAL CREDIT UNION $155,000 n/a 0.0%
AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. $145,000 n/a 0.0%
HomeTrust Bank $145,000 n/a 0.0%
JET HOMELOANS, LLC $145,000 n/a 0.0%
Towne Bank $1,135,000 $145,000 -87.2% 0.0%
WELCOME Federal Credit Union $145,000 n/a 0.0%
A&D Mortgage LLC $135,000 n/a 0.0%
GUARANTEED RATE AFFINITY, LLC $135,000 n/a 0.0%
AMERICAN ADVISORS GROUP $160,000 $130,000 -18.8% 0.0%
Deere Employees Credit Union $125,000 n/a 0.0%
EVERETT FINANCIAL, INC. $985,000 $125,000 -87.3% 0.0%
FIDELITY BANK $125,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $125,000 n/a 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $465,000 $115,000 -75.3% 0.0%
RUOFF MORTGAGE COMPANY, INC. $260,000 $115,000 -55.8% 0.0%
Figure Lending LLC $120,000 $110,000 -8.3% 0.0%
CANOPY MORTGAGE, LLC $105,000 n/a 0.0%
Citadel Servicing Corporation $105,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $105,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $640,000 $95,000 -85.2% 0.0%
Bethpage Federal Credit Union $95,000 n/a 0.0%
WINGS FINANCIAL $95,000 n/a 0.0%
Allen Tate Mortgage Partners, LLC $125,000 $85,000 -32.0% 0.0%
ARC HOME LLC $105,000 $75,000 -28.6% 0.0%
EASTMAN $75,000 n/a 0.0%
Home Mortgage Alliance Corp $75,000 n/a 0.0%
JUSTICE Federal Credit Union $75,000 n/a 0.0%
CSL Financial, LLC $45,000 $65,000 44.4% 0.0%
Discover Bank $90,000 $65,000 -27.8% 0.0%
TRIAD FINANCIAL SERVICES, INC. $90,000 $65,000 -27.8% 0.0%
HOMESTAR FINANCIAL CORPORATION $55,000 n/a 0.0%
ALLEGACY FEDERAL CREDIT UNION $45,000 n/a 0.0%
DUKE UNIVERSITY FEDERAL CREDIT UNION $45,000 n/a 0.0%
Truliant Federal Credit Union $35,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $25,000 $25,000 0.0% 0.0%
LANGLEY $65,000 $25,000 -61.5% 0.0%
PROPONENT Federal Credit Union $25,000 n/a 0.0%

GOLDSBORO's top lender by overall market share is STATE EMPLOYEES', with 13.4% market share. In second place, with 9.2%, is Wells Fargo Bank, having originated $65,120,000 in loans. In third place, with 7.4%, is QUICKEN LOANS, LLC, having originated $52,355,000 in loans. In third place, with 4.7%, is MOVEMENT MORTGAGE, LLC, having originated $33,715,000 in loans. In third place, with 4.3%, is Truist Bank, having originated $30,195,000 in loans.


GOLDSBORO, NC Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,881 $367,055,000 $195,138
Refi 1,490 $259,100,000 $173,893
Cash Out Refi 396 $66,720,000 $168,485
Other 134 $10,300,000 $76,866
Home Improvement 106 $6,540,000 $61,698
NA 1 $85,000 $85,000

Goldsboro's most frequently cited loan purpose was Home Purchase, with 1,881 originations. The 2nd most popular reason was Refi, with 1,490 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,524 $268,660,000 $176,286
3-4% 1,353 $237,165,000 $175,288
<2.5% 849 $168,215,000 $198,133
4-5% 163 $22,595,000 $138,620
Over 8% 33 $2,765,000 $83,788
5-6% 31 $3,615,000 $116,613
6-7% 16 $1,490,000 $93,125
7-8% 13 $1,395,000 $107,308

During 2021, Goldsboro's most frequently originated rate bucket was 2.5-3%, with 1,524 originations.

Loan Sizing (GOLDSBORO, NC MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,873 $282,465,000 $150,809
$200k-400k 1,378 $350,080,000 $254,049
$100,000 or less 704 $45,680,000 $64,886
$400k-600k 45 $20,285,000 $450,778
$600k-1000k 6 $4,470,000 $745,000
$Over $1MM 2 $6,820,000 $3,410,000

GOLDSBORO's loan sizing saw the bucket of loans from $100k-200k with 1,873 originations, totaling $282,465,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 2,013 $396,575,000 $197,007
60-80% 909 $152,645,000 $167,926
40-60% 341 $40,605,000 $119,076
Over 100% 212 $50,490,000 $238,160
20-40% 154 $10,950,000 $71,104
Under 20% 119 $3,435,000 $28,866

GOLDSBORO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,013 originations, totaling $396,575,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - GOLDSBORO (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 $172,900 (4.9%) $180,211 (0.7%) 0.00 482
2018-02-01 $170,900 (6.6%) $180,029 (2.9%) 0.00 462
2018-03-01 $169,900 (6.3%) $183,487 (5.0%) 0.00 415
2018-04-01 $164,950 (2.5%) $182,588 (1.7%) 0.00 436
2018-05-01 $165,950 (-0.9%) $183,335 (0.7%) 0.00 445
2018-06-01 $167,000 (1.3%) $185,775 (2.9%) 0.00 441
2018-07-01 $169,450 (2.8%) $187,641 (3.6%) 0.00 463
2018-08-01 $169,200 (5.8%) $184,449 (2.9%) 0.00 473
2018-09-01 $174,900 (8.0%) $187,271 (4.9%) 0.00 477
2018-10-01 $179,900 (10.1%) $190,958 (8.3%) 0.00 442
2018-11-01 $178,400 (6.6%) $188,326 (6.6%) 0.00 418
2018-12-01 $179,900 (4.7%) $188,510 (4.8%) 0.00 402
2019-01-01 $177,400 (2.6%) $186,490 (3.5%) 0.00 361
2019-02-01 $183,900 (7.6%) $193,684 (7.6%) 0.00 359
2019-03-01 $187,043 (10.1%) $195,838 (6.7%) 0.00 341
2019-04-01 $192,400 (16.6%) $200,841 (10.0%) 0.00 319
2019-05-01 $193,555 (16.6%) $200,988 (9.6%) 0.00 314
2019-06-01 $194,500 (16.5%) $200,154 (7.7%) 0.00 317
2019-07-01 $182,400 (7.6%) $193,741 (3.3%) 0.00 313
2019-08-01 $177,371 (4.8%) $190,171 (3.1%) 0.00 291
2019-09-01 $177,371 (1.4%) $190,413 (1.7%) 0.00 288
2019-10-01 $177,450 (-1.4%) $192,264 (0.7%) 0.00 290
2019-11-01 $185,000 (3.7%) $189,472 (0.6%) 0.00 274
2019-12-01 $189,700 (5.5%) $187,080 (-0.8%) 0.00 273
2020-01-01 $191,900 (8.2%) $188,646 (1.2%) 0.00 254
2020-02-01 $195,500 (6.3%) $192,534 (-0.6%) 0.00 237
2020-03-01 $189,700 (1.4%) $192,592 (-1.7%) 0.00 218
2020-04-01 $188,500 (-2.0%) $187,132 (-6.8%) 0.00 220
2020-05-01 $192,000 (-0.8%) $187,803 (-6.6%) 0.00 175
2020-06-01 $202,000 (3.9%) $203,069 (1.5%) 0.00 200
2020-07-01 $212,400 (16.5%) $205,043 (5.8%) 0.00 159
2020-08-01 $192,900 (8.8%) $200,651 (5.5%) 0.00 148
2020-09-01 $190,450 (7.4%) $203,841 (7.1%) 0.00 130
2020-10-01 $180,000 (1.4%) $212,798 (10.7%) 0.00 114
2020-11-01 $188,970 (2.2%) $213,930 (12.9%) 0.00 129
2020-12-01 $195,950 (3.3%) $228,065 (21.9%) 0.00 108
2021-01-01 $195,000 (1.6%) $230,852 (22.4%) 0.00 118
2021-02-01 $198,450 (1.5%) $240,128 (24.7%) 0.00 105
2021-03-01 $192,000 (1.2%) $218,138 (13.3%) 0.00 86
2021-04-01 $206,000 (9.3%) $239,455 (28.0%) 0.00 87
2021-05-01 $249,000 (29.7%) $254,657 (35.6%) 0.00 110
2021-06-01 $241,990 (19.8%) $246,101 (21.2%) 0.00 118
2021-07-01 $219,950 (3.6%) $234,981 (14.6%) 0.00 137
2021-08-01 $229,900 (19.2%) $237,747 (18.5%) 0.00 152
2021-09-01 $194,950 (2.4%) $211,728 (3.9%) 0.00 135
2021-10-01 $185,900 (3.3%) $202,628 (-4.8%) 0.00 129
2021-11-01 $187,450 (-0.8%) $228,945 (7.0%) 0.00 108
2021-12-01 $208,950 (6.6%) $232,390 (1.9%) 0.00 118
2022-01-01 $249,000 (27.7%) $255,905 (10.9%) 0.00 110
2022-02-01 $249,450 (25.7%) $254,584 (6.0%) 0.00 93
2022-03-01 $242,900 (26.5%) $255,067 (16.9%) 0.00 90
2022-04-01 $274,900 (33.5%) $271,046 (13.2%) 0.00 77
GOLDSBORO's median listing price for 2022-04-01 was $274,900, a difference of $68,900 (33.5%) versus the prior year and $32,000 versus the prior month.

GOLDSBORO's median listing price comes in at 0% of the national average.

GOLDSBORO's average listing price for 2022-04-01 was $271,046, a difference of $31,591 (13.2%) versus the prior year and $15,979 versus the prior month.

For the 2022-04-01 period, GOLDSBORO had 77 MLS listings, a difference of -13 listings (-14%) versus the prior month and -10 listings (-11%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - GOLDSBORO (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,860 sqft
2018-02-01 0 days 1,821 sqft
2018-03-01 0 days 1,865 sqft
2018-04-01 0 days 1,849 sqft
2018-05-01 0 days 1,835 sqft
2018-06-01 0 days 1,834 sqft
2018-07-01 0 days 1,859 sqft
2018-08-01 0 days 1,853 sqft
2018-09-01 0 days 1,860 sqft
2018-10-01 0 days 1,893 sqft
2018-11-01 0 days 1,884 sqft
2018-12-01 0 days 1,921 sqft
2019-01-01 0 days 1,922 sqft
2019-02-01 0 days 1,990 sqft
2019-03-01 0 days 2,011 sqft
2019-04-01 0 days 2,061 sqft
2019-05-01 0 days 2,091 sqft
2019-06-01 0 days 2,110 sqft
2019-07-01 0 days 2,094 sqft
2019-08-01 0 days 2,052 sqft
2019-09-01 0 days 2,011 sqft
2019-10-01 0 days 2,003 sqft
2019-11-01 0 days 1,916 sqft
2019-12-01 0 days 1,856 sqft
2020-01-01 0 days 1,907 sqft
2020-02-01 0 days 1,975 sqft
2020-03-01 0 days 1,999 sqft
2020-04-01 0 days 1,903 sqft
2020-05-01 0 days 1,926 sqft
2020-06-01 0 days 2,096 sqft
2020-07-01 0 days 2,189 sqft
2020-08-01 0 days 2,102 sqft
2020-09-01 0 days 2,024 sqft
2020-10-01 0 days 1,976 sqft
2020-11-01 0 days 1,865 sqft
2020-12-01 0 days 1,925 sqft
2021-01-01 0 days 1,770 sqft
2021-02-01 0 days 1,820 sqft
2021-03-01 0 days 1,726 sqft
2021-04-01 0 days 1,763 sqft
2021-05-01 0 days 1,895 sqft
2021-06-01 0 days 2,016 sqft
2021-07-01 0 days 1,915 sqft
2021-08-01 0 days 2,003 sqft
2021-09-01 0 days 1,813 sqft
2021-10-01 0 days 1,664 sqft
2021-11-01 0 days 1,772 sqft
2021-12-01 0 days 1,807 sqft
2022-01-01 0 days 1,975 sqft
2022-02-01 0 days 1,921 sqft
2022-03-01 0 days 1,759 sqft
2022-04-01 0 days 1,826 sqft
GOLDSBORO's median listing age (time on market) for 2022-04-01 was 0 days.

GOLDSBORO's median square footage for active listings during the 2022-04-01 period was 1,826 sqft. One year prior, the average listing was 1,763 sqft.