Morehead City Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Morehead City averaged
6.95%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.66% and
one month ago for the week of 2025-02-27, the
average rate was 6.77%.
Morehead City's average rate one year ago was 7%.
For refis of the same type during the week of 2025-04-03, the average rate
was 7.06%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Morehead City 30 Year Fixed Rate | 2025-04-03 | 6.95% |
| Morehead City 30 Year Fixed Rate Refi | 2025-04-03 | 7.06% |
| Morehead City 15 Year Fixed Rate | 2025-04-03 | 5.82% |
| Morehead City 15 Year Fixed Rate Refi | 2025-04-03 | 6.02% |
| Morehead City 30 Year FHA | 2025-04-03 | 6.26% |
| Morehead City 30 Year FHA Refi | 2025-04-03 | 6.36% |
| Morehead City 30 Year USDA | 2025-04-03 | 6.32% |
| Morehead City 30 Year USDA Refi | 2025-04-03 | 6.32% |
| Morehead City 30 Year VA | 2025-04-03 | 5.95% |
| Morehead City 30 Year VA Refi | 2025-04-03 | 5.96% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Morehead City, NC.
Morehead City 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 Morehead City, 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.).
Morehead City Average Closing Costs & Other Stats
Morehead City, NC's 132 lenders originated 2,170
loans during 2024. The total origination value was $748,910,000, with an average loan value of
$345,120.
Morehead City's average closing costs are $4,972.
The top Morehead City lender as defined by loan originations is STATE EMPLOYEES', with
113 loans originated. Their average total fees are
$4,469, which is $4,282
lower than the next largest lender,
ATLANTIC BAY MORTGAGE GROUP, L.L.C..
The lowest fee Morehead City lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($2,698), STATE EMPLOYEES' ($4,469), First-Citizens Bank & Trust Company ($5,115), Truist ($5,119) and Corporate Investors Mortgage Group, Inc. ($5,525).
The lowest rate Morehead City lenders (with over 10 loans originated) are
STATE EMPLOYEES' (6.15%), DHI MORTGAGE COMPANY, LTD. (6.27%), UNITED WHOLESALE MORTGAGE, LLC (6.42%), NAVY FEDERAL CREDIT UNION (6.48%) and Truist (6.62%).
Morehead City, 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' | $73,710,000 | $77,955,000 | 5.8% | 10.4% |
| First-Citizens Bank & Trust Company | $70,775,000 | $61,670,000 | -12.9% | 8.2% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $39,170,000 | $36,825,000 | -6.0% | 4.9% |
| QUICKEN LOANS, LLC | $25,070,000 | $33,815,000 | 34.9% | 4.5% |
| Carter Bank & Trust | $29,505,000 | n/a | 3.9% | |
| Truist | $26,490,000 | $25,905,000 | -2.2% | 3.5% |
| NAVY FEDERAL CREDIT UNION | $28,585,000 | $23,670,000 | -17.2% | 3.2% |
| GUARANTEED RATE, INC. | $12,950,000 | $21,375,000 | 65.1% | 2.9% |
| Southern Bank and Trust Company | $16,745,000 | $19,510,000 | 16.5% | 2.6% |
| First National Bank of Pennsylvania | $12,385,000 | $17,555,000 | 41.7% | 2.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $13,820,000 | $17,435,000 | 26.2% | 2.3% |
| Corporate Investors Mortgage Group, Inc. | $19,715,000 | $17,360,000 | -11.9% | 2.3% |
| American Security Mortgage Corp. | $16,385,000 | $17,125,000 | 4.5% | 2.3% |
| First Carolina Bank | $1,970,000 | $15,535,000 | 688.6% | 2.1% |
| MOVEMENT MORTGAGE, LLC | $15,875,000 | $12,635,000 | -20.4% | 1.7% |
| DHI MORTGAGE COMPANY, LTD. | $12,155,000 | $11,840,000 | -2.6% | 1.6% |
| First Bank | $17,080,000 | $10,595,000 | -38.0% | 1.4% |
| CMG MORTGAGE, INC. | $8,640,000 | $9,520,000 | 10.2% | 1.3% |
| GUILD MORTGAGE COMPANY | $1,695,000 | $9,195,000 | 442.5% | 1.2% |
| Mortgage Research Center, LLC | $10,040,000 | $8,950,000 | -10.9% | 1.2% |
| Towne Bank | $7,710,000 | $8,665,000 | 12.4% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $3,685,000 | $7,705,000 | 109.1% | 1.0% |
| COASTAL Federal Credit Union | $6,460,000 | $7,395,000 | 14.5% | 1.0% |
| FREEDOM MORTGAGE CORPORATION | $2,295,000 | $6,860,000 | 198.9% | 0.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $5,085,000 | $6,135,000 | 20.6% | 0.8% |
| Bank of America | $3,770,000 | $6,035,000 | 60.1% | 0.8% |
| JPMorgan Chase Bank | $4,935,000 | $5,810,000 | 17.7% | 0.8% |
| PNC Bank | $7,755,000 | $5,020,000 | -35.3% | 0.7% |
| NEWREZ LLC | $1,680,000 | $4,970,000 | 195.8% | 0.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,865,000 | $4,845,000 | 159.8% | 0.6% |
| Coastal Bank & Trust | $1,250,000 | $4,460,000 | 256.8% | 0.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,835,000 | $4,425,000 | 141.1% | 0.6% |
| Alcova Mortgage LLC | $1,800,000 | $4,155,000 | 130.8% | 0.6% |
| Morgan Stanley Private Bank | $6,135,000 | $4,040,000 | -34.1% | 0.5% |
| United Community Bank | $2,925,000 | $3,970,000 | 35.7% | 0.5% |
| Wells Fargo Bank | $7,720,000 | $3,900,000 | -49.5% | 0.5% |
| Southern First Bank | $1,740,000 | $3,765,000 | 116.4% | 0.5% |
| United Bank | $3,305,000 | $3,590,000 | 8.6% | 0.5% |
| T2 FINANCIAL LLC | $2,375,000 | $3,235,000 | 36.2% | 0.4% |
| The Federal Savings Bank | $1,470,000 | $3,200,000 | 117.7% | 0.4% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $3,165,000 | n/a | 0.4% | |
| USAA Federal Savings Bank | $2,580,000 | $3,145,000 | 21.9% | 0.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,905,000 | $2,925,000 | 53.5% | 0.4% |
| FIRST FLIGHT FEDERAL CREDIT UNION | $775,000 | $2,900,000 | 274.2% | 0.4% |
| Availa Bank | $2,790,000 | n/a | 0.4% | |
| Mr. Cooper ( Nationstar Mortgage ) | $1,135,000 | $2,745,000 | 141.9% | 0.4% |
| INTERCOASTAL MORTGAGE COMPANY | $4,735,000 | $2,715,000 | -42.7% | 0.4% |
| The Fidelity Bank | $1,805,000 | $2,620,000 | 45.2% | 0.3% |
| Providence Bank | $2,615,000 | n/a | 0.3% | |
| Integrity Home Mortgage Corp | $680,000 | $2,460,000 | 261.8% | 0.3% |
| READYCAP COMMERCIAL, LLC | $2,455,000 | n/a | 0.3% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,200,000 | $2,445,000 | 103.8% | 0.3% |
| TD Bank | $1,930,000 | $2,425,000 | 25.6% | 0.3% |
| LOANDEPOT.COM, LLC | $1,725,000 | $2,380,000 | 38.0% | 0.3% |
| Sound Bank | $2,070,000 | $2,215,000 | 7.0% | 0.3% |
| EQUITY RESOURCES, INC. | $2,370,000 | $2,200,000 | -7.2% | 0.3% |
| UBS Bank USA | $605,000 | $2,175,000 | 259.5% | 0.3% |
| UNION HOME MORTGAGE CORP. | $1,370,000 | $2,090,000 | 52.6% | 0.3% |
| Pinnacle Bank | $2,270,000 | $2,065,000 | -9.0% | 0.3% |
| The Loan Store, Inc. | $445,000 | $1,975,000 | 343.8% | 0.3% |
| NBKC BANK | $965,000 | $1,955,000 | 102.6% | 0.3% |
| GoPrime Mortgage, Inc. | $735,000 | $1,945,000 | 164.6% | 0.3% |
| Charles Schwab Bank, SSB | $2,630,000 | $1,905,000 | -27.6% | 0.3% |
| FIRST BANCORP | $565,000 | $1,870,000 | 231.0% | 0.2% |
| Carrington Mortgage Services, LLC | $255,000 | $1,815,000 | 611.8% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $730,000 | $1,815,000 | 148.6% | 0.2% |
| The Ohio Valley Bank Company | $1,805,000 | n/a | 0.2% | |
| Regions Bank | $305,000 | $1,800,000 | 490.2% | 0.2% |
| SWBC MORTGAGE CORPORATION | $2,725,000 | $1,795,000 | -34.1% | 0.2% |
| Raymond James Bank | $1,660,000 | n/a | 0.2% | |
| HOMESTEAD FUNDING CORP. | $575,000 | $1,650,000 | 187.0% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $725,000 | $1,630,000 | 124.8% | 0.2% |
| Bethpage Federal Credit Union | $1,595,000 | n/a | 0.2% | |
| Burke & Herbert Bank & Trust Company | $1,585,000 | n/a | 0.2% | |
| Gateway First Bank | $2,175,000 | $1,565,000 | -28.0% | 0.2% |
| LOCAL GOVERNMENT FEDERAL CREDIT UNION | $5,125,000 | $1,545,000 | -69.9% | 0.2% |
| Prosperity Home Mortgage, LLC | $1,500,000 | $1,395,000 | -7.0% | 0.2% |
| Bell Bank | $1,375,000 | n/a | 0.2% | |
| Stifel Bank and Trust | $1,085,000 | $1,365,000 | 25.8% | 0.2% |
| DELMAR FINANCIAL COMPANY | $1,340,000 | n/a | 0.2% | |
| Citizens Bank | $965,000 | $1,295,000 | 34.2% | 0.2% |
| NETWORK CAPITAL FUNDING CORPORATION | $1,260,000 | n/a | 0.2% | |
| LENDSURE MORTGAGE CORP. | $1,230,000 | n/a | 0.2% | |
| Century Mortgage Company DBA Century Lending Company | $1,205,000 | n/a | 0.2% | |
| NexBank | $2,605,000 | $1,205,000 | -53.7% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $645,000 | $1,140,000 | 76.7% | 0.2% |
| AgCarolina Farm Credit, FLCA | $590,000 | $1,135,000 | 92.4% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $155,000 | $1,135,000 | 632.3% | 0.2% |
| Truliant Federal Credit Union | $2,125,000 | $1,105,000 | -48.0% | 0.1% |
| North State Bank | $3,860,000 | $1,080,000 | -72.0% | 0.1% |
| ALLIANT CREDIT UNION | $1,075,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $195,000 | $1,070,000 | 448.7% | 0.1% |
| RADIUS FINANCIAL GROUP INC. | $1,060,000 | n/a | 0.1% | |
| First Federal Bank | $1,730,000 | $1,050,000 | -39.3% | 0.1% |
| 21ST MORTGAGE CORPORATION | $1,265,000 | $1,035,000 | -18.2% | 0.1% |
| The Central Trust Bank | $1,060,000 | $1,015,000 | -4.2% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,000,000 | n/a | 0.1% | |
| Towne Mortgage of the Carolinas, LLC | $995,000 | n/a | 0.1% | |
| U.S. Bank | $1,695,000 | $990,000 | -41.6% | 0.1% |
| BROKER SOLUTIONS, INC. | $780,000 | $980,000 | 25.6% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,545,000 | $970,000 | -37.2% | 0.1% |
| CORNERSTONE HOME LENDING, INC. | $2,720,000 | $945,000 | -65.3% | 0.1% |
| Peoples Bank | $3,125,000 | $925,000 | -70.4% | 0.1% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $910,000 | n/a | 0.1% | |
| Commerce Home Mortgage, Inc. | $1,530,000 | $890,000 | -41.8% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,640,000 | $865,000 | -47.3% | 0.1% |
| SeaTrust Mortgage Company | $850,000 | $860,000 | 1.2% | 0.1% |
| CARDINAL FINANCIAL | $825,000 | $855,000 | 3.6% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $630,000 | $855,000 | 35.7% | 0.1% |
| RBC Bank, (Georgia) | $295,000 | $855,000 | 189.8% | 0.1% |
| Clearview Federal Credit Union | $205,000 | $765,000 | 273.2% | 0.1% |
| Discover Bank | $850,000 | $765,000 | -10.0% | 0.1% |
| EMBRACE HOME LOANS, INC. | $1,680,000 | $765,000 | -54.5% | 0.1% |
| Bank of Oak Ridge | $755,000 | n/a | 0.1% | |
| Coastal Community Bank | $750,000 | n/a | 0.1% | |
| Figure Lending LLC | $365,000 | $750,000 | 105.5% | 0.1% |
| South State Bank | $360,000 | $745,000 | 106.9% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $950,000 | $725,000 | -23.7% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $720,000 | n/a | 0.1% | |
| Renasant Bank | $1,095,000 | $690,000 | -37.0% | 0.1% |
| AMERICAN FINANCING CORPORATION | $875,000 | $655,000 | -25.1% | 0.1% |
| SOUTH CAROLINA FEDERAL CREDIT UNION | $615,000 | n/a | 0.1% | |
| Capital City Home Loans, LLC | $605,000 | n/a | 0.1% | |
| CSL Financial, LLC | $470,000 | $605,000 | 28.7% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $225,000 | $600,000 | 166.7% | 0.1% |
| Ixonia Bank | $595,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $490,000 | $595,000 | 21.4% | 0.1% |
| BMO Harris Bank | $985,000 | $585,000 | -40.6% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $375,000 | $580,000 | 54.7% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $575,000 | n/a | 0.1% | |
| NFM, INC. | $1,060,000 | $570,000 | -46.2% | 0.1% |
| ZILLOW HOME LOANS, LLC | $960,000 | $570,000 | -40.6% | 0.1% |
| Armed Forces Bank | $1,835,000 | $565,000 | -69.2% | 0.1% |
| V.I.P. MORTGAGE, INC. | $550,000 | n/a | 0.1% | |
| Bank of England | $535,000 | n/a | 0.1% | |
| FIRST SAVINGS MORTGAGE CORPORATION | $535,000 | n/a | 0.1% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $535,000 | n/a | 0.1% | |
| Paramount Bank | $535,000 | n/a | 0.1% | |
| ALLIED MORTGAGE GROUP, INC. | $525,000 | n/a | 0.1% | |
| Benchmark Community Bank | $650,000 | $525,000 | -19.2% | 0.1% |
| SUMMIT FUNDING, INC. | $510,000 | n/a | 0.1% | |
| CALCON MUTUAL MORTGAGE LLC | $505,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $500,000 | n/a | 0.1% | |
| Fifth Third Bank | $105,000 | $500,000 | 376.2% | 0.1% |
| AMERITRUST MORTGAGE CORPORATION | $495,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $470,000 | $495,000 | 5.3% | 0.1% |
| I. H. MISSISSIPPI VALLEY CREDIT UNION | $495,000 | n/a | 0.1% | |
| Carrollton Bank | $485,000 | n/a | 0.1% | |
| Merchants Bank of Indiana | $475,000 | n/a | 0.1% | |
| Mid-Continent Funding, Inc. | $195,000 | $455,000 | 133.3% | 0.1% |
| PLANET HOME LENDING, LLC | $885,000 | $440,000 | -50.3% | 0.1% |
| Aurora Financial, LLC | $445,000 | $435,000 | -2.2% | 0.1% |
| Blue Ridge Bank | $405,000 | $425,000 | 4.9% | 0.1% |
| VERITAS FUNDING, LLC | $215,000 | $420,000 | 95.3% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,270,000 | $415,000 | -67.3% | 0.1% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $415,000 | n/a | 0.1% | |
| Meridian Bank Corporation | $415,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $465,000 | $415,000 | -10.8% | 0.1% |
| RESOURCE FINANCIAL SERVICES, INC. | $405,000 | n/a | 0.1% | |
| Shore United Bank | $395,000 | n/a | 0.1% | |
| JET HOMELOANS, LLC | $385,000 | n/a | 0.1% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $385,000 | n/a | 0.1% | |
| CITIZENS EQUITY FIRST | $375,000 | n/a | 0.1% | |
| KS Bank, Inc. | $1,215,000 | $375,000 | -69.1% | 0.1% |
| NP, Inc. | $375,000 | n/a | 0.1% | |
| Goldwater Bank, N.A. | $365,000 | n/a | 0.0% | |
| Ameris Bank | $1,175,000 | $355,000 | -69.8% | 0.0% |
| BAY EQUITY LLC | $355,000 | n/a | 0.0% | |
| Equity Prime Mortgage LLC | $355,000 | n/a | 0.0% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $1,395,000 | $355,000 | -74.6% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $460,000 | $355,000 | -22.8% | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | $245,000 | $355,000 | 44.9% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $205,000 | $345,000 | 68.3% | 0.0% |
| North American Savings Bank, F.S.B. | $1,275,000 | $345,000 | -72.9% | 0.0% |
| Presidential Bank, FSB | $345,000 | n/a | 0.0% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $335,000 | n/a | 0.0% | |
| TIDEWATER MORTGAGE SERVICES, INC. | $205,000 | $335,000 | 63.4% | 0.0% |
| BETTER MORTGAGE CORPORATION | $135,000 | $315,000 | 133.3% | 0.0% |
| PHH Mortgage Corporation | $315,000 | n/a | 0.0% | |
| PLAZA HOME MORTGAGE, INC. | $175,000 | $315,000 | 80.0% | 0.0% |
| RESIDENTIAL BANCORP | $145,000 | $310,000 | 113.8% | 0.0% |
| JMAC LENDING, INC. | $305,000 | n/a | 0.0% | |
| PANORAMA MORTGAGE GROUP, LLC | $305,000 | n/a | 0.0% | |
| 1ST SIGNATURE LENDING, LLC | $300,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $855,000 | $295,000 | -65.5% | 0.0% |
| NASA Federal Credit Union | $285,000 | n/a | 0.0% | |
| Atlantic Union Bank | $665,000 | $275,000 | -58.6% | 0.0% |
| FBC MORTGAGE, LLC | $265,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $820,000 | $265,000 | -67.7% | 0.0% |
| Marine Federal Credit Union | $900,000 | $255,000 | -71.7% | 0.0% |
| HomeTrust Bank | $85,000 | $250,000 | 194.1% | 0.0% |
| Loan Simple, Inc. | $245,000 | n/a | 0.0% | |
| Texana Bank | $245,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $245,000 | n/a | 0.0% | |
| Nations Lending Corporation | $910,000 | $235,000 | -74.2% | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | $225,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $115,000 | $220,000 | 91.3% | 0.0% |
| Signature Federal Credit Union | $205,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $140,000 | $190,000 | 35.7% | 0.0% |
| LADERA LENDING, INC. | $175,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $155,000 | n/a | 0.0% | |
| PIEDMONT ADVANTAGE CREDIT UNION | $135,000 | n/a | 0.0% | |
| CORNING | $130,000 | n/a | 0.0% | |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $115,000 | n/a | 0.0% | |
| HANSCOM | $115,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $115,000 | n/a | 0.0% | |
| OCMBC, INC. | $115,000 | n/a | 0.0% | |
| ATLANTA POSTAL | $105,000 | n/a | 0.0% | |
| Flagstar Bank, FSB | $1,535,000 | $105,000 | -93.2% | 0.0% |
| FOUNDERS FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| GMFS LLC | $105,000 | n/a | 0.0% | |
| Metro City Bank | $105,000 | n/a | 0.0% | |
| Citibank | $2,370,000 | $85,000 | -96.4% | 0.0% |
| Park Lane Finance Solutions, LLC | $350,000 | $75,000 | -78.6% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $75,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $65,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $15,000 | n/a | 0.0% |
Morehead City's top lender by overall market share is STATE EMPLOYEES', with 10.4% market share. In second place, with 8.2%, is First-Citizens Bank & Trust Company, having originated $61,670,000 in loans. In third place, with 4.9%, is ATLANTIC BAY MORTGAGE GROUP, L.L.C., having originated $36,825,000 in loans. In fourth place, with 4.5%, is QUICKEN LOANS, LLC, having originated $33,815,000 in loans. In fifth place, with 3.9%, is Carter Bank & Trust, having originated $29,505,000 in loans.
Morehead City Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Morehead City (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 | $309,450 (3.5%) | $393,920 (7.8%) | 0.00 | 969 |
| 2018-02-01 | $314,950 (5.3%) | $398,075 (7.7%) | 0.00 | 958 |
| 2018-03-01 | $322,950 (8.0%) | $404,889 (8.3%) | 0.00 | 997 |
| 2018-04-01 | $322,250 (4.6%) | $404,273 (4.8%) | 0.00 | 1,011 |
| 2018-05-01 | $325,000 (6.7%) | $413,015 (5.8%) | 0.00 | 1,022 |
| 2018-06-01 | $326,500 (7.1%) | $416,844 (7.9%) | 0.00 | 999 |
| 2018-07-01 | $330,000 (4.8%) | $425,276 (8.6%) | 0.00 | 983 |
| 2018-08-01 | $337,000 (6.9%) | $433,165 (10.7%) | 0.00 | 939 |
| 2018-09-01 | $343,000 (8.9%) | $446,926 (15.2%) | 0.00 | 899 |
| 2018-10-01 | $337,000 (7.0%) | $445,004 (14.4%) | 0.00 | 723 |
| 2018-11-01 | $338,925 (9.7%) | $443,515 (15.0%) | 0.00 | 670 |
| 2018-12-01 | $339,900 (9.7%) | $443,764 (14.0%) | 0.00 | 653 |
| 2019-01-01 | $339,463 (9.7%) | $449,963 (14.2%) | 0.00 | 585 |
| 2019-02-01 | $340,619 (8.2%) | $440,224 (10.6%) | 0.00 | 610 |
| 2019-03-01 | $351,143 (8.7%) | $457,572 (13.0%) | 0.00 | 636 |
| 2019-04-01 | $354,125 (9.9%) | $474,251 (17.3%) | 0.00 | 673 |
| 2019-05-01 | $362,500 (11.5%) | $488,547 (18.3%) | 0.00 | 705 |
| 2019-06-01 | $359,900 (10.2%) | $484,360 (16.2%) | 0.00 | 729 |
| 2019-07-01 | $369,125 (11.9%) | $486,944 (14.5%) | 0.00 | 737 |
| 2019-08-01 | $376,336 (11.7%) | $494,837 (14.2%) | 0.00 | 751 |
| 2019-09-01 | $378,341 (10.3%) | $497,583 (11.3%) | 0.00 | 778 |
| 2019-10-01 | $379,677 (12.7%) | $499,413 (12.2%) | 0.00 | 799 |
| 2019-11-01 | $375,000 (10.6%) | $492,275 (11.0%) | 0.00 | 820 |
| 2019-12-01 | $375,000 (10.3%) | $488,356 (10.1%) | 0.00 | 774 |
| 2020-01-01 | $375,000 (10.5%) | $484,524 (7.7%) | 0.00 | 771 |
| 2020-02-01 | $375,000 (10.1%) | $488,145 (10.9%) | 0.00 | 771 |
| 2020-03-01 | $375,000 (6.8%) | $489,853 (7.1%) | 0.00 | 806 |
| 2020-04-01 | $375,375 (6.0%) | $497,395 (4.9%) | 0.00 | 809 |
| 2020-05-01 | $375,500 (3.6%) | $499,510 (2.2%) | 0.00 | 758 |
| 2020-06-01 | $385,000 (7.0%) | $519,160 (7.2%) | 0.00 | 660 |
| 2020-07-01 | $385,000 (4.3%) | $519,465 (6.7%) | 0.00 | 585 |
| 2020-08-01 | $385,000 (2.3%) | $526,397 (6.4%) | 0.00 | 533 |
| 2020-09-01 | $385,000 (1.8%) | $551,558 (10.9%) | 0.00 | 455 |
| 2020-10-01 | $385,000 (1.4%) | $555,865 (11.3%) | 0.00 | 430 |
| 2020-11-01 | $385,000 (2.7%) | $558,711 (13.5%) | 0.00 | 400 |
| 2020-12-01 | $399,725 (6.6%) | $575,358 (17.8%) | 0.00 | 332 |
| 2021-01-01 | $399,250 (6.5%) | $552,071 (13.9%) | 0.00 | 287 |
| 2021-02-01 | $422,500 (12.7%) | $587,290 (20.3%) | 0.00 | 241 |
| 2021-03-01 | $449,975 (20.0%) | $594,730 (21.4%) | 0.00 | 219 |
| 2021-04-01 | $469,950 (25.2%) | $619,749 (24.6%) | 0.00 | 215 |
| 2021-05-01 | $465,000 (23.8%) | $622,774 (24.7%) | 0.00 | 202 |
| 2021-06-01 | $467,825 (21.5%) | $613,422 (18.2%) | 0.00 | 224 |
| 2021-07-01 | $450,000 (16.9%) | $596,253 (14.8%) | 0.00 | 242 |
| 2021-08-01 | $450,000 (16.9%) | $624,288 (18.6%) | 0.00 | 245 |
| 2021-09-01 | $450,000 (16.9%) | $623,067 (13.0%) | 0.00 | 276 |
| 2021-10-01 | $449,000 (16.6%) | $598,805 (7.7%) | 0.00 | 265 |
| 2021-11-01 | $449,500 (16.8%) | $612,188 (9.6%) | 0.00 | 232 |
| 2021-12-01 | $461,950 (15.6%) | $615,791 (7.0%) | 0.00 | 208 |
| 2022-01-01 | $475,000 (19.0%) | $607,750 (10.1%) | 0.00 | 165 |
| 2022-02-01 | $479,150 (13.4%) | $609,761 (3.8%) | 0.00 | 160 |
| 2022-03-01 | $484,475 (7.7%) | $631,401 (6.2%) | 0.00 | 146 |
| 2022-04-01 | $486,950 (3.6%) | $635,745 (2.6%) | 0.00 | 164 |
| 2022-05-01 | $510,950 (9.9%) | $681,613 (9.5%) | 0.00 | 179 |
| 2022-06-01 | $525,000 (12.2%) | $695,765 (13.4%) | 0.00 | 218 |
| 2022-07-01 | $530,000 (17.8%) | $701,999 (17.7%) | 0.00 | 262 |
| 2022-08-01 | $559,225 (24.3%) | $720,479 (15.4%) | 0.00 | 271 |
| 2022-09-01 | $549,950 (22.2%) | $718,922 (15.4%) | 0.00 | 301 |
| 2022-10-01 | $550,000 (22.5%) | $697,339 (16.5%) | 0.00 | 335 |
| 2022-11-01 | $546,175 (21.5%) | $660,274 (7.9%) | 0.00 | 351 |
| 2022-12-01 | $552,350 (19.6%) | $670,615 (8.9%) | 0.00 | 320 |
| 2023-01-01 | $551,175 (16.0%) | $686,020 (12.9%) | 0.00 | 285 |
| 2023-02-01 | $549,925 (14.8%) | $679,608 (11.5%) | 0.00 | 290 |
| 2023-03-01 | $549,850 (13.5%) | $701,833 (11.2%) | 0.00 | 290 |
| 2023-04-01 | $569,000 (16.9%) | $714,988 (12.5%) | 0.00 | 280 |
| 2023-05-01 | $549,975 (7.6%) | $696,546 (2.2%) | 0.00 | 275 |
| 2023-06-01 | $575,000 (9.5%) | $717,963 (3.2%) | 0.00 | 285 |
| 2023-07-01 | $585,500 (10.5%) | $732,909 (4.4%) | 0.00 | 278 |
| 2023-08-01 | $594,000 (6.2%) | $754,209 (4.7%) | 0.00 | 282 |
| 2023-09-01 | $594,950 (8.2%) | $777,155 (8.1%) | 0.00 | 305 |
| 2023-10-01 | $609,925 (10.9%) | $808,786 (16.0%) | 0.00 | 312 |
| 2023-11-01 | $602,475 (10.3%) | $791,650 (19.9%) | 0.00 | 328 |
| 2023-12-01 | $599,900 (8.6%) | $772,642 (15.2%) | 0.00 | 329 |
| 2024-01-01 | $598,650 (8.6%) | $736,826 (7.4%) | 0.00 | 338 |
| 2024-02-01 | $598,950 (8.9%) | $753,647 (10.9%) | 0.00 | 364 |
| 2024-03-01 | $599,900 (9.1%) | $770,159 (9.7%) | 0.00 | 402 |
| 2024-04-01 | $599,325 (5.3%) | $755,192 (5.6%) | 0.00 | 431 |
| 2024-05-01 | $599,325 (9.0%) | $749,390 (7.6%) | 0.00 | 451 |
| 2024-06-01 | $599,900 (4.3%) | $787,019 (9.6%) | 0.00 | 456 |
| 2024-07-01 | $599,000 (2.3%) | $786,046 (7.3%) | 0.00 | 454 |
| 2024-08-01 | $590,450 (-0.6%) | $765,769 (1.5%) | 0.00 | 475 |
| 2024-09-01 | $599,000 (0.7%) | $771,239 (-0.8%) | 0.00 | 490 |
| 2024-10-01 | $597,000 (-2.1%) | $759,131 (-6.1%) | 0.00 | 486 |
| 2024-11-01 | $579,900 (-3.8%) | $746,676 (-5.7%) | 0.00 | 498 |
| 2024-12-01 | $570,000 (-5.0%) | $706,474 (-8.6%) | 0.00 | 451 |
| 2025-01-01 | $579,750 (-3.2%) | $747,849 (1.5%) | 0.00 | 433 |
| 2025-02-01 | $577,300 (-3.6%) | $789,929 (4.8%) | 0.00 | 487 |
| 2025-03-01 | $574,500 (-4.2%) | $797,093 (3.5%) | 0.00 | 510 |
Morehead City's median listing price for 2025-03-01 was $574,500, a difference of
$-25,400
(-4.2%) versus the prior year and
$-2,800 versus the prior month.
Morehead City's median listing price comes in at 0% of the national average.
Morehead City's average listing price for 2025-03-01 was $797,093, a difference of $26,934 (3.5%) versus the prior year and $7,164 versus the prior month.
For the 2025-03-01 period, Morehead City had 510 MLS listings, a difference of 23 listings (5%) versus the prior month and 108 listings (27%) versus the prior year.
Morehead City's median listing price comes in at 0% of the national average.
Morehead City's average listing price for 2025-03-01 was $797,093, a difference of $26,934 (3.5%) versus the prior year and $7,164 versus the prior month.
For the 2025-03-01 period, Morehead City had 510 MLS listings, a difference of 23 listings (5%) versus the prior month and 108 listings (27%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Morehead City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,717 sqft |
| 2018-02-01 | 0 days | 1,750 sqft |
| 2018-03-01 | 0 days | 1,784 sqft |
| 2018-04-01 | 0 days | 1,788 sqft |
| 2018-05-01 | 0 days | 1,832 sqft |
| 2018-06-01 | 0 days | 1,842 sqft |
| 2018-07-01 | 0 days | 1,866 sqft |
| 2018-08-01 | 0 days | 1,868 sqft |
| 2018-09-01 | 0 days | 1,864 sqft |
| 2018-10-01 | 0 days | 1,847 sqft |
| 2018-11-01 | 0 days | 1,808 sqft |
| 2018-12-01 | 0 days | 1,789 sqft |
| 2019-01-01 | 0 days | 1,783 sqft |
| 2019-02-01 | 0 days | 1,796 sqft |
| 2019-03-01 | 0 days | 1,815 sqft |
| 2019-04-01 | 0 days | 1,819 sqft |
| 2019-05-01 | 0 days | 1,922 sqft |
| 2019-06-01 | 0 days | 1,947 sqft |
| 2019-07-01 | 0 days | 1,952 sqft |
| 2019-08-01 | 0 days | 1,969 sqft |
| 2019-09-01 | 0 days | 1,953 sqft |
| 2019-10-01 | 0 days | 1,925 sqft |
| 2019-11-01 | 0 days | 1,863 sqft |
| 2019-12-01 | 0 days | 1,825 sqft |
| 2020-01-01 | 0 days | 1,798 sqft |
| 2020-02-01 | 0 days | 1,796 sqft |
| 2020-03-01 | 0 days | 1,789 sqft |
| 2020-04-01 | 0 days | 1,796 sqft |
| 2020-05-01 | 0 days | 1,800 sqft |
| 2020-06-01 | 0 days | 1,923 sqft |
| 2020-07-01 | 0 days | 1,944 sqft |
| 2020-08-01 | 0 days | 1,920 sqft |
| 2020-09-01 | 0 days | 1,888 sqft |
| 2020-10-01 | 0 days | 1,874 sqft |
| 2020-11-01 | 0 days | 1,847 sqft |
| 2020-12-01 | 0 days | 1,854 sqft |
| 2021-01-01 | 0 days | 1,860 sqft |
| 2021-02-01 | 0 days | 1,942 sqft |
| 2021-03-01 | 0 days | 1,959 sqft |
| 2021-04-01 | 0 days | 1,974 sqft |
| 2021-05-01 | 0 days | 1,951 sqft |
| 2021-06-01 | 0 days | 1,901 sqft |
| 2021-07-01 | 0 days | 1,850 sqft |
| 2021-08-01 | 0 days | 1,850 sqft |
| 2021-09-01 | 0 days | 1,821 sqft |
| 2021-10-01 | 0 days | 1,810 sqft |
| 2021-11-01 | 0 days | 1,792 sqft |
| 2021-12-01 | 0 days | 1,784 sqft |
| 2022-01-01 | 0 days | 1,790 sqft |
| 2022-02-01 | 0 days | 1,808 sqft |
| 2022-03-01 | 0 days | 1,807 sqft |
| 2022-04-01 | 0 days | 1,804 sqft |
| 2022-05-01 | 0 days | 1,981 sqft |
| 2022-06-01 | 0 days | 1,941 sqft |
| 2022-07-01 | 0 days | 1,888 sqft |
| 2022-08-01 | 0 days | 2,000 sqft |
| 2022-09-01 | 0 days | 1,975 sqft |
| 2022-10-01 | 0 days | 1,960 sqft |
| 2022-11-01 | 0 days | 1,919 sqft |
| 2022-12-01 | 0 days | 1,881 sqft |
| 2023-01-01 | 0 days | 1,875 sqft |
| 2023-02-01 | 0 days | 1,918 sqft |
| 2023-03-01 | 0 days | 1,911 sqft |
| 2023-04-01 | 0 days | 1,937 sqft |
| 2023-05-01 | 0 days | 2,000 sqft |
| 2023-06-01 | 0 days | 1,977 sqft |
| 2023-07-01 | 0 days | 1,974 sqft |
| 2023-08-01 | 0 days | 1,920 sqft |
| 2023-09-01 | 0 days | 1,948 sqft |
| 2023-10-01 | 0 days | 1,910 sqft |
| 2023-11-01 | 0 days | 1,871 sqft |
| 2023-12-01 | 0 days | 1,800 sqft |
| 2024-01-01 | 0 days | 1,800 sqft |
| 2024-02-01 | 0 days | 1,765 sqft |
| 2024-03-01 | 0 days | 1,797 sqft |
| 2024-04-01 | 0 days | 1,795 sqft |
| 2024-05-01 | 0 days | 1,796 sqft |
| 2024-06-01 | 0 days | 1,832 sqft |
| 2024-07-01 | 0 days | 1,936 sqft |
| 2024-08-01 | 0 days | 1,858 sqft |
| 2024-09-01 | 0 days | 1,833 sqft |
| 2024-10-01 | 0 days | 1,826 sqft |
| 2024-11-01 | 0 days | 1,800 sqft |
| 2024-12-01 | 0 days | 1,778 sqft |
| 2025-01-01 | 0 days | 1,868 sqft |
| 2025-02-01 | 0 days | 1,899 sqft |
| 2025-03-01 | 0 days | 1,875 sqft |
Morehead City's median listing age (time on market) for 2025-03-01 was 0 days.
Morehead City's median square footage for active listings during the 2025-03-01 period was 1,875 sqft. One year prior, the average listing was 1,797 sqft.
Morehead City's median square footage for active listings during the 2025-03-01 period was 1,875 sqft. One year prior, the average listing was 1,797 sqft.
Morehead City, NC Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,158 | $523,530,000 | $452,098 |
| Refi | 269 | $81,915,000 | $304,517 |
| Other | 259 | $35,905,000 | $138,629 |
| Home Improvement | 243 | $35,495,000 | $146,070 |
| Cash Out Refi | 241 | $72,065,000 | $299,025 |
Morehead City's most frequently cited loan purpose was Home Purchase, with 1,158 originations. The 2nd most popular reason was Refi, with 269 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 802 | $312,400,000 | $389,526 |
| 7-8% | 539 | $200,815,000 | $372,570 |
| 5-6% | 378 | $129,380,000 | $342,275 |
| Over 8% | 359 | $65,405,000 | $182,187 |
| 4-5% | 15 | $5,635,000 | $375,667 |
| 3-4% | 5 | $1,155,000 | $231,000 |
| <2.5% | 5 | $155,000 | $31,000 |
| 2.5-3% | 2 | $730,000 | $365,000 |
During 2024, Morehead City's most frequently originated rate bucket was 6-7%, with 802 originations.
Loan Sizing (Morehead City, NC MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 735 | $213,495,000 | $290,469 |
| $100k-200k | 442 | $62,730,000 | $141,923 |
| $400k-600k | 369 | $178,825,000 | $484,621 |
| $100,000 or less | 368 | $21,650,000 | $58,832 |
| $600k-1000k | 183 | $133,465,000 | $729,317 |
| $Over $1MM | 73 | $138,745,000 | $1,900,616 |
Morehead City's loan sizing saw the bucket of loans from $200k-400k with 735 originations, totaling $213,495,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 612 | $254,130,000 | $415,245 |
| 60-80% | 520 | $230,080,000 | $442,462 |
| Under 20% | 346 | $28,020,000 | $80,983 |
| 20-40% | 328 | $65,800,000 | $200,610 |
| 40-60% | 237 | $117,885,000 | $497,405 |
| Over 100% | 32 | $13,120,000 | $410,000 |
Morehead City's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 612 originations, totaling $254,130,000 in origination value.