Mortgage Company · North Carolina · NMLS #66247
Avg Closing Costs
$19,171
median across reports
vs. National Average
17%
above national avg
Avg Origination Charge
$8,816
Section A lender fee
Reports with Junk Fees
38%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $8,816 | $7,829 | 🔴 Above Avg |
| Title Insurance | $3,643 | $3,110 | 🔴 Above Avg |
| Underwriting Fee | $1,672 | $1,459 | 🔴 Above Avg |
| Appraisal | $1,198 | $1,065 | 🔴 Above Avg |
| Settlement/Closing Fee | $1,103 | $973 | 🔴 Above Avg |
| Processing Fee | $880 | $777 | 🔴 Above Avg |
| Title Search | $436 | $388 | 🔴 Above Avg |
| Recording Fee | $382 | $340 | 🔴 Above Avg |
| Rate Lock Fee | $310 | $347 | 🟢 Below Avg |
| Document Preparation | $157 | $164 | 🟡 Average |
| Tax Service Fee | $143 | $126 | 🔴 Above Avg |
| Credit Report | $78 | $68 | 🔴 Above Avg |
| Wire Transfer Fee | $77 | $68 | 🔴 Above Avg |
| Courier/Delivery | $68 | $58 | 🔴 Above Avg |
| Flood Certification | $26 | $23 | 🔴 Above Avg |
Based on 47 homebuyer-submitted Closing Disclosures, Cardinal Financial's median total closing costs are $19,171. This is about 17% above the $16,418 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
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What Are Junk Fees on a Mortgage?
Spot the charges that pad lender profits.
How to Read Your Closing Disclosure
Page-by-page walkthrough of the 5-page form.
Average Closing Costs by State
Benchmark your costs against the state average.
Closing Costs in North Carolina
State-specific benchmarks for North Carolina.
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