Lowest closing cost mortgage lenders in Wayne County County, North Carolina
In Wayne County, North Carolina, homebuyers paid a median of $6,611 in closing costs in 2024 — above the North Carolina median of $5,720. The county saw 1,271 purchase mortgages at a median rate of 6.38%. Among lenders with 10+ originations, American Security Mortgage Corp. offered the lowest median costs at $3,641, which is $726 less than the county median.
Homebuyers in Wayne County County who chose American Security Mortgage Corp. paid $2,970 less in closing costs than the county median.
County Median Costs
$6,611
+15.6% vs North Carolina ($5,720)
Median Rate
6.380%
−3.6% vs national (6.620%)
Median Origination
$2,194
Purchase Originations
1,271
vs North Carolina Median
15.6% above
$891
vs National Median
1.9% below
$-130
Lender rankings in Wayne County County
20 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,641 | 6.625% | $1,490 | 14 | −$726 | |
| 2 | $3,693 | 6.625% | $1,733 | 13 | −$674 | |
| 3 | $3,851 | 6.200% | $1,896 | 124 | −$516 | |
| 4 | $4,367 | 6.250% | $2,051 | 17 | +$0 | |
| 5 | $4,601 | 6.562% | $2,486 | 10 | +$234 | |
| 6 | $4,710 | 6.445% | $2,461 | 10 | +$343 | |
| 7 | $5,145 | 6.875% | $3,594 | 21 | +$778 | |
| 8 | $5,322 | 6.625% | $2,785 | 23 | +$955 | |
| 9 | $6,045 | 6.688% | $3,493 | 56 | +$1,678 | |
| 10 | $6,203 | 6.625% | $4,040 | 19 | +$1,836 |
Includes lenders with 10+ purchase originations in Wayne 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.