Average Loan Estimate Fees in North Carolina (2025)
Last Updated: April 2026 · Data: Optimal Blue OBMMI via Federal Reserve FRED API
North Carolina Average
$5,130
Total lender & third-party fees
National Average
$6,425
North Carolina is 20% below the national average
Fee-by-Fee Breakdown (2025)
| Fee Type | North Carolina | National | Negotiable? |
|---|---|---|---|
| Origination Fee | $1,430 | $1,820 | Yes |
| Underwriting Fee | $755 | $830 | Yes |
| Processing Fee | $495 | $625 | Yes |
| Application Fee | $205 | $260 | Yes |
| Rate Lock Fee | $245 | $310 | Yes |
| Appraisal Fee | $410 | $520 | No |
| Title Insurance | $910 | $1,300 | No |
| Settlement Fee | $490 | $520 | Yes |
| Document Prep Fee | $165 | $210 | Yes |
| Flood Certification | $25 | $30 | No |
| Total | $5,130 | $6,425 |
Mortgage Closing Costs in North Carolina
In 2025, borrowers in North Carolina can expect total loan estimate fees of approximately $5,130 on average — 20% lower than the national average of $6,425. 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.
Data Note
Fee benchmarks reflect 2025 market conditions. Lender fees have trended approximately 2% higher per year since 2023 due to operational cost increases. Actual fees on your Loan Estimate may vary by lender, loan type, and loan amount.
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