Lowest closing cost mortgage lenders in Rutherford County County, North Carolina
In Rutherford County, North Carolina, homebuyers paid a median of $5,563 in closing costs in 2024 — below the North Carolina median of $5,720. The county saw 533 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, Truist Bank offered the lowest median costs at $3,873, which is $945 less than the county median.
Homebuyers in Rutherford County County who chose Truist Bank paid $1,690 less in closing costs than the county median.
County Median Costs
$5,563
−2.7% vs North Carolina ($5,720)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$2,420
Purchase Originations
533
vs North Carolina Median
2.7% below
$-157
vs National Median
17.5% below
$-1,178
Lender rankings in Rutherford County County
10 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,873 | 6.490% | $1,350 | 10 | −$945 | |
| 2 | $3,934 | 6.562% | $999 | 10 | −$884 | |
| 3 | $4,089 | 6.525% | $1,939 | 74 | −$729 | |
| 4 | $4,396 | 6.875% | $1,595 | 41 | −$422 | |
| 5 | $5,104 | 6.875% | $2,560 | 11 | +$286 | |
| 6 | $5,368 | 7.124% | $2,600 | 11 | +$550 | |
| 7 | $5,808 | 6.750% | $3,404 | 23 | +$990 | |
| 8 | $6,538 | 6.562% | $3,490 | 16 | +$1,720 | |
| 9 | $7,882 | 8.750% | $4,083 | 19 | +$3,064 |
Includes lenders with 10+ purchase originations in Rutherford 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.