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

In Wake County, North Carolina, homebuyers paid a median of $4,829 in closing costs in 2024 — below the North Carolina median of $5,720. The county saw 14,033 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, PULTE MORTGAGE LLC offered the lowest median costs at $659, which is $3,880 less than the county median.

Homebuyers in Wake County County who chose PULTE MORTGAGE LLC paid $4,170 less in closing costs than the county median.

County Median Costs

$4,829

−15.6% vs North Carolina ($5,720)

Median Rate

6.500%

−1.8% vs national (6.620%)

Median Origination

$1,750

Purchase Originations

14,033

vs North Carolina Median

15.6% below

$-891

vs National Median

28.4% below

$-1,912

Lender rankings in Wake County County

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

RankLenderMedian Total Costs ↑Median Rate ↕Median Origination ↕Volume ↕vs. Median
1$6596.375%$0224−$3,880
2$6756.525%$019−$3,864
3$1,1942.500%$016−$3,345
4$1,1975.990%$1,190692−$3,342
5$1,5792.000%$016−$2,960
6$2,5015.625%$0135−$2,038
7$2,8446.250%$0115−$1,695
8$2,8726.624%$126117−$1,667
9$2,9226.500%$17133−$1,617
10$3,0256.490%$25058−$1,514
11$3,0576.125%$125191−$1,482
12$3,1005.875%$1,89511−$1,439
13$3,2516.625%$010−$1,288
14$3,2606.375%$16413−$1,279
15$3,3006.312%$95016−$1,239
16$3,3816.375%$76941−$1,158
17$3,5026.500%$69513−$1,037
18$3,5096.500%$47938−$1,030
19$3,5886.490%$1,17513−$951
20$3,8056.375%$1,295109−$734
21$3,8086.500%$1,125136−$731
22$3,8586.938%$1,08520−$681
23$3,9336.500%$1,49346−$606
24$3,9406.625%$1,27064−$599
25$3,9466.625%$1,229141−$593
26$3,9576.500%$1,410282−$582
27$3,9666.723%$99025−$573
28$3,9926.875%$1,49516−$547
29$4,0126.495%$1,09532−$527
30$4,0186.562%$1,18416−$521
31$4,0316.375%$1,09512−$508
32$4,0416.625%$1,49032−$498
33$4,0526.500%$1,63714−$487
34$4,0596.725%$1,49510−$480
35$4,0606.933%$1,29516−$479
36$4,0756.495%$1,55050−$464
37$4,1166.375%$1,20013−$423
38$4,1256.525%$1,64020−$414
39$4,1267.438%$1,29510−$413
40$4,1456.500%$1,39912−$394
41$4,1556.875%$1,49523−$384
42$4,1885.875%$1,225139−$351
43$4,2026.625%$1,82026−$337
44$4,2026.625%$1,22572−$337
45$4,2146.150%$81535−$325
46$4,2266.625%$1,77515−$313
47$4,2655.990%$1,76025−$274
48$4,2896.495%$1,49418−$250
49$4,3126.500%$1,24917−$227
50$4,3216.500%$960109−$218
51$4,3266.625%$1,19010−$213
52$4,3306.500%$1,500152−$209
53$4,3336.812%$1,39586−$206
54$4,3466.750%$1,97127−$193
55$4,3586.000%$2,067218−$181
56$4,3696.625%$1,395180−$170
57$4,3766.625%$1,07010−$163
58$4,4196.188%$1,09018−$120
59$4,4816.875%$1,866179−$58
60$4,4996.625%$1,49547−$40
61$4,5066.500%$1,37052−$33
62$4,5116.812%$1,595462−$28
63$4,5306.625%$1,88225−$9
64$4,5686.500%$1,31049+$29
65$4,5716.875%$1,683205+$32
66$4,5916.490%$1,557318+$52
67$4,6006.500%$2,184501+$61
68$4,6026.990%$1,82117+$63
69$4,6106.500%$1,395220+$71
70$4,6226.990%$1,686196+$83
71$4,6346.625%$1,89477+$95
72$4,7016.875%$2,04116+$162
73$4,7136.625%$1,778108+$174
74$4,7216.500%$2,208143+$182
75$4,7496.625%$2,14025+$210
76$4,7666.624%$1,628124+$227
77$4,7956.250%$2,500761+$256
78$4,7966.500%$2,642156+$257
79$4,8596.625%$2,21624+$320
80$4,8687.750%$2,43017+$329
81$4,9836.625%$1,838126+$444
82$5,0066.875%$2,61424+$467
83$5,0747.125%$2,71918+$535
84$5,0816.624%$2,87624+$542
85$5,1746.750%$2,80422+$635
86$5,2536.625%$1,62922+$714
87$5,2726.625%$2,55433+$733
88$5,3166.625%$2,15622+$777
89$5,3506.625%$2,838122+$811
90$5,4486.875%$2,91993+$909
91$5,4926.625%$3,30232+$953
92$5,5016.500%$2,12113+$962
93$5,5247.000%$2,62163+$985
94$5,5316.625%$3,06547+$992
95$5,5466.750%$1,99751+$1,007
96$5,5526.625%$1,64510+$1,013
97$5,7036.625%$3,64354+$1,164
98$5,7606.625%$2,89476+$1,221
99$5,7706.625%$3,381658+$1,231
100$5,9276.933%$3,22812+$1,388
101$5,9886.500%$3,834236+$1,449
102$5,9976.625%$3,612118+$1,458
103$6,0626.375%$3,77512+$1,523
104$6,0775.625%$3,434147+$1,538
105$6,0866.688%$3,41440+$1,547
106$6,1246.624%$3,37519+$1,584
107$6,2266.875%$3,189239+$1,687
108$6,2526.750%$3,60813+$1,713
109$6,4316.875%$3,58935+$1,892
110$6,4466.625%$4,00063+$1,907
111$6,4606.500%$4,56216+$1,921
112$6,6526.562%$3,36214+$2,113
113$6,6546.750%$4,45825+$2,115
114$6,6786.750%$4,05812+$2,139
115$6,7576.875%$4,13663+$2,218
116$7,0876.500%$4,158181+$2,548
117$7,1186.875%$4,59840+$2,579
118$7,2666.625%$4,60232+$2,727
119$7,2776.688%$5,12394+$2,738
120$7,3016.625%$4,25710+$2,762
121$7,3526.625%$4,56126+$2,813
122$7,4396.688%$4,95962+$2,900
123$7,5986.875%$4,82672+$3,059
124$7,6056.875%$3,83526+$3,066
125$7,8256.625%$5,49968+$3,286
126$8,4955.990%$6,020111+$3,956
127$9,7476.625%$6,81210+$5,208
128$10,1326.933%$7,25018+$5,593
129$11,0796.490%$8,59513+$6,540
130$12,9019.375%$10,46117+$8,362

Includes lenders with 10+ purchase originations in Wake 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.