Purchase Originations
103
Median Total Costs
$7,555
+13.1% vs national ($6,680)
↑ $359 vs prior year
Median Rate
8.050%
+24.0% vs national (6.490%)
↓ 0.400% vs prior year
Median Origination
$4,323
Median Lender Credits
$175
Denial Rate
4.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 103 | 8.050% | $7,555 | $4,323 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 103 | 8.050% | $7,555 | #150 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,880 | 8.125% | — | 4 | −$2,675 | |
| 2 | $5,126 | 8.040% | — | 8 | −$2,429 | |
| 3 | $5,560 | 8.040% | — | 4 | −$1,995 | |
| 4 | $5,642 | 8.080% | — | 4 | −$1,913 | |
| 5 | $6,118 | 7.930% | — | 5 | −$1,437 | |
| 6 | $6,435 | 8.135% | — | 10 | −$1,120 | |
| 7 | $6,681 | 7.760% | — | 4 | −$874 | |
| 8 | $7,294 | 8.155% | — | 2 | −$261 | |
| 9 | $7,420 | 8.110% | — | 7 | −$135 | |
| 10 | $7,620 | 8.010% | — | 7 | +$65 | |
| 11 | $7,994 | 8.150% | — | 2 | +$439 | |
| 12 | $8,197 | 7.970% | — | 3 | +$642 | |
| 13 | $8,505 | 8.190% | — | 6 | +$950 | |
| 14 | $8,710 | 8.420% | — | 5 | +$1,155 | |
| 15 | $9,100 | 7.850% | — | 5 | +$1,545 | |
| 16 | $9,198 | 8.470% | — | 3 | +$1,643 | |
| 17 | $9,273 | 8.205% | — | 2 | +$1,718 | |
| 18 | $9,469 | 7.650% | — | 2 | +$1,914 | |
| 19 | $9,472 | 8.470% | — | 3 | +$1,917 | |
| 20 | $10,808 | 8.125% | — | 2 | +$3,253 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | AgCarolina Farm Credit, FLCA | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $7,555 | $7,127 | +$428 (+6.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.