Virginia · Q1 2026
What Virginia borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 644 lenders.
Published 2026-04-29.
Virginia · headline
The gap between Virginia's lowest- and highest-cost ranked lenders in 2025 was $6,292 on a typical loan — borrowers using American Neighborhood Mortgage Acceptance Company LLC paid roughly 305% more than borrowers using Navy Federal Credit Union on similar loans.
Source: FFIEC HMDA 2025 (n=145,135)
In 2025, 644 mortgage lenders originated 145,135 reportable loans in Virginia according to FFIEC HMDA data. The median borrower paid $6,029 in total loan costs. That is 42.1% above the national median across all 50 states and DC.
Virginia's median total loan cost was $6,029, 42.1% above the national median of $4,242. On a typical loan, that translates to roughly $1,787 more than borrowers paid in the average state.
Navy Federal Credit Union posted the lowest median total loan costs at $2,066, 65.7% below the Virginia median. Across the ranked lenders, 8 earned an A grade against peer averages and 1 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Virginia are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $5,010 | $3,189 | 14,477 | A |
| 2 | United Wholesale Mortgage | $7,870 | $4,115 | 9,201 | C |
| 3 | Navy Federal Credit Union | $2,066 | $5,000 | 5,889 | A |
| 4 | Mortgage Research Center, LLC | $6,020 | $2,925 | 4,500 | A |
| 5 | Atlantic Bay Mortgage Group, L.L.C. | $7,307 | $2,951 | 4,232 | B |
| 6 | Pennymac | $5,140 | $2,744 | 4,127 | A |
| 7 | Movement Mortgage | $6,534 | $2,015 | 4,097 | A |
| 8 | Freedom Mortgage | $6,907 | $3,795 | 3,614 | B |
| 9 | Atlantic Coast Mortgage, LLC | $6,762 | $2,147 | 2,745 | A |
| 10 | NVR Mortgage Finance, Inc. | $7,519 | $5,059 | 2,711 | B |
Virginia median total loan cost
Virginia borrowers paid a median $6,029 in total loan costs in 2025, based on 145,135 HMDA-reported loans across 644 lenders.
FFIEC HMDA 2025
Lender spread in Virginia
In Virginia, the gap between Navy Federal Credit Union ($2,066 median) and American Neighborhood Mortgage Acceptance Company LLC ($8,358 median) was $6,292 on a typical 2025 loan.
FFIEC HMDA 2025
Virginia vs. national
Virginia closing costs ran 42.1% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Virginia was $2,130, with the typical lender clustering tightly around that figure. Discount points appeared on 55% of loans, with a median paid amount of $2,612 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 36% of loans, with a median credit of $449.
Avg $3,879
Median $2,612 when present
Median $449 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Virginia) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Virginia
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