Pinehurst - Southern Pines Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Pinehurst - Southern Pines averaged 6.55% for the week of 2024-06-06, compared to the national average of 6.99% for the same period.

The average rate for the prior week (2024-05-30) was 6.79% and one month ago for the week of 2024-05-02, the average rate was 6.88%.

Pinehurst - Southern Pines's average rate one year ago was 6.75%.

For refis of the same type during the week of 2024-06-06, the average rate was 7.59%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-06-06 6.99%
Pinehurst - Southern Pines 30 Year Fixed Rate 2024-06-06 6.55%
Pinehurst - Southern Pines 30 Year Fixed Rate Refi 2024-06-06 7.59%
Pinehurst - Southern Pines 15 Year Fixed Rate 2024-06-06 6.29%
Pinehurst - Southern Pines 15 Year Fixed Rate Refi 2024-06-06 6.89%
Pinehurst - Southern Pines 30 Year FHA 2024-06-06 6.46%
Pinehurst - Southern Pines 30 Year FHA Refi 2024-06-06 6.79%
Pinehurst - Southern Pines 30 Year USDA 2024-06-06 6.7%
Pinehurst - Southern Pines 30 Year USDA Refi 2024-06-06 6.8%
Pinehurst - Southern Pines 30 Year VA 2024-06-06 6.2%
Pinehurst - Southern Pines 30 Year VA Refi 2024-06-06 6.49%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Pinehurst-Southern Pines, NC.

Pinehurst - Southern Pines 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 Pinehurst-Southern Pines, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
STATE EMPLOYEES' 61 5.94% $4,154
QUICKEN LOANS, LLC 59 6.73% $7,418
MOVEMENT MORTGAGE, LLC 50 6.80% $6,537
NFM, INC. 50 6.89% $5,410
First-Citizens Bank & Trust Company 46 6.25% $5,422
UNITED WHOLESALE MORTGAGE, LLC 38 6.77% $8,170
Prosperity Home Mortgage, LLC 34 6.86% $6,802
DHI MORTGAGE COMPANY, LTD. 26 5.35% $2,600
GoPrime Mortgage, Inc. 26 6.83% $4,824
First Bank 25 4.66% $2,986
Truist 23 6.48% $4,733
Alcova Mortgage LLC 21 7.17% $4,522
The Fidelity Bank 17 6.22% $6,427
UNION HOME MORTGAGE CORP. 16 6.63% $7,718
INTERCOASTAL MORTGAGE COMPANY 14 6.96% $5,705
NAVY FEDERAL CREDIT UNION 14 5.97% $4,199
CROSSCOUNTRY MORTGAGE, LLC 13 7.57% $8,682
ACADEMY MORTGAGE CORPORATION 12 6.69% $6,918
PENNYMAC LOAN SERVICES, LLC 11 6.48% $6,960
Mr. Cooper ( Nationstar Mortgage ) 10 6.78% $7,617
JPMorgan Chase Bank 9 6.33% $3,772
Wells Fargo Bank 9 6.61% $4,932
COASTAL Federal Credit Union 9 6.72% $3,934
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 8 6.90% $5,989
LOCAL GOVERNMENT FEDERAL CREDIT UNION 8 6.26% $4,251
JET HOMELOANS, LLC 7 6.94% $6,592
First National Bank of Pennsylvania 7 6.36% $4,643
CMG MORTGAGE, INC. 6 6.83% $6,368
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 6 7.25% $5,740
PNC Bank 6 6.54% $5,418
Morgan Stanley Private Bank 5 5.81% $3,494
Stifel Bank and Trust 5 6.00% $3,148
TD Bank 5 6.48% $5,970
Bank of America 5 7.20% $3,803
MUTUAL OF OMAHA MORTGAGE, INC. 4 6.94% $7,434
USAA Federal Savings Bank 4 6.53% $4,057
Fifth Third Bank 4 6.84% $6,004
Mortgage Research Center, LLC 4 6.19% $5,332
AgFirst Farm Credit Bank 4 6.69% $6,873
First Horizon Bank 3 6.42% $4,729
American Security Mortgage Corp. 3 6.83% $3,733
Raymond James Bank 3 5.88% $3,702
Regions Bank 3 5.88% $4,542
BROKER SOLUTIONS, INC. 3 7.46% $8,445
Atlantic Coast Mortgage, LLC 3 7.00% $7,546
CARDINAL FINANCIAL 3 8.04% $12,113
NEWREZ LLC 3 6.58% $7,378
GUARANTEED RATE, INC. 3 7.25% $5,074
Flagstar Bank, FSB 3 7.03% $5,494
LOANDEPOT.COM, LLC 3 7.21% $7,476
CALIBER HOME LOANS, INC. 2 7.00% $7,701
LATINO COMMUNITY CREDIT UNION 2 6.38% $5,519
Wolfe Financial, Inc 2 6.94% $5,149
EMM LOANS LLC 2 5.88% $20,505
CHURCHILL MORTGAGE CORPORATION 2 7.19% $9,111
Citibank 2 5.94% $5,133
FIRST HOME MORTGAGE CORPORATION 2 6.93% $5,685
Gulf Coast Bank and Trust Company 2 7.50% $4,973
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 6.69% $5,223
SOUTHERN TRUST MORTGAGE, LLC 2 7.44% $6,260
PLAZA HOME MORTGAGE, INC. 2 6.13% $5,726
Strong Home Mortgage, LLC 2 7.06% $2,290
The Central Trust Bank 2 6.50% $5,055
HomeTrust Bank 2 6.06% $2,503
Charles Schwab Bank, SSB 2 5.89% $4,492
Corporate Investors Mortgage Group, Inc. 2 7.31% $7,103
Pinnacle Bank 2 6.44% $5,640
Towne Bank 2 7.31% $10,957
PENTAGON FEDERAL CREDIT UNION 2 7.25% $5,406
UBS Bank USA 2 6.06% $3,819
EVERETT FINANCIAL, INC. 2 7.63% $7,065
NBKC BANK 2 6.44% $4,637
VANDERBILT MORTGAGE AND FINANCE, INC. 2 8.12% $7,115
Waterstone Mortgage Corporation 1 7.50% $8,190
WINGS FINANCIAL 1 5.25% $2,621
21ST MORTGAGE CORPORATION 1 8.15% $5,262
Wyndham Capital Mortgage, Inc. 1 6.13% $4,560
AgSouth Farm Credit, ACA 1 8.30% $6,844
Ally Bank 1 6.38% $2,058
AMERICAN FEDERAL MORTGAGE CORPORATION 1 6.75% $3,521
AMERICAN FINANCING CORPORATION 1 6.99% $15,265
AMERICAN INTERNET MORTGAGE, INC. 1 6.00% $3,153
AmeriHome Mortgage Company, LLC 1 7.25% $5,197
Ameris Bank 1 5.38% $11,128
Barrington Bank & Trust Company, N.A. 1 6.88% $4,008
BETTER MORTGAGE CORPORATION 1 5.13% $18,318
CANOPY MORTGAGE, LLC 1 5.99% $4,909
CAPITAL CENTER, L.L.C. 1 6.38% $5,651
Capital City Home Loans, LLC 1 5.50% $6,467
CHARLOTTE METRO FEDERAL CREDIT UNION 1 5.25% $6,438
COMPASS MORTGAGE, INC. 1 7.99% $4,231
Cornerstone First Mortgage, Inc 1 6.75% $4,930
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 6.00% $4,173
DELMAR FINANCIAL COMPANY 1 8.13% $7,029
Discover Bank 1 6.74% $0
Dollar Bank, Federal Savings Bank 1 6.88% $14,870
Encompass Lending Group, LP 1 6.75% $7,112
EQUITY RESOURCES, INC. 1 5.88% $8,184
FBC MORTGAGE, LLC 1 7.25% $4,721
FIDELITY DIRECT MORTGAGE, LLC 1 7.63% $11,027
First Heritage Mortgage, LLC 1 7.00% $4,002
First Merchants Bank 1 6.00% $4,073
FOUNDERS FEDERAL CREDIT UNION 1 8.38% $2,577
FREEDOM MORTGAGE CORPORATION 1 6.25% $3,278
FUNDLOANS CAPITAL 1 8.99% $11,522
GMFS LLC 1 6.88% $2,952
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.75% $5,141
HOWARD HANNA FINANCIAL SERVICES, INC. 1 7.63% $9,015
HSBC BANK USA, NATIONAL ASSOCIATION 1 5.94% $4,163
INSPIRE HOME LOANS INC. 1 8.13% $8,891
Integrity Home Mortgage Corp 1 6.50% $3,476
JAMS-01, INC. 1 5.88% $4,507
KeyBank 1 6.13% $4,918
Mid Penn Bank 1 7.25% $10,913
MILEND, INC. 1 7.63% $18,018
NATIONS RELIABLE LENDING, LLC 1 6.99% $7,599
Northpointe Bank 1 7.38% $8,899
North State Bank 1 7.00% $3,411
ON Q FINANCIAL, INC. 1 5.63% $8,321
Paramount Residential Mortgage Group, Inc. 1 7.63% $7,036
Plains Commerce Bank 1 8.50% $4,590
PREMIA MORTGAGE, LLC 1 6.63% $0
Presidential Bank, FSB 1 7.38% $6,767
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.99% $10,556
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.38% $6,981
PROVIDENT FUNDING ASSOCIATES, L.P. 1 7.50% $3,803
RAPID MORTGAGE COMPANY 1 6.99% $16,396
RBC Bank, (Georgia) 1 5.63% $1,561
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 1 7.50% $8,190
Renasant Bank 1 7.25% $4,854
RESIDENTIAL BANCORP 1 7.99% $4,598
ROYAL UNITED MORTGAGE LLC 1 7.00% $8,046
Sandy Spring Bank 1 7.50% $4,872
SECURITYNATIONAL MORTGAGE COMPANY 1 5.99% $5,759
ServisFirst Bank 1 6.99% $4,179
Sierra Pacific Mortgage Company, Inc. 1 7.50% $6,727
SIRVA MORTGAGE, INC. 1 6.00% $0
SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 6.88% $7,737
South State Bank 1 5.99% $6,695
The Federal Savings Bank 1 7.63% $2,107
The Huntington National Bank 1 6.75% $6,316
Third Federal Savings and Loan Association of Cleveland 1 5.89% $295
THRIVE MORTGAGE, LLC 1 6.25% $4,300
TOP FLITE FINANCIAL, INC. 1 6.25% $6,121
Truliant Federal Credit Union 1 7.25% $2,850
Union Savings Bank 1 7.50% $3,626
Uwharrie Bank 1 7.50% $5,028
VAN DYK MORTGAGE CORPORATION 1 8.13% $1,989
Vellum Mortgage, Inc. 1 6.38% $4,288

Pinehurst - Southern Pines Average Closing Costs & Other Stats

Pinehurst-Southern Pines, NC's 149 lenders originated 2,931 loans during 2023. The total origination value was $889,335,000, with an average loan value of $303,424.

Pinehurst - Southern Pines's average closing costs are $5,902.

The top Pinehurst - Southern Pines lender as defined by loan originations is STATE EMPLOYEES', with 61 loans originated. Their average total fees are $4,154, which is $3,265 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Pinehurst - Southern Pines lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($2,600), First Bank ($2,986), STATE EMPLOYEES' ($4,154), NAVY FEDERAL CREDIT UNION ($4,199) and Alcova Mortgage LLC ($4,522).

The lowest rate Pinehurst - Southern Pines lenders (with over 10 loans originated) are First Bank (4.66%), DHI MORTGAGE COMPANY, LTD. (5.35%), STATE EMPLOYEES' (5.94%), NAVY FEDERAL CREDIT UNION (5.97%) and The Fidelity Bank (6.22%).

Pinehurst-Southern Pines, 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
UNITED WHOLESALE MORTGAGE, LLC $53,425,000 $58,255,000 9.0% 6.6%
First-Citizens Bank & Trust Company $65,550,000 $54,900,000 -16.2% 6.2%
NFM, INC. $52,670,000 $50,105,000 -4.9% 5.6%
MOVEMENT MORTGAGE, LLC $52,315,000 $50,065,000 -4.3% 5.6%
First Bank $68,030,000 $49,110,000 -27.8% 5.5%
QUICKEN LOANS, LLC $58,025,000 $35,610,000 -38.6% 4.0%
STATE EMPLOYEES' $39,675,000 $34,500,000 -13.0% 3.9%
Prosperity Home Mortgage, LLC $58,030,000 $27,600,000 -52.4% 3.1%
GoPrime Mortgage, Inc. $31,390,000 $25,680,000 -18.2% 2.9%
Mortgage Research Center, LLC $29,165,000 $21,950,000 -24.7% 2.5%
Truist $43,165,000 $21,260,000 -50.7% 2.4%
PENNYMAC LOAN SERVICES, LLC $15,970,000 $19,600,000 22.7% 2.2%
NAVY FEDERAL CREDIT UNION $18,740,000 $19,425,000 3.7% 2.2%
DHI MORTGAGE COMPANY, LTD. $5,575,000 $17,375,000 211.7% 2.0%
JET HOMELOANS, LLC $12,980,000 $16,765,000 29.2% 1.9%
First National Bank of Pennsylvania $22,555,000 $16,035,000 -28.9% 1.8%
UNION HOME MORTGAGE CORP. $10,560,000 $15,615,000 47.9% 1.8%
The Fidelity Bank $19,915,000 $14,190,000 -28.7% 1.6%
Alcova Mortgage LLC $22,805,000 $13,715,000 -39.9% 1.5%
INTERCOASTAL MORTGAGE COMPANY $10,845,000 $13,010,000 20.0% 1.5%
ACADEMY MORTGAGE CORPORATION $1,515,000 $11,375,000 650.8% 1.3%
CROSSCOUNTRY MORTGAGE, LLC $15,575,000 $11,175,000 -28.3% 1.3%
USAA Federal Savings Bank $15,410,000 $9,065,000 -41.2% 1.0%
COASTAL Federal Credit Union $1,915,000 $8,990,000 369.5% 1.0%
MUTUAL OF OMAHA MORTGAGE, INC. $3,065,000 $8,115,000 164.8% 0.9%
American Security Mortgage Corp. $6,825,000 $6,860,000 0.5% 0.8%
BROKER SOLUTIONS, INC. $6,310,000 $6,760,000 7.1% 0.8%
Wells Fargo Bank $20,225,000 $6,585,000 -67.4% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $6,830,000 $6,485,000 -5.1% 0.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $7,130,000 $6,265,000 -12.1% 0.7%
PNC Bank $14,865,000 $6,065,000 -59.2% 0.7%
CMG MORTGAGE, INC. $10,475,000 $5,555,000 -47.0% 0.6%
GUARANTEED RATE, INC. $10,310,000 $5,335,000 -48.3% 0.6%
CARDINAL FINANCIAL $3,340,000 $5,105,000 52.8% 0.6%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $2,825,000 $4,855,000 71.9% 0.5%
Bank of America $11,005,000 $4,765,000 -56.7% 0.5%
LOANDEPOT.COM, LLC $14,375,000 $4,685,000 -67.4% 0.5%
LOCAL GOVERNMENT FEDERAL CREDIT UNION $6,795,000 $4,355,000 -35.9% 0.5%
JPMorgan Chase Bank $4,245,000 $4,175,000 -1.6% 0.5%
FREEDOM MORTGAGE CORPORATION $15,495,000 $4,065,000 -73.8% 0.5%
AgFirst Farm Credit Bank $2,090,000 $3,965,000 89.7% 0.4%
PENTAGON FEDERAL CREDIT UNION $7,455,000 $3,610,000 -51.6% 0.4%
NEWREZ LLC $2,275,000 $3,605,000 58.5% 0.4%
SOUTHERN TRUST MORTGAGE, LLC $2,500,000 $3,445,000 37.8% 0.4%
HOMEBRIDGE FINANCIAL SERVICES, INC. $9,260,000 $3,315,000 -64.2% 0.4%
First Horizon Bank $6,375,000 $3,310,000 -48.1% 0.4%
EMM LOANS LLC $3,140,000 n/a 0.4%
TD Bank $9,295,000 $2,935,000 -68.4% 0.3%
PLAZA HOME MORTGAGE, INC. $745,000 $2,845,000 281.9% 0.3%
HOMESIDE FINANCIAL, LLC $6,620,000 $2,810,000 -57.6% 0.3%
The Federal Savings Bank $7,255,000 $2,695,000 -62.9% 0.3%
Plains Commerce Bank $2,660,000 n/a 0.3%
CORNERSTONE HOME LENDING, INC. $10,165,000 $2,605,000 -74.4% 0.3%
Flagstar Bank, FSB $4,365,000 $2,465,000 -43.5% 0.3%
NEW DAY FINANCIAL, LLC $4,835,000 $2,430,000 -49.7% 0.3%
Morgan Stanley Private Bank $4,850,000 $2,345,000 -51.6% 0.3%
LENDINGHOME FUNDING CORPORATION $1,380,000 $2,295,000 66.3% 0.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $5,370,000 $2,295,000 -57.3% 0.3%
Stifel Bank and Trust $860,000 $2,265,000 163.4% 0.3%
United Community Bank $1,375,000 $2,005,000 45.8% 0.2%
Fifth Third Bank $1,160,000 $1,945,000 67.7% 0.2%
Armed Forces Bank $1,780,000 $1,915,000 7.6% 0.2%
Pinnacle Bank $1,235,000 $1,870,000 51.4% 0.2%
The Central Trust Bank $1,275,000 $1,830,000 43.5% 0.2%
Regions Bank $1,210,000 $1,775,000 46.7% 0.2%
Citizens Bank $2,890,000 $1,725,000 -40.3% 0.2%
NBKC BANK $1,065,000 $1,485,000 39.4% 0.2%
Discover Bank $355,000 $1,465,000 312.7% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $4,065,000 $1,360,000 -66.5% 0.2%
Paramount Residential Mortgage Group, Inc. $1,780,000 $1,340,000 -24.7% 0.2%
Blue Ridge Bank $6,825,000 $1,305,000 -80.9% 0.1%
Century Mortgage Company DBA Century Lending Company $315,000 $1,305,000 314.3% 0.1%
BNC National Bank $1,255,000 $1,285,000 2.4% 0.1%
Charles Schwab Bank, SSB $1,675,000 $1,280,000 -23.6% 0.1%
Third Federal Savings and Loan Association of Cleveland $1,390,000 $1,270,000 -8.6% 0.1%
1ST SIGNATURE LENDING, LLC $1,875,000 $1,265,000 -32.5% 0.1%
UBS Bank USA $1,385,000 $1,260,000 -9.0% 0.1%
Citibank $3,640,000 $1,230,000 -66.2% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $955,000 $1,215,000 27.2% 0.1%
Atlantic Coast Mortgage, LLC $805,000 $1,175,000 46.0% 0.1%
Raymond James Bank $1,110,000 $1,145,000 3.2% 0.1%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $1,145,000 n/a 0.1%
Waterstone Mortgage Corporation $1,145,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $1,410,000 $1,130,000 -19.9% 0.1%
Towne Bank $2,780,000 $1,130,000 -59.4% 0.1%
TIDEWATER MORTGAGE SERVICES, INC. $435,000 $1,115,000 156.3% 0.1%
Carrington Mortgage Services, LLC $1,315,000 $1,080,000 -17.9% 0.1%
21ST MORTGAGE CORPORATION $560,000 $1,060,000 89.3% 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $1,395,000 $1,060,000 -24.0% 0.1%
FIRST HOME MORTGAGE CORPORATION $385,000 $1,030,000 167.5% 0.1%
HomeTrust Bank $1,000,000 n/a 0.1%
Truliant Federal Credit Union $1,170,000 $970,000 -17.1% 0.1%
AMERISAVE MORTGAGE CORPORATION $5,245,000 $960,000 -81.7% 0.1%
LOANPAL, LLC $935,000 n/a 0.1%
North American Savings Bank, F.S.B. $3,630,000 $920,000 -74.7% 0.1%
ZILLOW HOME LOANS, LLC $235,000 $900,000 283.0% 0.1%
FINANCE OF AMERICA REVERSE LLC $380,000 $895,000 135.5% 0.1%
First Merchants Bank $895,000 n/a 0.1%
JAMS-01, INC. $890,000 n/a 0.1%
Ameris Bank $1,105,000 $865,000 -21.7% 0.1%
Strong Home Mortgage, LLC $815,000 $860,000 5.5% 0.1%
DELMAR FINANCIAL COMPANY $855,000 n/a 0.1%
TOP FLITE FINANCIAL, INC. $1,210,000 $850,000 -29.8% 0.1%
BETTER MORTGAGE CORPORATION $2,515,000 $845,000 -66.4% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $830,000 n/a 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $1,565,000 $820,000 -47.6% 0.1%
Sierra Pacific Mortgage Company, Inc. $1,270,000 $815,000 -35.8% 0.1%
Southern Bank and Trust Company $1,440,000 $805,000 -44.1% 0.1%
Sunflower Bank $940,000 $805,000 -14.4% 0.1%
Wolfe Financial, Inc $800,000 n/a 0.1%
COMPASS MORTGAGE, INC. $235,000 $790,000 236.2% 0.1%
FBC MORTGAGE, LLC $765,000 n/a 0.1%
HSBC BANK USA, NATIONAL ASSOCIATION $565,000 $765,000 35.4% 0.1%
LATINO COMMUNITY CREDIT UNION $745,000 n/a 0.1%
RBC Bank, (Georgia) $305,000 $740,000 142.6% 0.1%
Clearview Federal Credit Union $730,000 n/a 0.1%
HOMESPIRE MORTGAGE CORPORATION $680,000 $730,000 7.4% 0.1%
AgSouth Farm Credit, ACA $725,000 n/a 0.1%
Uwharrie Bank $500,000 $725,000 45.0% 0.1%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $720,000 n/a 0.1%
American National Bank and Trust Company $705,000 n/a 0.1%
Renasant Bank $1,050,000 $705,000 -32.9% 0.1%
Gateway First Bank $700,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $1,785,000 $690,000 -61.3% 0.1%
MICHIGAN MUTUAL, INC. $690,000 n/a 0.1%
SUN WEST MORTGAGE COMPANY, INC. $390,000 $690,000 76.9% 0.1%
Dollar Bank, Federal Savings Bank $675,000 n/a 0.1%
CAPITAL CENTER, L.L.C. $175,000 $660,000 277.1% 0.1%
CALIBER HOME LOANS, INC. $11,880,000 $650,000 -94.5% 0.1%
INSPIRE HOME LOANS INC. $645,000 n/a 0.1%
Union Savings Bank $255,000 $620,000 143.1% 0.1%
Figure Lending LLC $1,320,000 $610,000 -53.8% 0.1%
Integrity Home Mortgage Corp $610,000 n/a 0.1%
Mid Penn Bank $605,000 n/a 0.1%
Corporate Investors Mortgage Group, Inc. $485,000 $600,000 23.7% 0.1%
Mid-Continent Funding, Inc. $1,410,000 $600,000 -57.4% 0.1%
VERITAS FUNDING, LLC $600,000 n/a 0.1%
Gulf Coast Bank and Trust Company $590,000 n/a 0.1%
Watermark Capital, Inc. $565,000 n/a 0.1%
LONGBRIDGE FINANCIAL, LLC $875,000 $555,000 -36.6% 0.1%
Sandy Spring Bank $550,000 n/a 0.1%
Capital City Home Loans, LLC $540,000 n/a 0.1%
EVERETT FINANCIAL, INC. $845,000 $540,000 -36.1% 0.1%
RELIANCE FIRST CAPITAL, LLC $810,000 $530,000 -34.6% 0.1%
First National Bank of Omaha $525,000 n/a 0.1%
NEW FED MORTGAGE, CORP. $515,000 n/a 0.1%
M&T Bank $575,000 $510,000 -11.3% 0.1%
ServisFirst Bank $485,000 n/a 0.1%
VILLAGE CAPITAL MORTGAGE $1,280,000 $485,000 -62.1% 0.1%
The Huntington National Bank $1,350,000 $480,000 -64.4% 0.1%
RAPID MORTGAGE COMPANY $475,000 n/a 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $1,125,000 $470,000 -58.2% 0.1%
South State Bank $1,645,000 $470,000 -71.4% 0.1%
ALLEGACY FEDERAL CREDIT UNION $845,000 $465,000 -45.0% 0.1%
First Western Trust Bank $645,000 $465,000 -27.9% 0.1%
Ally Bank $730,000 $460,000 -37.0% 0.1%
Northpointe Bank $3,055,000 $455,000 -85.1% 0.1%
Vellum Mortgage, Inc. $455,000 n/a 0.1%
COUNTRYPLACE MORTGAGE, LTD. $290,000 $450,000 55.2% 0.1%
Keystone Funding, Inc. $445,000 n/a 0.1%
MILEND, INC. $275,000 $445,000 61.8% 0.1%
PREMIA MORTGAGE, LLC $445,000 n/a 0.1%
AMERICAN FEDERAL MORTGAGE CORPORATION $195,000 $440,000 125.6% 0.0%
Farmers Bank & Trust $435,000 n/a 0.0%
Towne Mortgage of the Carolinas, LLC $215,000 $435,000 102.3% 0.0%
U.S. Bank $8,990,000 $430,000 -95.2% 0.0%
CALCON MUTUAL MORTGAGE LLC $395,000 $425,000 7.6% 0.0%
Cornerstone First Mortgage, Inc $425,000 n/a 0.0%
Magnolia Bank $1,195,000 $425,000 -64.4% 0.0%
VAN DYK MORTGAGE CORPORATION $425,000 n/a 0.0%
SIRVA MORTGAGE, INC. $1,205,000 $415,000 -65.6% 0.0%
RF Renovo Management Company, LLC $410,000 n/a 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $3,320,000 $405,000 -87.8% 0.0%
GMFS LLC $395,000 n/a 0.0%
FOUNDERS FEDERAL CREDIT UNION $255,000 $390,000 52.9% 0.0%
AMERICAN FINANCIAL NETWORK, INC. $385,000 n/a 0.0%
EQUITY RESOURCES, INC. $3,650,000 $385,000 -89.5% 0.0%
First National Bank Texas $385,000 n/a 0.0%
TOWNE MORTGAGE COMPANY $465,000 $385,000 -17.2% 0.0%
Lakeview Community Capital, LLC $665,000 $375,000 -43.6% 0.0%
LENDINGONE, LLC $330,000 $370,000 12.1% 0.0%
ACOPIA, LLC $920,000 $365,000 -60.3% 0.0%
Barrington Bank & Trust Company, N.A. $365,000 n/a 0.0%
SeaTrust Mortgage Company $365,000 n/a 0.0%
CONTOUR MORTGAGE CORPORATION $915,000 $355,000 -61.2% 0.0%
HOWARD HANNA FINANCIAL SERVICES, INC. $355,000 n/a 0.0%
Southern First Bank $10,310,000 $355,000 -96.6% 0.0%
ROYAL UNITED MORTGAGE LLC $640,000 $350,000 -45.3% 0.0%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $345,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $195,000 $340,000 74.4% 0.0%
FIDELITY DIRECT MORTGAGE, LLC $335,000 n/a 0.0%
ON Q FINANCIAL, INC. $335,000 n/a 0.0%
First Heritage Mortgage, LLC $265,000 $325,000 22.6% 0.0%
Securityplus FCU $325,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $315,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $335,000 $315,000 -6.0% 0.0%
FUNDLOANS CAPITAL $305,000 n/a 0.0%
WINGS FINANCIAL $305,000 n/a 0.0%
NATIONS RELIABLE LENDING, LLC $285,000 n/a 0.0%
WesBanco $995,000 $285,000 -71.4% 0.0%
Wyndham Capital Mortgage, Inc. $2,115,000 $285,000 -86.5% 0.0%
Bank OZK $265,000 n/a 0.0%
CHARLOTTE METRO FEDERAL CREDIT UNION $265,000 n/a 0.0%
CLEARPATH LENDING $930,000 $265,000 -71.5% 0.0%
NEXERA HOLDING LLC $265,000 n/a 0.0%
Presidential Bank, FSB $265,000 n/a 0.0%
Shamrock Home Loans, Inc. $265,000 n/a 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $265,000 n/a 0.0%
CANOPY MORTGAGE, LLC $255,000 n/a 0.0%
Capital Bank $1,050,000 $255,000 -75.7% 0.0%
Encompass Lending Group, LP $305,000 $245,000 -19.7% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $235,000 n/a 0.0%
NORTH COUNTRY $235,000 n/a 0.0%
ITHINK FINANCIAL Credit Union $1,355,000 $215,000 -84.1% 0.0%
Northwest Federal Credit Union $770,000 $210,000 -72.7% 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $1,000,000 $205,000 -79.5% 0.0%
KeyBank $205,000 n/a 0.0%
MDE Home Loans, LLC $205,000 n/a 0.0%
Sound Bank $205,000 n/a 0.0%
T2 FINANCIAL LLC $295,000 $205,000 -30.5% 0.0%
Luxury Mortgage Corp. $195,000 n/a 0.0%
ALLIANT CREDIT UNION $415,000 $155,000 -62.7% 0.0%
DELTA COMMUNITY CREDIT UNION $155,000 n/a 0.0%
JUSTICE Federal Credit Union $135,000 $135,000 0.0% 0.0%
THRIVE MORTGAGE, LLC $480,000 $135,000 -71.9% 0.0%
GUILD MORTGAGE COMPANY $615,000 $125,000 -79.7% 0.0%
North State Bank $505,000 $115,000 -77.2% 0.0%
RESIDENTIAL BANCORP $405,000 $115,000 -71.6% 0.0%
USAlliance Federal Credit Union $115,000 n/a 0.0%
Bethpage Federal Credit Union $160,000 $110,000 -31.3% 0.0%
First American Bank $105,000 n/a 0.0%
Service Federal Credit Union $435,000 $105,000 -75.9% 0.0%
American Mortgage & Equity Consultants, Inc. $75,000 n/a 0.0%
PIEDMONT ADVANTAGE CREDIT UNION $75,000 n/a 0.0%
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION $580,000 $75,000 -87.1% 0.0%
Connexus Credit Union $35,000 n/a 0.0%
Summit Credit Union $35,000 n/a 0.0%
ANDREWS FEDERAL CREDIT UNION $25,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $25,000 $25,000 0.0% 0.0%
LANGLEY $25,000 n/a 0.0%

Pinehurst - Southern Pines's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 6.6% market share. In second place, with 6.2%, is First-Citizens Bank & Trust Company, having originated $54,900,000 in loans. In third place, with 5.6%, is NFM, INC., having originated $50,105,000 in loans. In fourth place, with 5.6%, is MOVEMENT MORTGAGE, LLC, having originated $50,065,000 in loans. In fifth place, with 5.5%, is First Bank, having originated $49,110,000 in loans.


Pinehurst - Southern Pines Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Pinehurst - Southern Pines (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 $299,900 (1.3%) $379,508 (4.2%) 0.00 837
2018-02-01 $301,137 (2.5%) $384,663 (4.8%) 0.00 832
2018-03-01 $309,950 (3.8%) $389,808 (6.1%) 0.00 843
2018-04-01 $308,719 (3.1%) $391,013 (6.4%) 0.00 872
2018-05-01 $300,000 (0.0%) $387,286 (4.9%) 0.00 899
2018-06-01 $300,000 (0.3%) $391,773 (6.8%) 0.00 884
2018-07-01 $307,541 (2.9%) $393,962 (7.6%) 0.00 830
2018-08-01 $305,500 (1.9%) $391,360 (6.2%) 0.00 821
2018-09-01 $306,815 (2.3%) $386,721 (3.8%) 0.00 808
2018-10-01 $309,168 (3.1%) $387,944 (5.0%) 0.00 785
2018-11-01 $306,816 (2.3%) $385,798 (2.4%) 0.00 769
2018-12-01 $304,950 (1.7%) $386,789 (2.3%) 0.00 761
2019-01-01 $307,000 (2.4%) $390,857 (3.0%) 0.00 716
2019-02-01 $312,500 (3.8%) $396,296 (3.0%) 0.00 738
2019-03-01 $318,416 (2.7%) $412,745 (5.9%) 0.00 717
2019-04-01 $323,985 (5.0%) $427,694 (9.4%) 0.00 713
2019-05-01 $336,250 (12.1%) $431,560 (11.4%) 0.00 713
2019-06-01 $333,860 (11.3%) $424,199 (8.3%) 0.00 715
2019-07-01 $334,360 (8.7%) $428,895 (8.9%) 0.00 679
2019-08-01 $332,678 (8.9%) $428,178 (9.4%) 0.00 675
2019-09-01 $331,115 (7.9%) $426,861 (10.4%) 0.00 671
2019-10-01 $329,950 (6.7%) $426,222 (9.9%) 0.00 667
2019-11-01 $329,900 (7.5%) $433,028 (12.2%) 0.00 623
2019-12-01 $331,865 (8.8%) $440,174 (13.8%) 0.00 588
2020-01-01 $333,595 (8.7%) $436,886 (11.8%) 0.00 561
2020-02-01 $339,210 (8.6%) $430,001 (8.5%) 0.00 548
2020-03-01 $339,675 (6.7%) $428,234 (3.8%) 0.00 575
2020-04-01 $337,179 (4.1%) $414,272 (-3.1%) 0.00 589
2020-05-01 $339,450 (1.0%) $417,576 (-3.2%) 0.00 528
2020-06-01 $335,750 (0.6%) $424,898 (0.2%) 0.00 468
2020-07-01 $330,000 (-1.3%) $424,895 (-0.9%) 0.00 414
2020-08-01 $331,237 (-0.4%) $440,858 (3.0%) 0.00 391
2020-09-01 $347,225 (4.9%) $446,312 (4.6%) 0.00 362
2020-10-01 $346,534 (5.0%) $446,540 (4.8%) 0.00 322
2020-11-01 $352,625 (6.9%) $443,957 (2.5%) 0.00 298
2020-12-01 $350,000 (5.5%) $461,338 (4.8%) 0.00 273
2021-01-01 $365,000 (9.4%) $494,942 (13.3%) 0.00 206
2021-02-01 $365,893 (7.9%) $499,326 (16.1%) 0.00 174
2021-03-01 $358,200 (5.5%) $480,815 (12.3%) 0.00 236
2021-04-01 $364,750 (8.2%) $479,781 (15.8%) 0.00 270
2021-05-01 $366,915 (8.1%) $527,880 (26.4%) 0.00 139
2021-06-01 $372,475 (10.9%) $504,552 (18.8%) 0.00 152
2021-07-01 $377,000 (14.2%) $529,372 (24.6%) 0.00 155
2021-08-01 $382,796 (15.6%) $508,731 (15.4%) 0.00 183
2021-09-01 $385,000 (10.9%) $485,188 (8.7%) 0.00 181
2021-10-01 $390,000 (12.5%) $516,229 (15.6%) 0.00 189
2021-11-01 $399,000 (13.2%) $590,779 (33.1%) 0.00 193
2021-12-01 $399,000 (14.0%) $587,025 (27.2%) 0.00 156
2022-01-01 $399,000 (9.3%) $605,545 (22.4%) 0.00 144
2022-02-01 $432,313 (18.2%) $656,980 (31.6%) 0.00 100
2022-03-01 $465,375 (29.9%) $623,057 (29.6%) 0.00 104
2022-04-01 $452,500 (24.1%) $616,449 (28.5%) 0.00 134
2022-05-01 $449,975 (22.6%) $573,836 (8.7%) 0.00 176
2022-06-01 $450,000 (20.8%) $619,007 (22.7%) 0.00 217
2022-07-01 $461,720 (22.5%) $616,908 (16.5%) 0.00 246
2022-08-01 $449,950 (17.5%) $598,264 (17.6%) 0.00 279
2022-09-01 $462,450 (20.1%) $589,998 (21.6%) 0.00 311
2022-10-01 $465,000 (19.2%) $592,861 (14.8%) 0.00 342
2022-11-01 $455,795 (14.2%) $584,403 (-1.1%) 0.00 347
2022-12-01 $459,000 (15.0%) $575,941 (-1.9%) 0.00 333
2023-01-01 $456,285 (14.4%) $564,532 (-6.8%) 0.00 300
2023-02-01 $453,570 (4.9%) $562,503 (-14.4%) 0.00 255
2023-03-01 $466,225 (0.2%) $553,962 (-11.1%) 0.00 236
2023-04-01 $480,000 (6.1%) $573,825 (-6.9%) 0.00 230
2023-05-01 $487,125 (8.3%) $571,268 (-0.5%) 0.00 249
2023-06-01 $480,000 (6.7%) $568,730 (-8.1%) 0.00 290
2023-07-01 $482,900 (4.6%) $591,123 (-4.2%) 0.00 307
2023-08-01 $484,450 (7.7%) $597,356 (-0.2%) 0.00 322
2023-09-01 $471,400 (1.9%) $583,795 (-1.1%) 0.00 363
2023-10-01 $455,000 (-2.2%) $561,459 (-5.3%) 0.00 381
2023-11-01 $463,475 (1.7%) $582,491 (-0.3%) 0.00 402
2023-12-01 $463,521 (1.0%) $588,526 (2.2%) 0.00 407
2024-01-01 $468,925 (2.8%) $583,747 (3.4%) 0.00 390
2024-02-01 $463,225 (2.1%) $596,240 (6.0%) 0.00 358
2024-03-01 $455,000 (-2.4%) $602,148 (8.7%) 0.00 358
2024-04-01 $462,500 (-3.7%) $607,824 (5.9%) 0.00 395
2024-05-01 $474,999 (-2.5%) $635,643 (11.3%) 0.00 436
Pinehurst - Southern Pines's median listing price for 2024-05-01 was $474,999, a difference of $-12,126 (-2.5%) versus the prior year and $12,499 versus the prior month.

Pinehurst - Southern Pines's median listing price comes in at 0% of the national average.

Pinehurst - Southern Pines's average listing price for 2024-05-01 was $635,643, a difference of $64,375 (11.3%) versus the prior year and $27,819 versus the prior month.

For the 2024-05-01 period, Pinehurst - Southern Pines had 436 MLS listings, a difference of 41 listings (10%) versus the prior month and 187 listings (75%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Pinehurst - Southern Pines (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,500 sqft
2018-02-01 0 days 2,500 sqft
2018-03-01 0 days 2,500 sqft
2018-04-01 0 days 2,500 sqft
2018-05-01 0 days 2,500 sqft
2018-06-01 0 days 2,500 sqft
2018-07-01 0 days 2,512 sqft
2018-08-01 0 days 2,500 sqft
2018-09-01 0 days 2,500 sqft
2018-10-01 0 days 2,500 sqft
2018-11-01 0 days 2,500 sqft
2018-12-01 0 days 2,500 sqft
2019-01-01 0 days 2,500 sqft
2019-02-01 0 days 2,448 sqft
2019-03-01 0 days 2,478 sqft
2019-04-01 0 days 2,540 sqft
2019-05-01 0 days 2,562 sqft
2019-06-01 0 days 2,545 sqft
2019-07-01 0 days 2,556 sqft
2019-08-01 0 days 2,551 sqft
2019-09-01 0 days 2,550 sqft
2019-10-01 0 days 2,549 sqft
2019-11-01 0 days 2,510 sqft
2019-12-01 0 days 2,551 sqft
2020-01-01 0 days 2,521 sqft
2020-02-01 0 days 2,514 sqft
2020-03-01 0 days 2,516 sqft
2020-04-01 0 days 2,500 sqft
2020-05-01 0 days 2,500 sqft
2020-06-01 0 days 2,512 sqft
2020-07-01 0 days 2,492 sqft
2020-08-01 0 days 2,500 sqft
2020-09-01 0 days 2,544 sqft
2020-10-01 0 days 2,550 sqft
2020-11-01 0 days 2,536 sqft
2020-12-01 0 days 2,518 sqft
2021-01-01 0 days 2,512 sqft
2021-02-01 0 days 2,389 sqft
2021-03-01 0 days 2,345 sqft
2021-04-01 0 days 2,343 sqft
2021-05-01 0 days 2,262 sqft
2021-06-01 0 days 2,298 sqft
2021-07-01 0 days 2,254 sqft
2021-08-01 0 days 2,312 sqft
2021-09-01 0 days 2,281 sqft
2021-10-01 0 days 2,288 sqft
2021-11-01 0 days 2,369 sqft
2021-12-01 0 days 2,357 sqft
2022-01-01 0 days 2,367 sqft
2022-02-01 0 days 2,344 sqft
2022-03-01 0 days 2,463 sqft
2022-04-01 0 days 2,445 sqft
2022-05-01 0 days 2,427 sqft
2022-06-01 0 days 2,415 sqft
2022-07-01 0 days 2,500 sqft
2022-08-01 0 days 2,453 sqft
2022-09-01 0 days 2,491 sqft
2022-10-01 0 days 2,497 sqft
2022-11-01 0 days 2,474 sqft
2022-12-01 0 days 2,455 sqft
2023-01-01 0 days 2,444 sqft
2023-02-01 0 days 2,416 sqft
2023-03-01 0 days 2,429 sqft
2023-04-01 0 days 2,468 sqft
2023-05-01 0 days 2,383 sqft
2023-06-01 0 days 2,355 sqft
2023-07-01 0 days 2,375 sqft
2023-08-01 0 days 2,331 sqft
2023-09-01 0 days 2,283 sqft
2023-10-01 0 days 2,209 sqft
2023-11-01 0 days 2,253 sqft
2023-12-01 0 days 2,292 sqft
2024-01-01 0 days 2,299 sqft
2024-02-01 0 days 2,304 sqft
2024-03-01 0 days 2,351 sqft
2024-04-01 0 days 2,363 sqft
2024-05-01 0 days 2,370 sqft
Pinehurst - Southern Pines's median listing age (time on market) for 2024-05-01 was 0 days.

Pinehurst - Southern Pines's median square footage for active listings during the 2024-05-01 period was 2,370 sqft. One year prior, the average listing was 2,383 sqft.

Pinehurst-Southern Pines, NC Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,803 $701,015,000 $388,805
Home Improvement 333 $39,115,000 $117,462
Other 331 $39,895,000 $120,529
Cash Out Refi 248 $68,240,000 $275,161
Refi 216 $41,070,000 $190,139

Pinehurst - Southern Pines's most frequently cited loan purpose was Home Purchase, with 1,803 originations. The 2nd most popular reason was Home Improvement, with 333 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 951 $351,785,000 $369,911
5-6% 688 $265,300,000 $385,610
7-8% 655 $167,445,000 $255,641
Over 8% 441 $62,825,000 $142,460
4-5% 157 $33,105,000 $210,860
<2.5% 18 $2,690,000 $149,444
3-4% 9 $2,355,000 $261,667
2.5-3% 2 $620,000 $310,000

During 2023, Pinehurst - Southern Pines's most frequently originated rate bucket was 6-7%, with 951 originations.

Loan Sizing (Pinehurst-Southern Pines, NC MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,113 $332,525,000 $298,765
$400k-600k 553 $261,585,000 $473,029
$100k-200k 542 $78,490,000 $144,815
$100,000 or less 510 $28,770,000 $56,412
$600k-1000k 168 $123,600,000 $735,714
$Over $1MM 45 $64,365,000 $1,430,333

Pinehurst - Southern Pines's loan sizing saw the bucket of loans from $200k-400k with 1,113 originations, totaling $332,525,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,002 $407,950,000 $407,136
60-80% 536 $200,980,000 $374,963
Under 20% 449 $29,985,000 $66,782
20-40% 381 $57,125,000 $149,934
40-60% 279 $80,095,000 $287,079
Over 100% 260 $105,790,000 $406,885

Pinehurst - Southern Pines's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,002 originations, totaling $407,950,000 in origination value.