Homebuyers in Orange County County who chose First Bank paid $3,869 less in closing costs than the county median.
County Median Costs
$5,259
−8.3% vs North Carolina ($5,736)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$2,500
Purchase Originations
1,086
Denial Rate
6.2%
vs North Carolina avg (9.1%)
vs North Carolina Median
8.3% below
$-477
vs National Median
21.3% below
$-1,421
22 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,390 | 3.000% | $0 | 23 | −$3,632 | |
| 2 | $3,939 | 6.250% | $1,250 | 15 | −$1,082 | |
| 3 | $4,194 | 6.875% | $1,448 | 10 | −$827 | |
| 4 | $4,235 | 6.375% | $1,500 | 21 | −$786 | |
| 5 | $4,450 | 6.188% | $1,395 | 12 | −$571 | |
| 6 | $4,493 | 6.250% | $1,295 | 11 | −$528 | |
| 7 | $4,606 | 6.375% | $1,802 | 16 | −$415 | |
| 8 | $4,774 | 6.037% | $1,495 | 26 | −$247 | |
| 9 | $4,781 | 5.500% | $2,500 | 169 | −$240 | |
| 10 | $4,839 | 6.500% | $2,411 | 15 | −$182 | |
| 11 | $4,959 | 6.625% | $1,895 | 11 | −$62 | |
| 12 | $5,141 | 6.000% | $2,062 | 14 | +$120 | |
| 13 | $5,372 | 6.625% | $1,745 | 35 | +$351 | |
| 14 | $5,412 | 6.625% | $3,390 | 33 | +$391 | |
| 15 | $5,578 | 6.345% | $2,138 | 22 | +$557 | |
| 16 | $5,638 | 6.625% | $2,771 | 28 | +$617 | |
| 17 | $5,886 | 6.062% | $2,675 | 18 | +$865 | |
| 18 | $6,012 | 6.385% | $3,950 | 41 | +$991 | |
| 19 | $7,222 | 6.500% | $3,810 | 43 | +$2,201 | |
| 20 | $8,369 | 6.625% | $4,644 | 17 | +$3,348 | |
| 21 | $8,440 | 6.500% | $5,928 | 100 | +$3,419 |
Includes lenders with 10+ purchase originations in Orange 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.