Homebuyers in Transylvania County County who chose First-Citizens Bank & Trust Company paid $603 less in closing costs than the county median.
County Median Costs
$5,698
−0.7% vs North Carolina ($5,736)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,820
Purchase Originations
219
Denial Rate
9.7%
vs North Carolina avg (9.1%)
vs North Carolina Median
0.7% below
$-38
vs National Median
14.7% below
$-982
3 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,095 | 6.500% | $1,495 | 15 | −$363 | |
| 2 | $5,449 | 6.875% | $1,820 | 16 | −$9 | |
| 3 | $5,705 | 6.688% | $1,745 | 10 | +$247 |
Includes lenders with 10+ purchase originations in Transylvania 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.