Lumberton Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Lumberton averaged
6.8%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
7.1% and
one month ago for the week of 2025-05-29, the
average rate was 7.42%.
Lumberton's average rate one year ago was 7.29%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.67%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Lumberton 30 Year Fixed Rate | 2025-07-03 | 6.8% |
| Lumberton 30 Year Fixed Rate Refi | 2025-07-03 | 6.67% |
| Lumberton 15 Year Fixed Rate | 2025-07-03 | 5.8% |
| Lumberton 15 Year Fixed Rate Refi | 2025-07-03 | 6.3% |
| Lumberton 30 Year FHA | 2025-07-03 | 0.3% |
| Lumberton 30 Year FHA Refi | 2025-07-03 | 0.2% |
| Lumberton 30 Year USDA | 2025-07-03 | -0.1% |
| Lumberton 30 Year USDA Refi | 2025-07-03 | 0.1% |
| Lumberton 30 Year VA | 2025-07-03 | 0.38% |
| Lumberton 30 Year VA Refi | 2025-07-03 | -0.62% |
Lumberton 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 Lumberton, 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.).
Lumberton Average Closing Costs & Other Stats
Lumberton, NC's 64 lenders originated 1,266
loans during 2024. The total origination value was $215,620,000, with an average loan value of
$170,316.
Lumberton's average closing costs are $5,533.
The top Lumberton lender as defined by loan originations is STATE EMPLOYEES', with
39 loans originated. Their average total fees are
$3,824, which is $1,222
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Lumberton lenders (with over 10 loans originated) are
STATE EMPLOYEES' ($3,824), QUICKEN LOANS, LLC ($5,046), VANDERBILT MORTGAGE AND FINANCE, INC. ($5,248), .
The lowest rate Lumberton lenders (with over 10 loans originated) are
STATE EMPLOYEES' (6.43%), QUICKEN LOANS, LLC (7.02%), VANDERBILT MORTGAGE AND FINANCE, INC. (8.59%), .
Lumberton, 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' | $20,290,000 | $18,015,000 | -11.2% | 8.4% |
| Mortgage Research Center, LLC | $14,080,000 | $13,230,000 | -6.0% | 6.1% |
| QUICKEN LOANS, LLC | $11,360,000 | $12,085,000 | 6.4% | 5.6% |
| 21ST MORTGAGE CORPORATION | $11,160,000 | $10,005,000 | -10.3% | 4.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $7,405,000 | $8,190,000 | 10.6% | 3.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $8,540,000 | $6,985,000 | -18.2% | 3.2% |
| FREEDOM MORTGAGE CORPORATION | $1,990,000 | $6,505,000 | 226.9% | 3.0% |
| UNION HOME MORTGAGE CORP. | $2,910,000 | $5,710,000 | 96.2% | 2.6% |
| Lumbee Guaranty Bank | $6,975,000 | $5,360,000 | -23.2% | 2.5% |
| VILLAGE CAPITAL MORTGAGE | $165,000 | $4,485,000 | 2,618.2% | 2.1% |
| SeaTrust Mortgage Company | $1,140,000 | $4,390,000 | 285.1% | 2.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $3,135,000 | $4,135,000 | 31.9% | 1.9% |
| CMG MORTGAGE, INC. | $5,680,000 | $3,900,000 | -31.3% | 1.8% |
| MOVEMENT MORTGAGE, LLC | $3,430,000 | $3,840,000 | 12.0% | 1.8% |
| SOUTHWEST STAGE FUNDING, LLC | $2,255,000 | $3,605,000 | 59.9% | 1.7% |
| Truist | $1,900,000 | $3,375,000 | 77.6% | 1.6% |
| PENNYMAC LOAN SERVICES, LLC | $1,710,000 | $3,345,000 | 95.6% | 1.6% |
| INTERCOASTAL MORTGAGE COMPANY | $3,605,000 | $3,235,000 | -10.3% | 1.5% |
| NAVY FEDERAL CREDIT UNION | $4,100,000 | $3,185,000 | -22.3% | 1.5% |
| 1ST SIGNATURE LENDING, LLC | $4,300,000 | $2,960,000 | -31.2% | 1.4% |
| Alcova Mortgage LLC | $3,380,000 | $2,915,000 | -13.8% | 1.4% |
| CORNERSTONE HOME LENDING, INC. | $4,480,000 | $2,875,000 | -35.8% | 1.3% |
| BROKER SOLUTIONS, INC. | $2,525,000 | $2,820,000 | 11.7% | 1.3% |
| LOANDEPOT.COM, LLC | $1,290,000 | $2,370,000 | 83.7% | 1.1% |
| First Bank | $2,870,000 | $2,015,000 | -29.8% | 0.9% |
| CARDINAL FINANCIAL | $3,365,000 | $2,005,000 | -40.4% | 0.9% |
| GREYSTONE SERVICING COMPANY LLC | $1,785,000 | n/a | 0.8% | |
| GUILD MORTGAGE COMPANY | $295,000 | $1,780,000 | 503.4% | 0.8% |
| TRIAD FINANCIAL SERVICES, INC. | $3,155,000 | $1,755,000 | -44.4% | 0.8% |
| American Security Mortgage Corp. | $960,000 | $1,745,000 | 81.8% | 0.8% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,120,000 | $1,730,000 | 54.5% | 0.8% |
| Integrity Home Mortgage Corp | $595,000 | $1,580,000 | 165.5% | 0.7% |
| SOUTHERN TRUST MORTGAGE, LLC | $2,090,000 | $1,560,000 | -25.4% | 0.7% |
| LOCAL GOVERNMENT FEDERAL CREDIT UNION | $3,020,000 | $1,520,000 | -49.7% | 0.7% |
| EMM LOANS LLC | $485,000 | $1,485,000 | 206.2% | 0.7% |
| GUARANTEED RATE, INC. | $980,000 | $1,460,000 | 49.0% | 0.7% |
| United Bank | $8,745,000 | $1,440,000 | -83.5% | 0.7% |
| NEW DAY FINANCIAL, LLC | $565,000 | $1,415,000 | 150.4% | 0.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,780,000 | $1,400,000 | -49.6% | 0.6% |
| The Northern Trust Company | $1,335,000 | n/a | 0.6% | |
| PNC Bank | $600,000 | $1,300,000 | 116.7% | 0.6% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $665,000 | $1,205,000 | 81.2% | 0.6% |
| AMERICAN FINANCIAL RESOURCES, INC. | $450,000 | $1,190,000 | 164.4% | 0.6% |
| USAA Federal Savings Bank | $215,000 | $1,135,000 | 427.9% | 0.5% |
| HOMESPIRE MORTGAGE CORPORATION | $2,280,000 | $1,100,000 | -51.8% | 0.5% |
| NEWREZ LLC | $300,000 | $1,100,000 | 266.7% | 0.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,625,000 | $1,075,000 | -33.8% | 0.5% |
| Barrington Bank & Trust Company, N.A. | $795,000 | $1,045,000 | 31.4% | 0.5% |
| Blue Ridge Bank | $385,000 | $1,010,000 | 162.3% | 0.5% |
| GoPrime Mortgage, Inc. | $675,000 | $955,000 | 41.5% | 0.4% |
| PLANET HOME LENDING, LLC | $950,000 | n/a | 0.4% | |
| Equity Prime Mortgage LLC | $290,000 | $945,000 | 225.9% | 0.4% |
| Flagstar Bank, FSB | $85,000 | $945,000 | 1,011.8% | 0.4% |
| First-Citizens Bank & Trust Company | $980,000 | $905,000 | -7.7% | 0.4% |
| JPMorgan Chase Bank | $885,000 | n/a | 0.4% | |
| U.S. Bank | $125,000 | $830,000 | 564.0% | 0.4% |
| CALCON MUTUAL MORTGAGE LLC | $495,000 | $825,000 | 66.7% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $225,000 | $820,000 | 264.4% | 0.4% |
| NFM, INC. | $505,000 | $810,000 | 60.4% | 0.4% |
| First National Bank of Pennsylvania | $805,000 | n/a | 0.4% | |
| South State Bank | $175,000 | $770,000 | 340.0% | 0.4% |
| The Fidelity Bank | $430,000 | $770,000 | 79.1% | 0.4% |
| COUNTRYPLACE MORTGAGE, LTD. | $1,200,000 | $765,000 | -36.3% | 0.4% |
| EQUITY RESOURCES, INC. | $185,000 | $730,000 | 294.6% | 0.3% |
| T2 FINANCIAL LLC | $990,000 | $730,000 | -26.3% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $805,000 | $705,000 | -12.4% | 0.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | $145,000 | $660,000 | 355.2% | 0.3% |
| RELIANCE FIRST CAPITAL, LLC | $390,000 | $630,000 | 61.5% | 0.3% |
| FLAT BRANCH MORTGAGE, INC. | $620,000 | n/a | 0.3% | |
| BMO Harris Bank | $615,000 | n/a | 0.3% | |
| Encompass Lending Group, LP | $890,000 | $600,000 | -32.6% | 0.3% |
| MID AMERICA MORTGAGE, INC. | $710,000 | $595,000 | -16.2% | 0.3% |
| AgCarolina Farm Credit, FLCA | $820,000 | $580,000 | -29.3% | 0.3% |
| PLAZA HOME MORTGAGE, INC. | $550,000 | $560,000 | 1.8% | 0.3% |
| Performance Financial, Inc. | $550,000 | n/a | 0.3% | |
| LENDINGHOME FUNDING CORPORATION | $540,000 | n/a | 0.3% | |
| MORTGAGEONE, INC. | $540,000 | n/a | 0.3% | |
| Mid-Continent Funding, Inc. | $195,000 | $510,000 | 161.5% | 0.2% |
| CSL Financial, LLC | $415,000 | $495,000 | 19.3% | 0.2% |
| ALLIED MORTGAGE GROUP, INC. | $490,000 | n/a | 0.2% | |
| AMERISAVE MORTGAGE CORPORATION | $1,580,000 | $480,000 | -69.6% | 0.2% |
| VERITAS FUNDING, LLC | $480,000 | n/a | 0.2% | |
| Mr. Cooper ( Nationstar Mortgage ) | $655,000 | $460,000 | -29.8% | 0.2% |
| SHARONVIEW FEDERAL CREDIT UNION | $460,000 | n/a | 0.2% | |
| Lakeview Community Capital, LLC | $445,000 | n/a | 0.2% | |
| Gateway First Bank | $430,000 | n/a | 0.2% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $425,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $995,000 | $400,000 | -59.8% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $335,000 | $400,000 | 19.4% | 0.2% |
| AMERICAN FINANCING CORPORATION | $390,000 | n/a | 0.2% | |
| SUN WEST MORTGAGE COMPANY, INC. | $390,000 | n/a | 0.2% | |
| BOKF | $385,000 | n/a | 0.2% | |
| BAY-VALLEY MORTGAGE GROUP | $375,000 | n/a | 0.2% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $780,000 | $375,000 | -51.9% | 0.2% |
| LENDSURE MORTGAGE CORP. | $365,000 | n/a | 0.2% | |
| FIDELITY DIRECT MORTGAGE, LLC | $355,000 | n/a | 0.2% | |
| PHH Mortgage Corporation | $350,000 | n/a | 0.2% | |
| ZILLOW HOME LOANS, LLC | $375,000 | $350,000 | -6.7% | 0.2% |
| Bank of America | $720,000 | $345,000 | -52.1% | 0.2% |
| EVERETT FINANCIAL, INC. | $385,000 | $335,000 | -13.0% | 0.2% |
| Princeton Mortgage Corporation | $335,000 | n/a | 0.2% | |
| OCEANSIDE MORTGAGE COMPANY | $330,000 | n/a | 0.2% | |
| NBKC BANK | $275,000 | $305,000 | 10.9% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $300,000 | n/a | 0.1% | |
| TD Bank | $300,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $1,610,000 | $290,000 | -82.0% | 0.1% |
| Residential Acceptance Corporation | $285,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $275,000 | n/a | 0.1% | |
| ALLIANT CREDIT UNION | $265,000 | n/a | 0.1% | |
| CONTOUR MORTGAGE CORPORATION | $265,000 | n/a | 0.1% | |
| Magnolia Bank | $265,000 | n/a | 0.1% | |
| Wells Fargo Bank | $1,355,000 | $250,000 | -81.5% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $245,000 | n/a | 0.1% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $225,000 | $235,000 | 4.4% | 0.1% |
| COASTAL Federal Credit Union | $230,000 | n/a | 0.1% | |
| BancorpSouth | $225,000 | n/a | 0.1% | |
| DOMINION FINANCIAL SERVICES, LLC | $1,200,000 | $220,000 | -81.7% | 0.1% |
| Ameris Bank | $215,000 | n/a | 0.1% | |
| Plains Commerce Bank | $215,000 | n/a | 0.1% | |
| Home Mortgage Alliance Corp | $210,000 | n/a | 0.1% | |
| CHARLOTTE METRO FEDERAL CREDIT UNION | $205,000 | n/a | 0.1% | |
| JMAC LENDING, INC. | $205,000 | n/a | 0.1% | |
| PREMIER LENDING, INC. | $205,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $200,000 | n/a | 0.1% | |
| MILEND, INC. | $730,000 | $195,000 | -73.3% | 0.1% |
| Chickasaw Community Bank | $185,000 | n/a | 0.1% | |
| Nations Lending Corporation | $520,000 | $185,000 | -64.4% | 0.1% |
| North American Savings Bank, F.S.B. | $185,000 | n/a | 0.1% | |
| Advance Financial Group, LLC | $175,000 | n/a | 0.1% | |
| CityWorth Mortgage LLC | $335,000 | $175,000 | -47.8% | 0.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $175,000 | n/a | 0.1% | |
| SOVEREIGN LENDING GROUP INCORPORATED | $175,000 | n/a | 0.1% | |
| BANKSOUTH MORTGAGE COMPANY, LLC | $165,000 | n/a | 0.1% | |
| LIMA ONE CAPITAL, LLC | $330,000 | $165,000 | -50.0% | 0.1% |
| Discover Bank | $310,000 | $160,000 | -48.4% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $235,000 | $150,000 | -36.2% | 0.1% |
| TIDEWATER MORTGAGE SERVICES, INC. | $145,000 | n/a | 0.1% | |
| Figure Lending LLC | $150,000 | $135,000 | -10.0% | 0.1% |
| Anderson Brothers Bank | $175,000 | $125,000 | -28.6% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $280,000 | $125,000 | -55.4% | 0.1% |
| Home Loan Investment Bank, F.S.B. | $55,000 | $120,000 | 118.2% | 0.1% |
| Northpointe Bank | $155,000 | $115,000 | -25.8% | 0.1% |
| Tyndall Federal Credit Union | $105,000 | n/a | 0.0% | |
| RAPID MORTGAGE COMPANY | $135,000 | $95,000 | -29.6% | 0.0% |
| TJC Mortgage, Inc. | $85,000 | n/a | 0.0% | |
| ACOPIA, LLC | $75,000 | n/a | 0.0% | |
| Citibank | $75,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $75,000 | n/a | 0.0% | |
| HomeTrust Bank | $55,000 | n/a | 0.0% | |
| FOUNDERS FEDERAL CREDIT UNION | $105,000 | $45,000 | -57.1% | 0.0% |
| Coastal Community Bank | $35,000 | n/a | 0.0% |
Lumberton's top lender by overall market share is STATE EMPLOYEES', with 8.4% market share. In second place, with 6.1%, is Mortgage Research Center, LLC, having originated $13,230,000 in loans. In third place, with 5.6%, is QUICKEN LOANS, LLC, having originated $12,085,000 in loans. In fourth place, with 4.6%, is 21ST MORTGAGE CORPORATION, having originated $10,005,000 in loans. In fifth place, with 3.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $8,190,000 in loans.
Lumberton, NC Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 773 | $142,025,000 | $183,732 |
| Refi | 212 | $40,190,000 | $189,575 |
| Cash Out Refi | 113 | $20,205,000 | $178,805 |
| Other | 86 | $8,330,000 | $96,860 |
| Home Improvement | 82 | $4,870,000 | $59,390 |
Lumberton's most frequently cited loan purpose was Home Purchase, with 773 originations. The 2nd most popular reason was Refi, with 212 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 451 | $92,355,000 | $204,778 |
| 7-8% | 272 | $41,470,000 | $152,463 |
| Over 8% | 257 | $30,165,000 | $117,374 |
| 5-6% | 179 | $42,415,000 | $236,955 |
| <2.5% | 21 | $315,000 | $15,000 |
| 4-5% | 12 | $3,040,000 | $253,333 |
| 3-4% | 1 | $85,000 | $85,000 |
| 2.5-3% | 1 | $235,000 | $235,000 |
During 2024, Lumberton's most frequently originated rate bucket was 6-7%, with 451 originations.
Loan Sizing (Lumberton, NC MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 475 | $71,235,000 | $149,968 |
| $200k-400k | 386 | $102,920,000 | $266,632 |
| $100,000 or less | 367 | $20,665,000 | $56,308 |
| $400k-600k | 32 | $14,890,000 | $465,313 |
| $600k-1000k | 4 | $2,790,000 | $697,500 |
| $Over $1MM | 2 | $3,120,000 | $1,560,000 |
Lumberton's loan sizing saw the bucket of loans from $100k-200k with 475 originations, totaling $71,235,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 636 | $128,390,000 | $201,871 |
| 60-80% | 142 | $24,780,000 | $174,507 |
| 20-40% | 109 | $7,985,000 | $73,257 |
| Under 20% | 104 | $3,250,000 | $31,250 |
| Over 100% | 83 | $20,445,000 | $246,325 |
| 40-60% | 77 | $11,445,000 | $148,636 |
Lumberton's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 636 originations, totaling $128,390,000 in origination value.