Lowest closing cost mortgage lenders in Alachua County County, Florida
In Alachua County, Florida, homebuyers paid a median of $6,961 in closing costs in 2024 — below the Florida median of $8,887. The county saw 2,167 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, VYSTAR CREDIT UNION offered the lowest median costs at $3,134, which is $2,728 less than the county median.
Homebuyers in Alachua County County who chose VYSTAR CREDIT UNION paid $3,827 less in closing costs than the county median.
County Median Costs
$6,961
−21.7% vs Florida ($8,887)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$2,050
Purchase Originations
2,167
vs Florida Median
21.7% below
$-1,926
vs National Median
3.3% above
$220
Lender rankings in Alachua County County
32 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,134 | 6.500% | $1,212 | 10 | −$2,728 | |
| 2 | $3,571 | 5.875% | $0 | 12 | −$2,291 | |
| 3 | $3,647 | 5.750% | $0 | 100 | −$2,215 | |
| 4 | $4,489 | 6.975% | $1,495 | 29 | −$1,373 | |
| 5 | $4,809 | 6.625% | $1,230 | 21 | −$1,053 | |
| 6 | $4,934 | 6.875% | $1,829 | 24 | −$928 | |
| 7 | $5,063 | 5.250% | $1,795 | 37 | −$799 | |
| 8 | $5,063 | 6.750% | $1,282 | 30 | −$799 | |
| 9 | $5,225 | 6.990% | $1,545 | 22 | −$637 | |
| 10 | $5,233 | 6.875% | $1,413 | 10 | −$629 | |
| 11 | $5,600 | 6.624% | $2,145 | 22 | −$262 | |
| 12 | $5,759 | 6.250% | $1,175 | 14 | −$103 | |
| 13 | $5,843 | 6.312% | $3,582 | 14 | −$19 | |
| 14 | $5,891 | 6.625% | $2,294 | 99 | +$29 | |
| 15 | $5,928 | 6.500% | $1,000 | 97 | +$66 | |
| 16 | $6,022 | 6.575% | $1,250 | 23 | +$160 | |
| 17 | $6,128 | 6.624% | $2,940 | 66 | +$266 | |
| 18 | $6,153 | 6.500% | $960 | 10 | +$291 | |
| 19 | $6,234 | 6.500% | $2,420 | 17 | +$372 | |
| 20 | $6,284 | 6.600% | $3,346 | 30 | +$422 | |
| 21 | $6,325 | 6.625% | $3,240 | 13 | +$463 | |
| 22 | $6,438 | 8.840% | $4,500 | 11 | +$576 | |
| 23 | $6,668 | 7.000% | $2,849 | 71 | +$806 | |
| 24 | $6,732 | 6.562% | $3,096 | 13 | +$870 | |
| 25 | $6,803 | 7.057% | $4,222 | 12 | +$941 | |
| 26 | $6,805 | 7.062% | $3,628 | 10 | +$943 | |
| 27 | $6,885 | 6.500% | $3,827 | 59 | +$1,023 | |
| 28 | $7,280 | 6.875% | $4,067 | 55 | +$1,418 | |
| 29 | $7,377 | 6.625% | $4,333 | 60 | +$1,515 | |
| 30 | $7,388 | 6.624% | $4,606 | 106 | +$1,526 | |
| 31 | $8,631 | 6.875% | $4,600 | 11 | +$2,769 |
Includes lenders with 10+ purchase originations in Alachua County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Florida → Lender Directory
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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.