North Carolina · Q1 2026
What North Carolina borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 797 lenders.
Published 2026-04-29.
North Carolina · headline
The gap between North Carolina's lowest- and highest-cost ranked lenders in 2025 was $6,024 on a typical loan — borrowers using loanDepot.com, LLC paid roughly 228% more than borrowers using Navy Federal Credit Union on similar loans.
Source: FFIEC HMDA 2025 (n=198,548)
In 2025, 797 mortgage lenders originated 198,548 reportable loans in North Carolina according to FFIEC HMDA data. The median borrower paid $5,343 in total loan costs. That is 26.0% above the national median across all 50 states and DC.
North Carolina's median total loan cost was $5,343, 26.0% above the national median of $4,242. On a typical loan, that translates to roughly $1,101 more than borrowers paid in the average state.
Navy Federal Credit Union posted the lowest median total loan costs at $2,641, 50.6% below the North Carolina median. Across the ranked lenders, 10 earned an A grade against peer averages and 3 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in North Carolina are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $5,292 | $3,283 | 18,472 | A |
| 2 | State Employees' | $4,411 | $2,500 | 12,616 | A |
| 3 | United Wholesale Mortgage | $7,485 | $4,173 | 12,403 | D |
| 4 | Movement Mortgage | $5,735 | $2,141 | 7,356 | A |
| 5 | Atlantic Bay Mortgage Group, L.L.C. | $7,378 | $3,421 | 5,280 | C |
| 6 | Mortgage Research Center, LLC | $5,040 | $2,662 | 4,769 | A |
| 7 | DHI Mortgage Company, LTD. | $4,480 | $1,562 | 4,755 | A |
| 8 | Freedom Mortgage | $5,925 | $2,945 | 4,425 | A |
| 9 | CrossCountry Mortgage | $7,469 | $3,414 | 4,024 | D |
| 10 | Navy Federal Credit Union | $2,641 | $3,990 | 3,794 | A |
North Carolina median total loan cost
North Carolina borrowers paid a median $5,343 in total loan costs in 2025, based on 198,548 HMDA-reported loans across 797 lenders.
FFIEC HMDA 2025
Lender spread in North Carolina
In North Carolina, the gap between Navy Federal Credit Union ($2,641 median) and loanDepot.com, LLC ($8,665 median) was $6,024 on a typical 2025 loan.
FFIEC HMDA 2025
North Carolina vs. national
North Carolina closing costs ran 26.0% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in North Carolina was $2,041, with the typical lender clustering tightly around that figure. Discount points appeared on 55% of loans, with a median paid amount of $2,301 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 32% of loans, with a median credit of $415.
Avg $3,528
Median $2,301 when present
Median $415 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in North Carolina) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for North Carolina
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