Shelby Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Shelby averaged
6.97%
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
7.23% and
one month ago for the week of 2026-10-01, the
average rate was 7.27%.
Shelby's average rate one year ago was 6.26%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.77%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Shelby 30 Year Fixed Rate | 2026-11-05 | 6.97% |
| Shelby 30 Year Fixed Rate Refi | 2026-11-05 | 7.77% |
| Shelby 15 Year Fixed Rate | 2026-11-05 | 6.67% |
| Shelby 15 Year Fixed Rate Refi | 2026-11-05 | 7.17% |
| Shelby 30 Year FHA | 2026-11-05 | 6.99% |
| Shelby 30 Year FHA Refi | 2026-11-05 | 6.93% |
| Shelby 30 Year USDA | 2026-11-05 | 6.9% |
| Shelby 30 Year USDA Refi | 2026-11-05 | 7.1% |
| Shelby 30 Year VA | 2026-11-05 | 6.86% |
| Shelby 30 Year VA Refi | 2026-11-05 | 6.76% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Shelby, NC.
Shelby 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 Shelby, 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.).
Shelby Average Closing Costs & Other Stats
Shelby, NC's 114 lenders originated 2,373
loans during 2025. The total origination value was $479,645,000, with an average loan value of
$202,126.
Shelby's average closing costs are $5,547.
The top Shelby lender as defined by loan originations is STATE EMPLOYEES', with
135 loans originated. Their average total fees are
$4,464, which is $1,511
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Shelby lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($350), Truliant Federal Credit Union ($3,986), HomeTrust Bank ($4,072), Truist ($4,226) and STATE EMPLOYEES' ($4,464).
The lowest rate Shelby lenders (with over 10 loans originated) are
STATE EMPLOYEES' (5.91%), DHI MORTGAGE COMPANY, LTD. (6.03%), HomeTrust Bank (6.27%), LOANDEPOT.COM, LLC (6.49%) and ATLANTIC BAY MORTGAGE GROUP, L.L.C. (6.52%).
Shelby, 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 |
|---|---|---|---|---|
| STATE EMPLOYEES' | $47,420,000 | $52,650,000 | 11.0% | 11.0% |
| QUICKEN LOANS, LLC | $27,820,000 | $32,885,000 | 18.2% | 6.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $22,195,000 | $26,680,000 | 20.2% | 5.6% |
| GUARANTEED RATE, INC. | $7,175,000 | $16,560,000 | 130.8% | 3.5% |
| DHI MORTGAGE COMPANY, LTD. | $3,105,000 | $14,805,000 | 376.8% | 3.1% |
| Truliant Federal Credit Union | $11,835,000 | $13,145,000 | 11.1% | 2.7% |
| MOVEMENT MORTGAGE, LLC | $14,935,000 | $12,470,000 | -16.5% | 2.6% |
| LOANDEPOT.COM, LLC | $15,150,000 | $12,355,000 | -18.4% | 2.6% |
| Truist | $10,710,000 | $11,755,000 | 9.8% | 2.5% |
| HomeTrust Bank | $5,510,000 | $11,515,000 | 109.0% | 2.4% |
| The Fidelity Bank | $7,440,000 | $10,490,000 | 41.0% | 2.2% |
| United Bank | $1,990,000 | $9,335,000 | 369.1% | 1.9% |
| Bank OZK | $3,605,000 | $8,735,000 | 142.3% | 1.8% |
| PENNYMAC LOAN SERVICES, LLC | $3,145,000 | $8,435,000 | 168.2% | 1.8% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $8,495,000 | $8,220,000 | -3.2% | 1.7% |
| GUILD MORTGAGE COMPANY | $3,915,000 | $7,910,000 | 102.0% | 1.6% |
| Mortgage Research Center, LLC | $10,225,000 | $7,275,000 | -28.9% | 1.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $6,110,000 | n/a | 1.3% | |
| FREEDOM MORTGAGE CORPORATION | $5,265,000 | $5,815,000 | 10.4% | 1.2% |
| NAVY FEDERAL CREDIT UNION | $1,860,000 | $5,815,000 | 212.6% | 1.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $6,385,000 | $5,680,000 | -11.0% | 1.2% |
| SHARONVIEW FEDERAL CREDIT UNION | $3,740,000 | $5,605,000 | 49.9% | 1.2% |
| Atlantic Union Bank | $5,020,000 | n/a | 1.0% | |
| CROSSCOUNTRY MORTGAGE, LLC | $5,030,000 | $4,950,000 | -1.6% | 1.0% |
| BROKER SOLUTIONS, INC. | $2,315,000 | $4,765,000 | 105.8% | 1.0% |
| Ixonia Bank | $660,000 | $4,600,000 | 597.0% | 1.0% |
| Fifth Third Bank | $2,935,000 | $4,370,000 | 48.9% | 0.9% |
| UNION HOME MORTGAGE CORP. | $9,790,000 | $4,360,000 | -55.5% | 0.9% |
| American Security Mortgage Corp. | $2,745,000 | $4,020,000 | 46.4% | 0.8% |
| Plains Commerce Bank | $1,700,000 | $4,010,000 | 135.9% | 0.8% |
| AMERICAN FINANCIAL RESOURCES, INC. | $5,030,000 | $3,835,000 | -23.8% | 0.8% |
| South State Bank | $2,285,000 | $3,315,000 | 45.1% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $725,000 | $2,985,000 | 311.7% | 0.6% |
| TOWNE MORTGAGE COMPANY | $2,695,000 | n/a | 0.6% | |
| Wells Fargo Bank | $1,130,000 | $2,610,000 | 131.0% | 0.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $7,360,000 | $2,575,000 | -65.0% | 0.5% |
| Equity Prime Mortgage LLC | $785,000 | $2,475,000 | 215.3% | 0.5% |
| ZILLOW HOME LOANS, LLC | $2,035,000 | $2,415,000 | 18.7% | 0.5% |
| First Federal Bank | $665,000 | $2,315,000 | 248.1% | 0.5% |
| Century Mortgage Company DBA Century Lending Company | $845,000 | $2,130,000 | 152.1% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $330,000 | $2,130,000 | 545.5% | 0.4% |
| RELIANCE FIRST CAPITAL, LLC | $1,900,000 | $2,090,000 | 10.0% | 0.4% |
| C & F Mortgage Corporation | $1,135,000 | $2,085,000 | 83.7% | 0.4% |
| Bank of America | $2,410,000 | $2,075,000 | -13.9% | 0.4% |
| CHARLOTTE METRO FEDERAL CREDIT UNION | $2,130,000 | $2,070,000 | -2.8% | 0.4% |
| MID AMERICA MORTGAGE, INC. | $2,795,000 | $2,030,000 | -27.4% | 0.4% |
| Alcova Mortgage LLC | $2,250,000 | $1,780,000 | -20.9% | 0.4% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $330,000 | $1,780,000 | 439.4% | 0.4% |
| NEWREZ LLC | $1,955,000 | $1,765,000 | -9.7% | 0.4% |
| AMERISAVE MORTGAGE CORPORATION | $1,525,000 | $1,755,000 | 15.1% | 0.4% |
| CMG MORTGAGE, INC. | $2,260,000 | $1,735,000 | -23.2% | 0.4% |
| The Loan Store, Inc. | $1,055,000 | $1,710,000 | 62.1% | 0.4% |
| Pinnacle Bank | $195,000 | $1,675,000 | 759.0% | 0.3% |
| Commercial Bank | $1,660,000 | n/a | 0.3% | |
| LENDINGHOME FUNDING CORPORATION | $1,795,000 | $1,610,000 | -10.3% | 0.3% |
| SOUTHWEST STAGE FUNDING, LLC | $950,000 | $1,600,000 | 68.4% | 0.3% |
| Carrington Mortgage Services, LLC | $955,000 | $1,590,000 | 66.5% | 0.3% |
| CLEARPATH LENDING | $1,180,000 | $1,525,000 | 29.2% | 0.3% |
| NEW DAY FINANCIAL, LLC | $2,000,000 | $1,515,000 | -24.3% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $400,000 | $1,490,000 | 272.5% | 0.3% |
| HOMESIDE FINANCIAL, LLC | $315,000 | $1,460,000 | 363.5% | 0.3% |
| U.S. Bank | $1,760,000 | $1,400,000 | -20.5% | 0.3% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $1,380,000 | n/a | 0.3% | |
| DEEPHAVEN MORTGAGE LLC | $330,000 | $1,320,000 | 300.0% | 0.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $575,000 | $1,320,000 | 129.6% | 0.3% |
| Ameris Bank | $620,000 | $1,290,000 | 108.1% | 0.3% |
| FIRST COMMUNITY MORTGAGE, INC. | $745,000 | $1,215,000 | 63.1% | 0.3% |
| TD Bank | $1,205,000 | n/a | 0.3% | |
| Atlantic Coast Mortgage, LLC | $660,000 | $1,150,000 | 74.2% | 0.2% |
| 21ST MORTGAGE CORPORATION | $1,560,000 | $1,110,000 | -28.8% | 0.2% |
| First National Bank of Pennsylvania | $2,890,000 | $1,090,000 | -62.3% | 0.2% |
| AgFirst Farm Credit Bank | $7,275,000 | $1,075,000 | -85.2% | 0.2% |
| JPMorgan Chase Bank | $800,000 | $1,075,000 | 34.4% | 0.2% |
| PHH Mortgage Corporation | $795,000 | $1,065,000 | 34.0% | 0.2% |
| RF Renovo Management Company, LLC | $125,000 | $1,060,000 | 748.0% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $2,490,000 | $1,055,000 | -57.6% | 0.2% |
| CARDINAL FINANCIAL | $2,600,000 | $1,050,000 | -59.6% | 0.2% |
| ENVOY MORTGAGE, LTD | $420,000 | $1,050,000 | 150.0% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $145,000 | $980,000 | 575.9% | 0.2% |
| PNC Bank | $1,270,000 | $930,000 | -26.8% | 0.2% |
| Northpointe Bank | $135,000 | $920,000 | 581.5% | 0.2% |
| Bethpage Federal Credit Union | $895,000 | n/a | 0.2% | |
| Sierra Pacific Mortgage Company, Inc. | $885,000 | n/a | 0.2% | |
| USAA Federal Savings Bank | $725,000 | $880,000 | 21.4% | 0.2% |
| Coastal Community Bank | $375,000 | $865,000 | 130.7% | 0.2% |
| SeaTrust Mortgage Company | $765,000 | $855,000 | 11.8% | 0.2% |
| FOUNDERS FEDERAL CREDIT UNION | $690,000 | $840,000 | 21.7% | 0.2% |
| OCMBC, INC. | $770,000 | $810,000 | 5.2% | 0.2% |
| First Horizon Bank | $795,000 | n/a | 0.2% | |
| AmeriHome Mortgage Company, LLC | $325,000 | $785,000 | 141.5% | 0.2% |
| First Federal Savings Bank of Lincolnton | $1,885,000 | $760,000 | -59.7% | 0.2% |
| SUMMIT FUNDING, INC. | $2,040,000 | $760,000 | -62.7% | 0.2% |
| NP, Inc. | $745,000 | n/a | 0.2% | |
| Mid-Continent Funding, Inc. | $740,000 | n/a | 0.2% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $590,000 | $740,000 | 25.4% | 0.2% |
| American Airlines Federal Credit Union | $425,000 | $735,000 | 72.9% | 0.2% |
| TOP FLITE FINANCIAL, INC. | $270,000 | $735,000 | 172.2% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $510,000 | $725,000 | 42.2% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $495,000 | $715,000 | 44.4% | 0.1% |
| BancorpSouth | $715,000 | n/a | 0.1% | |
| United Community Bank | $600,000 | $710,000 | 18.3% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $220,000 | $705,000 | 220.5% | 0.1% |
| The Huntington National Bank | $705,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $180,000 | $685,000 | 280.6% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $265,000 | $675,000 | 154.7% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $1,455,000 | $655,000 | -55.0% | 0.1% |
| First-Citizens Bank & Trust Company | $1,660,000 | $645,000 | -61.1% | 0.1% |
| T2 FINANCIAL LLC | $1,405,000 | $640,000 | -54.4% | 0.1% |
| Keystone Funding, Inc. | $635,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $605,000 | $635,000 | 5.0% | 0.1% |
| Integrity Home Mortgage Corp | $1,390,000 | $620,000 | -55.4% | 0.1% |
| Uwharrie Bank | $1,025,000 | $605,000 | -41.0% | 0.1% |
| MORTGAGE INVESTORS GROUP, INC. | $590,000 | n/a | 0.1% | |
| CANOPY MORTGAGE, LLC | $580,000 | n/a | 0.1% | |
| LOCAL GOVERNMENT FEDERAL CREDIT UNION | $1,820,000 | $575,000 | -68.4% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $930,000 | $565,000 | -39.2% | 0.1% |
| ALLIED MORTGAGE GROUP, INC. | $490,000 | $560,000 | 14.3% | 0.1% |
| Hometown Equity Mortgage, LLC | $125,000 | $560,000 | 348.0% | 0.1% |
| Belmont Savings Bank, SSB | $225,000 | $555,000 | 146.7% | 0.1% |
| Flagstar Bank, FSB | $1,305,000 | $540,000 | -58.6% | 0.1% |
| Summit Mortgage Corporation | $535,000 | n/a | 0.1% | |
| LOANPAL, LLC | $530,000 | n/a | 0.1% | |
| FLAT BRANCH MORTGAGE, INC. | $515,000 | n/a | 0.1% | |
| OCEANSIDE MORTGAGE COMPANY | $510,000 | n/a | 0.1% | |
| Figure Lending LLC | $470,000 | $485,000 | 3.2% | 0.1% |
| BAYSHORE MORTGAGE FUNDING, LLC | $460,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $435,000 | $460,000 | 5.7% | 0.1% |
| Mortgage Assurance Inc. | $835,000 | $455,000 | -45.5% | 0.1% |
| Paramount Bank | $450,000 | n/a | 0.1% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $445,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $35,000 | $440,000 | 1,157.1% | 0.1% |
| Citadel Servicing Corporation | $185,000 | $425,000 | 129.7% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $420,000 | n/a | 0.1% | |
| Franklin Loan Corporation | $405,000 | n/a | 0.1% | |
| MEMBER FIRST MORTGAGE, LLC | $325,000 | $400,000 | 23.1% | 0.1% |
| MILEND, INC. | $470,000 | $400,000 | -14.9% | 0.1% |
| EVERETT FINANCIAL, INC. | $395,000 | n/a | 0.1% | |
| Towne Bank | $395,000 | n/a | 0.1% | |
| GoPrime Mortgage, Inc. | $580,000 | $390,000 | -32.8% | 0.1% |
| Charles Schwab Bank, SSB | $335,000 | $385,000 | 14.9% | 0.1% |
| Renasant Bank | $325,000 | $385,000 | 18.5% | 0.1% |
| First National Bank of America | $135,000 | $380,000 | 181.5% | 0.1% |
| Magnolia Bank | $285,000 | $375,000 | 31.6% | 0.1% |
| Nations Lending Corporation | $370,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $105,000 | $365,000 | 247.6% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $355,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $350,000 | n/a | 0.1% | |
| HOMESTEAD FUNDING CORP. | $335,000 | n/a | 0.1% | |
| Peoples Bank | $45,000 | $335,000 | 644.4% | 0.1% |
| AMERICAN FINANCING CORPORATION | $95,000 | $325,000 | 242.1% | 0.1% |
| The Federal Savings Bank | $735,000 | $315,000 | -57.1% | 0.1% |
| CAROLINAS TELCO FEDERAL CREDIT UNION | $310,000 | n/a | 0.1% | |
| AgSouth Farm Credit, ACA | $420,000 | $305,000 | -27.4% | 0.1% |
| DIRECT MORTGAGE LOANS, LLC | $305,000 | n/a | 0.1% | |
| FIDELITY DIRECT MORTGAGE, LLC | $305,000 | n/a | 0.1% | |
| NETWORK CAPITAL FUNDING CORPORATION | $295,000 | $305,000 | 3.4% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $640,000 | $305,000 | -52.3% | 0.1% |
| Strong Home Mortgage, LLC | $305,000 | n/a | 0.1% | |
| Farmers Bank & Trust | $295,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $125,000 | $290,000 | 132.0% | 0.1% |
| JMAC LENDING, INC. | $125,000 | $280,000 | 124.0% | 0.1% |
| ALLEGACY FEDERAL CREDIT UNION | $275,000 | n/a | 0.1% | |
| Armed Forces Bank | $275,000 | n/a | 0.1% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $275,000 | n/a | 0.1% | |
| Loan Simple, Inc. | $275,000 | $275,000 | 0.0% | 0.1% |
| PLANET HOME LENDING, LLC | $1,055,000 | $275,000 | -73.9% | 0.1% |
| Gateway First Bank | $265,000 | n/a | 0.1% | |
| LATINO COMMUNITY CREDIT UNION | $545,000 | $265,000 | -51.4% | 0.1% |
| LENDINGONE, LLC | $965,000 | $260,000 | -73.1% | 0.1% |
| Baxter Credit Union | $255,000 | n/a | 0.1% | |
| THE MORTGAGE FIRM, INC. | $525,000 | $255,000 | -51.4% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $340,000 | $250,000 | -26.5% | 0.1% |
| POLARIS HOME FUNDING CORP. | $235,000 | $245,000 | 4.3% | 0.1% |
| TruHome Solutions, LLC | $245,000 | n/a | 0.1% | |
| EQUITY RESOURCES, INC. | $445,000 | $235,000 | -47.2% | 0.0% |
| Stifel Bank and Trust | $235,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $865,000 | $225,000 | -74.0% | 0.0% |
| Regions Bank | $20,030,000 | $225,000 | -98.9% | 0.0% |
| Citizens Bank | $210,000 | $220,000 | 4.8% | 0.0% |
| Performance Financial, Inc. | $215,000 | n/a | 0.0% | |
| DELMAR FINANCIAL COMPANY | $205,000 | n/a | 0.0% | |
| ServisFirst Bank | $205,000 | n/a | 0.0% | |
| UNITED | $310,000 | $205,000 | -33.9% | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $450,000 | $195,000 | -56.7% | 0.0% |
| Presidential Bank, FSB | $195,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $195,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $185,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $185,000 | n/a | 0.0% | |
| JUSTICE Federal Credit Union | $185,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $375,000 | $175,000 | -53.3% | 0.0% |
| RAPID MORTGAGE COMPANY | $175,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $260,000 | $165,000 | -36.5% | 0.0% |
| Discover Bank | $520,000 | $160,000 | -69.2% | 0.0% |
| First Reliance Bank | $155,000 | n/a | 0.0% | |
| NFM, INC. | $165,000 | $155,000 | -6.1% | 0.0% |
| SPRING EQ, LLC | $90,000 | $155,000 | 72.2% | 0.0% |
| LADERA LENDING, INC. | $145,000 | n/a | 0.0% | |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $420,000 | $145,000 | -65.5% | 0.0% |
| LIMA ONE CAPITAL, LLC | $425,000 | $135,000 | -68.2% | 0.0% |
| RESIDENTIAL BANCORP | $135,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $125,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $105,000 | n/a | 0.0% | |
| Leader Bank | $355,000 | $105,000 | -70.4% | 0.0% |
| NEXERA HOLDING LLC | $105,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $95,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $810,000 | $95,000 | -88.3% | 0.0% |
| Bank of York | $85,000 | n/a | 0.0% | |
| BETTER MORTGAGE CORPORATION | $460,000 | $75,000 | -83.7% | 0.0% |
| EASTMAN | $55,000 | n/a | 0.0% | |
| COASTAL Federal Credit Union | $280,000 | $45,000 | -83.9% | 0.0% |
Shelby's top lender by overall market share is STATE EMPLOYEES', with 11.0% market share. In second place, with 6.9%, is QUICKEN LOANS, LLC, having originated $32,885,000 in loans. In third place, with 5.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $26,680,000 in loans. In fourth place, with 3.5%, is GUARANTEED RATE, INC., having originated $16,560,000 in loans. In fifth place, with 3.1%, is DHI MORTGAGE COMPANY, LTD., having originated $14,805,000 in loans.
Shelby Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Shelby (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 | $144,833 (3.7%) | $198,654 (6.8%) | 0.00 | 253 |
| 2018-02-01 | $164,493 (19.2%) | $211,679 (12.6%) | 0.00 | 251 |
| 2018-03-01 | $167,990 (20.7%) | $214,356 (10.9%) | 0.00 | 238 |
| 2018-04-01 | $181,450 (30.5%) | $223,110 (11.2%) | 0.00 | 233 |
| 2018-05-01 | $177,743 (27.0%) | $231,663 (11.9%) | 0.00 | 267 |
| 2018-06-01 | $174,900 (21.7%) | $230,602 (12.5%) | 0.00 | 273 |
| 2018-07-01 | $179,445 (30.7%) | $237,077 (21.1%) | 0.00 | 280 |
| 2018-08-01 | $173,845 (24.9%) | $237,475 (18.3%) | 0.00 | 270 |
| 2018-09-01 | $171,495 (27.0%) | $235,594 (20.8%) | 0.00 | 263 |
| 2018-10-01 | $168,120 (20.1%) | $233,015 (18.5%) | 0.00 | 254 |
| 2018-11-01 | $177,618 (27.1%) | $242,167 (22.1%) | 0.00 | 234 |
| 2018-12-01 | $175,000 (25.0%) | $242,468 (24.0%) | 0.00 | 216 |
| 2019-01-01 | $184,743 (27.6%) | $253,404 (27.6%) | 0.00 | 205 |
| 2019-02-01 | $192,450 (17.0%) | $255,558 (20.7%) | 0.00 | 200 |
| 2019-03-01 | $198,521 (18.2%) | $259,290 (21.0%) | 0.00 | 181 |
| 2019-04-01 | $187,200 (3.2%) | $248,959 (11.6%) | 0.00 | 177 |
| 2019-05-01 | $216,425 (21.8%) | $265,394 (14.6%) | 0.00 | 174 |
| 2019-06-01 | $212,000 (21.2%) | $277,492 (20.3%) | 0.00 | 175 |
| 2019-07-01 | $209,900 (17.0%) | $283,403 (19.5%) | 0.00 | 176 |
| 2019-08-01 | $202,436 (16.5%) | $279,145 (17.6%) | 0.00 | 177 |
| 2019-09-01 | $191,166 (11.5%) | $266,709 (13.2%) | 0.00 | 185 |
| 2019-10-01 | $182,400 (8.5%) | $257,300 (10.4%) | 0.00 | 194 |
| 2019-11-01 | $189,900 (6.9%) | $258,333 (6.7%) | 0.00 | 183 |
| 2019-12-01 | $189,900 (8.5%) | $257,281 (6.1%) | 0.00 | 171 |
| 2020-01-01 | $186,400 (0.9%) | $249,254 (-1.6%) | 0.00 | 163 |
| 2020-02-01 | $189,799 (-1.4%) | $257,931 (0.9%) | 0.00 | 156 |
| 2020-03-01 | $214,950 (8.3%) | $268,145 (3.4%) | 0.00 | 146 |
| 2020-04-01 | $220,675 (17.9%) | $268,026 (7.7%) | 0.00 | 125 |
| 2020-05-01 | $222,900 (3.0%) | $272,321 (2.6%) | 0.00 | 131 |
| 2020-06-01 | $220,150 (3.8%) | $260,284 (-6.2%) | 0.00 | 108 |
| 2020-07-01 | $223,650 (6.6%) | $286,893 (1.2%) | 0.00 | 90 |
| 2020-08-01 | $219,900 (8.6%) | $283,423 (1.5%) | 0.00 | 78 |
| 2020-09-01 | $224,400 (17.4%) | $319,136 (19.7%) | 0.00 | 83 |
| 2020-10-01 | $230,000 (26.1%) | $314,148 (22.1%) | 0.00 | 88 |
| 2020-11-01 | $207,250 (9.1%) | $280,946 (8.8%) | 0.00 | 89 |
| 2020-12-01 | $188,750 (-0.6%) | $249,565 (-3.0%) | 0.00 | 92 |
| 2021-01-01 | $200,000 (7.3%) | $258,627 (3.8%) | 0.00 | 91 |
| 2021-02-01 | $214,975 (13.3%) | $262,002 (1.6%) | 0.00 | 88 |
| 2021-03-01 | $239,425 (11.4%) | $281,237 (4.9%) | 0.00 | 67 |
| 2021-04-01 | $228,450 (3.5%) | $277,407 (3.5%) | 0.00 | 65 |
| 2021-05-01 | $212,100 (-4.9%) | $336,963 (23.7%) | 0.00 | 56 |
| 2021-06-01 | $240,425 (9.2%) | $333,107 (28.0%) | 0.00 | 60 |
| 2021-07-01 | $230,000 (2.8%) | $320,415 (11.7%) | 0.00 | 77 |
| 2021-08-01 | $237,475 (8.0%) | $348,107 (22.8%) | 0.00 | 105 |
| 2021-09-01 | $228,250 (1.7%) | $362,082 (13.5%) | 0.00 | 111 |
| 2021-10-01 | $259,900 (13.0%) | $372,876 (18.7%) | 0.00 | 118 |
| 2021-11-01 | $247,750 (19.5%) | $386,701 (37.6%) | 0.00 | 146 |
| 2021-12-01 | $247,450 (31.1%) | $408,650 (63.7%) | 0.00 | 129 |
| 2022-01-01 | $247,500 (23.8%) | $442,000 (70.9%) | 0.00 | 104 |
| 2022-02-01 | $249,950 (16.3%) | $417,496 (59.4%) | 0.00 | 81 |
| 2022-03-01 | $282,472 (18.0%) | $436,254 (55.1%) | 0.00 | 69 |
| 2022-04-01 | $265,000 (16.0%) | $418,792 (51.0%) | 0.00 | 68 |
| 2022-05-01 | $259,450 (22.3%) | $386,172 (14.6%) | 0.00 | 90 |
| 2022-06-01 | $245,000 (1.9%) | $379,831 (14.0%) | 0.00 | 126 |
| 2022-07-01 | $227,450 (-1.1%) | $364,107 (13.6%) | 0.00 | 164 |
| 2022-08-01 | $245,000 (3.2%) | $362,163 (4.0%) | 0.00 | 178 |
| 2022-09-01 | $238,175 (4.4%) | $339,450 (-6.3%) | 0.00 | 205 |
| 2022-10-01 | $240,000 (-7.7%) | $325,942 (-12.6%) | 0.00 | 224 |
| 2022-11-01 | $250,000 (0.9%) | $338,683 (-12.4%) | 0.00 | 212 |
| 2022-12-01 | $245,900 (-0.6%) | $343,789 (-15.9%) | 0.00 | 200 |
| 2023-01-01 | $266,000 (7.5%) | $350,508 (-20.7%) | 0.00 | 169 |
| 2023-02-01 | $264,973 (6.0%) | $355,206 (-14.9%) | 0.00 | 158 |
| 2023-03-01 | $285,000 (0.9%) | $383,483 (-12.1%) | 0.00 | 151 |
| 2023-04-01 | $285,000 (7.6%) | $374,370 (-10.6%) | 0.00 | 156 |
| 2023-05-01 | $278,500 (7.3%) | $381,350 (-1.3%) | 0.00 | 153 |
| 2023-06-01 | $272,400 (11.2%) | $381,807 (0.5%) | 0.00 | 179 |
| 2023-07-01 | $269,250 (18.4%) | $350,660 (-3.7%) | 0.00 | 178 |
| 2023-08-01 | $279,400 (14.0%) | $362,212 (0.0%) | 0.00 | 182 |
| 2023-09-01 | $279,400 (17.3%) | $367,476 (8.3%) | 0.00 | 198 |
| 2023-10-01 | $280,150 (16.7%) | $370,796 (13.8%) | 0.00 | 209 |
| 2023-11-01 | $290,500 (16.2%) | $373,343 (10.2%) | 0.00 | 217 |
| 2023-12-01 | $289,900 (17.9%) | $373,975 (8.8%) | 0.00 | 226 |
| 2024-01-01 | $289,949 (9.0%) | $370,172 (5.6%) | 0.00 | 234 |
| 2024-02-01 | $288,075 (8.7%) | $361,099 (1.7%) | 0.00 | 231 |
| 2024-03-01 | $285,000 (0.0%) | $350,916 (-8.5%) | 0.00 | 221 |
| 2024-04-01 | $296,450 (4.0%) | $342,834 (-8.4%) | 0.00 | 227 |
| 2024-05-01 | $299,200 (7.4%) | $348,807 (-8.5%) | 0.00 | 231 |
| 2024-06-01 | $313,400 (15.1%) | $355,650 (-6.9%) | 0.00 | 240 |
| 2024-07-01 | $316,072 (17.4%) | $365,983 (4.4%) | 0.00 | 255 |
| 2024-08-01 | $305,900 (9.5%) | $377,100 (4.1%) | 0.00 | 278 |
| 2024-09-01 | $299,188 (7.1%) | $376,376 (2.4%) | 0.00 | 292 |
| 2024-10-01 | $296,950 (6.0%) | $370,574 (-0.1%) | 0.00 | 293 |
| 2024-11-01 | $295,000 (1.6%) | $360,349 (-3.5%) | 0.00 | 308 |
| 2024-12-01 | $296,950 (2.4%) | $360,613 (-3.6%) | 0.00 | 317 |
| 2025-01-01 | $298,450 (2.9%) | $358,397 (-3.2%) | 0.00 | 299 |
| 2025-02-01 | $300,000 (4.1%) | $362,087 (0.3%) | 0.00 | 290 |
| 2025-03-01 | $311,900 (9.4%) | $375,333 (7.0%) | 0.00 | 293 |
| 2025-04-01 | $316,425 (6.7%) | $378,069 (10.3%) | 0.00 | 311 |
| 2025-05-01 | $309,000 (3.3%) | $379,002 (8.7%) | 0.00 | 300 |
| 2025-06-01 | $309,000 (-1.4%) | $388,156 (9.1%) | 0.00 | 316 |
| 2025-07-01 | $296,175 (-6.3%) | $360,257 (-1.6%) | 0.00 | 347 |
| 2025-08-01 | $295,000 (-3.6%) | $353,831 (-6.2%) | 0.00 | 350 |
| 2025-09-01 | $284,500 (-4.9%) | $348,435 (-7.4%) | 0.00 | 350 |
| 2025-10-01 | $293,725 (-1.1%) | $355,710 (-4.0%) | 0.00 | 344 |
| 2025-11-01 | $290,000 (-1.7%) | $361,484 (0.3%) | 0.00 | 348 |
| 2025-12-01 | $289,100 (-2.6%) | $358,461 (-0.6%) | 0.00 | 326 |
| 2026-01-01 | $285,000 (-4.5%) | $352,360 (-1.7%) | 0.00 | 340 |
| 2026-02-01 | $283,250 (-5.6%) | $344,333 (-4.9%) | 0.00 | 356 |
| 2026-03-01 | $280,725 (-10.0%) | $348,325 (-7.2%) | 0.00 | 365 |
| 2026-04-01 | $285,000 (-9.9%) | $344,121 (-9.0%) | 0.00 | 371 |
| 2026-05-01 | $290,865 (-5.9%) | $345,818 (-8.8%) | 0.00 | 385 |
| 2026-06-01 | $294,000 (-4.9%) | $351,300 (-9.5%) | 0.00 | 395 |
| 2026-07-01 | $296,500 (0.1%) | $350,064 (-2.8%) | 0.00 | 402 |
| 2026-08-01 | $293,000 (-0.7%) | $346,830 (-2.0%) | 0.00 | 420 |
| 2026-09-01 | $288,700 (1.5%) | $344,373 (-1.2%) | 0.00 | 425 |
| 2026-10-01 | $288,250 (-1.9%) | $348,680 (-2.0%) | 0.00 | 423 |
Shelby's median listing price for 2026-10-01 was $288,250, a difference of
$-5,475
(-1.9%) versus the prior year and
$-450 versus the prior month.
Shelby's median listing price comes in at 0% of the national average.
Shelby's average listing price for 2026-10-01 was $348,680, a difference of $-7,030 (-2.0%) versus the prior year and $4,307 versus the prior month.
For the 2026-10-01 period, Shelby had 423 MLS listings, a difference of -2 listings (0%) versus the prior month and 79 listings (23%) versus the prior year.
Shelby's median listing price comes in at 0% of the national average.
Shelby's average listing price for 2026-10-01 was $348,680, a difference of $-7,030 (-2.0%) versus the prior year and $4,307 versus the prior month.
For the 2026-10-01 period, Shelby had 423 MLS listings, a difference of -2 listings (0%) versus the prior month and 79 listings (23%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Shelby (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,805 sqft |
| 2018-02-01 | 0 days | 1,849 sqft |
| 2018-03-01 | 0 days | 1,837 sqft |
| 2018-04-01 | 0 days | 1,893 sqft |
| 2018-05-01 | 0 days | 1,956 sqft |
| 2018-06-01 | 0 days | 1,893 sqft |
| 2018-07-01 | 0 days | 1,948 sqft |
| 2018-08-01 | 0 days | 1,942 sqft |
| 2018-09-01 | 0 days | 1,888 sqft |
| 2018-10-01 | 0 days | 1,836 sqft |
| 2018-11-01 | 0 days | 1,894 sqft |
| 2018-12-01 | 0 days | 1,883 sqft |
| 2019-01-01 | 0 days | 2,010 sqft |
| 2019-02-01 | 0 days | 2,032 sqft |
| 2019-03-01 | 0 days | 2,050 sqft |
| 2019-04-01 | 0 days | 1,964 sqft |
| 2019-05-01 | 0 days | 2,122 sqft |
| 2019-06-01 | 0 days | 1,972 sqft |
| 2019-07-01 | 0 days | 1,939 sqft |
| 2019-08-01 | 0 days | 1,924 sqft |
| 2019-09-01 | 0 days | 1,843 sqft |
| 2019-10-01 | 0 days | 1,799 sqft |
| 2019-11-01 | 0 days | 1,850 sqft |
| 2019-12-01 | 0 days | 1,954 sqft |
| 2020-01-01 | 0 days | 1,811 sqft |
| 2020-02-01 | 0 days | 1,840 sqft |
| 2020-03-01 | 0 days | 1,816 sqft |
| 2020-04-01 | 0 days | 1,846 sqft |
| 2020-05-01 | 0 days | 1,870 sqft |
| 2020-06-01 | 0 days | 1,893 sqft |
| 2020-07-01 | 0 days | 1,866 sqft |
| 2020-08-01 | 0 days | 1,828 sqft |
| 2020-09-01 | 0 days | 1,812 sqft |
| 2020-10-01 | 0 days | 1,782 sqft |
| 2020-11-01 | 0 days | 1,664 sqft |
| 2020-12-01 | 0 days | 1,555 sqft |
| 2021-01-01 | 0 days | 1,585 sqft |
| 2021-02-01 | 0 days | 1,541 sqft |
| 2021-03-01 | 0 days | 1,598 sqft |
| 2021-04-01 | 0 days | 1,654 sqft |
| 2021-05-01 | 0 days | 1,624 sqft |
| 2021-06-01 | 0 days | 1,757 sqft |
| 2021-07-01 | 0 days | 1,744 sqft |
| 2021-08-01 | 0 days | 1,670 sqft |
| 2021-09-01 | 0 days | 1,699 sqft |
| 2021-10-01 | 0 days | 1,800 sqft |
| 2021-11-01 | 0 days | 1,673 sqft |
| 2021-12-01 | 0 days | 1,804 sqft |
| 2022-01-01 | 0 days | 1,827 sqft |
| 2022-02-01 | 0 days | 1,759 sqft |
| 2022-03-01 | 0 days | 1,805 sqft |
| 2022-04-01 | 0 days | 1,747 sqft |
| 2022-05-01 | 0 days | 1,666 sqft |
| 2022-06-01 | 0 days | 1,530 sqft |
| 2022-07-01 | 0 days | 1,498 sqft |
| 2022-08-01 | 0 days | 1,534 sqft |
| 2022-09-01 | 0 days | 1,558 sqft |
| 2022-10-01 | 0 days | 1,549 sqft |
| 2022-11-01 | 0 days | 1,602 sqft |
| 2022-12-01 | 0 days | 1,604 sqft |
| 2023-01-01 | 0 days | 1,626 sqft |
| 2023-02-01 | 0 days | 1,598 sqft |
| 2023-03-01 | 0 days | 1,625 sqft |
| 2023-04-01 | 0 days | 1,574 sqft |
| 2023-05-01 | 0 days | 1,558 sqft |
| 2023-06-01 | 0 days | 1,558 sqft |
| 2023-07-01 | 0 days | 1,577 sqft |
| 2023-08-01 | 0 days | 1,652 sqft |
| 2023-09-01 | 0 days | 1,660 sqft |
| 2023-10-01 | 0 days | 1,668 sqft |
| 2023-11-01 | 0 days | 1,679 sqft |
| 2023-12-01 | 0 days | 1,679 sqft |
| 2024-01-01 | 0 days | 1,680 sqft |
| 2024-02-01 | 0 days | 1,679 sqft |
| 2024-03-01 | 0 days | 1,679 sqft |
| 2024-04-01 | 0 days | 1,754 sqft |
| 2024-05-01 | 0 days | 1,787 sqft |
| 2024-06-01 | 0 days | 1,800 sqft |
| 2024-07-01 | 0 days | 1,806 sqft |
| 2024-08-01 | 0 days | 1,776 sqft |
| 2024-09-01 | 0 days | 1,749 sqft |
| 2024-10-01 | 0 days | 1,676 sqft |
| 2024-11-01 | 0 days | 1,679 sqft |
| 2024-12-01 | 0 days | 1,687 sqft |
| 2025-01-01 | 0 days | 1,674 sqft |
| 2025-02-01 | 0 days | 1,679 sqft |
| 2025-03-01 | 0 days | 1,710 sqft |
| 2025-04-01 | 0 days | 1,705 sqft |
| 2025-05-01 | 0 days | 1,679 sqft |
| 2025-06-01 | 0 days | 1,690 sqft |
| 2025-07-01 | 0 days | 1,657 sqft |
| 2025-08-01 | 0 days | 1,693 sqft |
| 2025-09-01 | 0 days | 1,670 sqft |
| 2025-10-01 | 0 days | 1,662 sqft |
| 2025-11-01 | 0 days | 1,620 sqft |
| 2025-12-01 | 0 days | 1,620 sqft |
| 2026-01-01 | 0 days | 1,606 sqft |
| 2026-02-01 | 0 days | 1,620 sqft |
| 2026-03-01 | 0 days | 1,626 sqft |
| 2026-04-01 | 0 days | 1,629 sqft |
| 2026-05-01 | 0 days | 1,680 sqft |
| 2026-06-01 | 0 days | 1,659 sqft |
| 2026-07-01 | 0 days | 1,633 sqft |
| 2026-08-01 | 0 days | 1,648 sqft |
| 2026-09-01 | 0 days | 1,649 sqft |
| 2026-10-01 | 0 days | 1,678 sqft |
Shelby's median listing age (time on market) for 2026-10-01 was 0 days.
Shelby's median square footage for active listings during the 2026-10-01 period was 1,678 sqft. One year prior, the average listing was 1,662 sqft.
Shelby's median square footage for active listings during the 2026-10-01 period was 1,678 sqft. One year prior, the average listing was 1,662 sqft.
Shelby, NC Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,136 | $280,400,000 | $246,831 |
| Cash Out Refi | 436 | $79,340,000 | $181,972 |
| Refi | 329 | $72,115,000 | $219,195 |
| Other | 239 | $25,435,000 | $106,423 |
| Home Improvement | 232 | $22,230,000 | $95,819 |
| NA | 1 | $125,000 | $125,000 |
Shelby's most frequently cited loan purpose was Home Purchase, with 1,136 originations. The 2nd most popular reason was Cash Out Refi, with 436 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,080 | $234,650,000 | $217,269 |
| 5-6% | 479 | $120,515,000 | $251,597 |
| 7-8% | 393 | $76,985,000 | $195,891 |
| Over 8% | 311 | $30,485,000 | $98,023 |
| <2.5% | 51 | $675,000 | $13,235 |
| 4-5% | 44 | $13,320,000 | $302,727 |
| 3-4% | 4 | $1,330,000 | $332,500 |
| 2.5-3% | 2 | $250,000 | $125,000 |
During 2025, Shelby's most frequently originated rate bucket was 6-7%, with 1,080 originations.
Loan Sizing (Shelby, NC MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 877 | $239,415,000 | $272,993 |
| $100k-200k | 740 | $110,720,000 | $149,622 |
| $100,000 or less | 609 | $32,645,000 | $53,604 |
| $400k-600k | 105 | $49,485,000 | $471,286 |
| $600k-1000k | 31 | $23,405,000 | $755,000 |
| $Over $1MM | 11 | $23,975,000 | $2,179,545 |
Shelby's loan sizing saw the bucket of loans from $200k-400k with 877 originations, totaling $239,415,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 906 | $243,280,000 | $268,521 |
| 60-80% | 429 | $103,855,000 | $242,086 |
| 20-40% | 343 | $37,095,000 | $108,149 |
| Under 20% | 328 | $13,480,000 | $41,098 |
| 40-60% | 284 | $60,410,000 | $212,711 |
| Over 100% | 37 | $10,225,000 | $276,351 |
Shelby's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 906 originations, totaling $243,280,000 in origination value.