North State Bank closing costs and rates (2024)
In 2024, North State Bank originated 413 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $4,107. That is $2,634 below the national median of $6,741. North State Bank is most active in North Carolina with 407 originations there.
Purchase Originations
413
Median Total Costs
$4,107
−39.1% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$1,108
Median Lender Credits
$341
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 330 | 6.625% | $3,827 | $1,109 |
| fha | 54 | 6.250% | $9,149 | $1,851 |
| va | 24 | 6.250% | $8,330 | $610 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 407 | 6.625% | $4,100 | #57 |
| South Carolina | 6 | 6.875% | $4,233 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,328 | 6.625% | — | 5 | −$779 | |
| 2 | $3,498 | 6.500% | — | 20 | −$609 | |
| 3 | $3,569 | 6.625% | — | 50 | −$538 | |
| 4 | $3,712 | 6.438% | — | 2 | −$395 | |
| 5 | $3,911 | 6.500% | — | 11 | −$196 | |
| 6 | $3,982 | 6.500% | — | 3 | −$125 | |
| 7 | $4,047 | 6.625% | — | 158 | −$60 | |
| 8 | $4,233 | 6.312% | — | 8 | +$126 | |
| 9 | $4,294 | 6.500% | — | 3 | +$187 | |
| 10 | $4,455 | 6.688% | — | 4 | +$348 | |
| 11 | $5,181 | 6.562% | — | 26 | +$1,074 | |
| 12 | $5,607 | 6.562% | — | 2 | +$1,500 | |
| 13 | $5,647 | 6.250% | — | 3 | +$1,540 | |
| 14 | $5,846 | 6.312% | — | 4 | +$1,739 | |
| 15 | $6,049 | 6.375% | — | 67 | +$1,942 | |
| 16 | $6,111 | 6.625% | — | 10 | +$2,004 | |
| 17 | $6,210 | 6.625% | — | 5 | +$2,103 | |
| 18 | $6,243 | 6.812% | — | 2 | +$2,136 | |
| 19 | $6,817 | 6.562% | — | 10 | +$2,710 | |
| 20 | $9,088 | 6.625% | — | 3 | +$4,981 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.