JACKSONVILLE Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Jacksonville averaged
6.77%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7% and
one month ago for the week of 2025-05-15, the
average rate was 6.87%.
Jacksonville's average rate one year ago was 6.91%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.81%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Jacksonville 30 Year Fixed Rate | 2025-06-18 | 6.77% |
| Jacksonville 30 Year Fixed Rate Refi | 2025-06-18 | 6.81% |
| Jacksonville 15 Year Fixed Rate | 2025-06-18 | 5.76% |
| Jacksonville 15 Year Fixed Rate Refi | 2025-06-18 | 6.56% |
| Jacksonville 30 Year FHA | 2025-06-18 | -0.15% |
| Jacksonville 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Jacksonville 30 Year USDA | 2025-06-18 | 0.1% |
| Jacksonville 30 Year USDA Refi | 2025-06-18 | 0.1% |
| Jacksonville 30 Year VA | 2025-06-18 | -0.04% |
| Jacksonville 30 Year VA Refi | 2025-06-18 | -0.53% |
JACKSONVILLE 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 JACKSONVILLE, 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.).
JACKSONVILLE Average Closing Costs & Other Stats
JACKSONVILLE, NC's 152 lenders originated 6,564
loans during 2024. The total origination value was $1,646,270,000, with an average loan value of
$250,803.
JACKSONVILLE's average closing costs are $5,681.
The top JACKSONVILLE lender as defined by loan originations is QUICKEN LOANS, LLC, with
95 loans originated. Their average total fees are
$6,393, which is $243
lower than the next largest lender,
MOVEMENT MORTGAGE, LLC.
The lowest fee JACKSONVILLE lenders (with over 10 loans originated) are
INTERCOASTAL MORTGAGE COMPANY ($3,491), STATE EMPLOYEES' ($4,200), NAVY FEDERAL CREDIT UNION ($4,539), NEWREZ LLC ($4,799) and GUILD MORTGAGE COMPANY ($5,008).
The lowest rate JACKSONVILLE lenders (with over 10 loans originated) are
STATE EMPLOYEES' (6.32%), Truist (6.49%), NAVY FEDERAL CREDIT UNION (6.54%), First-Citizens Bank & Trust Company (6.56%) and Wells Fargo Bank (6.68%).
JACKSONVILLE, 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 |
|---|---|---|---|---|
| NAVY FEDERAL CREDIT UNION | $149,930,000 | $174,820,000 | 16.6% | 10.6% |
| Mortgage Research Center, LLC | $110,455,000 | $139,140,000 | 26.0% | 8.5% |
| FREEDOM MORTGAGE CORPORATION | $53,375,000 | $117,300,000 | 119.8% | 7.1% |
| MOVEMENT MORTGAGE, LLC | $110,925,000 | $102,500,000 | -7.6% | 6.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $82,710,000 | $82,575,000 | -0.2% | 5.0% |
| GUILD MORTGAGE COMPANY | $48,165,000 | $76,615,000 | 59.1% | 4.7% |
| NEWREZ LLC | $47,675,000 | $74,205,000 | 55.6% | 4.5% |
| QUICKEN LOANS, LLC | $60,440,000 | $71,150,000 | 17.7% | 4.3% |
| GUARANTEED RATE, INC. | $62,760,000 | $41,560,000 | -33.8% | 2.5% |
| PENNYMAC LOAN SERVICES, LLC | $19,605,000 | $37,755,000 | 92.6% | 2.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $32,040,000 | $32,320,000 | 0.9% | 2.0% |
| First-Citizens Bank & Trust Company | $19,890,000 | $30,065,000 | 51.2% | 1.8% |
| Integrity Home Mortgage Corp | $4,200,000 | $28,930,000 | 588.8% | 1.8% |
| STATE EMPLOYEES' | $38,340,000 | $27,030,000 | -29.5% | 1.6% |
| PLAZA HOME MORTGAGE, INC. | $17,320,000 | $25,100,000 | 44.9% | 1.5% |
| VILLAGE CAPITAL MORTGAGE | $6,880,000 | $24,190,000 | 251.6% | 1.5% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $26,245,000 | $19,345,000 | -26.3% | 1.2% |
| T2 FINANCIAL LLC | $1,210,000 | $18,860,000 | 1,458.7% | 1.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $11,265,000 | $17,880,000 | 58.7% | 1.1% |
| American Security Mortgage Corp. | $13,970,000 | $15,765,000 | 12.8% | 1.0% |
| DHI MORTGAGE COMPANY, LTD. | $18,750,000 | $15,490,000 | -17.4% | 0.9% |
| USAA Federal Savings Bank | $12,920,000 | $11,610,000 | -10.1% | 0.7% |
| Truist | $35,115,000 | $11,055,000 | -68.5% | 0.7% |
| FBC MORTGAGE, LLC | $2,830,000 | $10,395,000 | 267.3% | 0.6% |
| CMG MORTGAGE, INC. | $6,445,000 | $10,130,000 | 57.2% | 0.6% |
| SeaTrust Mortgage Company | $16,055,000 | $9,975,000 | -37.9% | 0.6% |
| INTERCOASTAL MORTGAGE COMPANY | $25,005,000 | $9,600,000 | -61.6% | 0.6% |
| JET HOMELOANS, LLC | $10,625,000 | $9,320,000 | -12.3% | 0.6% |
| First Bank | $12,375,000 | $8,610,000 | -30.4% | 0.5% |
| LOANDEPOT.COM, LLC | $11,265,000 | $8,335,000 | -26.0% | 0.5% |
| Bank of America | $3,170,000 | $7,780,000 | 145.4% | 0.5% |
| UNION HOME MORTGAGE CORP. | $7,080,000 | $7,740,000 | 9.3% | 0.5% |
| NEW DAY FINANCIAL, LLC | $5,960,000 | $7,685,000 | 28.9% | 0.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,450,000 | $7,440,000 | 203.7% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $10,940,000 | $7,095,000 | -35.1% | 0.4% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $4,065,000 | $6,850,000 | 68.5% | 0.4% |
| Marine Federal Credit Union | $6,265,000 | $6,695,000 | 6.9% | 0.4% |
| LENDINGHOME FUNDING CORPORATION | $4,580,000 | $6,395,000 | 39.6% | 0.4% |
| NBKC BANK | $4,125,000 | $6,255,000 | 51.6% | 0.4% |
| First National Bank of Pennsylvania | $7,410,000 | $6,170,000 | -16.7% | 0.4% |
| PNC Bank | $7,275,000 | $6,150,000 | -15.5% | 0.4% |
| North State Bank | $1,265,000 | $6,145,000 | 385.8% | 0.4% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $6,125,000 | n/a | 0.4% | |
| Towne Bank | $3,825,000 | $5,890,000 | 54.0% | 0.4% |
| Wells Fargo Bank | $10,430,000 | $5,625,000 | -46.1% | 0.3% |
| Carrington Mortgage Services, LLC | $3,260,000 | $5,540,000 | 69.9% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $3,855,000 | $5,270,000 | 36.7% | 0.3% |
| The Loan Store, Inc. | $1,330,000 | $5,195,000 | 290.6% | 0.3% |
| BROKER SOLUTIONS, INC. | $2,535,000 | $4,890,000 | 92.9% | 0.3% |
| PLANET HOME LENDING, LLC | $1,445,000 | $4,870,000 | 237.0% | 0.3% |
| The Federal Savings Bank | $7,925,000 | $4,870,000 | -38.5% | 0.3% |
| Mid-Continent Funding, Inc. | $2,060,000 | $4,695,000 | 127.9% | 0.3% |
| Southern Bank and Trust Company | $4,475,000 | $4,655,000 | 4.0% | 0.3% |
| JPMorgan Chase Bank | $3,105,000 | $4,170,000 | 34.3% | 0.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,860,000 | $4,090,000 | 119.9% | 0.2% |
| CLEARPATH LENDING | $1,345,000 | $3,750,000 | 178.8% | 0.2% |
| First Federal Bank | $1,805,000 | $3,730,000 | 106.6% | 0.2% |
| AgCarolina Farm Credit, FLCA | $3,665,000 | n/a | 0.2% | |
| Prosperity Home Mortgage, LLC | $3,315,000 | $3,375,000 | 1.8% | 0.2% |
| CORNERSTONE HOME LENDING, INC. | $5,645,000 | $3,370,000 | -40.3% | 0.2% |
| 21ST MORTGAGE CORPORATION | $2,915,000 | $3,185,000 | 9.3% | 0.2% |
| A&D Mortgage LLC | $1,950,000 | $3,120,000 | 60.0% | 0.2% |
| Sound Bank | $2,960,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $670,000 | $2,795,000 | 317.2% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $4,065,000 | $2,780,000 | -31.6% | 0.2% |
| Coastal Bank & Trust | $6,045,000 | $2,720,000 | -55.0% | 0.2% |
| Flagstar Bank, FSB | $2,065,000 | $2,680,000 | 29.8% | 0.2% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $1,225,000 | $2,640,000 | 115.5% | 0.2% |
| DOMINION FINANCIAL SERVICES, LLC | $360,000 | $2,635,000 | 631.9% | 0.2% |
| AmeriHome Mortgage Company, LLC | $370,000 | $2,535,000 | 585.1% | 0.2% |
| NFM, INC. | $1,535,000 | $2,435,000 | 58.6% | 0.1% |
| Morgan Stanley Private Bank | $1,085,000 | $2,425,000 | 123.5% | 0.1% |
| Alcova Mortgage LLC | $1,975,000 | $2,300,000 | 16.5% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $4,490,000 | $2,165,000 | -51.8% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,180,000 | $2,150,000 | 82.2% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $1,230,000 | $2,140,000 | 74.0% | 0.1% |
| CORNING | $800,000 | $2,135,000 | 166.9% | 0.1% |
| Corporate Investors Mortgage Group, Inc. | $1,025,000 | $2,135,000 | 108.3% | 0.1% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $2,085,000 | n/a | 0.1% | |
| Atlantic Coast Mortgage, LLC | $6,315,000 | $2,005,000 | -68.3% | 0.1% |
| Presidential Bank, FSB | $1,995,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $1,780,000 | $1,860,000 | 4.5% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $4,100,000 | $1,840,000 | -55.1% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,050,000 | $1,710,000 | 62.9% | 0.1% |
| Plains Commerce Bank | $1,340,000 | $1,680,000 | 25.4% | 0.1% |
| CARDINAL FINANCIAL | $4,470,000 | $1,670,000 | -62.6% | 0.1% |
| Renasant Bank | $2,910,000 | $1,610,000 | -44.7% | 0.1% |
| Gateway First Bank | $1,940,000 | $1,595,000 | -17.8% | 0.1% |
| Equity Prime Mortgage LLC | $1,870,000 | $1,575,000 | -15.8% | 0.1% |
| M&T Bank | $290,000 | $1,535,000 | 429.3% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,600,000 | $1,470,000 | -8.1% | 0.1% |
| The Gratz Bank | $1,455,000 | n/a | 0.1% | |
| RELIANCE FIRST CAPITAL, LLC | $1,615,000 | $1,440,000 | -10.8% | 0.1% |
| Lakeview Community Capital, LLC | $405,000 | $1,405,000 | 246.9% | 0.1% |
| Armed Forces Bank | $720,000 | $1,395,000 | 93.8% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $1,390,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $435,000 | $1,365,000 | 213.8% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $1,355,000 | n/a | 0.1% | |
| The Fidelity Bank | $1,120,000 | $1,355,000 | 21.0% | 0.1% |
| Blue Ridge Bank | $2,125,000 | $1,320,000 | -37.9% | 0.1% |
| Discover Bank | $1,250,000 | $1,275,000 | 2.0% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $1,070,000 | $1,250,000 | 16.8% | 0.1% |
| Providence Bank | $1,250,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $1,025,000 | $1,225,000 | 19.5% | 0.1% |
| Ameris Bank | $1,545,000 | $1,215,000 | -21.4% | 0.1% |
| S&T Bank | $1,205,000 | n/a | 0.1% | |
| Credence Funding Corporation | $235,000 | $1,200,000 | 410.6% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,390,000 | $1,195,000 | -14.0% | 0.1% |
| RAPID MORTGAGE COMPANY | $285,000 | $1,195,000 | 319.3% | 0.1% |
| Keystone Funding, Inc. | $1,175,000 | n/a | 0.1% | |
| LIMA ONE CAPITAL, LLC | $5,475,000 | $1,175,000 | -78.5% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,290,000 | $1,170,000 | -9.3% | 0.1% |
| AMWEST FUNDING CORP. | $555,000 | $1,160,000 | 109.0% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $800,000 | $1,130,000 | 41.3% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $1,115,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $1,100,000 | n/a | 0.1% | |
| SOUTHERN TRUST MORTGAGE, LLC | $740,000 | $1,090,000 | 47.3% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $2,915,000 | $1,080,000 | -63.0% | 0.1% |
| FIRST HOME MORTGAGE CORPORATION | $915,000 | $1,070,000 | 16.9% | 0.1% |
| LOANPAL, LLC | $1,495,000 | $1,060,000 | -29.1% | 0.1% |
| Commerce Home Mortgage, Inc. | $355,000 | $1,055,000 | 197.2% | 0.1% |
| Figure Lending LLC | $985,000 | $1,045,000 | 6.1% | 0.1% |
| Farmers Bank & Trust | $1,050,000 | $975,000 | -7.1% | 0.1% |
| Pinnacle Bank | $715,000 | $970,000 | 35.7% | 0.1% |
| American Airlines Federal Credit Union | $205,000 | $960,000 | 368.3% | 0.1% |
| ACOPIA, LLC | $240,000 | $955,000 | 297.9% | 0.1% |
| Ixonia Bank | $955,000 | n/a | 0.1% | |
| GUARANTEED RATE AFFINITY, LLC | $570,000 | $935,000 | 64.0% | 0.1% |
| LOANFLIGHT LENDING, LLC | $935,000 | n/a | 0.1% | |
| COASTAL Federal Credit Union | $5,375,000 | $915,000 | -83.0% | 0.1% |
| Fifth Third Bank | $1,435,000 | $905,000 | -36.9% | 0.1% |
| BMO Harris Bank | $475,000 | $895,000 | 88.4% | 0.1% |
| U.S. Bank | $1,745,000 | $880,000 | -49.6% | 0.1% |
| Citizens Bank | $2,685,000 | $865,000 | -67.8% | 0.1% |
| EVERETT FINANCIAL, INC. | $305,000 | $850,000 | 178.7% | 0.1% |
| NexBank | $840,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $1,995,000 | $830,000 | -58.4% | 0.1% |
| MICHIGAN MUTUAL, INC. | $895,000 | $830,000 | -7.3% | 0.1% |
| BETTER MORTGAGE CORPORATION | $560,000 | $770,000 | 37.5% | 0.0% |
| Waterstone Mortgage Corporation | $760,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $540,000 | $750,000 | 38.9% | 0.0% |
| Citadel Servicing Corporation | $730,000 | n/a | 0.0% | |
| Nations Lending Corporation | $910,000 | $730,000 | -19.8% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $1,055,000 | $725,000 | -31.3% | 0.0% |
| Cornerstone First Mortgage, Inc | $325,000 | $720,000 | 121.5% | 0.0% |
| Community State Bank of Orbisonia | $695,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $695,000 | n/a | 0.0% | |
| United Bank | $1,720,000 | $690,000 | -59.9% | 0.0% |
| RADIUS FINANCIAL GROUP INC. | $1,030,000 | $685,000 | -33.5% | 0.0% |
| JMAC LENDING, INC. | $225,000 | $680,000 | 202.2% | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | $570,000 | $680,000 | 19.3% | 0.0% |
| South State Bank | $1,190,000 | $680,000 | -42.9% | 0.0% |
| EQUITY RESOURCES, INC. | $2,540,000 | $675,000 | -73.4% | 0.0% |
| CAPITAL CENTER, L.L.C. | $405,000 | $665,000 | 64.2% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $1,590,000 | $660,000 | -58.5% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $180,000 | $660,000 | 266.7% | 0.0% |
| Magnolia Bank | $590,000 | $660,000 | 11.9% | 0.0% |
| THE MORTGAGE LINK, INC. | $660,000 | n/a | 0.0% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $645,000 | n/a | 0.0% | |
| FIRST COMMUNITY MORTGAGE, INC. | $600,000 | $620,000 | 3.3% | 0.0% |
| EMM LOANS LLC | $245,000 | $610,000 | 149.0% | 0.0% |
| WINGS FINANCIAL | $595,000 | n/a | 0.0% | |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $590,000 | n/a | 0.0% | |
| First Horizon Bank | $590,000 | n/a | 0.0% | |
| Mortgage Assurance Inc. | $580,000 | n/a | 0.0% | |
| Paragon Bank | $605,000 | $580,000 | -4.1% | 0.0% |
| LOCAL GOVERNMENT FEDERAL CREDIT UNION | $3,575,000 | $570,000 | -84.1% | 0.0% |
| Coastal Community Bank | $565,000 | n/a | 0.0% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,770,000 | $550,000 | -68.9% | 0.0% |
| ALLIANT CREDIT UNION | $545,000 | n/a | 0.0% | |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $305,000 | $545,000 | 78.7% | 0.0% |
| SPRING EQ, LLC | $280,000 | $540,000 | 92.9% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $535,000 | n/a | 0.0% | |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | $525,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $505,000 | n/a | 0.0% | |
| First National Bank of America | $410,000 | $490,000 | 19.5% | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | $470,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $265,000 | $470,000 | 77.4% | 0.0% |
| Northwestern Bank | $465,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $705,000 | $460,000 | -34.8% | 0.0% |
| Deseret First Credit Union | $455,000 | n/a | 0.0% | |
| INTERCAP LENDING INC. | $455,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $2,160,000 | $450,000 | -79.2% | 0.0% |
| Hometown Equity Mortgage, LLC | $445,000 | n/a | 0.0% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $470,000 | $445,000 | -5.3% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $85,000 | $445,000 | 423.5% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $525,000 | $435,000 | -17.1% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $420,000 | n/a | 0.0% | |
| Northpointe Bank | $2,675,000 | $415,000 | -84.5% | 0.0% |
| Goldwater Bank, N.A. | $405,000 | n/a | 0.0% | |
| The Huntington National Bank | $640,000 | $405,000 | -36.7% | 0.0% |
| TOWNE MORTGAGE COMPANY | $1,875,000 | $405,000 | -78.4% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $185,000 | $400,000 | 116.2% | 0.0% |
| AMERICAN FINANCING CORPORATION | $505,000 | $400,000 | -20.8% | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | $325,000 | $395,000 | 21.5% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $395,000 | n/a | 0.0% | |
| GoPrime Mortgage, Inc. | $1,640,000 | $390,000 | -76.2% | 0.0% |
| Atlantic Union Bank | $375,000 | n/a | 0.0% | |
| BAYSHORE MORTGAGE FUNDING, LLC | $735,000 | $375,000 | -49.0% | 0.0% |
| RESOURCE FINANCIAL SERVICES, INC. | $1,185,000 | $375,000 | -68.4% | 0.0% |
| TJC Mortgage, Inc. | $375,000 | n/a | 0.0% | |
| United Nations Federal Credit Union | $375,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $500,000 | $370,000 | -26.0% | 0.0% |
| Loan Simple, Inc. | $365,000 | n/a | 0.0% | |
| FRONTWAVE | $355,000 | n/a | 0.0% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $355,000 | $350,000 | -1.4% | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | $445,000 | $345,000 | -22.5% | 0.0% |
| BOND STREET MORTGAGE, LLC | $225,000 | $340,000 | 51.1% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $335,000 | n/a | 0.0% | |
| North Shore Trust and Savings | $335,000 | n/a | 0.0% | |
| SUMMIT FUNDING, INC. | $335,000 | n/a | 0.0% | |
| GVC MORTGAGE, INC. | $325,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $115,000 | $315,000 | 173.9% | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | $215,000 | $315,000 | 46.5% | 0.0% |
| MILLENNIUM FINANCIAL GROUP, INC. | $305,000 | n/a | 0.0% | |
| NEXERA HOLDING LLC | $305,000 | n/a | 0.0% | |
| POINT Mortgage | $305,000 | n/a | 0.0% | |
| UNITED PREMIER FUNDING, LLC | $305,000 | n/a | 0.0% | |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | $300,000 | n/a | 0.0% | |
| Community First National Bank | $295,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $265,000 | $295,000 | 11.3% | 0.0% |
| MILEND, INC. | $790,000 | $285,000 | -63.9% | 0.0% |
| CANOPY MORTGAGE, LLC | $185,000 | $275,000 | 48.6% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $275,000 | n/a | 0.0% | |
| OCMBC, INC. | $955,000 | $275,000 | -71.2% | 0.0% |
| Strong Home Mortgage, LLC | $490,000 | $275,000 | -43.9% | 0.0% |
| SWBC MORTGAGE CORPORATION | $305,000 | $275,000 | -9.8% | 0.0% |
| LENDINGONE, LLC | $380,000 | $270,000 | -28.9% | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | $265,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $800,000 | $265,000 | -66.9% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $165,000 | $265,000 | 60.6% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $580,000 | $260,000 | -55.2% | 0.0% |
| BAY EQUITY LLC | $265,000 | $255,000 | -3.8% | 0.0% |
| Sandy Spring Bank | $255,000 | n/a | 0.0% | |
| Southern Bank of Tennessee | $255,000 | n/a | 0.0% | |
| Bank of England | $560,000 | $245,000 | -56.3% | 0.0% |
| Pacific Lending LLC | $245,000 | n/a | 0.0% | |
| UNITED MORTGAGE CORP | $245,000 | n/a | 0.0% | |
| NMSI, INC. | $235,000 | n/a | 0.0% | |
| UNIVERSITY Federal Credit Union | $235,000 | n/a | 0.0% | |
| Service Federal Credit Union | $230,000 | n/a | 0.0% | |
| Century Mortgage Company DBA Century Lending Company | $580,000 | $225,000 | -61.2% | 0.0% |
| COMPASS MORTGAGE, INC. | $225,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $225,000 | n/a | 0.0% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $620,000 | $225,000 | -63.7% | 0.0% |
| Brighton Bank | $215,000 | n/a | 0.0% | |
| East Coast Capital Corp. | $345,000 | $215,000 | -37.7% | 0.0% |
| FOUNDERS FEDERAL CREDIT UNION | $525,000 | $215,000 | -59.0% | 0.0% |
| GSF Mortgage Corporation | $105,000 | $215,000 | 104.8% | 0.0% |
| NEW WAVE LENDING GROUP INC | $215,000 | n/a | 0.0% | |
| Bank of Ann Arbor | $205,000 | n/a | 0.0% | |
| Home Mortgage Alliance Corp | $205,000 | n/a | 0.0% | |
| KeyBank | $145,000 | $205,000 | 41.4% | 0.0% |
| VERITAS FUNDING, LLC | $205,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $205,000 | $200,000 | -2.4% | 0.0% |
| TD Bank | $2,460,000 | $200,000 | -91.9% | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | $195,000 | n/a | 0.0% | |
| Summit Credit Union | $195,000 | n/a | 0.0% | |
| FIRST FLIGHT FEDERAL CREDIT UNION | $190,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $190,000 | n/a | 0.0% | |
| Arvest Bank | $185,000 | n/a | 0.0% | |
| CONSTRUCTIVE LOANS, LLC | $185,000 | n/a | 0.0% | |
| First Savings Bank | $185,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $235,000 | $185,000 | -21.3% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $655,000 | $185,000 | -71.8% | 0.0% |
| CSL Financial, LLC | $55,000 | $180,000 | 227.3% | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | $175,000 | n/a | 0.0% | |
| General Mortgage Capital Corporation | $175,000 | n/a | 0.0% | |
| Truliant Federal Credit Union | $1,645,000 | $175,000 | -89.4% | 0.0% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $165,000 | n/a | 0.0% | |
| National Bank of St. Anne | $165,000 | n/a | 0.0% | |
| SELF-HELP Credit Union | $290,000 | $165,000 | -43.1% | 0.0% |
| First Carolina Bank | $155,000 | n/a | 0.0% | |
| F & M BANK CORP. | $295,000 | $155,000 | -47.5% | 0.0% |
| LANGLEY | $155,000 | n/a | 0.0% | |
| TIDEWATER MORTGAGE SERVICES, INC. | $145,000 | n/a | 0.0% | |
| ARC HOME LLC | $1,155,000 | $135,000 | -88.3% | 0.0% |
| Leader Bank | $135,000 | n/a | 0.0% | |
| First IC Corporation | $255,000 | $125,000 | -51.0% | 0.0% |
| MLD MORTGAGE INC. | $125,000 | n/a | 0.0% | |
| Towne Mortgage of the Carolinas, LLC | $235,000 | $115,000 | -51.1% | 0.0% |
| United Community Bank | $760,000 | $110,000 | -85.5% | 0.0% |
| Bethpage Federal Credit Union | $75,000 | $105,000 | 40.0% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $130,000 | $100,000 | -23.1% | 0.0% |
| GMFS LLC | $95,000 | n/a | 0.0% | |
| Peoples Bank | $95,000 | n/a | 0.0% | |
| S1L, Inc. | $95,000 | n/a | 0.0% | |
| FIRST TECHNOLOGY | $90,000 | n/a | 0.0% | |
| ALLEGACY FEDERAL CREDIT UNION | $275,000 | $85,000 | -69.1% | 0.0% |
| Uwharrie Bank | $85,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $55,000 | n/a | 0.0% | |
| Regions Bank | $1,600,000 | $45,000 | -97.2% | 0.0% |
| UNITED | $45,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $15,000 | n/a | 0.0% |
JACKSONVILLE's top lender by overall market share is NAVY FEDERAL CREDIT UNION, with 10.6% market share. In second place, with 8.5%, is Mortgage Research Center, LLC, having originated $139,140,000 in loans. In third place, with 7.1%, is FREEDOM MORTGAGE CORPORATION, having originated $117,300,000 in loans. In fourth place, with 6.2%, is MOVEMENT MORTGAGE, LLC, having originated $102,500,000 in loans. In fifth place, with 5.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $82,575,000 in loans.
JACKSONVILLE, NC Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 4,037 | $1,138,835,000 | $282,099 |
| Refi | 1,002 | $274,300,000 | $273,752 |
| Cash Out Refi | 756 | $167,990,000 | $222,209 |
| Other | 448 | $40,130,000 | $89,576 |
| Home Improvement | 320 | $23,960,000 | $74,875 |
| NA | 1 | $1,055,000 | $1,055,000 |
Jacksonville's most frequently cited loan purpose was Home Purchase, with 4,037 originations. The 2nd most popular reason was Refi, with 1,002 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 2,892 | $785,480,000 | $271,604 |
| 5-6% | 1,655 | $476,055,000 | $287,647 |
| 7-8% | 947 | $221,515,000 | $233,912 |
| Over 8% | 781 | $80,945,000 | $103,643 |
| 4-5% | 153 | $50,335,000 | $328,987 |
| <2.5% | 41 | $3,325,000 | $81,098 |
| 3-4% | 21 | $5,845,000 | $278,333 |
| 2.5-3% | 16 | $4,580,000 | $286,250 |
During 2024, Jacksonville's most frequently originated rate bucket was 6-7%, with 2,892 originations.
Loan Sizing (JACKSONVILLE, NC MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 3,818 | $1,071,780,000 | $280,718 |
| $100k-200k | 1,250 | $194,100,000 | $155,280 |
| $100,000 or less | 901 | $49,825,000 | $55,300 |
| $400k-600k | 459 | $212,365,000 | $462,669 |
| $600k-1000k | 107 | $78,385,000 | $732,570 |
| $Over $1MM | 29 | $39,815,000 | $1,372,931 |
JACKSONVILLE's loan sizing saw the bucket of loans from $200k-400k with 3,818 originations, totaling $1,071,780,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 2,950 | $845,780,000 | $286,705 |
| Over 100% | 1,015 | $312,145,000 | $307,532 |
| 60-80% | 837 | $219,625,000 | $262,395 |
| Under 20% | 514 | $24,340,000 | $47,354 |
| 20-40% | 474 | $49,570,000 | $104,578 |
| 40-60% | 319 | $68,475,000 | $214,655 |
JACKSONVILLE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,950 originations, totaling $845,780,000 in origination value.