NEW BERN Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in New Bern averaged 6.31% for the week of 2024-02-15, compared to the national average of 6.77% for the same period.

The average rate for the prior week (2024-02-08) was 6.08% and one month ago for the week of 2024-01-11, the average rate was 6.4%.

New Bern's average rate one year ago was 5.46%.

For refis of the same type during the week of 2024-02-15, the average rate was 5.54%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-02-15 6.77%
New Bern 30 Year Fixed Rate 2024-02-15 6.31%
New Bern 30 Year Fixed Rate Refi 2024-02-15 5.54%
New Bern 15 Year Fixed Rate 2024-02-15 5.96%
New Bern 15 Year Fixed Rate Refi 2024-02-15 5.28%
New Bern 30 Year FHA 2024-02-15 5.84%
New Bern 30 Year FHA Refi 2024-02-15 6.41%
New Bern 30 Year USDA 2024-02-15 6.79%
New Bern 30 Year USDA Refi 2024-02-15 6.89%
New Bern 30 Year VA 2024-02-15 5.92%
New Bern 30 Year VA Refi 2024-02-15 6.26%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within NEW BERN, NC.

NEW BERN 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 NEW BERN, 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
STATE EMPLOYEES' 171 3.92% $3,672
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 148 5.32% $5,475
QUICKEN LOANS, LLC 107 5.00% $6,694
MOVEMENT MORTGAGE, LLC 98 4.87% $4,692
First-Citizens Bank & Trust Company 97 4.35% $4,277
GUARANTEED RATE, INC. 82 4.88% $5,021
NAVY FEDERAL CREDIT UNION 59 4.92% $3,320
DHI MORTGAGE COMPANY, LTD. 56 4.42% $3,843
Wells Fargo Bank 51 4.66% $3,871
LOCAL GOVERNMENT FEDERAL CREDIT UNION 45 3.94% $3,723
Truist 43 4.50% $3,811
UNION HOME MORTGAGE CORP. 26 4.79% $4,364
PNC Bank 23 4.86% $4,766
JPMorgan Chase Bank 17 4.72% $3,571
LOANDEPOT.COM, LLC 16 4.46% $5,729
Ameris Bank 16 4.49% $3,667
UNITED WHOLESALE MORTGAGE, LLC 14 5.26% $5,483
Bank of America 14 4.01% $3,710
American Security Mortgage Corp. 13 4.74% $4,434
Alpha Mortgage Corporation 11 5.55% $5,258
FREEDOM MORTGAGE CORPORATION 9 4.88% $5,847
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 4.69% $4,426
Southern Bank and Trust Company 8 5.06% $4,082
Mr. Cooper ( Nationstar Mortgage ) 8 4.56% $5,072
United Bank 8 4.58% $3,957
GUILD MORTGAGE COMPANY 8 5.59% $4,244
Renasant Bank 7 4.59% $4,354
CALIBER HOME LOANS, INC. 7 5.09% $7,954
AMERISAVE MORTGAGE CORPORATION 7 4.50% $5,793
CORNERSTONE HOME LENDING, INC. 7 5.23% $4,806
HOMESIDE FINANCIAL, LLC 7 4.37% $7,293
T2 FINANCIAL LLC 6 5.38% $6,121
CROSSCOUNTRY MORTGAGE, LLC 6 6.00% $6,136
BROKER SOLUTIONS, INC. 6 5.06% $5,513
HOME POINT FINANCIAL CORPORATION 6 4.35% $5,255
PENTAGON FEDERAL CREDIT UNION 6 4.40% $3,740
Ally Bank 5 4.83% $2,356
BETTER MORTGAGE CORPORATION 5 4.05% $5,015
AMERICAN FINANCING CORPORATION 5 4.07% $6,626
INTERCOASTAL MORTGAGE COMPANY 4 4.59% $3,244
PENNYMAC LOAN SERVICES, LLC 4 4.12% $5,381
ANGEL OAK HOME LOANS LLC 4 4.66% $3,629
MUTUAL OF OMAHA MORTGAGE, INC. 4 4.09% $5,982
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 4 5.31% $7,492
CARDINAL FINANCIAL 3 4.54% $8,067
Corporate Investors Mortgage Group, Inc. 3 5.21% $6,536
Alcova Mortgage LLC 3 6.17% $5,613
Mortgage Research Center, LLC 3 5.12% $3,634
EQUITY RESOURCES, INC. 3 5.25% $5,462
First Guaranty Mortgage Corporation 3 4.71% $3,199
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 4.83% $4,694
Regions Bank 3 4.25% $5,467
American National Bank and Trust Company 3 3.33% $3,343
Third Federal Savings and Loan Association of Cleveland 3 4.74% $113
CMG MORTGAGE, INC. 3 5.00% $6,632
Towne Bank 3 4.79% $3,473
West Town Bank & Trust 3 4.88% $5,677
WEYCO COMMUNITY CREDIT UNION 3 2.55% $3,522
Wyndham Capital Mortgage, Inc. 3 5.12% $2,955
21ST MORTGAGE CORPORATION 3 6.50% $5,520
KeyBank 2 3.94% $5,132
LAKEVIEW LOAN SERVICING, LLC 2 4.31% $5,130
A&D Mortgage LLC 2 7.68% $5,774
CORNING 2 4.38% $2,819
First National Bank of Pennsylvania 2 4.31% $2,876
PREMIER LENDING, INC. 2 5.50% $5,919
Truliant Federal Credit Union 2 5.50% $3,300
HOMESPIRE MORTGAGE CORPORATION 2 3.50% $4,284
Paramount Residential Mortgage Group, Inc. 2 5.50% $6,090
Atlantic Union Bank 2 4.00% $5,750
United Community Bank 2 5.44% $4,095
NEWREZ LLC 2 6.93% $9,886
COASTAL Federal Credit Union 2 4.13% $2,874
USAA Federal Savings Bank 2 6.19% $4,261
Morgan Stanley Private Bank 2 4.05% $3,208
MCLEAN MORTGAGE CORPORATION 2 6.06% $4,732
George Mason Mortgage, LLC 2 5.44% $3,566
AgCarolina Farm Credit, FLCA 2 6.38% $8,170
GoPrime Mortgage, Inc. 2 4.94% $7,572
Flagstar Bank, FSB 2 4.78% $3,496
CRESCENT MORTGAGE COMPANY 2 3.94% $3,458
ROYAL UNITED MORTGAGE LLC 2 6.00% $6,945
RELIANCE FIRST CAPITAL, LLC 2 4.00% $6,605
ZILLOW HOME LOANS, LLC 1 5.63% $3,559
ABERDEEN PROVING GROUND FEDERAL CREDIT UNION 1 2.13% $3,254
ACADEMY MORTGAGE CORPORATION 1 6.25% $6,839
AgFirst Farm Credit Bank 1 6.63% $4,461
AIR ACADEMY 1 3.85% $2,826
AMERICAN HERITAGE FCU 1 5.88% $3,136
AMERICAN PACIFIC MORTGAGE CORPORATION 1 5.75% $3,191
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 5.00% $6,236
Arvest Bank 1 3.50% $8,776
Axos Bank 1 6.38% $2,964
Barrington Bank & Trust Company, N.A. 1 4.75% $3,168
CAPITAL CENTER, L.L.C. 1 5.13% $3,438
CBM Mortgage, Inc. 1 3.63% $7,888
CENTRAL ONE FEDERAL CREDIT UNION 1 3.75% $2,690
CHURCHILL MORTGAGE CORPORATION 1 7.13% $4,662
CITIZENS EQUITY FIRST 1 3.63% $10,410
Clearview Federal Credit Union 1 4.54% $3,412
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 4.50% $3,319
EMBRACE HOME LOANS, INC. 1 5.63% $4,539
EMM LOANS LLC 1 6.50% $3,357
Equity Prime Mortgage LLC 1 4.63% $2,488
FEDCHOICE Federal Credit Union 1 6.88% $2,028
Fifth Third Bank 1 6.25% $5,464
FINANCE OF AMERICA MORTGAGE LLC 1 3.88% $4,135
First Bank 1 3.25% $2,132
FirstBank 1 3.88% $2,177
First Heritage Mortgage, LLC 1 3.75% $3,123
FIRST HOME MORTGAGE CORPORATION 1 5.99% $4,693
First Internet Bank of Indiana 1 3.38% $3,086
First Reliance Bank 1 5.88% $5,179
First Republic Bank 1 3.85% $4,374
First State Bank of St. Charles, Missouri 1 4.75% $2,888
F & M BANK CORP. 1 5.38% $8,454
Goldwater Bank, N.A. 1 5.38% $4,526
GSF Mortgage Corporation 1 4.49% $3,942
Hawthorn Bank 1 3.75% $2,916
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 2.25% $0
Hometown Lenders, Inc. 1 5.62% $5,218
INTERCAP LENDING INC. 1 5.38% $3,356
KELLER MORTGAGE, LLC 1 5.25% $3,711
LAFAYETTE FEDERAL CREDIT UNION 1 5.75% $25,655
LATINO COMMUNITY CREDIT UNION 1 6.00% $3,075
LOANPAL, LLC 1 3.88% $7,620
MASON MCDUFFIE MORTGAGE CORPORATION 1 4.25% $3,880
MORIA DEVELOPMENT, INC. 1 5.88% $3,799
MORTGAGE ACCESS CORP. 1 3.25% $3,495
Mortgage Assurance Inc. 1 5.13% $3,233
NBH Bank 1 4.00% $6,490
NBKC BANK 1 5.88% $2,932
NETWORK CAPITAL FUNDING CORPORATION 1 6.63% $6,315
NewTowne Mortgage, LLC 1 5.00% $5,143
NEXERA HOLDING LLC 1 10.63% $9,441
NFM, INC. 1 5.63% $3,750
North American Savings Bank, F.S.B. 1 6.88% $817
Northpointe Bank 1 4.38% $7,759
Old Second National Bank 1 5.38% $6,000
Pinnacle Bank 1 6.00% $3,302
PLANET HOME LENDING, LLC 1 5.99% $4,542
PLAZA HOME MORTGAGE, INC. 1 6.50% $5,372
PROPONENT Federal Credit Union 1 3.63% $3,070
Prosperity Home Mortgage, LLC 1 4.25% $4,723
RAPID MORTGAGE COMPANY 1 5.38% $3,557
Raymond James Bank 1 4.50% $1,844
SECURITYNATIONAL MORTGAGE COMPANY 1 3.12% $5,262
Shamrock Home Loans, Inc. 1 4.13% $7,067
Sierra Pacific Mortgage Company, Inc. 1 6.13% $3,196
South State Bank 1 3.50% $2,459
Sunflower Bank 1 7.49% $5,715
TEACHERS 1 4.13% $4,441
The Huntington National Bank 1 4.38% $3,443
THE MORTGAGE FIRM, INC. 1 3.38% $3,507
THRIVENT Federal Credit Union 1 3.63% $3,343
TIDEWATER MORTGAGE SERVICES, INC. 1 4.38% $10,042
TJC Mortgage, Inc. 1 5.63% $5,834
TOP FLITE FINANCIAL, INC. 1 5.38% $9,524
TOTAL MORTGAGE SERVICES, LLC 1 3.38% $4,925
Towne Mortgage of the Carolinas, LLC 1 5.88% $3,513
UBS Bank USA 1 5.13% $6,256
Univest Bank and Trust Co. 1 6.88% $11,272
U.S. Bank 1 5.13% $3,348
VANDERBILT MORTGAGE AND FINANCE, INC. 1 3.75% $4,085
Watermark Capital, Inc. 1 3.13% $3,758

NEW BERN Average Closing Costs & Other Stats

NEW BERN, NC's 165 lenders originated 4,059 loans during 2022. The total origination value was $904,585,000, with an average loan value of $222,859.

NEW BERN's average closing costs are $4,602.

The top NEW BERN lender as defined by loan originations is STATE EMPLOYEES', with 171 loans originated. Their average total fees are $3,672, which is $1,804 lower than the next largest lender, ATLANTIC BAY MORTGAGE GROUP, L.L.C..

The lowest fee NEW BERN lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($3,320), JPMorgan Chase Bank ($3,571), Ameris Bank ($3,667), STATE EMPLOYEES' ($3,672) and Bank of America ($3,710).

The lowest rate NEW BERN lenders (with over 10 loans originated) are STATE EMPLOYEES' (3.92%), LOCAL GOVERNMENT FEDERAL CREDIT UNION (3.94%), Bank of America (4.01%), First-Citizens Bank & Trust Company (4.35%) and DHI MORTGAGE COMPANY, LTD. (4.42%).

NEW BERN, 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $84,880,000 $70,595,000 -16.8% 7.8%
First-Citizens Bank & Trust Company $90,705,000 $65,470,000 -27.8% 7.2%
STATE EMPLOYEES' $60,720,000 $57,840,000 -4.7% 6.4%
NAVY FEDERAL CREDIT UNION $75,210,000 $56,605,000 -24.7% 6.3%
QUICKEN LOANS, LLC $94,580,000 $53,110,000 -43.8% 5.9%
MOVEMENT MORTGAGE, LLC $72,425,000 $46,655,000 -35.6% 5.2%
Mortgage Research Center, LLC $47,475,000 $42,505,000 -10.5% 4.7%
GUARANTEED RATE, INC. $67,790,000 $41,245,000 -39.2% 4.6%
DHI MORTGAGE COMPANY, LTD. $25,280,000 $40,040,000 58.4% 4.4%
First National Bank of Pennsylvania $3,935,000 $35,610,000 805.0% 3.9%
Truist $46,400,000 $35,320,000 -23.9% 3.9%
PNC Bank $13,750,000 $17,960,000 30.6% 2.0%
Wells Fargo Bank $34,740,000 $17,765,000 -48.9% 2.0%
FREEDOM MORTGAGE CORPORATION $40,040,000 $14,580,000 -63.6% 1.6%
LOCAL GOVERNMENT FEDERAL CREDIT UNION $8,920,000 $14,385,000 61.3% 1.6%
UNION HOME MORTGAGE CORP. $15,035,000 $12,410,000 -17.5% 1.4%
UNITED WHOLESALE MORTGAGE, LLC $11,185,000 $12,005,000 7.3% 1.3%
LOANDEPOT.COM, LLC $17,695,000 $10,055,000 -43.2% 1.1%
American Security Mortgage Corp. $15,345,000 $9,965,000 -35.1% 1.1%
United Bank $3,940,000 $8,745,000 122.0% 1.0%
CALIBER HOME LOANS, INC. $7,990,000 $8,590,000 7.5% 0.9%
Alpha Mortgage Corporation $4,615,000 $8,565,000 85.6% 0.9%
PENNYMAC LOAN SERVICES, LLC $17,380,000 $7,625,000 -56.1% 0.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $4,805,000 $7,595,000 58.1% 0.8%
USAA Federal Savings Bank $10,065,000 $7,010,000 -30.4% 0.8%
Bank of America $7,135,000 $6,765,000 -5.2% 0.7%
Ameris Bank $7,590,000 $5,545,000 -26.9% 0.6%
Southern Bank and Trust Company $4,995,000 $5,205,000 4.2% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $11,420,000 $5,110,000 -55.3% 0.6%
GUILD MORTGAGE COMPANY $1,315,000 $4,790,000 264.3% 0.5%
NEW DAY FINANCIAL, LLC $11,130,000 $4,535,000 -59.3% 0.5%
JPMorgan Chase Bank $5,980,000 $4,495,000 -24.8% 0.5%
AMERISAVE MORTGAGE CORPORATION $10,895,000 $4,330,000 -60.3% 0.5%
PENTAGON FEDERAL CREDIT UNION $3,160,000 $3,715,000 17.6% 0.4%
CROSSCOUNTRY MORTGAGE, LLC $5,260,000 $3,700,000 -29.7% 0.4%
First Bank $345,000 $3,635,000 953.6% 0.4%
INTERCOASTAL MORTGAGE COMPANY $3,430,000 $3,450,000 0.6% 0.4%
First Horizon Bank $3,355,000 n/a 0.4%
Union Bank $2,730,000 $3,270,000 19.8% 0.4%
21ST MORTGAGE CORPORATION $2,060,000 $3,240,000 57.3% 0.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $6,270,000 $3,060,000 -51.2% 0.3%
Renasant Bank $5,080,000 $3,010,000 -40.7% 0.3%
BROKER SOLUTIONS, INC. $3,095,000 $2,955,000 -4.5% 0.3%
CORNERSTONE HOME LENDING, INC. $8,350,000 $2,890,000 -65.4% 0.3%
FIRST FLIGHT FEDERAL CREDIT UNION $6,130,000 $2,745,000 -55.2% 0.3%
The Federal Savings Bank $4,015,000 $2,685,000 -33.1% 0.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $2,575,000 $2,550,000 -1.0% 0.3%
ANGEL OAK HOME LOANS LLC $2,505,000 $2,385,000 -4.8% 0.3%
Regions Bank $865,000 $2,375,000 174.6% 0.3%
CMG MORTGAGE, INC. $3,070,000 $2,355,000 -23.3% 0.3%
Towne Bank $3,020,000 $2,275,000 -24.7% 0.3%
HOME POINT FINANCIAL CORPORATION $4,405,000 $2,215,000 -49.7% 0.2%
CIVIC FINANCIAL SERVICES, LLC $2,180,000 n/a 0.2%
HOMESIDE FINANCIAL, LLC $1,850,000 $2,160,000 16.8% 0.2%
LAKEVIEW LOAN SERVICING, LLC $9,335,000 $1,965,000 -79.0% 0.2%
First Carolina Bank $255,000 $1,845,000 623.5% 0.2%
Ally Bank $1,835,000 n/a 0.2%
AMERICAN FINANCING CORPORATION $2,480,000 $1,830,000 -26.2% 0.2%
EQUITY RESOURCES, INC. $3,445,000 $1,780,000 -48.3% 0.2%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $1,805,000 $1,710,000 -5.3% 0.2%
Fifth Third Bank $1,305,000 $1,640,000 25.7% 0.2%
Equity Prime Mortgage LLC $855,000 $1,560,000 82.5% 0.2%
NEWREZ LLC $3,875,000 $1,550,000 -60.0% 0.2%
RELIANCE FIRST CAPITAL, LLC $1,165,000 $1,470,000 26.2% 0.2%
T2 FINANCIAL LLC $1,975,000 $1,335,000 -32.4% 0.1%
Wyndham Capital Mortgage, Inc. $2,180,000 $1,305,000 -40.1% 0.1%
Citizens Bank $885,000 $1,300,000 46.9% 0.1%
Barrington Bank & Trust Company, N.A. $600,000 $1,230,000 105.0% 0.1%
TOP FLITE FINANCIAL, INC. $500,000 $1,210,000 142.0% 0.1%
Flagstar Bank, FSB $3,155,000 $1,185,000 -62.4% 0.1%
United Community Bank $345,000 $1,185,000 243.5% 0.1%
BETTER MORTGAGE CORPORATION $7,965,000 $1,180,000 -85.2% 0.1%
Atlantic Coast Mortgage, LLC $390,000 $1,165,000 198.7% 0.1%
PLANET HOME LENDING, LLC $2,090,000 $1,155,000 -44.7% 0.1%
Alcova Mortgage LLC $4,340,000 $1,125,000 -74.1% 0.1%
PHH Mortgage Corporation $1,150,000 $1,095,000 -4.8% 0.1%
Carrington Mortgage Services, LLC $4,300,000 $1,030,000 -76.0% 0.1%
CITIZENS EQUITY FIRST $965,000 n/a 0.1%
Sunflower Bank $545,000 $960,000 76.1% 0.1%
WEYCO COMMUNITY CREDIT UNION $850,000 $955,000 12.4% 0.1%
Marine Federal Credit Union $1,670,000 $950,000 -43.1% 0.1%
AMERICAN ADVISORS GROUP $170,000 $935,000 450.0% 0.1%
North American Savings Bank, F.S.B. $1,235,000 $925,000 -25.1% 0.1%
CORNING $180,000 $880,000 388.9% 0.1%
CLEARPATH LENDING $4,565,000 $870,000 -80.9% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $2,715,000 $870,000 -68.0% 0.1%
Nations Lending Corporation $830,000 $865,000 4.2% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $2,125,000 $850,000 -60.0% 0.1%
GoPrime Mortgage, Inc. $1,085,000 $845,000 -22.1% 0.1%
Sandy Spring Bank $815,000 n/a 0.1%
COASTAL Federal Credit Union $1,575,000 $800,000 -49.2% 0.1%
Blue Ridge Bank $500,000 $795,000 59.0% 0.1%
Corporate Investors Mortgage Group, Inc. $5,000,000 $790,000 -84.2% 0.1%
HOMESTAR FINANCIAL CORPORATION $850,000 $780,000 -8.2% 0.1%
UBS Bank USA $85,000 $775,000 811.8% 0.1%
BNC National Bank $1,855,000 $750,000 -59.6% 0.1%
Pinnacle Bank $570,000 $735,000 28.9% 0.1%
Third Federal Savings and Loan Association of Cleveland $290,000 $735,000 153.4% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $470,000 $720,000 53.2% 0.1%
American National Bank and Trust Company $420,000 $705,000 67.9% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $215,000 $705,000 227.9% 0.1%
CRESCENT MORTGAGE COMPANY $2,235,000 $700,000 -68.7% 0.1%
NFM, INC. $720,000 $690,000 -4.2% 0.1%
Morgan Stanley Private Bank $515,000 $680,000 32.0% 0.1%
SPRING EQ, LLC $290,000 $680,000 134.5% 0.1%
South State Bank $1,285,000 $670,000 -47.9% 0.1%
AgCarolina Farm Credit, FLCA $930,000 $660,000 -29.0% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,995,000 $660,000 -66.9% 0.1%
PREMIER LENDING, INC. $650,000 n/a 0.1%
U.S. Bank $1,000,000 $650,000 -35.0% 0.1%
Hometown Lenders, Inc. $1,410,000 $635,000 -55.0% 0.1%
SOUTHWEST STAGE FUNDING, LLC $880,000 $615,000 -30.1% 0.1%
First Guaranty Mortgage Corporation $2,555,000 $605,000 -76.3% 0.1%
Gateway First Bank $1,555,000 $605,000 -61.1% 0.1%
George Mason Mortgage, LLC $625,000 $600,000 -4.0% 0.1%
Truliant Federal Credit Union $195,000 $600,000 207.7% 0.1%
Discover Bank $85,000 $595,000 600.0% 0.1%
NETWORK CAPITAL FUNDING CORPORATION $585,000 n/a 0.1%
EMBRACE HOME LOANS, INC. $1,015,000 $580,000 -42.9% 0.1%
F & M BANK CORP. $105,000 $570,000 442.9% 0.1%
West Town Bank & Trust $3,555,000 $565,000 -84.1% 0.1%
CHURCHILL MORTGAGE CORPORATION $1,200,000 $550,000 -54.2% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,160,000 $535,000 -75.2% 0.1%
Prudential Huntoon Paige Associates, LLC $535,000 n/a 0.1%
VILLAGE CAPITAL MORTGAGE $7,935,000 $525,000 -93.4% 0.1%
First Heritage Mortgage, LLC $1,645,000 $520,000 -68.4% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $175,000 $520,000 197.1% 0.1%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $525,000 $500,000 -4.8% 0.1%
HOMESPIRE MORTGAGE CORPORATION $500,000 n/a 0.1%
PLAZA HOME MORTGAGE, INC. $770,000 $500,000 -35.1% 0.1%
Mid-Continent Funding, Inc. $1,240,000 $490,000 -60.5% 0.1%
THRIVE MORTGAGE, LLC $485,000 n/a 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $495,000 $475,000 -4.0% 0.1%
Meridian Bank Corporation $550,000 $465,000 -15.5% 0.1%
Towne First Mortgage, LLC $465,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $1,705,000 $460,000 -73.0% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $255,000 $455,000 78.4% 0.1%
Arvest Bank $575,000 $440,000 -23.5% 0.0%
NBKC BANK $1,895,000 $440,000 -76.8% 0.0%
RAPID MORTGAGE COMPANY $155,000 $420,000 171.0% 0.0%
KeyBank $410,000 n/a 0.0%
Clearview Federal Credit Union $405,000 n/a 0.0%
LENDSURE MORTGAGE CORP. $405,000 n/a 0.0%
Low VA Rates, LLC $985,000 $400,000 -59.4% 0.0%
Lakeview Community Capital, LLC $1,630,000 $395,000 -75.8% 0.0%
NBH Bank $740,000 $385,000 -48.0% 0.0%
Univest Bank and Trust Co. $375,000 n/a 0.0%
Axos Bank $370,000 n/a 0.0%
First Reliance Bank $155,000 $365,000 135.5% 0.0%
Northpointe Bank $290,000 $360,000 24.1% 0.0%
GSF Mortgage Corporation $615,000 $355,000 -42.3% 0.0%
TRIAD FINANCIAL SERVICES, INC. $65,000 $355,000 446.2% 0.0%
TEACHERS $345,000 n/a 0.0%
C & F Mortgage Corporation $385,000 $335,000 -13.0% 0.0%
Mortgage Assurance Inc. $405,000 $335,000 -17.3% 0.0%
FirstBank $2,775,000 $315,000 -88.6% 0.0%
Hawthorn Bank $315,000 n/a 0.0%
TOTAL MORTGAGE SERVICES, LLC $315,000 n/a 0.0%
FINANCE OF AMERICA MORTGAGE LLC $980,000 $310,000 -68.4% 0.0%
ACADEMY MORTGAGE CORPORATION $305,000 n/a 0.0%
Armed Forces Bank $145,000 $305,000 110.3% 0.0%
Atlantic Union Bank $305,000 n/a 0.0%
MCLEAN MORTGAGE CORPORATION $640,000 $300,000 -53.1% 0.0%
FIRST COMMUNITY MORTGAGE, INC. $295,000 n/a 0.0%
INTERCAP LENDING INC. $295,000 n/a 0.0%
THE MORTGAGE FIRM, INC. $295,000 n/a 0.0%
Paramount Residential Mortgage Group, Inc. $225,000 $290,000 28.9% 0.0%
TD Bank $970,000 $285,000 -70.6% 0.0%
TJC Mortgage, Inc. $510,000 $285,000 -44.1% 0.0%
TOWNE MORTGAGE COMPANY $285,000 n/a 0.0%
CONTOUR MORTGAGE CORPORATION $655,000 $275,000 -58.0% 0.0%
TIDEWATER MORTGAGE SERVICES, INC. $275,000 n/a 0.0%
CENTRAL ONE FEDERAL CREDIT UNION $265,000 n/a 0.0%
DAS Acquisition Company, LLC $225,000 $265,000 17.8% 0.0%
LAFAYETTE FEDERAL CREDIT UNION $255,000 n/a 0.0%
MORTGAGE ACCESS CORP. $255,000 n/a 0.0%
SOUTHPOINT FINANCIAL SERVICES, INC. $245,000 n/a 0.0%
U S WIDE FINANCIAL LLC $245,000 n/a 0.0%
ABERDEEN PROVING GROUND FEDERAL CREDIT UNION $240,000 n/a 0.0%
AMERICAN HERITAGE FCU $240,000 n/a 0.0%
CBM Mortgage, Inc. $235,000 n/a 0.0%
First Republic Bank $235,000 n/a 0.0%
Raymond James Bank $665,000 $235,000 -64.7% 0.0%
CSL Financial, LLC $230,000 n/a 0.0%
LENDINGHOME FUNDING CORPORATION $2,255,000 $225,000 -90.0% 0.0%
SHELTER HOME MORTGAGE, LLC $225,000 n/a 0.0%
A&D Mortgage LLC $325,000 $220,000 -32.3% 0.0%
LIMA ONE CAPITAL, LLC $75,000 $220,000 193.3% 0.0%
QUORUM FEDERAL CREDIT UNION $135,000 $220,000 63.0% 0.0%
PROPONENT Federal Credit Union $15,000 $215,000 1,333.3% 0.0%
ROYAL UNITED MORTGAGE LLC $730,000 $210,000 -71.2% 0.0%
American Airlines Federal Credit Union $215,000 $205,000 -4.7% 0.0%
EMM LOANS LLC $125,000 $205,000 64.0% 0.0%
First Internet Bank of Indiana $265,000 $205,000 -22.6% 0.0%
Mortgage Lenders Investment Trading Corporation $175,000 $205,000 17.1% 0.0%
PANORAMA MORTGAGE GROUP, LLC $205,000 n/a 0.0%
ACOPIA, LLC $195,000 n/a 0.0%
FEDCHOICE Federal Credit Union $195,000 n/a 0.0%
Goldwater Bank, N.A. $195,000 $195,000 0.0% 0.0%
Strong Home Mortgage, LLC $425,000 $195,000 -54.1% 0.0%
EVERETT FINANCIAL, INC. $185,000 n/a 0.0%
Figure Lending LLC $70,000 $185,000 164.3% 0.0%
First State Bank of St. Charles, Missouri $225,000 $185,000 -17.8% 0.0%
KELLER MORTGAGE, LLC $3,330,000 $185,000 -94.4% 0.0%
NEXERA HOLDING LLC $185,000 n/a 0.0%
Old Second National Bank $185,000 n/a 0.0%
Shamrock Home Loans, Inc. $155,000 $185,000 19.4% 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $895,000 $185,000 -79.3% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $155,000 $180,000 16.1% 0.0%
Northwest Federal Credit Union $175,000 n/a 0.0%
The Huntington National Bank $170,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $455,000 $165,000 -63.7% 0.0%
Bank-Fund Staff Federal Credit Union $165,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $460,000 $165,000 -64.1% 0.0%
MASON MCDUFFIE MORTGAGE CORPORATION $165,000 n/a 0.0%
MORIA DEVELOPMENT, INC. $185,000 $165,000 -10.8% 0.0%
Bell Bank $155,000 n/a 0.0%
First Federal Bank of Kansas City $295,000 $155,000 -47.5% 0.0%
LOANPAL, LLC $590,000 $155,000 -73.7% 0.0%
THRIVENT Federal Credit Union $155,000 n/a 0.0%
AgFirst Farm Credit Bank $145,000 n/a 0.0%
M&T Bank $1,155,000 $145,000 -87.4% 0.0%
RADIUS FINANCIAL GROUP INC. $145,000 n/a 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $105,000 $135,000 28.6% 0.0%
HOMEXPRESS MORTGAGE CORP. $135,000 n/a 0.0%
LATINO COMMUNITY CREDIT UNION $135,000 n/a 0.0%
NewTowne Mortgage, LLC $105,000 $135,000 28.6% 0.0%
AIR ACADEMY $125,000 n/a 0.0%
CAPITAL CENTER, L.L.C. $830,000 $125,000 -84.9% 0.0%
HOMESTEAD FUNDING CORP. $525,000 $125,000 -76.2% 0.0%
Platinum Home Mortgage Corporation $125,000 n/a 0.0%
Towne Mortgage of the Carolinas, LLC $125,000 n/a 0.0%
AMERICAN HERITAGE LENDING, INC. $115,000 n/a 0.0%
LENDINGONE, LLC $105,000 $115,000 9.5% 0.0%
OCMBC, INC. $115,000 n/a 0.0%
SWBC MORTGAGE CORPORATION $115,000 n/a 0.0%
EMERY FEDERAL CREDIT UNION $105,000 n/a 0.0%
FIRST HOME MORTGAGE CORPORATION $450,000 $105,000 -76.7% 0.0%
Prosperity Home Mortgage, LLC $720,000 $105,000 -85.4% 0.0%
Sierra Pacific Mortgage Company, Inc. $95,000 n/a 0.0%
South Atlantic Bank $85,000 n/a 0.0%
Watermark Capital, Inc. $245,000 $85,000 -65.3% 0.0%
Waterstone Mortgage Corporation $245,000 $85,000 -65.3% 0.0%
ALLEGACY FEDERAL CREDIT UNION $245,000 $75,000 -69.4% 0.0%
Service Federal Credit Union $75,000 n/a 0.0%
Park Lane Finance Solutions, LLC $65,000 n/a 0.0%
ALLIANT CREDIT UNION $260,000 $55,000 -78.8% 0.0%
N R L Federal Credit Union $260,000 $35,000 -86.5% 0.0%
SHARONVIEW FEDERAL CREDIT UNION $145,000 $35,000 -75.9% 0.0%
Summit Credit Union $35,000 n/a 0.0%
Superior Credit Union, Inc. $35,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%
LANGLEY $25,000 n/a 0.0%
INOVA FEDERAL CREDIT UNION $15,000 n/a 0.0%

NEW BERN's top lender by overall market share is ATLANTIC BAY MORTGAGE GROUP, L.L.C., with 7.8% market share. In second place, with 7.2%, is First-Citizens Bank & Trust Company, having originated $65,470,000 in loans. In third place, with 6.4%, is STATE EMPLOYEES', having originated $57,840,000 in loans. In fourth place, with 6.3%, is NAVY FEDERAL CREDIT UNION, having originated $56,605,000 in loans. In fifth place, with 5.9%, is QUICKEN LOANS, LLC, having originated $53,110,000 in loans.


NEW BERN Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - NEW BERN (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 $194,925 (6.2%) $246,422 (3.1%) 0.00 758
2018-02-01 $192,700 (-2.4%) $242,828 (-2.6%) 0.00 748
2018-03-01 $195,900 (-5.1%) $249,954 (-1.6%) 0.00 750
2018-04-01 $198,725 (-3.8%) $255,124 (-0.7%) 0.00 791
2018-05-01 $198,475 (-4.4%) $252,696 (-3.7%) 0.00 831
2018-06-01 $200,000 (-4.1%) $256,215 (-2.8%) 0.00 837
2018-07-01 $208,850 (2.4%) $254,440 (-3.2%) 0.00 819
2018-08-01 $207,450 (1.2%) $256,363 (-3.4%) 0.00 810
2018-09-01 $206,250 (3.1%) $256,815 (-2.9%) 0.00 749
2018-10-01 $209,875 (3.9%) $260,439 (-3.7%) 0.00 582
2018-11-01 $214,100 (7.6%) $261,450 (2.4%) 0.00 535
2018-12-01 $218,250 (11.9%) $262,666 (6.3%) 0.00 498
2019-01-01 $223,380 (14.6%) $262,544 (6.5%) 0.00 454
2019-02-01 $229,088 (18.9%) $274,253 (12.9%) 0.00 456
2019-03-01 $232,657 (18.8%) $281,231 (12.5%) 0.00 520
2019-04-01 $236,908 (19.2%) $286,539 (12.3%) 0.00 566
2019-05-01 $242,705 (22.3%) $294,889 (16.7%) 0.00 598
2019-06-01 $242,610 (21.3%) $293,590 (14.6%) 0.00 670
2019-07-01 $239,950 (14.9%) $292,142 (14.8%) 0.00 718
2019-08-01 $237,173 (14.3%) $288,121 (12.4%) 0.00 737
2019-09-01 $233,082 (13.0%) $284,637 (10.8%) 0.00 738
2019-10-01 $230,400 (9.8%) $283,346 (8.8%) 0.00 733
2019-11-01 $229,900 (7.4%) $284,877 (9.0%) 0.00 740
2019-12-01 $225,000 (3.1%) $284,987 (8.5%) 0.00 716
2020-01-01 $225,000 (0.7%) $284,623 (8.4%) 0.00 688
2020-02-01 $229,900 (0.4%) $289,513 (5.6%) 0.00 675
2020-03-01 $235,000 (1.0%) $297,217 (5.7%) 0.00 658
2020-04-01 $236,625 (-0.1%) $294,566 (2.8%) 0.00 675
2020-05-01 $241,900 (-0.3%) $305,849 (3.7%) 0.00 628
2020-06-01 $249,400 (2.8%) $317,873 (8.3%) 0.00 565
2020-07-01 $246,300 (2.7%) $319,337 (9.3%) 0.00 530
2020-08-01 $248,850 (4.9%) $320,702 (11.3%) 0.00 461
2020-09-01 $249,000 (6.8%) $329,249 (15.7%) 0.00 405
2020-10-01 $245,000 (6.3%) $331,698 (17.1%) 0.00 398
2020-11-01 $247,000 (7.4%) $335,307 (17.7%) 0.00 391
2020-12-01 $239,000 (6.2%) $326,890 (14.7%) 0.00 361
2021-01-01 $239,890 (6.6%) $329,185 (15.7%) 0.00 313
2021-02-01 $257,438 (12.0%) $346,731 (19.8%) 0.00 292
2021-03-01 $257,700 (9.7%) $334,155 (12.4%) 0.00 278
2021-04-01 $264,760 (11.9%) $332,957 (13.0%) 0.00 268
2021-05-01 $280,900 (16.1%) $352,412 (15.2%) 0.00 259
2021-06-01 $280,400 (12.4%) $346,973 (9.2%) 0.00 253
2021-07-01 $273,450 (11.0%) $341,497 (6.9%) 0.00 271
2021-08-01 $275,450 (10.7%) $343,858 (7.2%) 0.00 276
2021-09-01 $273,368 (9.8%) $350,128 (6.3%) 0.00 251
2021-10-01 $289,925 (18.3%) $370,371 (11.7%) 0.00 253
2021-11-01 $299,225 (21.1%) $389,577 (16.2%) 0.00 232
2021-12-01 $310,000 (29.7%) $398,072 (21.8%) 0.00 219
2022-01-01 $307,500 (28.2%) $409,097 (24.3%) 0.00 192
2022-02-01 $314,233 (22.1%) $405,665 (17.0%) 0.00 158
2022-03-01 $317,500 (23.2%) $420,079 (25.7%) 0.00 140
2022-04-01 $311,000 (17.5%) $420,612 (26.3%) 0.00 145
2022-05-01 $325,000 (15.7%) $419,810 (19.1%) 0.00 170
2022-06-01 $325,225 (16.0%) $422,196 (21.7%) 0.00 200
2022-07-01 $329,950 (20.7%) $421,787 (23.5%) 0.00 255
2022-08-01 $334,025 (21.3%) $405,819 (18.0%) 0.00 249
2022-09-01 $335,500 (22.7%) $410,582 (17.3%) 0.00 245
2022-10-01 $330,990 (14.2%) $406,553 (9.8%) 0.00 256
2022-11-01 $329,595 (10.2%) $417,244 (7.1%) 0.00 260
2022-12-01 $325,450 (5.0%) $406,299 (2.1%) 0.00 248
2023-01-01 $325,450 (5.8%) $404,534 (-1.1%) 0.00 242
2023-02-01 $338,500 (7.7%) $413,078 (1.8%) 0.00 227
2023-03-01 $347,060 (9.3%) $410,914 (-2.2%) 0.00 209
2023-04-01 $359,750 (15.7%) $430,049 (2.2%) 0.00 223
2023-05-01 $362,498 (11.5%) $429,311 (2.3%) 0.00 281
2023-06-01 $369,648 (13.7%) $427,730 (1.3%) 0.00 339
2023-07-01 $355,000 (7.6%) $418,094 (-0.9%) 0.00 328
2023-08-01 $359,888 (7.7%) $424,160 (4.5%) 0.00 340
2023-09-01 $362,700 (8.1%) $424,926 (3.5%) 0.00 339
2023-10-01 $369,450 (11.6%) $420,569 (3.5%) 0.00 383
2023-11-01 $365,123 (10.8%) $422,084 (1.2%) 0.00 440
2023-12-01 $356,000 (9.4%) $405,863 (-0.1%) 0.00 443
NEW BERN's median listing price for 2023-12-01 was $356,000, a difference of $30,550 (9.4%) versus the prior year and $-9,123 versus the prior month.

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

NEW BERN's average listing price for 2023-12-01 was $405,863, a difference of $-436 (-0.1%) versus the prior year and $-16,221 versus the prior month.

For the 2023-12-01 period, NEW BERN had 443 MLS listings, a difference of 3 listings (1%) versus the prior month and 195 listings (79%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - NEW BERN (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,888 sqft
2018-02-01 0 days 1,869 sqft
2018-03-01 0 days 1,865 sqft
2018-04-01 0 days 1,850 sqft
2018-05-01 0 days 1,854 sqft
2018-06-01 0 days 1,836 sqft
2018-07-01 0 days 1,838 sqft
2018-08-01 0 days 1,834 sqft
2018-09-01 0 days 1,836 sqft
2018-10-01 0 days 1,855 sqft
2018-11-01 0 days 1,900 sqft
2018-12-01 0 days 1,902 sqft
2019-01-01 0 days 1,906 sqft
2019-02-01 0 days 1,945 sqft
2019-03-01 0 days 1,955 sqft
2019-04-01 0 days 1,942 sqft
2019-05-01 0 days 1,980 sqft
2019-06-01 0 days 1,990 sqft
2019-07-01 0 days 1,961 sqft
2019-08-01 0 days 1,941 sqft
2019-09-01 0 days 1,948 sqft
2019-10-01 0 days 1,952 sqft
2019-11-01 0 days 1,950 sqft
2019-12-01 0 days 1,933 sqft
2020-01-01 0 days 1,913 sqft
2020-02-01 0 days 1,928 sqft
2020-03-01 0 days 1,940 sqft
2020-04-01 0 days 1,940 sqft
2020-05-01 0 days 1,950 sqft
2020-06-01 0 days 1,999 sqft
2020-07-01 0 days 1,937 sqft
2020-08-01 0 days 1,919 sqft
2020-09-01 0 days 1,948 sqft
2020-10-01 0 days 1,955 sqft
2020-11-01 0 days 1,908 sqft
2020-12-01 0 days 1,835 sqft
2021-01-01 0 days 1,815 sqft
2021-02-01 0 days 1,873 sqft
2021-03-01 0 days 1,902 sqft
2021-04-01 0 days 1,892 sqft
2021-05-01 0 days 1,917 sqft
2021-06-01 0 days 1,915 sqft
2021-07-01 0 days 1,900 sqft
2021-08-01 0 days 1,885 sqft
2021-09-01 0 days 1,847 sqft
2021-10-01 0 days 1,886 sqft
2021-11-01 0 days 1,925 sqft
2021-12-01 0 days 1,980 sqft
2022-01-01 0 days 1,936 sqft
2022-02-01 0 days 1,922 sqft
2022-03-01 0 days 1,927 sqft
2022-04-01 0 days 1,877 sqft
2022-05-01 0 days 1,956 sqft
2022-06-01 0 days 1,955 sqft
2022-07-01 0 days 1,975 sqft
2022-08-01 0 days 1,937 sqft
2022-09-01 0 days 1,986 sqft
2022-10-01 0 days 1,968 sqft
2022-11-01 0 days 1,944 sqft
2022-12-01 0 days 1,936 sqft
2023-01-01 0 days 1,904 sqft
2023-02-01 0 days 1,917 sqft
2023-03-01 0 days 1,933 sqft
2023-04-01 0 days 1,978 sqft
2023-05-01 0 days 1,972 sqft
2023-06-01 0 days 2,006 sqft
2023-07-01 0 days 1,987 sqft
2023-08-01 0 days 1,972 sqft
2023-09-01 0 days 2,000 sqft
2023-10-01 0 days 1,984 sqft
2023-11-01 0 days 1,982 sqft
2023-12-01 0 days 1,927 sqft
NEW BERN's median listing age (time on market) for 2023-12-01 was 0 days.

NEW BERN's median square footage for active listings during the 2023-12-01 period was 1,927 sqft. One year prior, the average listing was 1,936 sqft.

NEW BERN, NC Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,455 $617,625,000 $251,578
Cash Out Refi 586 $120,720,000 $206,007
Refi 491 $85,945,000 $175,041
Other 291 $28,405,000 $97,612
Home Improvement 236 $51,890,000 $219,873

New Bern's most frequently cited loan purpose was Home Purchase, with 2,455 originations. The 2nd most popular reason was Cash Out Refi, with 586 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,128 $243,410,000 $215,789
4-5% 936 $220,180,000 $235,235
5-6% 879 $194,035,000 $220,745
6-7% 388 $120,630,000 $310,902
2.5-3% 377 $72,475,000 $192,241
7-8% 118 $20,200,000 $171,186
<2.5% 111 $17,925,000 $161,486
Over 8% 75 $6,655,000 $88,733

During 2022, New Bern's most frequently originated rate bucket was 3-4%, with 1,128 originations.

Loan Sizing (NEW BERN, NC MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,690 $460,110,000 $272,254
$100k-200k 1,399 $208,685,000 $149,167
$100,000 or less 695 $40,875,000 $58,813
$400k-600k 198 $92,370,000 $466,515
$600k-1000k 63 $44,975,000 $713,889
$Over $1MM 14 $57,570,000 $4,112,143

NEW BERN's loan sizing saw the bucket of loans from $200k-400k with 1,690 originations, totaling $460,110,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,857 $462,495,000 $249,055
60-80% 932 $221,570,000 $237,736
40-60% 359 $95,945,000 $267,256
20-40% 338 $35,060,000 $103,728
Under 20% 295 $14,005,000 $47,475
Over 100% 208 $62,130,000 $298,702

NEW BERN's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,857 originations, totaling $462,495,000 in origination value.