Homebuyers in Franklin County County who chose VANDERBILT MORTGAGE AND FINANCE, INC. paid $5,250 less in closing costs than the county median.
County Median Costs
$5,775
+0.7% vs North Carolina ($5,736)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$2,068
Purchase Originations
1,182
Denial Rate
7.1%
vs North Carolina avg (9.1%)
vs North Carolina Median
0.7% above
$39
vs National Median
13.6% below
$-905
21 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,682 | 5.375% | $0 | 17 | −$2,128 | |
| 2 | $3,436 | 6.625% | $614 | 11 | −$1,374 | |
| 3 | $3,918 | 6.250% | $1,512 | 27 | −$892 | |
| 4 | $4,044 | 6.625% | $1,445 | 15 | −$766 | |
| 5 | $4,088 | 6.375% | $1,574 | 25 | −$722 | |
| 6 | $4,120 | 6.562% | $1,929 | 18 | −$690 | |
| 7 | $4,464 | 6.625% | $1,675 | 34 | −$346 | |
| 8 | $4,709 | 6.312% | $1,841 | 10 | −$101 | |
| 9 | $4,805 | 5.825% | $2,500 | 89 | −$5 | |
| 10 | $4,840 | 6.338% | $1,938 | 16 | +$30 | |
| 11 | $5,111 | 6.350% | $1,790 | 14 | +$301 | |
| 12 | $5,239 | 6.688% | $2,721 | 18 | +$429 | |
| 13 | $5,759 | 6.562% | $2,419 | 18 | +$949 | |
| 14 | $5,908 | 6.433% | $2,388 | 12 | +$1,098 | |
| 15 | $6,362 | 6.875% | $3,438 | 23 | +$1,552 | |
| 16 | $6,459 | 5.688% | $4,270 | 46 | +$1,649 | |
| 17 | $6,807 | 6.575% | $3,806 | 14 | +$1,997 | |
| 18 | $8,098 | 5.990% | $5,613 | 11 | +$3,288 |
Includes lenders with 10+ purchase originations in Franklin County County. Source: HMDA 2025. 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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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.