Lowest closing cost mortgage lenders in Johnston County County, North Carolina
In Johnston County, North Carolina, homebuyers paid a median of $6,531 in closing costs in 2024 — above the North Carolina median of $5,720. The county saw 3,885 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, PULTE MORTGAGE LLC offered the lowest median costs at $653, which is $4,230 less than the county median.
Homebuyers in Johnston County County who chose PULTE MORTGAGE LLC paid $5,878 less in closing costs than the county median.
County Median Costs
$6,531
+14.2% vs North Carolina ($5,720)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$2,500
Purchase Originations
3,885
vs North Carolina Median
14.2% above
$811
vs National Median
3.1% below
$-210
Lender rankings in Johnston County County
54 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $653 | 6.625% | $0 | 60 | −$4,230 | |
| 2 | $1,845 | 5.875% | $657 | 20 | −$3,038 | |
| 3 | $1,945 | 4.933% | $1,203 | 10 | −$2,938 | |
| 4 | $2,315 | 5.812% | $101 | 18 | −$2,568 | |
| 5 | $2,459 | 5.750% | $0 | 15 | −$2,424 | |
| 6 | $2,972 | 6.188% | $625 | 10 | −$1,911 | |
| 7 | $3,394 | 6.875% | $969 | 21 | −$1,489 | |
| 8 | $3,420 | 6.500% | $660 | 37 | −$1,463 | |
| 9 | $3,552 | 6.562% | $1,240 | 12 | −$1,331 | |
| 10 | $3,803 | 6.375% | $1,200 | 11 | −$1,080 | |
| 11 | $3,846 | 6.625% | $1,520 | 11 | −$1,037 | |
| 12 | $3,966 | 6.557% | $1,270 | 10 | −$917 | |
| 13 | $4,083 | 6.812% | $1,658 | 30 | −$800 | |
| 14 | $4,205 | 6.625% | $1,665 | 38 | −$678 | |
| 15 | $4,300 | 6.375% | $1,460 | 22 | −$582 | |
| 16 | $4,333 | 6.500% | $1,880 | 43 | −$550 | |
| 17 | $4,558 | 6.990% | $2,411 | 15 | −$325 | |
| 18 | $4,601 | 6.625% | $2,705 | 41 | −$282 | |
| 19 | $4,627 | 7.125% | $1,843 | 12 | −$256 | |
| 20 | $4,643 | 6.625% | $2,520 | 18 | −$240 | |
| 21 | $4,648 | 6.475% | $2,500 | 290 | −$235 | |
| 22 | $4,648 | 6.624% | $1,395 | 16 | −$235 | |
| 23 | $4,779 | 6.775% | $2,396 | 35 | −$104 | |
| 24 | $4,782 | 6.938% | $2,501 | 28 | −$101 | |
| 25 | $4,898 | 5.990% | $2,524 | 14 | +$15 | |
| 26 | $4,949 | 7.500% | $2,500 | 32 | +$66 | |
| 27 | $5,017 | 6.500% | $2,872 | 50 | +$134 | |
| 28 | $5,139 | 6.812% | $2,578 | 133 | +$256 | |
| 29 | $5,458 | 6.875% | $3,527 | 13 | +$575 | |
| 30 | $5,593 | 6.600% | $2,352 | 20 | +$710 | |
| 31 | $5,663 | 6.933% | $2,667 | 16 | +$780 | |
| 32 | $5,683 | 6.875% | $3,449 | 13 | +$800 | |
| 33 | $5,693 | 6.625% | $3,143 | 106 | +$810 | |
| 34 | $5,816 | 6.375% | $4,895 | 13 | +$933 | |
| 35 | $5,846 | 6.812% | $2,625 | 36 | +$963 | |
| 36 | $5,869 | 6.625% | $3,808 | 54 | +$986 | |
| 37 | $5,985 | 6.562% | $3,616 | 12 | +$1,102 | |
| 38 | $6,054 | 6.625% | $3,356 | 15 | +$1,171 | |
| 39 | $6,067 | 6.750% | $3,386 | 22 | +$1,184 | |
| 40 | $6,114 | 6.944% | $3,625 | 63 | +$1,231 | |
| 41 | $6,130 | 6.500% | $4,300 | 97 | +$1,247 | |
| 42 | $6,196 | 6.375% | $3,381 | 92 | +$1,313 | |
| 43 | $6,198 | 7.312% | $3,828 | 10 | +$1,315 | |
| 44 | $6,519 | 6.188% | $4,452 | 34 | +$1,636 | |
| 45 | $6,572 | 8.145% | $3,662 | 22 | +$1,689 | |
| 46 | $6,747 | 6.500% | $3,978 | 60 | +$1,864 | |
| 47 | $7,333 | 6.500% | $4,597 | 11 | +$2,450 | |
| 48 | $7,507 | 6.500% | $5,084 | 24 | +$2,624 | |
| 49 | $7,594 | 6.625% | $4,162 | 36 | +$2,711 | |
| 50 | $8,751 | 5.990% | $6,857 | 101 | +$3,868 | |
| 51 | $9,081 | 6.490% | $6,116 | 42 | +$4,198 | |
| 52 | $10,840 | 9.750% | $8,605 | 15 | +$5,957 |
Includes lenders with 10+ purchase originations in Johnston 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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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.