Lowest closing cost mortgage lenders in Surry County County, North Carolina
In Surry County, North Carolina, homebuyers paid a median of $5,663 in closing costs in 2024 — near the North Carolina median of $5,720. The county saw 512 purchase mortgages at a median rate of 6.65%. Among lenders with 10+ originations, Truist Bank offered the lowest median costs at $3,705, which is $1,043 less than the county median.
Homebuyers in Surry County County who chose Truist Bank paid $1,958 less in closing costs than the county median.
County Median Costs
$5,663
−1.0% vs North Carolina ($5,720)
Median Rate
6.650%
+0.5% vs national (6.620%)
Median Origination
$2,500
Purchase Originations
512
vs North Carolina Median
1.0% below
$-57
vs National Median
16.0% below
$-1,078
Lender rankings in Surry 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 | $3,705 | 6.875% | $1,351 | 11 | −$1,043 | |
| 2 | $3,784 | 6.600% | $1,800 | 84 | −$964 | |
| 3 | $4,987 | 6.625% | $2,767 | 22 | +$239 | |
| 4 | $5,295 | 6.625% | $3,052 | 15 | +$547 | |
| 5 | $5,587 | 6.875% | $3,126 | 32 | +$839 | |
| 6 | $5,712 | 6.990% | $3,507 | 16 | +$964 | |
| 7 | $6,697 | 7.000% | $3,785 | 11 | +$1,949 | |
| 8 | $7,782 | 8.375% | $5,049 | 10 | +$3,034 |
Includes lenders with 10+ purchase originations in Surry 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.