Lowest closing cost mortgage lenders in McDowell County County, North Carolina
In McDowell County, North Carolina, homebuyers paid a median of $5,292 in closing costs in 2024 — below the North Carolina median of $5,720. The county saw 311 purchase mortgages at a median rate of 6.65%. Among lenders with 10+ originations, STATE EMPLOYEES' offered the lowest median costs at $4,112, which is $753 less than the county median.
Homebuyers in McDowell County County who chose STATE EMPLOYEES' paid $1,180 less in closing costs than the county median.
County Median Costs
$5,292
−7.5% vs North Carolina ($5,720)
Median Rate
6.650%
+0.5% vs national (6.620%)
Median Origination
$2,500
Purchase Originations
311
vs North Carolina Median
7.5% below
$-428
vs National Median
21.5% below
$-1,449
Lender rankings in McDowell County County
5 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,112 | 6.525% | $2,020 | 59 | −$753 | |
| 2 | $4,431 | 6.562% | $1,595 | 14 | −$434 | |
| 3 | $6,174 | 6.750% | $3,596 | 16 | +$1,309 | |
| 4 | $6,638 | 6.937% | $3,620 | 10 | +$1,773 | |
| 5 | $7,116 | 6.990% | $4,516 | 11 | +$2,251 |
Includes lenders with 10+ purchase originations in McDowell 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.