What are the average closing costs in Orange County County?

In Orange County County, the median total loan costs on purchase mortgages were $5,362 in 2024, based on 1,005 originations.

Which lender has the lowest closing costs in Orange County County?

Among lenders with 10+ originations in Orange County County, First Bank had the lowest median total closing costs at $1,199 in 2024.

How do closing costs in Orange County County compare to North Carolina?

Orange County County closing costs (median $5,362) are 6.3% below the North Carolina state median of $5,720.

Lowest closing cost mortgage lenders in Orange County County, North Carolina

In Orange County, North Carolina, homebuyers paid a median of $5,362 in closing costs in 2024 — below the North Carolina median of $5,720. The county saw 1,005 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, First Bank offered the lowest median costs at $1,199, which is $3,912 less than the county median.

Homebuyers in Orange County County who chose First Bank paid $4,163 less in closing costs than the county median.

County Median Costs

$5,362

−6.3% vs North Carolina ($5,720)

Median Rate

6.500%

−1.8% vs national (6.620%)

Median Origination

$2,500

Purchase Originations

1,005

vs North Carolina Median

6.3% below

$-358

vs National Median

20.5% below

$-1,379

Lender rankings in Orange County County

19 lenders with 10+ originations, ranked by median total loan costs.

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	First Bank	$1,199	3.000%	$0	11	−$3,912
2	DHI MORTGAGE COMPANY, LTD.	$2,387	5.875%	$0	23	−$2,724
3	ROCKET MORTGAGE, LLC	$4,203	6.625%	$1,845	31	−$908
4	MOVEMENT MORTGAGE, LLC	$4,366	6.750%	$1,595	36	−$745
5	Wells Fargo Bank, National Association	$4,597	6.250%	$1,806	14	−$514
6	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	$4,654	7.125%	$1,545	11	−$457
7	STATE EMPLOYEES'	$4,723	6.150%	$2,500	110	−$388
8	Fifth Third Bank, National Association	$4,801	6.350%	$1,295	11	−$310
9	KBHS HOME LOANS, LLC	$4,840	6.100%	$2,231	10	−$271
10	Prosperity Home Mortgage, LLC	$5,354	6.875%	$2,439	25	+$243
11	First-Citizens Bank & Trust Company	$5,433	6.575%	$1,509	21	+$322
12	Truist Bank	$5,824	6.490%	$3,008	16	+$713
13	Bank of America, National Association	$5,826	6.062%	$1,756	14	+$715
14	CORPORATE INVESTORS MORTGAGE GROUP, INC	$6,738	6.625%	$4,444	82	+$1,627
15	UNION HOME MORTGAGE CORP.	$6,843	6.625%	$3,951	25	+$1,732
16	First National Bank of Pennsylvania	$6,930	6.625%	$3,785	40	+$1,819
17	UNITED WHOLESALE MORTGAGE, LLC	$7,178	6.625%	$4,626	80	+$2,067
18	JPMorgan Chase Bank, National Association	$7,269	6.750%	$3,289	18	+$2,158
19	American Security Mortgage Corp.	$7,906	6.125%	$5,122	10	+$2,795

Includes lenders with 10+ purchase originations in Orange 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.