Average Loan Estimate Fees in North Carolina (2023)
Last Updated: April 2026 · Data: Optimal Blue OBMMI via Federal Reserve FRED API
North Carolina Average
$5,075
Total lender & third-party fees
National Average
$6,180
North Carolina is 18% below the national average
Fee-by-Fee Breakdown (2023)
| Fee Type | North Carolina | National | Negotiable? |
|---|---|---|---|
| Origination Fee | $1,430 | $1,750 | Yes |
| Underwriting Fee | $755 | $800 | Yes |
| Processing Fee | $475 | $600 | Yes |
| Application Fee | $200 | $250 | Yes |
| Rate Lock Fee | $235 | $300 | Yes |
| Appraisal Fee | $395 | $500 | No |
| Title Insurance | $910 | $1,250 | No |
| Settlement Fee | $490 | $500 | Yes |
| Document Prep Fee | $160 | $200 | Yes |
| Flood Certification | $25 | $30 | No |
| Total | $5,075 | $6,180 |
Mortgage Closing Costs in North Carolina
In 2023, borrowers in North Carolina can expect total loan estimate fees of approximately $5,075 on average — 18% lower than the national average of $6,180. The lower costs in North Carolina reflect a competitive local lending market and relatively lower operating costs for title and settlement services. Of the fees listed above, the negotiable ones represent your best opportunity to reduce out-of-pocket closing costs — simply asking your lender to reduce or waive these fees before closing can save hundreds of dollars.
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