Mortgage lender closing cost rankings in North Carolina (2024)
In North Carolina, homebuyers paid a median of $5,720 in total closing costs on purchase mortgages in 2024, which is below the national median of $6,741. The median interest rate was 6.58% across 115,314 purchase originations. The most active lender was STATE EMPLOYEES' with 7,438 originations. The lowest-cost lender (with 50+ loans) was SIRVA MORTGAGE, INC. at $50.
Median Total Costs
$5,720
−15.2% vs national ($6,741)
Median Rate
6.580%
−0.6% vs national (6.620%)
Median Origination
$2,128
Purchase Originations
115,314
By loan type
| Loan type | Volume | Median Rate | Median Total Costs |
|---|---|---|---|
| conventional | 76,201 | 6.625% | $4,776 |
| fha | 19,817 | 6.250% | $10,370 |
| va | 18,231 | 6.250% | $7,107 |
| usda | 1,065 | 6.250% | $7,690 |
Lowest closing cost lenders in North Carolina
Ranked by median total loan costs among lenders with 50+ purchase originations in North Carolina.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $50 | 6.562% | $0 | 62 | −$5,670 | |
| 2 | $250 | 6.450% | $0 | 119 | −$5,470 | |
| 3 | $375 | 6.625% | $0 | 85 | −$5,345 | |
| 4 | $769 | 6.250% | $0 | 903 | −$4,951 | |
| 5 | $1,431 | 6.000% | $1,190 | 1,691 | −$4,289 | |
| 6 | $2,832 | 5.500% | $0 | 4,330 | −$2,888 | |
| 7 | $2,848 | 6.250% | $125 | 594 | −$2,872 | |
| 8 | $2,888 | 5.625% | $436 | 56 | −$2,832 | |
| 9 | $2,975 | 5.990% | $126 | 519 | −$2,745 | |
| 10 | $3,062 | 7.200% | $0 | 73 | −$2,658 | |
| 11 | $3,197 | 7.750% | $0 | 195 | −$2,523 | |
| 12 | $3,328 | 6.375% | $0 | 318 | −$2,392 | |
| 13 | $3,382 | 6.500% | $400 | 150 | −$2,338 | |
| 14 | $3,496 | 6.625% | $1,025 | 356 | −$2,224 | |
| 15 | $3,593 | 6.490% | $444 | 51 | −$2,127 | |
| 16 | $3,624 | 6.188% | $250 | 354 | −$2,096 | |
| 17 | $3,751 | 6.375% | $1,323 | 64 | −$1,969 | |
| 18 | $3,828 | 6.125% | $0 | 2,327 | −$1,892 | |
| 19 | $3,829 | 5.875% | $1,295 | 87 | −$1,891 | |
| 20 | $3,838 | 6.500% | $739 | 198 | −$1,882 | |
| 21 | $3,876 | 6.500% | $1,125 | 443 | −$1,844 | |
| 22 | $3,897 | 6.625% | $999 | 284 | −$1,823 | |
| 23 | $3,897 | 8.400% | $1,850 | 172 | −$1,823 | |
| 24 | $4,018 | 6.100% | $815 | 150 | −$1,702 | |
| 25 | $4,072 | 6.490% | $1,550 | 111 | −$1,648 |
Includes lenders with 50+ purchase originations in North Carolina. Source: HMDA 2024. Sorted by median total loan costs.
Rankings by county
Wake County
14,033 originations
Mecklenburg County
12,618 originations
Guilford County
4,804 originations
Johnston County
3,885 originations
Cumberland County
3,880 originations
Forsyth County
3,797 originations
Onslow County
3,484 originations
Durham County
3,228 originations
Brunswick County
3,155 originations
Gaston County
3,153 originations
Union County
3,062 originations
Cabarrus County
2,991 originations
Iredell County
2,976 originations
Harnett County
2,803 originations
New Hanover County
2,321 originations
Davidson County
2,134 originations
Buncombe County
2,043 originations
Alamance County
2,036 originations
Catawba County
1,840 originations
Rowan County
1,595 originations
Pitt County
1,589 originations
Moore County
1,580 originations
Craven County
1,337 originations
Wayne County
1,271 originations
Randolph County
1,253 originations
Franklin County
1,203 originations
Henderson County
1,163 originations
Pender County
1,114 originations
Lincoln County
1,092 originations
Hoke County
1,057 originations
Orange County
1,005 originations
Rockingham County
957 originations
Nash County
935 originations
Chatham County
871 originations
Cleveland County
862 originations
Stanly County
816 originations
Lee County
815 originations
Burke County
747 originations
Caldwell County
677 originations
Carteret County
677 originations
Wilson County
674 originations
Robeson County
590 originations
Haywood County
563 originations
Pasquotank County
563 originations
Rutherford County
533 originations
Surry County
512 originations
Granville County
498 originations
Stokes County
481 originations
Davie County
456 originations
Currituck County
452 originations
Lenoir County
426 originations
Wilkes County
381 originations
Sampson County
369 originations
Beaufort County
366 originations
Person County
359 originations
Macon County
320 originations
McDowell County
311 originations
Dare County
308 originations
Edgecombe County
299 originations
Columbus County
296 originations
Cherokee County
281 originations
Yadkin County
268 originations
Richmond County
264 originations
Duplin County
257 originations
Watauga County
248 originations
Alexander County
236 originations
Halifax County
234 originations
Jackson County
233 originations
Transylvania County
224 originations
Montgomery County
220 originations
Vance County
201 originations
Ashe County
182 originations
Polk County
174 originations
Scotland County
167 originations
Caswell County
165 originations
Madison County
161 originations
Anson County
149 originations
Chowan County
146 originations
Bladen County
143 originations
Camden County
142 originations
Perquimans County
138 originations
Martin County
125 originations
Pamlico County
119 originations
Warren County
112 originations
Avery County
102 originations
See North Carolina closing cost details, fee benchmarks, and county comparisons → North Carolina Closing Costs Guide
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 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.