Sanford Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Sanford averaged
7.02%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
6.88% and
one month ago for the week of 2026-10-01, the
average rate was 7.22%.
Sanford's average rate one year ago was 6.11%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.78%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Sanford 30 Year Fixed Rate | 2026-11-05 | 7.02% |
| Sanford 30 Year Fixed Rate Refi | 2026-11-05 | 7.78% |
| Sanford 15 Year Fixed Rate | 2026-11-05 | 6.67% |
| Sanford 15 Year Fixed Rate Refi | 2026-11-05 | 7.07% |
| Sanford 30 Year FHA | 2026-11-05 | 6.32% |
| Sanford 30 Year FHA Refi | 2026-11-05 | 6.73% |
| Sanford 30 Year USDA | 2026-11-05 | 7% |
| Sanford 30 Year USDA Refi | 2026-11-05 | 7.2% |
| Sanford 30 Year VA | 2026-11-05 | 6.62% |
| Sanford 30 Year VA Refi | 2026-11-05 | 6.43% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Sanford, NC.
Sanford 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 Sanford, 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.).
Sanford Average Closing Costs & Other Stats
Sanford, NC's 112 lenders originated 1,786
loans during 2025. The total origination value was $502,950,000, with an average loan value of
$281,607.
Sanford's average closing costs are $5,916.
The top Sanford lender as defined by loan originations is STATE EMPLOYEES', with
72 loans originated. Their average total fees are
$4,319, which is $2,134
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Sanford lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC ($1,669), South Pacific Financial Corporation ($2,436), DHI MORTGAGE COMPANY, LTD. ($2,603), First Bank ($3,947) and STATE EMPLOYEES' ($4,319).
The lowest rate Sanford lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (5.16%), DHI MORTGAGE COMPANY, LTD. (5.45%), South Pacific Financial Corporation (5.60%), STATE EMPLOYEES' (5.90%) and NFM, INC. (6.37%).
Sanford, 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 | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | $54,215,000 | $51,385,000 | -5.2% | 10.2% |
| STATE EMPLOYEES' | $22,750,000 | $35,480,000 | 56.0% | 7.1% |
| Arbor Realty Trust, Inc. | $34,580,000 | n/a | 6.9% | |
| UNITED WHOLESALE MORTGAGE, LLC | $21,825,000 | $30,650,000 | 40.4% | 6.1% |
| QUICKEN LOANS, LLC | $15,645,000 | $22,325,000 | 42.7% | 4.4% |
| Wells Fargo Bank | $2,740,000 | $18,765,000 | 584.9% | 3.7% |
| NVR Mortgage Finance, Inc. | $11,570,000 | $15,235,000 | 31.7% | 3.0% |
| FREEDOM MORTGAGE CORPORATION | $8,835,000 | $12,260,000 | 38.8% | 2.4% |
| GUILD MORTGAGE COMPANY | $13,045,000 | $12,205,000 | -6.4% | 2.4% |
| South Pacific Financial Corporation | $8,790,000 | $11,095,000 | 26.2% | 2.2% |
| NFM, INC. | $4,595,000 | $10,105,000 | 119.9% | 2.0% |
| Mortgage Research Center, LLC | $8,965,000 | $9,890,000 | 10.3% | 2.0% |
| NAVY FEDERAL CREDIT UNION | $8,405,000 | $9,065,000 | 7.9% | 1.8% |
| MOVEMENT MORTGAGE, LLC | $14,365,000 | $8,890,000 | -38.1% | 1.8% |
| First Bank | $4,875,000 | $8,585,000 | 76.1% | 1.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $8,655,000 | $8,095,000 | -6.5% | 1.6% |
| LOANDEPOT.COM, LLC | $2,135,000 | $8,030,000 | 276.1% | 1.6% |
| PENNYMAC LOAN SERVICES, LLC | $7,255,000 | $7,870,000 | 8.5% | 1.6% |
| First National Bank of Pennsylvania | $4,885,000 | $6,645,000 | 36.0% | 1.3% |
| EAGLE HOME MORTGAGE, LLC | $255,000 | $5,900,000 | 2,213.7% | 1.2% |
| Truist | $5,450,000 | $5,880,000 | 7.9% | 1.2% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $7,215,000 | $5,810,000 | -19.5% | 1.2% |
| UNION HOME MORTGAGE CORP. | $3,390,000 | $5,570,000 | 64.3% | 1.1% |
| The Fidelity Bank | $2,450,000 | $5,295,000 | 116.1% | 1.1% |
| Alcova Mortgage LLC | $2,705,000 | $4,370,000 | 61.6% | 0.9% |
| First-Citizens Bank & Trust Company | $5,885,000 | $3,825,000 | -35.0% | 0.8% |
| BROKER SOLUTIONS, INC. | $2,785,000 | $3,715,000 | 33.4% | 0.7% |
| GoPrime Mortgage, Inc. | $2,570,000 | $3,690,000 | 43.6% | 0.7% |
| FBC MORTGAGE, LLC | $6,545,000 | $3,615,000 | -44.8% | 0.7% |
| JPMorgan Chase Bank | $1,625,000 | $3,575,000 | 120.0% | 0.7% |
| PNC Bank | $2,010,000 | $3,450,000 | 71.6% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,125,000 | $3,420,000 | 204.0% | 0.7% |
| American Security Mortgage Corp. | $4,680,000 | $3,190,000 | -31.8% | 0.6% |
| CORNERSTONE HOME LENDING, INC. | $5,895,000 | $3,185,000 | -46.0% | 0.6% |
| COASTAL Federal Credit Union | $3,065,000 | $2,995,000 | -2.3% | 0.6% |
| JET HOMELOANS, LLC | $6,225,000 | $2,975,000 | -52.2% | 0.6% |
| INTERCOASTAL MORTGAGE COMPANY | $1,930,000 | $2,785,000 | 44.3% | 0.6% |
| GUARANTEED RATE, INC. | $715,000 | $2,550,000 | 256.6% | 0.5% |
| Prosperity Home Mortgage, LLC | $2,375,000 | $2,505,000 | 5.5% | 0.5% |
| NEWREZ LLC | $1,760,000 | $2,480,000 | 40.9% | 0.5% |
| Morgan Stanley Private Bank | $445,000 | $2,385,000 | 436.0% | 0.5% |
| USAA Federal Savings Bank | $2,130,000 | $2,370,000 | 11.3% | 0.5% |
| Regions Bank | $45,000 | $2,240,000 | 4,877.8% | 0.4% |
| VILLAGE CAPITAL MORTGAGE | $5,355,000 | $2,150,000 | -59.9% | 0.4% |
| CARDINAL FINANCIAL | $2,450,000 | $1,920,000 | -21.6% | 0.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $3,610,000 | $1,825,000 | -49.4% | 0.4% |
| U.S. Bank | $1,800,000 | $1,800,000 | 0.0% | 0.4% |
| ZILLOW HOME LOANS, LLC | $1,180,000 | $1,685,000 | 42.8% | 0.3% |
| Carrington Mortgage Services, LLC | $1,525,000 | $1,645,000 | 7.9% | 0.3% |
| EQUITY RESOURCES, INC. | $1,455,000 | $1,630,000 | 12.0% | 0.3% |
| The Loan Store, Inc. | $620,000 | $1,555,000 | 150.8% | 0.3% |
| CMG MORTGAGE, INC. | $2,215,000 | $1,435,000 | -35.2% | 0.3% |
| TOWNE MORTGAGE COMPANY | $1,410,000 | n/a | 0.3% | |
| FIRST HOME MORTGAGE CORPORATION | $2,205,000 | $1,385,000 | -37.2% | 0.3% |
| AgCarolina Farm Credit, FLCA | $1,355,000 | n/a | 0.3% | |
| LOANPAL, LLC | $995,000 | $1,295,000 | 30.2% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $540,000 | $1,230,000 | 127.8% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $855,000 | $1,200,000 | 40.4% | 0.2% |
| First National Bank of America | $225,000 | $1,150,000 | 411.1% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $1,140,000 | n/a | 0.2% | |
| AMERISAVE MORTGAGE CORPORATION | $75,000 | $1,110,000 | 1,380.0% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $1,150,000 | $1,080,000 | -6.1% | 0.2% |
| BETTER MORTGAGE CORPORATION | $580,000 | $1,070,000 | 84.5% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $1,060,000 | n/a | 0.2% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $780,000 | $1,060,000 | 35.9% | 0.2% |
| SOUTHERN TRUST MORTGAGE, LLC | $735,000 | $1,050,000 | 42.9% | 0.2% |
| LOCAL GOVERNMENT FEDERAL CREDIT UNION | $1,135,000 | $995,000 | -12.3% | 0.2% |
| Integrity Home Mortgage Corp | $945,000 | n/a | 0.2% | |
| Bank of America | $1,215,000 | $935,000 | -23.0% | 0.2% |
| United Bank | $805,000 | $920,000 | 14.3% | 0.2% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $215,000 | $915,000 | 325.6% | 0.2% |
| TD Bank | $915,000 | n/a | 0.2% | |
| The Federal Savings Bank | $1,145,000 | $915,000 | -20.1% | 0.2% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $900,000 | n/a | 0.2% | |
| Commerce Home Mortgage, Inc. | $885,000 | n/a | 0.2% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,870,000 | $880,000 | -52.9% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $350,000 | $860,000 | 145.7% | 0.2% |
| Armed Forces Bank | $545,000 | $840,000 | 54.1% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $270,000 | $830,000 | 207.4% | 0.2% |
| Towne Bank | $805,000 | $825,000 | 2.5% | 0.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,195,000 | $820,000 | -31.4% | 0.2% |
| AmeriHome Mortgage Company, LLC | $355,000 | $815,000 | 129.6% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $805,000 | n/a | 0.2% | |
| Equity Prime Mortgage LLC | $235,000 | $805,000 | 242.6% | 0.2% |
| OCMBC, INC. | $800,000 | n/a | 0.2% | |
| T2 FINANCIAL LLC | $530,000 | $785,000 | 48.1% | 0.2% |
| Citizens Bank | $260,000 | $775,000 | 198.1% | 0.2% |
| Presidential Bank, FSB | $1,010,000 | $770,000 | -23.8% | 0.2% |
| The Central Trust Bank | $310,000 | $765,000 | 146.8% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $215,000 | $745,000 | 246.5% | 0.1% |
| Northwest Federal Credit Union | $240,000 | $745,000 | 210.4% | 0.1% |
| MICHIGAN MUTUAL, INC. | $715,000 | n/a | 0.1% | |
| Figure Lending LLC | $160,000 | $690,000 | 331.3% | 0.1% |
| Cornerstone First Mortgage, Inc | $665,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $1,300,000 | $665,000 | -48.8% | 0.1% |
| Raymond James Bank | $655,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $650,000 | n/a | 0.1% | |
| JAMS-01, INC. | $630,000 | n/a | 0.1% | |
| SeaTrust Mortgage Company | $185,000 | $625,000 | 237.8% | 0.1% |
| 21ST MORTGAGE CORPORATION | $170,000 | $620,000 | 264.7% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $225,000 | $620,000 | 175.6% | 0.1% |
| UNIVERSITY Federal Credit Union | $610,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $600,000 | n/a | 0.1% | |
| RELIANCE FIRST CAPITAL, LLC | $505,000 | $585,000 | 15.8% | 0.1% |
| Towne Mortgage of the Carolinas, LLC | $985,000 | $585,000 | -40.6% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $355,000 | $580,000 | 63.4% | 0.1% |
| Atlantic Coast Mortgage, LLC | $565,000 | n/a | 0.1% | |
| United Community Bank | $1,520,000 | $565,000 | -62.8% | 0.1% |
| Loan Simple, Inc. | $560,000 | n/a | 0.1% | |
| CLEARPATH LENDING | $555,000 | n/a | 0.1% | |
| AgFirst Farm Credit Bank | $345,000 | $540,000 | 56.5% | 0.1% |
| Ameris Bank | $225,000 | $540,000 | 140.0% | 0.1% |
| MILEND, INC. | $340,000 | $540,000 | 58.8% | 0.1% |
| Kwik Mortgage Corporation | $485,000 | n/a | 0.1% | |
| Meridian Bank Corporation | $1,105,000 | $455,000 | -58.8% | 0.1% |
| TIDEWATER MORTGAGE SERVICES, INC. | $435,000 | n/a | 0.1% | |
| First Horizon Bank | $300,000 | $430,000 | 43.3% | 0.1% |
| PLANET HOME LENDING, LLC | $410,000 | $420,000 | 2.4% | 0.1% |
| DELMAR FINANCIAL COMPANY | $945,000 | $415,000 | -56.1% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $410,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $405,000 | n/a | 0.1% | |
| CANOPY MORTGAGE, LLC | $395,000 | n/a | 0.1% | |
| Credence Funding Corporation | $395,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $1,735,000 | $395,000 | -77.2% | 0.1% |
| Fifth Third Bank | $600,000 | $390,000 | -35.0% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $365,000 | n/a | 0.1% | |
| MASON MCDUFFIE MORTGAGE CORPORATION | $355,000 | n/a | 0.1% | |
| Discover Bank | $1,035,000 | $350,000 | -66.2% | 0.1% |
| RF Renovo Management Company, LLC | $840,000 | $350,000 | -58.3% | 0.1% |
| COMMUNITYAMERICA | $345,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $665,000 | $345,000 | -48.1% | 0.1% |
| Summit Mortgage Corporation | $345,000 | n/a | 0.1% | |
| INTERNATIONAL CITY MORTGAGE, INC. | $340,000 | n/a | 0.1% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $545,000 | $335,000 | -38.5% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $185,000 | $335,000 | 81.1% | 0.1% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $335,000 | n/a | 0.1% | |
| Gateway First Bank | $335,000 | n/a | 0.1% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $325,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $325,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $735,000 | $315,000 | -57.1% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $315,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $105,000 | $315,000 | 200.0% | 0.1% |
| Encompass Lending Group, LP | $305,000 | $305,000 | 0.0% | 0.1% |
| DEVELOPER'S MORTGAGE COMPANY | $295,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $295,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $195,000 | $280,000 | 43.6% | 0.1% |
| TOWER | $155,000 | $280,000 | 80.6% | 0.1% |
| AMWEST FUNDING CORP. | $225,000 | $275,000 | 22.2% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $455,000 | $275,000 | -39.6% | 0.1% |
| Leader Bank | $275,000 | n/a | 0.1% | |
| Victorian Finance, LLC | $265,000 | n/a | 0.1% | |
| AMERITRUST MORTGAGE CORPORATION | $255,000 | n/a | 0.1% | |
| Deere Employees Credit Union | $255,000 | n/a | 0.1% | |
| General Mortgage Capital Corporation | $255,000 | n/a | 0.1% | |
| Performance Financial, Inc. | $255,000 | n/a | 0.1% | |
| PUBLIX EMPLOYEES | $255,000 | n/a | 0.1% | |
| CAPITAL CENTER, L.L.C. | $235,000 | n/a | 0.0% | |
| FIRST STATE MORTGAGE SERVICES, LLC | $235,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $225,000 | n/a | 0.0% | |
| Keystone Funding, Inc. | $235,000 | $225,000 | -4.3% | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $225,000 | n/a | 0.0% | |
| SWBC MORTGAGE CORPORATION | $225,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $345,000 | $215,000 | -37.7% | 0.0% |
| EVERETT FINANCIAL, INC. | $255,000 | $205,000 | -19.6% | 0.0% |
| OceanFirst Bank | $205,000 | n/a | 0.0% | |
| SELF-HELP Credit Union | $725,000 | $205,000 | -71.7% | 0.0% |
| LATINO COMMUNITY CREDIT UNION | $540,000 | $185,000 | -65.7% | 0.0% |
| CORNING | $310,000 | $175,000 | -43.5% | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | $175,000 | $175,000 | 0.0% | 0.0% |
| PHH Mortgage Corporation | $175,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $170,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $105,000 | $165,000 | 57.1% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $165,000 | n/a | 0.0% | |
| EMM LOANS LLC | $375,000 | $165,000 | -56.0% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $155,000 | n/a | 0.0% | |
| CityWorth Mortgage LLC | $195,000 | $145,000 | -25.6% | 0.0% |
| North State Bank | $730,000 | $145,000 | -80.1% | 0.0% |
| NEXERA HOLDING LLC | $135,000 | n/a | 0.0% | |
| SHARONVIEW FEDERAL CREDIT UNION | $135,000 | n/a | 0.0% | |
| Truliant Federal Credit Union | $365,000 | $120,000 | -67.1% | 0.0% |
| AMERICAN FINANCING CORPORATION | $215,000 | $115,000 | -46.5% | 0.0% |
| RESOURCE FINANCIAL SERVICES, INC. | $115,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $115,000 | n/a | 0.0% | |
| Flagstar Bank, FSB | $1,245,000 | $105,000 | -91.6% | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | $55,000 | $95,000 | 72.7% | 0.0% |
| LANGLEY | $35,000 | $85,000 | 142.9% | 0.0% |
| Southern First Bank | $85,000 | n/a | 0.0% | |
| CAROLINAS TELCO FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $150,000 | $55,000 | -63.3% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $55,000 | $25,000 | -54.5% | 0.0% |
| The Huntington National Bank | $25,000 | n/a | 0.0% |
Sanford's top lender by overall market share is DHI MORTGAGE COMPANY, LTD., with 10.2% market share. In second place, with 7.1%, is STATE EMPLOYEES', having originated $35,480,000 in loans. In third place, with 6.9%, is Arbor Realty Trust, Inc., having originated $34,580,000 in loans. In fourth place, with 6.1%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $30,650,000 in loans. In fifth place, with 4.4%, is QUICKEN LOANS, LLC, having originated $22,325,000 in loans.
Sanford Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Sanford (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 | $213,400 (12.1%) | $228,987 (4.4%) | 0.00 | 212 |
| 2018-02-01 | $209,700 (7.5%) | $226,430 (0.3%) | 0.00 | 198 |
| 2018-03-01 | $214,823 (7.6%) | $233,130 (0.9%) | 0.00 | 195 |
| 2018-04-01 | $214,292 (2.1%) | $233,739 (2.1%) | 0.00 | 187 |
| 2018-05-01 | $219,450 (4.0%) | $234,783 (-2.2%) | 0.00 | 173 |
| 2018-06-01 | $216,900 (3.3%) | $235,548 (-0.6%) | 0.00 | 165 |
| 2018-07-01 | $221,950 (5.7%) | $238,209 (-1.1%) | 0.00 | 176 |
| 2018-08-01 | $226,550 (13.3%) | $242,001 (9.0%) | 0.00 | 169 |
| 2018-09-01 | $224,950 (12.5%) | $230,157 (6.3%) | 0.00 | 171 |
| 2018-10-01 | $225,000 (13.9%) | $235,143 (10.1%) | 0.00 | 180 |
| 2018-11-01 | $225,950 (12.0%) | $236,930 (8.2%) | 0.00 | 180 |
| 2018-12-01 | $225,000 (9.0%) | $232,970 (5.8%) | 0.00 | 187 |
| 2019-01-01 | $225,000 (5.4%) | $238,466 (4.1%) | 0.00 | 180 |
| 2019-02-01 | $225,375 (7.5%) | $247,965 (9.5%) | 0.00 | 177 |
| 2019-03-01 | $226,071 (5.2%) | $256,654 (10.1%) | 0.00 | 178 |
| 2019-04-01 | $227,321 (6.1%) | $265,278 (13.5%) | 0.00 | 185 |
| 2019-05-01 | $226,250 (3.1%) | $268,730 (14.5%) | 0.00 | 189 |
| 2019-06-01 | $234,900 (8.3%) | $277,664 (17.9%) | 0.00 | 178 |
| 2019-07-01 | $237,063 (6.8%) | $277,701 (16.6%) | 0.00 | 181 |
| 2019-08-01 | $239,900 (5.9%) | $280,297 (15.8%) | 0.00 | 179 |
| 2019-09-01 | $239,900 (6.7%) | $280,115 (21.7%) | 0.00 | 186 |
| 2019-10-01 | $239,450 (6.4%) | $278,603 (18.5%) | 0.00 | 188 |
| 2019-11-01 | $235,000 (4.0%) | $281,262 (18.7%) | 0.00 | 178 |
| 2019-12-01 | $228,850 (1.7%) | $277,683 (19.2%) | 0.00 | 166 |
| 2020-01-01 | $224,250 (-0.3%) | $267,883 (12.3%) | 0.00 | 165 |
| 2020-02-01 | $229,200 (1.7%) | $280,719 (13.2%) | 0.00 | 138 |
| 2020-03-01 | $244,925 (8.3%) | $288,098 (12.3%) | 0.00 | 134 |
| 2020-04-01 | $245,975 (8.2%) | $292,274 (10.2%) | 0.00 | 134 |
| 2020-05-01 | $236,000 (4.3%) | $285,270 (6.2%) | 0.00 | 124 |
| 2020-06-01 | $266,550 (13.5%) | $306,978 (10.6%) | 0.00 | 91 |
| 2020-07-01 | $257,900 (8.8%) | $298,283 (7.4%) | 0.00 | 76 |
| 2020-08-01 | $249,450 (4.0%) | $298,772 (6.6%) | 0.00 | 78 |
| 2020-09-01 | $270,637 (12.8%) | $312,178 (11.5%) | 0.00 | 81 |
| 2020-10-01 | $259,000 (8.2%) | $316,642 (13.7%) | 0.00 | 67 |
| 2020-11-01 | $251,300 (6.9%) | $316,725 (12.6%) | 0.00 | 68 |
| 2020-12-01 | $260,000 (13.6%) | $327,462 (17.9%) | 0.00 | 61 |
| 2021-01-01 | $259,000 (15.5%) | $322,398 (20.4%) | 0.00 | 58 |
| 2021-02-01 | $276,946 (20.8%) | $319,508 (13.8%) | 0.00 | 61 |
| 2021-03-01 | $269,925 (10.2%) | $281,918 (-2.2%) | 0.00 | 53 |
| 2021-04-01 | $285,210 (16.0%) | $306,484 (4.9%) | 0.00 | 50 |
| 2021-05-01 | $275,000 (16.5%) | $349,718 (22.6%) | 0.00 | 47 |
| 2021-06-01 | $315,190 (18.3%) | $391,097 (27.4%) | 0.00 | 47 |
| 2021-07-01 | $332,400 (28.9%) | $386,684 (29.6%) | 0.00 | 59 |
| 2021-08-01 | $328,640 (31.8%) | $377,005 (26.2%) | 0.00 | 83 |
| 2021-09-01 | $324,950 (20.1%) | $367,163 (17.6%) | 0.00 | 83 |
| 2021-10-01 | $299,750 (15.7%) | $383,360 (21.1%) | 0.00 | 77 |
| 2021-11-01 | $337,400 (34.3%) | $385,684 (21.8%) | 0.00 | 65 |
| 2021-12-01 | $347,996 (33.8%) | $418,728 (27.9%) | 0.00 | 52 |
| 2022-01-01 | $339,900 (31.2%) | $412,850 (28.1%) | 0.00 | 38 |
| 2022-02-01 | $325,725 (17.6%) | $382,424 (19.7%) | 0.00 | 37 |
| 2022-03-01 | $328,675 (21.8%) | $413,325 (46.6%) | 0.00 | 31 |
| 2022-04-01 | $357,225 (25.3%) | $473,170 (54.4%) | 0.00 | 36 |
| 2022-05-01 | $356,975 (29.8%) | $456,815 (30.6%) | 0.00 | 39 |
| 2022-06-01 | $368,250 (16.8%) | $420,302 (7.5%) | 0.00 | 62 |
| 2022-07-01 | $350,000 (5.3%) | $391,357 (1.2%) | 0.00 | 74 |
| 2022-08-01 | $358,950 (9.2%) | $391,281 (3.8%) | 0.00 | 66 |
| 2022-09-01 | $374,500 (15.3%) | $410,232 (11.7%) | 0.00 | 64 |
| 2022-10-01 | $369,900 (23.4%) | $419,584 (9.5%) | 0.00 | 81 |
| 2022-11-01 | $376,729 (11.7%) | $421,680 (9.3%) | 0.00 | 85 |
| 2022-12-01 | $394,000 (13.2%) | $434,198 (3.7%) | 0.00 | 85 |
| 2023-01-01 | $382,375 (12.5%) | $408,875 (-1.0%) | 0.00 | 86 |
| 2023-02-01 | $373,500 (14.7%) | $412,067 (7.8%) | 0.00 | 88 |
| 2023-03-01 | $374,998 (14.1%) | $411,920 (-0.3%) | 0.00 | 103 |
| 2023-04-01 | $380,000 (6.4%) | $397,285 (-16.0%) | 0.00 | 109 |
| 2023-05-01 | $377,501 (5.8%) | $405,301 (-11.3%) | 0.00 | 124 |
| 2023-06-01 | $383,240 (4.1%) | $419,880 (-0.1%) | 0.00 | 144 |
| 2023-07-01 | $374,990 (7.1%) | $406,603 (3.9%) | 0.00 | 150 |
| 2023-08-01 | $360,458 (0.4%) | $391,883 (0.2%) | 0.00 | 160 |
| 2023-09-01 | $358,500 (-4.3%) | $400,292 (-2.4%) | 0.00 | 164 |
| 2023-10-01 | $362,858 (-1.9%) | $407,792 (-2.8%) | 0.00 | 180 |
| 2023-11-01 | $357,995 (-5.0%) | $407,616 (-3.3%) | 0.00 | 183 |
| 2023-12-01 | $359,950 (-8.6%) | $414,645 (-4.5%) | 0.00 | 181 |
| 2024-01-01 | $367,845 (-3.8%) | $423,772 (3.6%) | 0.00 | 176 |
| 2024-02-01 | $360,918 (-3.4%) | $414,944 (0.7%) | 0.00 | 180 |
| 2024-03-01 | $362,175 (-3.4%) | $415,932 (1.0%) | 0.00 | 168 |
| 2024-04-01 | $362,375 (-4.6%) | $397,533 (0.1%) | 0.00 | 178 |
| 2024-05-01 | $357,400 (-5.3%) | $403,718 (-0.4%) | 0.00 | 198 |
| 2024-06-01 | $365,000 (-4.8%) | $405,999 (-3.3%) | 0.00 | 213 |
| 2024-07-01 | $372,500 (-0.7%) | $412,713 (1.5%) | 0.00 | 204 |
| 2024-08-01 | $374,950 (4.0%) | $414,315 (5.7%) | 0.00 | 209 |
| 2024-09-01 | $364,578 (1.7%) | $404,080 (1.0%) | 0.00 | 207 |
| 2024-10-01 | $365,159 (0.6%) | $403,272 (-1.1%) | 0.00 | 221 |
| 2024-11-01 | $364,948 (1.9%) | $397,777 (-2.4%) | 0.00 | 242 |
| 2024-12-01 | $359,225 (-0.2%) | $390,367 (-5.9%) | 0.00 | 237 |
| 2025-01-01 | $357,150 (-2.9%) | $387,877 (-8.5%) | 0.00 | 231 |
| 2025-02-01 | $358,100 (-0.8%) | $387,776 (-6.6%) | 0.00 | 212 |
| 2025-03-01 | $359,900 (-0.6%) | $392,265 (-5.7%) | 0.00 | 206 |
| 2025-04-01 | $354,518 (-2.2%) | $379,717 (-4.5%) | 0.00 | 211 |
| 2025-05-01 | $356,100 (-0.4%) | $377,778 (-6.4%) | 0.00 | 228 |
| 2025-06-01 | $361,650 (-0.9%) | $387,425 (-4.6%) | 0.00 | 220 |
| 2025-07-01 | $363,106 (-2.5%) | $395,918 (-4.1%) | 0.00 | 230 |
| 2025-08-01 | $374,900 (0.0%) | $402,243 (-2.9%) | 0.00 | 229 |
| 2025-09-01 | $358,631 (-1.6%) | $393,663 (-2.6%) | 0.00 | 226 |
| 2025-10-01 | $361,374 (-1.0%) | $391,515 (-2.9%) | 0.00 | 228 |
| 2025-11-01 | $349,491 (-4.2%) | $379,069 (-4.7%) | 0.00 | 265 |
| 2025-12-01 | $346,893 (-3.4%) | $374,122 (-4.2%) | 0.00 | 211 |
| 2026-01-01 | $349,900 (-2.0%) | $381,250 (-1.7%) | 0.00 | 201 |
| 2026-02-01 | $359,598 (0.4%) | $392,050 (1.1%) | 0.00 | 210 |
| 2026-03-01 | $361,248 (0.4%) | $402,581 (2.6%) | 0.00 | 228 |
| 2026-04-01 | $369,000 (4.1%) | $408,079 (7.5%) | 0.00 | 235 |
| 2026-05-01 | $374,900 (5.3%) | $432,124 (14.4%) | 0.00 | 255 |
| 2026-06-01 | $364,845 (0.9%) | $424,536 (9.6%) | 0.00 | 263 |
| 2026-07-01 | $357,495 (-1.6%) | $418,992 (5.8%) | 0.00 | 292 |
| 2026-08-01 | $349,900 (-6.7%) | $410,188 (2.0%) | 0.00 | 299 |
| 2026-09-01 | $353,125 (-1.5%) | $400,652 (1.8%) | 0.00 | 319 |
| 2026-10-01 | $347,745 (-3.8%) | $398,696 (1.8%) | 0.00 | 331 |
Sanford's median listing price for 2026-10-01 was $347,745, a difference of
$-13,629
(-3.8%) versus the prior year and
$-5,380 versus the prior month.
Sanford's median listing price comes in at 0% of the national average.
Sanford's average listing price for 2026-10-01 was $398,696, a difference of $7,181 (1.8%) versus the prior year and $-1,956 versus the prior month.
For the 2026-10-01 period, Sanford had 331 MLS listings, a difference of 12 listings (4%) versus the prior month and 103 listings (45%) versus the prior year.
Sanford's median listing price comes in at 0% of the national average.
Sanford's average listing price for 2026-10-01 was $398,696, a difference of $7,181 (1.8%) versus the prior year and $-1,956 versus the prior month.
For the 2026-10-01 period, Sanford had 331 MLS listings, a difference of 12 listings (4%) versus the prior month and 103 listings (45%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Sanford (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,286 sqft |
| 2018-02-01 | 0 days | 2,173 sqft |
| 2018-03-01 | 0 days | 2,100 sqft |
| 2018-04-01 | 0 days | 2,100 sqft |
| 2018-05-01 | 0 days | 2,189 sqft |
| 2018-06-01 | 0 days | 2,104 sqft |
| 2018-07-01 | 0 days | 2,281 sqft |
| 2018-08-01 | 0 days | 2,289 sqft |
| 2018-09-01 | 0 days | 2,100 sqft |
| 2018-10-01 | 0 days | 2,100 sqft |
| 2018-11-01 | 0 days | 2,100 sqft |
| 2018-12-01 | 0 days | 2,100 sqft |
| 2019-01-01 | 0 days | 2,111 sqft |
| 2019-02-01 | 0 days | 2,157 sqft |
| 2019-03-01 | 0 days | 2,159 sqft |
| 2019-04-01 | 0 days | 2,159 sqft |
| 2019-05-01 | 0 days | 2,173 sqft |
| 2019-06-01 | 0 days | 2,256 sqft |
| 2019-07-01 | 0 days | 2,179 sqft |
| 2019-08-01 | 0 days | 2,158 sqft |
| 2019-09-01 | 0 days | 2,126 sqft |
| 2019-10-01 | 0 days | 2,100 sqft |
| 2019-11-01 | 0 days | 2,100 sqft |
| 2019-12-01 | 0 days | 2,100 sqft |
| 2020-01-01 | 0 days | 2,093 sqft |
| 2020-02-01 | 0 days | 2,100 sqft |
| 2020-03-01 | 0 days | 2,144 sqft |
| 2020-04-01 | 0 days | 2,207 sqft |
| 2020-05-01 | 0 days | 2,141 sqft |
| 2020-06-01 | 0 days | 2,304 sqft |
| 2020-07-01 | 0 days | 2,322 sqft |
| 2020-08-01 | 0 days | 2,300 sqft |
| 2020-09-01 | 0 days | 2,329 sqft |
| 2020-10-01 | 0 days | 2,300 sqft |
| 2020-11-01 | 0 days | 2,297 sqft |
| 2020-12-01 | 0 days | 2,336 sqft |
| 2021-01-01 | 0 days | 2,300 sqft |
| 2021-02-01 | 0 days | 2,296 sqft |
| 2021-03-01 | 0 days | 2,100 sqft |
| 2021-04-01 | 0 days | 2,216 sqft |
| 2021-05-01 | 0 days | 1,950 sqft |
| 2021-06-01 | 0 days | 2,171 sqft |
| 2021-07-01 | 0 days | 2,300 sqft |
| 2021-08-01 | 0 days | 2,246 sqft |
| 2021-09-01 | 0 days | 2,195 sqft |
| 2021-10-01 | 0 days | 2,240 sqft |
| 2021-11-01 | 0 days | 2,316 sqft |
| 2021-12-01 | 0 days | 2,298 sqft |
| 2022-01-01 | 0 days | 2,301 sqft |
| 2022-02-01 | 0 days | 1,976 sqft |
| 2022-03-01 | 0 days | 2,089 sqft |
| 2022-04-01 | 0 days | 2,300 sqft |
| 2022-05-01 | 0 days | 2,160 sqft |
| 2022-06-01 | 0 days | 2,344 sqft |
| 2022-07-01 | 0 days | 2,189 sqft |
| 2022-08-01 | 0 days | 2,271 sqft |
| 2022-09-01 | 0 days | 2,256 sqft |
| 2022-10-01 | 0 days | 2,151 sqft |
| 2022-11-01 | 0 days | 2,158 sqft |
| 2022-12-01 | 0 days | 2,243 sqft |
| 2023-01-01 | 0 days | 2,104 sqft |
| 2023-02-01 | 0 days | 2,085 sqft |
| 2023-03-01 | 0 days | 2,039 sqft |
| 2023-04-01 | 0 days | 2,130 sqft |
| 2023-05-01 | 0 days | 2,134 sqft |
| 2023-06-01 | 0 days | 2,155 sqft |
| 2023-07-01 | 0 days | 2,083 sqft |
| 2023-08-01 | 0 days | 2,064 sqft |
| 2023-09-01 | 0 days | 2,078 sqft |
| 2023-10-01 | 0 days | 2,090 sqft |
| 2023-11-01 | 0 days | 2,059 sqft |
| 2023-12-01 | 0 days | 2,053 sqft |
| 2024-01-01 | 0 days | 2,102 sqft |
| 2024-02-01 | 0 days | 2,032 sqft |
| 2024-03-01 | 0 days | 2,057 sqft |
| 2024-04-01 | 0 days | 2,103 sqft |
| 2024-05-01 | 0 days | 2,086 sqft |
| 2024-06-01 | 0 days | 2,115 sqft |
| 2024-07-01 | 0 days | 2,126 sqft |
| 2024-08-01 | 0 days | 2,129 sqft |
| 2024-09-01 | 0 days | 2,070 sqft |
| 2024-10-01 | 0 days | 2,043 sqft |
| 2024-11-01 | 0 days | 2,005 sqft |
| 2024-12-01 | 0 days | 1,991 sqft |
| 2025-01-01 | 0 days | 1,978 sqft |
| 2025-02-01 | 0 days | 1,991 sqft |
| 2025-03-01 | 0 days | 1,991 sqft |
| 2025-04-01 | 0 days | 2,021 sqft |
| 2025-05-01 | 0 days | 1,997 sqft |
| 2025-06-01 | 0 days | 2,077 sqft |
| 2025-07-01 | 0 days | 2,149 sqft |
| 2025-08-01 | 0 days | 2,172 sqft |
| 2025-09-01 | 0 days | 2,105 sqft |
| 2025-10-01 | 0 days | 2,111 sqft |
| 2025-11-01 | 0 days | 1,991 sqft |
| 2025-12-01 | 0 days | 2,019 sqft |
| 2026-01-01 | 0 days | 1,989 sqft |
| 2026-02-01 | 0 days | 2,078 sqft |
| 2026-03-01 | 0 days | 2,105 sqft |
| 2026-04-01 | 0 days | 2,186 sqft |
| 2026-05-01 | 0 days | 2,203 sqft |
| 2026-06-01 | 0 days | 2,146 sqft |
| 2026-07-01 | 0 days | 2,130 sqft |
| 2026-08-01 | 0 days | 2,049 sqft |
| 2026-09-01 | 0 days | 2,070 sqft |
| 2026-10-01 | 0 days | 2,080 sqft |
Sanford's median listing age (time on market) for 2026-10-01 was 0 days.
Sanford's median square footage for active listings during the 2026-10-01 period was 2,080 sqft. One year prior, the average listing was 2,111 sqft.
Sanford's median square footage for active listings during the 2026-10-01 period was 2,080 sqft. One year prior, the average listing was 2,111 sqft.
Sanford, NC Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,062 | $355,170,000 | $334,435 |
| Refi | 246 | $63,550,000 | $258,333 |
| Cash Out Refi | 222 | $59,280,000 | $267,027 |
| Other | 132 | $13,010,000 | $98,561 |
| Home Improvement | 124 | $11,940,000 | $96,290 |
Sanford's most frequently cited loan purpose was Home Purchase, with 1,062 originations. The 2nd most popular reason was Refi, with 246 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 793 | $202,615,000 | $255,504 |
| 5-6% | 494 | $195,240,000 | $395,223 |
| 7-8% | 178 | $38,320,000 | $215,281 |
| Over 8% | 155 | $17,075,000 | $110,161 |
| 4-5% | 112 | $37,820,000 | $337,679 |
| 3-4% | 35 | $10,585,000 | $302,429 |
| <2.5% | 15 | $955,000 | $63,667 |
| 2.5-3% | 2 | $320,000 | $160,000 |
During 2025, Sanford's most frequently originated rate bucket was 6-7%, with 793 originations.
Loan Sizing (Sanford, NC MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 959 | $276,885,000 | $288,723 |
| $100k-200k | 351 | $53,285,000 | $151,809 |
| $100,000 or less | 269 | $15,985,000 | $59,424 |
| $400k-600k | 175 | $81,785,000 | $467,343 |
| $600k-1000k | 24 | $17,270,000 | $719,583 |
| $Over $1MM | 8 | $57,740,000 | $7,217,500 |
Sanford's loan sizing saw the bucket of loans from $200k-400k with 959 originations, totaling $276,885,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 789 | $252,145,000 | $319,575 |
| 60-80% | 374 | $151,530,000 | $405,160 |
| 20-40% | 192 | $21,380,000 | $111,354 |
| Under 20% | 166 | $8,990,000 | $54,157 |
| 40-60% | 153 | $28,575,000 | $186,765 |
| Over 100% | 74 | $27,220,000 | $367,838 |
Sanford's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 789 originations, totaling $252,145,000 in origination value.