Lowest closing cost mortgage lenders in Mecklenburg County County, North Carolina
In Mecklenburg County, North Carolina, homebuyers paid a median of $5,413 in closing costs in 2024 — below the North Carolina median of $5,720. The county saw 12,618 purchase mortgages at a median rate of 6.56%. Among lenders with 10+ originations, PREMIA MORTGAGE, LLC offered the lowest median costs at $78, which is $4,811 less than the county median.
Homebuyers in Mecklenburg County County who chose PREMIA MORTGAGE, LLC paid $5,335 less in closing costs than the county median.
County Median Costs
$5,413
−5.4% vs North Carolina ($5,720)
Median Rate
6.560%
−0.9% vs national (6.620%)
Median Origination
$1,901
Purchase Originations
12,618
vs North Carolina Median
5.4% below
$-307
vs National Median
19.7% below
$-1,328
Lender rankings in Mecklenburg County County
116 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $78 | 6.425% | $0 | 24 | −$4,811 | |
| 2 | $350 | 6.375% | $0 | 89 | −$4,539 | |
| 3 | $671 | 2.000% | $0 | 26 | −$4,218 | |
| 4 | $724 | 6.500% | $0 | 159 | −$4,165 | |
| 5 | $987 | 2.000% | $0 | 29 | −$3,902 | |
| 6 | $1,230 | 6.125% | $1,230 | 61 | −$3,659 | |
| 7 | $2,415 | 6.000% | $126 | 94 | −$2,474 | |
| 8 | $2,672 | 6.375% | $125 | 130 | −$2,217 | |
| 9 | $3,163 | 7.000% | $1,069 | 11 | −$1,726 | |
| 10 | $3,303 | 6.562% | $0 | 84 | −$1,586 | |
| 11 | $3,310 | 6.250% | $0 | 137 | −$1,579 | |
| 12 | $3,522 | 6.500% | $885 | 10 | −$1,367 | |
| 13 | $3,534 | 6.500% | $250 | 42 | −$1,355 | |
| 14 | $3,847 | 6.375% | $960 | 39 | −$1,042 | |
| 15 | $3,934 | 6.500% | $1,125 | 65 | −$955 | |
| 16 | $3,977 | 5.625% | $1,295 | 11 | −$912 | |
| 17 | $4,155 | 6.500% | $1,077 | 108 | −$734 | |
| 18 | $4,227 | 6.125% | $1,436 | 405 | −$662 | |
| 19 | $4,236 | 6.125% | $1,590 | 218 | −$653 | |
| 20 | $4,257 | 6.625% | $1,335 | 12 | −$632 | |
| 21 | $4,259 | 6.500% | $1,482 | 524 | −$630 | |
| 22 | $4,287 | 6.809% | $1,495 | 105 | −$602 | |
| 23 | $4,337 | 6.433% | $1,550 | 10 | −$552 | |
| 24 | $4,349 | 6.500% | $1,098 | 36 | −$540 | |
| 25 | $4,357 | 6.000% | $815 | 37 | −$532 | |
| 26 | $4,387 | 6.990% | $1,942 | 14 | −$502 | |
| 27 | $4,401 | 7.000% | $1,651 | 15 | −$488 | |
| 28 | $4,414 | 6.625% | $1,395 | 648 | −$475 | |
| 29 | $4,450 | 6.375% | $1,295 | 57 | −$439 | |
| 30 | $4,475 | 6.875% | $1,312 | 13 | −$414 | |
| 31 | $4,536 | 6.625% | $1,495 | 53 | −$353 | |
| 32 | $4,576 | 6.625% | $2,284 | 131 | −$313 | |
| 33 | $4,618 | 6.750% | $1,361 | 49 | −$271 | |
| 34 | $4,684 | 6.625% | $2,172 | 32 | −$205 | |
| 35 | $4,711 | 6.500% | $1,110 | 76 | −$178 | |
| 36 | $4,715 | 6.625% | $2,530 | 10 | −$174 | |
| 37 | $4,720 | 6.500% | $1,451 | 63 | −$169 | |
| 38 | $4,735 | 6.490% | $1,250 | 237 | −$154 | |
| 39 | $4,741 | 6.875% | $1,640 | 49 | −$148 | |
| 40 | $4,758 | 6.625% | $1,992 | 77 | −$132 | |
| 41 | $4,766 | 6.500% | $1,920 | 53 | −$123 | |
| 42 | $4,792 | 6.375% | $1,426 | 25 | −$97 | |
| 43 | $4,848 | 6.812% | $2,149 | 28 | −$41 | |
| 44 | $4,854 | 6.875% | $1,894 | 41 | −$35 | |
| 45 | $4,860 | 6.990% | $1,645 | 30 | −$29 | |
| 46 | $4,881 | 6.500% | $2,500 | 222 | −$8 | |
| 47 | $4,928 | 6.625% | $1,826 | 27 | +$39 | |
| 48 | $4,936 | 6.562% | $1,615 | 62 | +$47 | |
| 49 | $4,952 | 6.688% | $1,070 | 108 | +$63 | |
| 50 | $4,952 | 7.000% | $1,594 | 10 | +$63 | |
| 51 | $4,971 | 6.875% | $1,682 | 653 | +$82 | |
| 52 | $4,980 | 6.990% | $2,313 | 15 | +$91 | |
| 53 | $5,008 | 6.625% | $1,720 | 32 | +$119 | |
| 54 | $5,011 | 6.875% | $1,640 | 33 | +$122 | |
| 55 | $5,055 | 6.562% | $2,226 | 10 | +$166 | |
| 56 | $5,060 | 6.375% | $2,184 | 11 | +$171 | |
| 57 | $5,099 | 6.500% | $2,308 | 333 | +$210 | |
| 58 | $5,120 | 6.875% | $1,838 | 51 | +$231 | |
| 59 | $5,169 | 6.750% | $1,649 | 24 | +$280 | |
| 60 | $5,213 | 6.875% | $2,423 | 207 | +$324 | |
| 61 | $5,214 | 6.875% | $2,318 | 88 | +$325 | |
| 62 | $5,306 | 6.875% | $1,399 | 22 | +$417 | |
| 63 | $5,332 | 6.625% | $1,249 | 39 | +$443 | |
| 64 | $5,340 | 6.375% | $1,810 | 230 | +$451 | |
| 65 | $5,376 | 6.625% | $2,709 | 12 | +$487 | |
| 66 | $5,380 | 6.750% | $1,718 | 103 | +$491 | |
| 67 | $5,384 | 6.625% | $2,460 | 11 | +$495 | |
| 68 | $5,393 | 7.750% | $2,790 | 33 | +$504 | |
| 69 | $5,476 | 6.625% | $2,737 | 28 | +$587 | |
| 70 | $5,485 | 6.625% | $2,469 | 32 | +$596 | |
| 71 | $5,492 | 6.625% | $3,179 | 523 | +$603 | |
| 72 | $5,520 | 6.500% | $2,743 | 16 | +$631 | |
| 73 | $5,540 | 6.375% | $675 | 24 | +$651 | |
| 74 | $5,613 | 6.990% | $3,136 | 32 | +$724 | |
| 75 | $5,614 | 6.250% | $995 | 13 | +$725 | |
| 76 | $5,650 | 6.625% | $2,116 | 469 | +$761 | |
| 77 | $5,676 | 7.058% | $2,875 | 16 | +$787 | |
| 78 | $5,811 | 6.990% | $3,403 | 40 | +$922 | |
| 79 | $5,880 | 6.625% | $2,995 | 15 | +$991 | |
| 80 | $5,915 | 6.625% | $3,341 | 38 | +$1,026 | |
| 81 | $5,932 | 6.688% | $2,998 | 32 | +$1,043 | |
| 82 | $5,941 | 6.500% | $3,157 | 55 | +$1,052 | |
| 83 | $5,987 | 6.625% | $1,300 | 23 | +$1,098 | |
| 84 | $5,992 | 6.625% | $2,831 | 53 | +$1,103 | |
| 85 | $6,042 | 6.875% | $3,610 | 30 | +$1,153 | |
| 86 | $6,084 | 6.625% | $2,966 | 89 | +$1,195 | |
| 87 | $6,092 | 6.250% | $3,800 | 43 | +$1,203 | |
| 88 | $6,114 | 6.500% | $3,231 | 25 | +$1,225 | |
| 89 | $6,138 | 6.990% | $3,610 | 23 | +$1,249 | |
| 90 | $6,163 | 6.625% | $3,304 | 41 | +$1,274 | |
| 91 | $6,221 | 6.990% | $3,270 | 29 | +$1,332 | |
| 92 | $6,245 | 6.625% | $4,005 | 15 | +$1,356 | |
| 93 | $6,406 | 6.500% | $4,000 | 129 | +$1,517 | |
| 94 | $6,461 | 7.125% | $3,339 | 16 | +$1,572 | |
| 95 | $6,636 | 6.625% | $3,997 | 608 | +$1,747 | |
| 96 | $6,745 | 6.490% | $3,810 | 37 | +$1,856 | |
| 97 | $6,754 | 6.750% | $2,416 | 15 | +$1,865 | |
| 98 | $6,802 | 6.625% | $4,055 | 37 | +$1,913 | |
| 99 | $6,843 | 6.990% | $4,514 | 15 | +$1,954 | |
| 100 | $7,010 | 6.624% | $1,007 | 11 | +$2,121 | |
| 101 | $7,230 | 7.125% | $4,317 | 14 | +$2,341 | |
| 102 | $7,257 | 6.875% | $4,687 | 48 | +$2,368 | |
| 103 | $7,364 | 6.624% | $4,588 | 105 | +$2,475 | |
| 104 | $7,483 | 6.875% | $4,729 | 162 | +$2,594 | |
| 105 | $7,558 | 6.375% | $4,498 | 13 | +$2,669 | |
| 106 | $7,588 | 6.625% | $5,582 | 11 | +$2,699 | |
| 107 | $7,770 | 6.625% | $5,499 | 89 | +$2,881 | |
| 108 | $8,603 | 6.625% | $5,459 | 57 | +$3,714 | |
| 109 | $8,935 | 7.000% | $7,056 | 17 | +$4,046 | |
| 110 | $11,618 | 9.250% | $9,220 | 10 | +$6,729 | |
| 111 | $11,886 | 8.875% | $9,296 | 10 | +$6,997 | |
| 112 | $12,069 | 9.750% | $9,167 | 35 | +$7,180 | |
| 113 | $12,628 | 6.625% | $9,834 | 13 | +$7,739 | |
| 114 | $16,204 | 5.875% | $14,024 | 22 | +$11,314 |
Includes lenders with 10+ purchase originations in Mecklenburg 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.