Lowest closing cost mortgage lenders in Caldwell County County, North Carolina
In Caldwell County, North Carolina, homebuyers paid a median of $5,524 in closing costs in 2024 — below the North Carolina median of $5,720. The county saw 677 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, MORTGAGE RESEARCH CENTER, LLC offered the lowest median costs at $1,955, which is $1,738 less than the county median.
Homebuyers in Caldwell County County who chose MORTGAGE RESEARCH CENTER, LLC paid $3,569 less in closing costs than the county median.
County Median Costs
$5,524
−3.4% vs North Carolina ($5,720)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$2,500
Purchase Originations
677
vs North Carolina Median
3.4% below
$-196
vs National Median
18.1% below
$-1,217
Lender rankings in Caldwell County County
10 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,591 | 6.775% | $1,303 | 14 | −$1,097 | |
| 2 | $4,310 | 6.575% | $2,219 | 135 | −$378 | |
| 3 | $4,395 | 6.875% | $1,595 | 14 | −$293 | |
| 4 | $4,675 | 6.812% | $2,555 | 12 | −$13 | |
| 5 | $5,600 | 6.725% | $2,995 | 15 | +$912 | |
| 6 | $5,804 | 6.750% | $3,750 | 27 | +$1,116 | |
| 7 | $5,908 | 6.875% | $3,231 | 45 | +$1,220 | |
| 8 | $6,086 | 6.875% | $3,305 | 18 | +$1,398 |
Includes lenders with 10+ purchase originations in Caldwell County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in North Carolina → Lender Directory
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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.