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
6.42%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.73% and
one month ago for the week of 2025-02-27, the
average rate was 6.84%.
Pinehurst - Southern Pines's average rate one year ago was 6.77%.
For refis of the same type during the week of 2025-04-03, the average rate
was 7.11%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Pinehurst - Southern Pines 30 Year Fixed Rate | 2025-04-03 | 6.42% |
| Pinehurst - Southern Pines 30 Year Fixed Rate Refi | 2025-04-03 | 7.11% |
| Pinehurst - Southern Pines 15 Year Fixed Rate | 2025-04-03 | 5.82% |
| Pinehurst - Southern Pines 15 Year Fixed Rate Refi | 2025-04-03 | 6.12% |
| Pinehurst - Southern Pines 30 Year FHA | 2025-04-03 | 6.12% |
| Pinehurst - Southern Pines 30 Year FHA Refi | 2025-04-03 | 6.06% |
| Pinehurst - Southern Pines 30 Year USDA | 2025-04-03 | 6.22% |
| Pinehurst - Southern Pines 30 Year USDA Refi | 2025-04-03 | 6.52% |
| Pinehurst - Southern Pines 30 Year VA | 2025-04-03 | 5.77% |
| Pinehurst - Southern Pines 30 Year VA Refi | 2025-04-03 | 5.27% |
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.).
Pinehurst - Southern Pines Average Closing Costs & Other Stats
Pinehurst-Southern Pines, NC's 146 lenders originated 3,232
loans during 2024. The total origination value was $1,157,200,000, with an average loan value of
$358,045.
Pinehurst - Southern Pines's average closing costs are $6,232.
The top Pinehurst - Southern Pines lender as defined by loan originations is NFM, INC., with
64 loans originated. Their average total fees are
$6,598, which is $25
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. ($2,357), First Bank ($2,558), NAVY FEDERAL CREDIT UNION ($3,071), INTERCOASTAL MORTGAGE COMPANY ($3,346) and STATE EMPLOYEES' ($3,900).
The lowest rate Pinehurst - Southern Pines lenders (with over 10 loans originated) are
First Bank (5.15%), DHI MORTGAGE COMPANY, LTD. (5.85%), STATE EMPLOYEES' (6.11%), JPMorgan Chase Bank (6.42%) and NAVY FEDERAL CREDIT UNION (6.43%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| NFM, INC. | $50,105,000 | $92,645,000 | 84.9% | 8.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $58,255,000 | $63,580,000 | 9.1% | 5.5% |
| MOVEMENT MORTGAGE, LLC | $50,065,000 | $56,855,000 | 13.6% | 4.9% |
| GREYSTONE SERVICING COMPANY LLC | $50,075,000 | n/a | 4.3% | |
| First-Citizens Bank & Trust Company | $54,900,000 | $49,415,000 | -10.0% | 4.3% |
| GoPrime Mortgage, Inc. | $25,680,000 | $49,115,000 | 91.3% | 4.2% |
| QUICKEN LOANS, LLC | $35,610,000 | $45,340,000 | 27.3% | 3.9% |
| DHI MORTGAGE COMPANY, LTD. | $17,375,000 | $37,285,000 | 114.6% | 3.2% |
| PENNYMAC LOAN SERVICES, LLC | $19,600,000 | $34,570,000 | 76.4% | 3.0% |
| STATE EMPLOYEES' | $34,500,000 | $33,065,000 | -4.2% | 2.9% |
| First Bank | $49,110,000 | $32,475,000 | -33.9% | 2.8% |
| NAVY FEDERAL CREDIT UNION | $19,425,000 | $28,125,000 | 44.8% | 2.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $11,175,000 | $27,655,000 | 147.5% | 2.4% |
| FREEDOM MORTGAGE CORPORATION | $4,065,000 | $23,820,000 | 486.0% | 2.1% |
| Prosperity Home Mortgage, LLC | $27,600,000 | $23,450,000 | -15.0% | 2.0% |
| Mortgage Research Center, LLC | $21,950,000 | $19,905,000 | -9.3% | 1.7% |
| CMG MORTGAGE, INC. | $5,555,000 | $15,320,000 | 175.8% | 1.3% |
| UNION HOME MORTGAGE CORP. | $15,615,000 | $14,470,000 | -7.3% | 1.3% |
| Truist | $21,260,000 | $13,120,000 | -38.3% | 1.1% |
| USAA Federal Savings Bank | $9,065,000 | $12,940,000 | 42.7% | 1.1% |
| Alcova Mortgage LLC | $13,715,000 | $11,100,000 | -19.1% | 1.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $6,265,000 | $10,965,000 | 75.0% | 0.9% |
| The Fidelity Bank | $14,190,000 | $10,740,000 | -24.3% | 0.9% |
| First National Bank of Pennsylvania | $16,035,000 | $9,900,000 | -38.3% | 0.9% |
| LENDINGHOME FUNDING CORPORATION | $2,295,000 | $9,735,000 | 324.2% | 0.8% |
| VILLAGE CAPITAL MORTGAGE | $485,000 | $9,510,000 | 1,860.8% | 0.8% |
| American Security Mortgage Corp. | $6,860,000 | $8,905,000 | 29.8% | 0.8% |
| LOANDEPOT.COM, LLC | $4,685,000 | $7,820,000 | 66.9% | 0.7% |
| NEWREZ LLC | $3,605,000 | $7,475,000 | 107.4% | 0.6% |
| GUARANTEED RATE, INC. | $5,335,000 | $7,075,000 | 32.6% | 0.6% |
| INTERCOASTAL MORTGAGE COMPANY | $13,010,000 | $6,950,000 | -46.6% | 0.6% |
| U.S. Bank | $430,000 | $6,630,000 | 1,441.9% | 0.6% |
| ACOPIA, LLC | $365,000 | $6,085,000 | 1,567.1% | 0.5% |
| Bank of America | $4,765,000 | $5,830,000 | 22.4% | 0.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $8,115,000 | $5,785,000 | -28.7% | 0.5% |
| PNC Bank | $6,065,000 | $5,680,000 | -6.3% | 0.5% |
| Wells Fargo Bank | $6,585,000 | $5,635,000 | -14.4% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $6,485,000 | $5,585,000 | -13.9% | 0.5% |
| BROKER SOLUTIONS, INC. | $6,760,000 | $5,560,000 | -17.8% | 0.5% |
| AgFirst Farm Credit Bank | $3,965,000 | $5,530,000 | 39.5% | 0.5% |
| JPMorgan Chase Bank | $4,175,000 | $5,515,000 | 32.1% | 0.5% |
| GUILD MORTGAGE COMPANY | $125,000 | $5,410,000 | 4,228.0% | 0.5% |
| First Federal Bank | $4,280,000 | n/a | 0.4% | |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $4,855,000 | $4,160,000 | -14.3% | 0.4% |
| COASTAL Federal Credit Union | $8,990,000 | $4,155,000 | -53.8% | 0.4% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $720,000 | $3,985,000 | 453.5% | 0.3% |
| Morgan Stanley Private Bank | $2,345,000 | $3,560,000 | 51.8% | 0.3% |
| CARDINAL FINANCIAL | $5,105,000 | $3,055,000 | -40.2% | 0.3% |
| Fifth Third Bank | $1,945,000 | $2,960,000 | 52.2% | 0.3% |
| Ameris Bank | $865,000 | $2,930,000 | 238.7% | 0.3% |
| NEW DAY FINANCIAL, LLC | $2,430,000 | $2,910,000 | 19.8% | 0.3% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $2,880,000 | n/a | 0.2% | |
| CORNERSTONE HOME LENDING, INC. | $2,605,000 | $2,755,000 | 5.8% | 0.2% |
| SOUTHERN TRUST MORTGAGE, LLC | $3,445,000 | $2,735,000 | -20.6% | 0.2% |
| Flagstar Bank, FSB | $2,465,000 | $2,530,000 | 2.6% | 0.2% |
| Plains Commerce Bank | $2,660,000 | $2,530,000 | -4.9% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $2,390,000 | n/a | 0.2% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,360,000 | $2,310,000 | 69.9% | 0.2% |
| M&T Bank | $510,000 | $2,175,000 | 326.5% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $1,305,000 | $2,170,000 | 66.3% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $530,000 | $2,150,000 | 305.7% | 0.2% |
| First Horizon Bank | $3,310,000 | $2,140,000 | -35.3% | 0.2% |
| Encompass Lending Group, LP | $245,000 | $2,135,000 | 771.4% | 0.2% |
| TD Bank | $2,935,000 | $2,055,000 | -30.0% | 0.2% |
| JET HOMELOANS, LLC | $16,765,000 | $1,970,000 | -88.2% | 0.2% |
| Towne Bank | $1,130,000 | $1,880,000 | 66.4% | 0.2% |
| 21ST MORTGAGE CORPORATION | $1,060,000 | $1,865,000 | 75.9% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $3,610,000 | $1,845,000 | -48.9% | 0.2% |
| FIRST HOME MORTGAGE CORPORATION | $1,030,000 | $1,810,000 | 75.7% | 0.2% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $1,785,000 | n/a | 0.2% | |
| NBKC BANK | $1,485,000 | $1,750,000 | 17.8% | 0.2% |
| Citizens Bank | $1,725,000 | $1,710,000 | -0.9% | 0.1% |
| Carrington Mortgage Services, LLC | $1,080,000 | $1,695,000 | 56.9% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $425,000 | $1,675,000 | 294.1% | 0.1% |
| FOUNDATION MORTGAGE CORPORATION | $1,655,000 | n/a | 0.1% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,295,000 | $1,650,000 | -28.1% | 0.1% |
| Truliant Federal Credit Union | $970,000 | $1,645,000 | 69.6% | 0.1% |
| South State Bank | $470,000 | $1,495,000 | 218.1% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,490,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,470,000 | n/a | 0.1% | |
| HOMESTEAD FUNDING CORP. | $1,470,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $895,000 | $1,460,000 | 63.1% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,420,000 | n/a | 0.1% | |
| MICHIGAN MUTUAL, INC. | $690,000 | $1,415,000 | 105.1% | 0.1% |
| Wolfe Financial, Inc | $800,000 | $1,410,000 | 76.3% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $385,000 | $1,335,000 | 246.8% | 0.1% |
| SeaTrust Mortgage Company | $365,000 | $1,260,000 | 245.2% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $960,000 | $1,250,000 | 30.2% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $205,000 | $1,240,000 | 504.9% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $1,205,000 | n/a | 0.1% | |
| Discover Bank | $1,465,000 | $1,195,000 | -18.4% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $1,340,000 | $1,170,000 | -12.7% | 0.1% |
| PHH Mortgage Corporation | $1,165,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $1,160,000 | n/a | 0.1% | |
| Presidential Bank, FSB | $265,000 | $1,155,000 | 335.8% | 0.1% |
| LOCAL GOVERNMENT FEDERAL CREDIT UNION | $4,355,000 | $1,100,000 | -74.7% | 0.1% |
| 1ST SIGNATURE LENDING, LLC | $1,265,000 | $1,075,000 | -15.0% | 0.1% |
| CANOPY MORTGAGE, LLC | $255,000 | $1,055,000 | 313.7% | 0.1% |
| Stifel Bank and Trust | $2,265,000 | $1,015,000 | -55.2% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $75,000 | $1,000,000 | 1,233.3% | 0.1% |
| Mid-Continent Funding, Inc. | $600,000 | $990,000 | 65.0% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $1,270,000 | $975,000 | -23.2% | 0.1% |
| The Central Trust Bank | $1,830,000 | $970,000 | -47.0% | 0.1% |
| EQUITY RESOURCES, INC. | $385,000 | $960,000 | 149.4% | 0.1% |
| Cf Bank | $925,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $2,810,000 | $925,000 | -67.1% | 0.1% |
| The Northern Trust Company | $925,000 | n/a | 0.1% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $1,060,000 | $910,000 | -14.2% | 0.1% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $355,000 | $905,000 | 154.9% | 0.1% |
| Equity Prime Mortgage LLC | $875,000 | n/a | 0.1% | |
| JMAC LENDING, INC. | $870,000 | n/a | 0.1% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $860,000 | n/a | 0.1% | |
| Figure Lending LLC | $610,000 | $835,000 | 36.9% | 0.1% |
| Charles Schwab Bank, SSB | $1,280,000 | $820,000 | -35.9% | 0.1% |
| Select Bank | $815,000 | n/a | 0.1% | |
| Fulton Bank | $805,000 | n/a | 0.1% | |
| Bank of England | $800,000 | n/a | 0.1% | |
| Magnolia Bank | $425,000 | $800,000 | 88.2% | 0.1% |
| The Loan Store, Inc. | $790,000 | n/a | 0.1% | |
| Brighton Bank | $775,000 | n/a | 0.1% | |
| Sierra Pacific Mortgage Company, Inc. | $815,000 | $770,000 | -5.5% | 0.1% |
| Florida Capital Bank | $765,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $2,845,000 | $750,000 | -73.6% | 0.1% |
| ENCORE BANK | $735,000 | n/a | 0.1% | |
| MILEND, INC. | $445,000 | $715,000 | 60.7% | 0.1% |
| Regions Bank | $1,775,000 | $710,000 | -60.0% | 0.1% |
| Coastal Community Bank | $700,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $690,000 | $695,000 | 0.7% | 0.1% |
| UNITED MORTGAGE CORP | $675,000 | n/a | 0.1% | |
| Sound Bank | $205,000 | $665,000 | 224.4% | 0.1% |
| Credence Funding Corporation | $655,000 | n/a | 0.1% | |
| Armed Forces Bank | $1,915,000 | $640,000 | -66.6% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $470,000 | $625,000 | 33.0% | 0.1% |
| Synovus Bank | $625,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $3,315,000 | $585,000 | -82.4% | 0.1% |
| FIDELITY DIRECT MORTGAGE, LLC | $335,000 | $575,000 | 71.6% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $555,000 | $575,000 | 3.6% | 0.0% |
| LOANPAL, LLC | $935,000 | $570,000 | -39.0% | 0.0% |
| Beeline Loans, Inc. | $555,000 | n/a | 0.0% | |
| ON Q FINANCIAL, INC. | $335,000 | $555,000 | 65.7% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $235,000 | $545,000 | 131.9% | 0.0% |
| Towne Mortgage, LLC | $545,000 | n/a | 0.0% | |
| Integrity Home Mortgage Corp | $610,000 | $540,000 | -11.5% | 0.0% |
| ALLIANT CREDIT UNION | $155,000 | $525,000 | 238.7% | 0.0% |
| Bethpage Federal Credit Union | $110,000 | $525,000 | 377.3% | 0.0% |
| Northpointe Bank | $455,000 | $515,000 | 13.2% | 0.0% |
| Renasant Bank | $705,000 | $515,000 | -27.0% | 0.0% |
| Farmers Bank & Trust | $435,000 | $505,000 | 16.1% | 0.0% |
| GENEVA FINANCIAL, LLC | $505,000 | n/a | 0.0% | |
| NORWICH COMMERCIAL GROUP, INC. | $505,000 | n/a | 0.0% | |
| POLARIS HOME FUNDING CORP. | $505,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $115,000 | $505,000 | 339.1% | 0.0% |
| Blue Ridge Bank | $1,305,000 | $485,000 | -62.8% | 0.0% |
| Strong Home Mortgage, LLC | $860,000 | $485,000 | -43.6% | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | $475,000 | n/a | 0.0% | |
| AMERITRUST MORTGAGE CORPORATION | $465,000 | n/a | 0.0% | |
| Southern Bank and Trust Company | $805,000 | $460,000 | -42.9% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $350,000 | $450,000 | 28.6% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $445,000 | n/a | 0.0% | |
| MORTGAGE ACCESS CORP. | $425,000 | n/a | 0.0% | |
| Community Trust Bank, Inc. | $415,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $415,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $740,000 | $415,000 | -43.9% | 0.0% |
| Bangor Savings Bank | $405,000 | n/a | 0.0% | |
| Piedmont Federal Savings Bank | $405,000 | n/a | 0.0% | |
| Atlantic Union Bank | $400,000 | n/a | 0.0% | |
| INTERSTATE HOME LOAN CENTER, INC. | $395,000 | n/a | 0.0% | |
| TIDEWATER MORTGAGE SERVICES, INC. | $1,115,000 | $395,000 | -64.6% | 0.0% |
| CORNING | $385,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $380,000 | n/a | 0.0% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $405,000 | $375,000 | -7.4% | 0.0% |
| Univest Bank and Trust Co. | $375,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $365,000 | $365,000 | 0.0% | 0.0% |
| FREEDOM FIRST | $365,000 | n/a | 0.0% | |
| Sandy Spring Bank | $550,000 | $355,000 | -35.5% | 0.0% |
| TOWNE MORTGAGE COMPANY | $385,000 | $355,000 | -7.8% | 0.0% |
| Lumbee Guaranty Bank | $350,000 | n/a | 0.0% | |
| Goldwater Bank, N.A. | $345,000 | n/a | 0.0% | |
| OCMBC, INC. | $345,000 | n/a | 0.0% | |
| ZILLOW HOME LOANS, LLC | $900,000 | $345,000 | -61.7% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $315,000 | $335,000 | 6.3% | 0.0% |
| Ardent Federal Credit Union | $335,000 | n/a | 0.0% | |
| BAY EQUITY LLC | $335,000 | n/a | 0.0% | |
| FirstBank | $335,000 | n/a | 0.0% | |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | $335,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $335,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $325,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $445,000 | $325,000 | -27.0% | 0.0% |
| FineMark National Bank & Trust | $315,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $310,000 | n/a | 0.0% | |
| Pinnacle Bank | $1,870,000 | $310,000 | -83.4% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $820,000 | $305,000 | -62.8% | 0.0% |
| Legends Bank | $305,000 | n/a | 0.0% | |
| Johnson Bank | $295,000 | n/a | 0.0% | |
| VERITAS FUNDING, LLC | $600,000 | $295,000 | -50.8% | 0.0% |
| AmeriHome Mortgage Company, LLC | $315,000 | $285,000 | -9.5% | 0.0% |
| JAMS-01, INC. | $890,000 | $285,000 | -68.0% | 0.0% |
| Dollar Bank, Federal Savings Bank | $675,000 | $275,000 | -59.3% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $275,000 | n/a | 0.0% | |
| Kwik Mortgage Corporation | $275,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $375,000 | $275,000 | -26.7% | 0.0% |
| Raymond James Bank | $1,145,000 | $275,000 | -76.0% | 0.0% |
| UNITED PREMIER FUNDING, LLC | $275,000 | n/a | 0.0% | |
| Towne Mortgage of the Carolinas, LLC | $435,000 | $265,000 | -39.1% | 0.0% |
| University Bank | $265,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $1,130,000 | $255,000 | -77.4% | 0.0% |
| HOMESPIRE MORTGAGE CORPORATION | $730,000 | $255,000 | -65.1% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,215,000 | $255,000 | -79.0% | 0.0% |
| UBS Bank USA | $1,260,000 | $255,000 | -79.8% | 0.0% |
| American Airlines Federal Credit Union | $245,000 | n/a | 0.0% | |
| First Federal Savings and Loan Association of Lakewood | $245,000 | n/a | 0.0% | |
| North State Bank | $115,000 | $235,000 | 104.3% | 0.0% |
| SPRING EQ, LLC | $235,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $690,000 | $235,000 | -65.9% | 0.0% |
| Hometown Equity Mortgage, LLC | $225,000 | n/a | 0.0% | |
| SUMMIT FUNDING, INC. | $225,000 | n/a | 0.0% | |
| BankPlus | $215,000 | n/a | 0.0% | |
| KeyBank | $205,000 | $215,000 | 4.9% | 0.0% |
| The Federal Savings Bank | $2,695,000 | $210,000 | -92.2% | 0.0% |
| MORTGAGEONE, INC. | $205,000 | n/a | 0.0% | |
| The Huntington National Bank | $480,000 | $205,000 | -57.3% | 0.0% |
| First National Bank of Omaha | $525,000 | $195,000 | -62.9% | 0.0% |
| GENISYS | $195,000 | n/a | 0.0% | |
| PREMIER AMERICA | $185,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $205,000 | $185,000 | -9.8% | 0.0% |
| Lincoln FSB of Nebraska | $175,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $170,000 | n/a | 0.0% | |
| Advisors Mortgage Group, L.L.C. | $165,000 | n/a | 0.0% | |
| LATINO COMMUNITY CREDIT UNION | $745,000 | $165,000 | -77.9% | 0.0% |
| DELMAR FINANCIAL COMPANY | $855,000 | $155,000 | -81.9% | 0.0% |
| LENDINGONE, LLC | $370,000 | $155,000 | -58.1% | 0.0% |
| S. C. TELCO | $155,000 | n/a | 0.0% | |
| Union Savings Bank | $620,000 | $155,000 | -75.0% | 0.0% |
| Citadel Servicing Corporation | $145,000 | n/a | 0.0% | |
| EMM LOANS LLC | $3,140,000 | $135,000 | -95.7% | 0.0% |
| First National Bank of America | $135,000 | n/a | 0.0% | |
| Arvest Bank | $125,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $125,000 | n/a | 0.0% | |
| First American Bank | $105,000 | $125,000 | 19.0% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $850,000 | $115,000 | -86.5% | 0.0% |
| Uwharrie Bank | $725,000 | $115,000 | -84.1% | 0.0% |
| Baxter Credit Union | $105,000 | n/a | 0.0% | |
| BETTER MORTGAGE CORPORATION | $845,000 | $105,000 | -87.6% | 0.0% |
| Leader Bank | $105,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $105,000 | n/a | 0.0% | |
| Cornerstone First Mortgage, Inc | $425,000 | $95,000 | -77.6% | 0.0% |
| Nations Lending Corporation | $95,000 | n/a | 0.0% | |
| First National Bank and Trust Company | $85,000 | n/a | 0.0% | |
| The Park National Bank | $85,000 | n/a | 0.0% | |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $75,000 | $85,000 | 13.3% | 0.0% |
| HUNT MORTGAGE CORPORATION | $55,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $55,000 | n/a | 0.0% |
Pinehurst - Southern Pines's top lender by overall market share is NFM, INC., with 8.0% market share. In second place, with 5.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $63,580,000 in loans. In third place, with 4.9%, is MOVEMENT MORTGAGE, LLC, having originated $56,855,000 in loans. In fourth place, with 4.3%, is GREYSTONE SERVICING COMPANY LLC, having originated $50,075,000 in loans. In fifth place, with 4.3%, is First-Citizens Bank & Trust Company, having originated $49,415,000 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%) | $427,859 (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%) | $432,634 (12.1%) | 0.00 | 624 |
| 2019-12-01 | $331,865 (8.8%) | $440,093 (13.8%) | 0.00 | 588 |
| 2020-01-01 | $333,595 (8.7%) | $436,811 (11.8%) | 0.00 | 561 |
| 2020-02-01 | $339,205 (8.6%) | $429,585 (8.4%) | 0.00 | 549 |
| 2020-03-01 | $339,450 (6.6%) | $427,843 (3.7%) | 0.00 | 576 |
| 2020-04-01 | $337,179 (4.1%) | $414,272 (-3.2%) | 0.00 | 589 |
| 2020-05-01 | $339,450 (1.0%) | $417,576 (-3.2%) | 0.00 | 528 |
| 2020-06-01 | $335,750 (0.6%) | $424,670 (0.1%) | 0.00 | 468 |
| 2020-07-01 | $329,988 (-1.3%) | $424,742 (-1.0%) | 0.00 | 415 |
| 2020-08-01 | $330,227 (-0.7%) | $438,969 (2.5%) | 0.00 | 396 |
| 2020-09-01 | $345,000 (4.2%) | $443,850 (4.0%) | 0.00 | 367 |
| 2020-10-01 | $345,000 (4.6%) | $445,906 (4.6%) | 0.00 | 325 |
| 2020-11-01 | $351,975 (6.7%) | $443,318 (2.5%) | 0.00 | 300 |
| 2020-12-01 | $349,750 (5.4%) | $460,333 (4.6%) | 0.00 | 274 |
| 2021-01-01 | $363,908 (9.1%) | $493,969 (13.1%) | 0.00 | 207 |
| 2021-02-01 | $365,893 (7.9%) | $498,532 (16.1%) | 0.00 | 174 |
| 2021-03-01 | $357,725 (5.4%) | $480,352 (12.3%) | 0.00 | 236 |
| 2021-04-01 | $365,168 (8.3%) | $479,576 (15.8%) | 0.00 | 270 |
| 2021-05-01 | $365,000 (7.5%) | $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 (14.3%) | $529,372 (24.6%) | 0.00 | 155 |
| 2021-08-01 | $385,326 (16.7%) | $510,383 (16.3%) | 0.00 | 181 |
| 2021-09-01 | $385,750 (11.8%) | $487,256 (9.8%) | 0.00 | 180 |
| 2021-10-01 | $390,000 (13.0%) | $517,441 (16.0%) | 0.00 | 188 |
| 2021-11-01 | $399,250 (13.4%) | $591,508 (33.4%) | 0.00 | 192 |
| 2021-12-01 | $399,000 (14.1%) | $587,025 (27.5%) | 0.00 | 156 |
| 2022-01-01 | $399,000 (9.6%) | $605,545 (22.6%) | 0.00 | 144 |
| 2022-02-01 | $428,313 (17.1%) | $653,836 (31.2%) | 0.00 | 100 |
| 2022-03-01 | $464,000 (29.7%) | $621,767 (29.4%) | 0.00 | 104 |
| 2022-04-01 | $452,500 (23.9%) | $615,133 (28.3%) | 0.00 | 134 |
| 2022-05-01 | $449,925 (23.3%) | $569,222 (7.8%) | 0.00 | 178 |
| 2022-06-01 | $449,900 (20.8%) | $611,462 (21.2%) | 0.00 | 225 |
| 2022-07-01 | $456,400 (21.1%) | $611,517 (15.5%) | 0.00 | 254 |
| 2022-08-01 | $449,900 (16.8%) | $594,073 (16.4%) | 0.00 | 285 |
| 2022-09-01 | $460,950 (19.5%) | $587,930 (20.7%) | 0.00 | 315 |
| 2022-10-01 | $465,000 (19.2%) | $593,261 (14.7%) | 0.00 | 343 |
| 2022-11-01 | $452,500 (13.3%) | $580,015 (-1.9%) | 0.00 | 355 |
| 2022-12-01 | $451,000 (13.0%) | $571,006 (-2.7%) | 0.00 | 341 |
| 2023-01-01 | $451,035 (13.0%) | $559,992 (-7.5%) | 0.00 | 305 |
| 2023-02-01 | $451,855 (5.5%) | $559,178 (-14.5%) | 0.00 | 259 |
| 2023-03-01 | $464,950 (0.2%) | $551,727 (-11.3%) | 0.00 | 239 |
| 2023-04-01 | $480,000 (6.1%) | $573,825 (-6.7%) | 0.00 | 230 |
| 2023-05-01 | $487,125 (8.3%) | $571,268 (0.4%) | 0.00 | 249 |
| 2023-06-01 | $479,975 (6.7%) | $570,128 (-6.8%) | 0.00 | 289 |
| 2023-07-01 | $480,000 (5.2%) | $588,826 (-3.7%) | 0.00 | 308 |
| 2023-08-01 | $484,400 (7.7%) | $596,247 (0.4%) | 0.00 | 323 |
| 2023-09-01 | $471,400 (2.3%) | $583,795 (-0.7%) | 0.00 | 364 |
| 2023-10-01 | $452,044 (-2.8%) | $557,853 (-6.0%) | 0.00 | 386 |
| 2023-11-01 | $460,250 (1.7%) | $579,113 (-0.2%) | 0.00 | 406 |
| 2023-12-01 | $459,950 (2.0%) | $585,395 (2.5%) | 0.00 | 412 |
| 2024-01-01 | $466,175 (3.4%) | $581,288 (3.8%) | 0.00 | 392 |
| 2024-02-01 | $462,000 (2.3%) | $595,612 (6.5%) | 0.00 | 358 |
| 2024-03-01 | $455,000 (-2.1%) | $601,013 (8.9%) | 0.00 | 358 |
| 2024-04-01 | $463,500 (-3.4%) | $608,035 (6.0%) | 0.00 | 395 |
| 2024-05-01 | $475,000 (-2.5%) | $633,108 (10.8%) | 0.00 | 436 |
| 2024-06-01 | $479,900 (0.0%) | $640,836 (12.4%) | 0.00 | 505 |
| 2024-07-01 | $475,000 (-1.0%) | $620,207 (5.3%) | 0.00 | 505 |
| 2024-08-01 | $461,450 (-4.7%) | $595,946 (-0.1%) | 0.00 | 547 |
| 2024-09-01 | $455,000 (-3.5%) | $609,380 (4.4%) | 0.00 | 553 |
| 2024-10-01 | $451,250 (-0.2%) | $600,005 (7.6%) | 0.00 | 549 |
| 2024-11-01 | $454,990 (-1.1%) | $596,744 (3.0%) | 0.00 | 546 |
| 2024-12-01 | $449,900 (-2.2%) | $588,451 (0.5%) | 0.00 | 500 |
| 2025-01-01 | $456,225 (-2.1%) | $596,389 (2.6%) | 0.00 | 506 |
| 2025-02-01 | $454,208 (-1.7%) | $592,123 (-0.6%) | 0.00 | 494 |
| 2025-03-01 | $469,999 (3.3%) | $583,662 (-2.9%) | 0.00 | 505 |
Pinehurst - Southern Pines's median listing price for 2025-03-01 was $469,999, a difference of
$14,999
(3.3%) versus the prior year and
$15,791 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 2025-03-01 was $583,662, a difference of $-17,351 (-2.9%) versus the prior year and $-8,461 versus the prior month.
For the 2025-03-01 period, Pinehurst - Southern Pines had 505 MLS listings, a difference of 11 listings (2%) versus the prior month and 147 listings (41%) versus the prior year.
Pinehurst - Southern Pines's median listing price comes in at 0% of the national average.
Pinehurst - Southern Pines's average listing price for 2025-03-01 was $583,662, a difference of $-17,351 (-2.9%) versus the prior year and $-8,461 versus the prior month.
For the 2025-03-01 period, Pinehurst - Southern Pines had 505 MLS listings, a difference of 11 listings (2%) versus the prior month and 147 listings (41%) 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 | 2,483 sqft |
| 2019-04-01 | 0 days | 2,545 sqft |
| 2019-05-01 | 0 days | 2,563 sqft |
| 2019-06-01 | 0 days | 2,546 sqft |
| 2019-07-01 | 0 days | 2,557 sqft |
| 2019-08-01 | 0 days | 2,553 sqft |
| 2019-09-01 | 0 days | 2,551 sqft |
| 2019-10-01 | 0 days | 2,549 sqft |
| 2019-11-01 | 0 days | 2,520 sqft |
| 2019-12-01 | 0 days | 2,537 sqft |
| 2020-01-01 | 0 days | 2,511 sqft |
| 2020-02-01 | 0 days | 2,506 sqft |
| 2020-03-01 | 0 days | 2,513 sqft |
| 2020-04-01 | 0 days | 2,500 sqft |
| 2020-05-01 | 0 days | 2,500 sqft |
| 2020-06-01 | 0 days | 2,502 sqft |
| 2020-07-01 | 0 days | 2,493 sqft |
| 2020-08-01 | 0 days | 2,500 sqft |
| 2020-09-01 | 0 days | 2,543 sqft |
| 2020-10-01 | 0 days | 2,543 sqft |
| 2020-11-01 | 0 days | 2,530 sqft |
| 2020-12-01 | 0 days | 2,506 sqft |
| 2021-01-01 | 0 days | 2,512 sqft |
| 2021-02-01 | 0 days | 2,396 sqft |
| 2021-03-01 | 0 days | 2,342 sqft |
| 2021-04-01 | 0 days | 2,353 sqft |
| 2021-05-01 | 0 days | 2,260 sqft |
| 2021-06-01 | 0 days | 2,297 sqft |
| 2021-07-01 | 0 days | 2,256 sqft |
| 2021-08-01 | 0 days | 2,317 sqft |
| 2021-09-01 | 0 days | 2,285 sqft |
| 2021-10-01 | 0 days | 2,290 sqft |
| 2021-11-01 | 0 days | 2,375 sqft |
| 2021-12-01 | 0 days | 2,357 sqft |
| 2022-01-01 | 0 days | 2,367 sqft |
| 2022-02-01 | 0 days | 2,334 sqft |
| 2022-03-01 | 0 days | 2,454 sqft |
| 2022-04-01 | 0 days | 2,429 sqft |
| 2022-05-01 | 0 days | 2,424 sqft |
| 2022-06-01 | 0 days | 2,408 sqft |
| 2022-07-01 | 0 days | 2,495 sqft |
| 2022-08-01 | 0 days | 2,448 sqft |
| 2022-09-01 | 0 days | 2,480 sqft |
| 2022-10-01 | 0 days | 2,497 sqft |
| 2022-11-01 | 0 days | 2,445 sqft |
| 2022-12-01 | 0 days | 2,444 sqft |
| 2023-01-01 | 0 days | 2,439 sqft |
| 2023-02-01 | 0 days | 2,394 sqft |
| 2023-03-01 | 0 days | 2,419 sqft |
| 2023-04-01 | 0 days | 2,464 sqft |
| 2023-05-01 | 0 days | 2,383 sqft |
| 2023-06-01 | 0 days | 2,364 sqft |
| 2023-07-01 | 0 days | 2,375 sqft |
| 2023-08-01 | 0 days | 2,329 sqft |
| 2023-09-01 | 0 days | 2,283 sqft |
| 2023-10-01 | 0 days | 2,200 sqft |
| 2023-11-01 | 0 days | 2,247 sqft |
| 2023-12-01 | 0 days | 2,266 sqft |
| 2024-01-01 | 0 days | 2,284 sqft |
| 2024-02-01 | 0 days | 2,294 sqft |
| 2024-03-01 | 0 days | 2,350 sqft |
| 2024-04-01 | 0 days | 2,363 sqft |
| 2024-05-01 | 0 days | 2,359 sqft |
| 2024-06-01 | 0 days | 2,375 sqft |
| 2024-07-01 | 0 days | 2,361 sqft |
| 2024-08-01 | 0 days | 2,325 sqft |
| 2024-09-01 | 0 days | 2,309 sqft |
| 2024-10-01 | 0 days | 2,308 sqft |
| 2024-11-01 | 0 days | 2,308 sqft |
| 2024-12-01 | 0 days | 2,287 sqft |
| 2025-01-01 | 0 days | 2,308 sqft |
| 2025-02-01 | 0 days | 2,314 sqft |
| 2025-03-01 | 0 days | 2,325 sqft |
Pinehurst - Southern Pines's median listing age (time on market) for 2025-03-01 was 0 days.
Pinehurst - Southern Pines's median square footage for active listings during the 2025-03-01 period was 2,325 sqft. One year prior, the average listing was 2,350 sqft.
Pinehurst - Southern Pines's median square footage for active listings during the 2025-03-01 period was 2,325 sqft. One year prior, the average listing was 2,350 sqft.
Pinehurst-Southern Pines, NC Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,833 | $727,945,000 | $397,133 |
| Refi | 424 | $255,330,000 | $602,193 |
| Cash Out Refi | 369 | $102,295,000 | $277,222 |
| Other | 334 | $41,420,000 | $124,012 |
| Home Improvement | 272 | $30,210,000 | $111,066 |
Pinehurst - Southern Pines's most frequently cited loan purpose was Home Purchase, with 1,833 originations. The 2nd most popular reason was Refi, with 424 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,226 | $468,440,000 | $382,088 |
| 5-6% | 744 | $339,080,000 | $455,753 |
| 7-8% | 622 | $159,410,000 | $256,286 |
| Over 8% | 486 | $138,380,000 | $284,733 |
| 4-5% | 67 | $25,675,000 | $383,209 |
| 3-4% | 34 | $12,310,000 | $362,059 |
| 2.5-3% | 22 | $6,610,000 | $300,455 |
| <2.5% | 19 | $3,605,000 | $189,737 |
During 2024, Pinehurst - Southern Pines's most frequently originated rate bucket was 6-7%, with 1,226 originations.
Loan Sizing (Pinehurst-Southern Pines, NC MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,197 | $367,605,000 | $307,105 |
| $400k-600k | 693 | $329,135,000 | $474,942 |
| $100k-200k | 570 | $81,720,000 | $143,368 |
| $100,000 or less | 476 | $27,310,000 | $57,374 |
| $600k-1000k | 252 | $182,850,000 | $725,595 |
| $Over $1MM | 44 | $168,580,000 | $3,831,364 |
Pinehurst - Southern Pines's loan sizing saw the bucket of loans from $200k-400k with 1,197 originations, totaling $367,605,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,130 | $483,210,000 | $427,619 |
| 60-80% | 573 | $334,035,000 | $582,958 |
| Under 20% | 431 | $30,595,000 | $70,986 |
| 20-40% | 389 | $58,265,000 | $149,781 |
| Over 100% | 310 | $131,500,000 | $424,194 |
| 40-60% | 299 | $82,475,000 | $275,836 |
Pinehurst - Southern Pines's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,130 originations, totaling $483,210,000 in origination value.