Purchase Originations
352
Median Total Costs
$4,172
−37.5% vs national ($6,680)
↑ $65 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,112
Median Lender Credits
$501
Denial Rate
1.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 294 | 6.500% | $4,029 | $1,170 |
| fha | 35 | 6.250% | $8,166 | $807 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 348 | 6.500% | $4,172 | #70 |
| Virginia | 3 | 5.990% | $3,727 | — |
| South Carolina | 1 | 6.625% | $5,597 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,124 | 6.625% | — | 3 | −$1,048 | |
| 2 | $3,248 | 6.375% | — | 3 | −$924 | |
| 3 | $3,620 | 6.625% | — | 3 | −$552 | |
| 4 | $3,647 | 6.500% | — | 6 | −$525 | |
| 5 | $3,699 | 5.562% | — | 2 | −$473 | |
| 6 | $3,718 | 6.500% | — | 51 | −$454 | |
| 7 | $3,810 | 6.500% | — | 20 | −$362 | |
| 8 | $3,937 | 6.562% | — | 16 | −$235 | |
| 9 | $4,152 | 6.125% | — | 35 | −$20 | |
| 10 | $4,356 | 6.500% | — | 132 | +$184 | |
| 11 | $4,664 | 6.625% | — | 2 | +$492 | |
| 12 | $4,715 | 6.500% | — | 2 | +$543 | |
| 13 | $4,988 | 6.625% | — | 6 | +$816 | |
| 14 | $5,004 | 6.620% | — | 2 | +$832 | |
| 15 | $5,097 | 6.375% | — | 20 | +$925 | |
| 16 | $5,217 | 6.500% | — | 10 | +$1,045 | |
| 17 | $5,928 | 6.500% | — | 13 | +$1,756 | |
| 18 | $5,937 | 6.375% | — | 2 | +$1,765 | |
| 19 | $6,295 | 6.250% | — | 2 | +$2,123 | |
| 20 | $6,678 | 6.625% | — | 3 | +$2,506 |
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 | North State Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $4,172 | $7,127 | −$2,955 (−41.5%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.