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 2023-05-25, compared to the national average of
6.57% for the same period.
The average rate for the prior week (2023-05-18) was
6.03% and
one month ago for the week of 2023-04-20, the
average rate was 6.03%.
New Bern's average rate one year ago was 4.99%.
For refis of the same type during the week of 2023-05-25, the average rate
was 5.44%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-05-25 | 6.57% |
| New Bern 30 Year Fixed Rate | 2023-05-25 | 6.31% |
| New Bern 30 Year Fixed Rate Refi | 2023-05-25 | 5.44% |
| New Bern 15 Year Fixed Rate | 2023-05-25 | 5.71% |
| New Bern 15 Year Fixed Rate Refi | 2023-05-25 | 5.03% |
| New Bern 30 Year FHA | 2023-05-25 | 5.95% |
| New Bern 30 Year FHA Refi | 2023-05-25 | 6.51% |
| New Bern 30 Year USDA | 2023-05-25 | 6.63% |
| New Bern 30 Year USDA Refi | 2023-05-25 | 6.53% |
| New Bern 30 Year VA | 2023-05-25 | 5.86% |
| New Bern 30 Year VA Refi | 2023-05-25 | 6.21% |
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.).
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 | $194,975 (6.1%) | $248,368 (3.9%) | 0.00 | 759 |
| 2018-02-01 | $193,425 (-2.2%) | $244,796 (-1.8%) | 0.00 | 750 |
| 2018-03-01 | $195,950 (-5.3%) | $252,132 (-0.8%) | 0.00 | 752 |
| 2018-04-01 | $198,825 (-4.0%) | $257,152 (0.1%) | 0.00 | 793 |
| 2018-05-01 | $198,675 (-4.4%) | $254,617 (-3.0%) | 0.00 | 833 |
| 2018-06-01 | $200,000 (-4.1%) | $258,104 (-2.1%) | 0.00 | 839 |
| 2018-07-01 | $209,550 (2.7%) | $256,403 (-2.5%) | 0.00 | 821 |
| 2018-08-01 | $209,950 (2.5%) | $258,322 (-2.7%) | 0.00 | 812 |
| 2018-09-01 | $209,700 (4.9%) | $258,870 (-2.1%) | 0.00 | 751 |
| 2018-10-01 | $210,000 (4.0%) | $263,084 (-2.7%) | 0.00 | 584 |
| 2018-11-01 | $214,605 (7.8%) | $264,341 (3.2%) | 0.00 | 537 |
| 2018-12-01 | $218,750 (12.2%) | $265,953 (6.9%) | 0.00 | 500 |
| 2019-01-01 | $223,785 (14.8%) | $265,695 (7.0%) | 0.00 | 455 |
| 2019-02-01 | $229,156 (18.5%) | $275,803 (12.7%) | 0.00 | 457 |
| 2019-03-01 | $225,000 (14.8%) | $269,972 (7.1%) | 0.00 | 519 |
| 2019-04-01 | $236,908 (19.2%) | $286,539 (11.4%) | 0.00 | 567 |
| 2019-05-01 | $242,705 (22.2%) | $294,889 (15.8%) | 0.00 | 598 |
| 2019-06-01 | $242,610 (21.3%) | $293,590 (13.8%) | 0.00 | 670 |
| 2019-07-01 | $239,950 (14.5%) | $292,142 (13.9%) | 0.00 | 718 |
| 2019-08-01 | $239,000 (13.8%) | $289,262 (12.0%) | 0.00 | 742 |
| 2019-09-01 | $236,900 (13.0%) | $289,820 (12.0%) | 0.00 | 722 |
| 2019-10-01 | $229,970 (9.5%) | $284,030 (8.0%) | 0.00 | 734 |
| 2019-11-01 | $229,900 (7.1%) | $284,877 (7.8%) | 0.00 | 740 |
| 2019-12-01 | $225,000 (2.9%) | $284,987 (7.2%) | 0.00 | 716 |
| 2020-01-01 | $225,000 (0.5%) | $284,579 (7.1%) | 0.00 | 688 |
| 2020-02-01 | $229,000 (-0.1%) | $288,945 (4.8%) | 0.00 | 680 |
| 2020-03-01 | $233,700 (3.9%) | $296,589 (9.9%) | 0.00 | 663 |
| 2020-04-01 | $234,875 (-0.9%) | $293,965 (2.6%) | 0.00 | 680 |
| 2020-05-01 | $240,000 (-1.1%) | $305,267 (3.5%) | 0.00 | 632 |
| 2020-06-01 | $248,600 (2.5%) | $317,162 (8.0%) | 0.00 | 569 |
| 2020-07-01 | $246,075 (2.6%) | $318,989 (9.2%) | 0.00 | 532 |
| 2020-08-01 | $248,850 (4.1%) | $320,473 (10.8%) | 0.00 | 461 |
| 2020-09-01 | $249,000 (5.1%) | $329,249 (13.6%) | 0.00 | 405 |
| 2020-10-01 | $245,000 (6.5%) | $331,698 (16.8%) | 0.00 | 398 |
| 2020-11-01 | $247,000 (7.4%) | $335,375 (17.7%) | 0.00 | 390 |
| 2020-12-01 | $239,000 (6.2%) | $327,299 (14.9%) | 0.00 | 360 |
| 2021-01-01 | $242,250 (7.7%) | $329,458 (15.8%) | 0.00 | 313 |
| 2021-02-01 | $257,800 (12.6%) | $347,156 (20.2%) | 0.00 | 292 |
| 2021-03-01 | $257,700 (10.3%) | $334,287 (12.7%) | 0.00 | 278 |
| 2021-04-01 | $264,760 (12.7%) | $332,957 (13.3%) | 0.00 | 268 |
| 2021-05-01 | $281,900 (17.5%) | $352,758 (15.6%) | 0.00 | 259 |
| 2021-06-01 | $280,400 (12.8%) | $346,973 (9.4%) | 0.00 | 253 |
| 2021-07-01 | $274,900 (11.7%) | $342,139 (7.3%) | 0.00 | 271 |
| 2021-08-01 | $275,450 (10.7%) | $343,858 (7.3%) | 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 | $309,075 (29.3%) | $398,072 (21.6%) | 0.00 | 219 |
| 2022-01-01 | $307,500 (26.9%) | $409,097 (24.2%) | 0.00 | 192 |
| 2022-02-01 | $314,233 (21.9%) | $406,517 (17.1%) | 0.00 | 158 |
| 2022-03-01 | $317,500 (23.2%) | $420,890 (25.9%) | 0.00 | 140 |
| 2022-04-01 | $310,000 (17.1%) | $421,018 (26.5%) | 0.00 | 145 |
| 2022-05-01 | $324,000 (14.9%) | $419,999 (19.1%) | 0.00 | 170 |
| 2022-06-01 | $325,450 (16.1%) | $423,202 (22.0%) | 0.00 | 199 |
| 2022-07-01 | $329,900 (20.0%) | $423,394 (23.8%) | 0.00 | 254 |
| 2022-08-01 | $334,025 (21.3%) | $405,819 (18.0%) | 0.00 | 249 |
| 2022-09-01 | $335,500 (22.7%) | $411,148 (17.4%) | 0.00 | 245 |
| 2022-10-01 | $331,495 (14.3%) | $407,104 (9.9%) | 0.00 | 257 |
| 2022-11-01 | $329,100 (10.0%) | $417,968 (7.3%) | 0.00 | 260 |
| 2022-12-01 | $324,990 (5.2%) | $406,299 (2.1%) | 0.00 | 248 |
| 2023-01-01 | $325,635 (5.9%) | $404,751 (-1.1%) | 0.00 | 242 |
| 2023-02-01 | $338,500 (7.7%) | $413,078 (1.6%) | 0.00 | 227 |
| 2023-03-01 | $347,060 (9.3%) | $410,914 (-2.4%) | 0.00 | 209 |
| 2023-04-01 | $359,750 (16.1%) | $430,049 (2.2%) | 0.00 | 223 |
NEW BERN's median listing price for 2023-04-01 was $359,750, a difference of
$49,750
(16.1%) versus the prior year and
$12,690 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 2023-04-01 was $430,049, a difference of $9,031 (2.2%) versus the prior year and $19,135 versus the prior month.
For the 2023-04-01 period, NEW BERN had 223 MLS listings, a difference of 14 listings (7%) versus the prior month and 78 listings (54%) versus the prior year.
NEW BERN's median listing price comes in at 0% of the national average.
NEW BERN's average listing price for 2023-04-01 was $430,049, a difference of $9,031 (2.2%) versus the prior year and $19,135 versus the prior month.
For the 2023-04-01 period, NEW BERN had 223 MLS listings, a difference of 14 listings (7%) versus the prior month and 78 listings (54%) 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 | 1,940 sqft |
| 2019-04-01 | 0 days | 1,940 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 | 1,937 sqft |
| 2019-09-01 | 0 days | 1,980 sqft |
| 2019-10-01 | 0 days | 1,957 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 | 1,922 sqft |
| 2020-03-01 | 0 days | 1,935 sqft |
| 2020-04-01 | 0 days | 1,930 sqft |
| 2020-05-01 | 0 days | 1,949 sqft |
| 2020-06-01 | 0 days | 1,997 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 | 1,913 sqft |
| 2020-12-01 | 0 days | 1,837 sqft |
| 2021-01-01 | 0 days | 1,817 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 | 1,916 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 | 1,923 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 | 1,926 sqft |
| 2022-04-01 | 0 days | 1,877 sqft |
| 2022-05-01 | 0 days | 1,946 sqft |
| 2022-06-01 | 0 days | 1,955 sqft |
| 2022-07-01 | 0 days | 1,972 sqft |
| 2022-08-01 | 0 days | 1,937 sqft |
| 2022-09-01 | 0 days | 1,990 sqft |
| 2022-10-01 | 0 days | 1,968 sqft |
| 2022-11-01 | 0 days | 1,940 sqft |
| 2022-12-01 | 0 days | 1,924 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 | 1,968 sqft |
NEW BERN's median listing age (time on market) for 2023-04-01 was 0 days.
NEW BERN's median square footage for active listings during the 2023-04-01 period was 1,968 sqft. One year prior, the average listing was 1,877 sqft.
NEW BERN's median square footage for active listings during the 2023-04-01 period was 1,968 sqft. One year prior, the average listing was 1,877 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.