Lowest closing cost mortgage lenders in Flagler County County, Florida
In Flagler County, Florida, homebuyers paid a median of $8,072 in closing costs in 2024 — below the Florida median of $8,887. The county saw 2,245 purchase mortgages at a median rate of 6.38%. Among lenders with 10+ originations, VYSTAR CREDIT UNION offered the lowest median costs at $2,314, which is $3,947 less than the county median.
Homebuyers in Flagler County County who chose VYSTAR CREDIT UNION paid $5,758 less in closing costs than the county median.
County Median Costs
$8,072
−9.2% vs Florida ($8,887)
Median Rate
6.380%
−3.6% vs national (6.620%)
Median Origination
$1,861
Purchase Originations
2,245
vs Florida Median
9.2% below
$-815
vs National Median
19.7% above
$1,331
Lender rankings in Flagler County County
31 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,314 | 6.875% | $1,295 | 16 | −$3,947 | |
| 2 | $3,065 | 5.500% | $0 | 113 | −$3,196 | |
| 3 | $3,860 | 5.875% | $0 | 13 | −$2,401 | |
| 4 | $4,369 | 6.688% | $995 | 10 | −$1,892 | |
| 5 | $5,087 | 6.375% | $1,550 | 12 | −$1,174 | |
| 6 | $5,125 | 5.990% | $1,380 | 47 | −$1,136 | |
| 7 | $5,274 | 6.808% | $1,605 | 12 | −$987 | |
| 8 | $5,334 | 6.250% | $2,004 | 22 | −$927 | |
| 9 | $5,537 | 6.588% | $2,127 | 10 | −$724 | |
| 10 | $6,042 | 6.500% | $1,931 | 17 | −$219 | |
| 11 | $6,668 | 6.625% | $3,232 | 13 | +$407 | |
| 12 | $6,754 | 6.750% | $2,802 | 14 | +$493 | |
| 13 | $6,780 | 6.990% | $3,185 | 17 | +$519 | |
| 14 | $6,824 | 6.490% | $2,395 | 14 | +$563 | |
| 15 | $6,834 | 6.990% | $4,431 | 17 | +$573 | |
| 16 | $6,974 | 6.500% | $4,000 | 21 | +$713 | |
| 17 | $7,081 | 7.250% | $3,260 | 41 | +$820 | |
| 18 | $7,291 | 6.500% | $4,189 | 78 | +$1,030 | |
| 19 | $7,297 | 7.125% | $4,111 | 10 | +$1,036 | |
| 20 | $7,521 | 6.625% | $4,622 | 15 | +$1,260 | |
| 21 | $7,669 | 6.312% | $4,532 | 10 | +$1,408 | |
| 22 | $7,703 | 6.625% | $4,125 | 197 | +$1,442 | |
| 23 | $7,726 | 6.875% | $5,569 | 26 | +$1,465 | |
| 24 | $8,214 | 6.990% | $3,745 | 11 | +$1,953 | |
| 25 | $8,235 | 6.625% | $5,336 | 17 | +$1,974 | |
| 26 | $8,326 | 6.625% | $3,975 | 15 | +$2,065 | |
| 27 | $8,374 | 6.700% | $4,850 | 37 | +$2,114 | |
| 28 | $10,668 | 6.375% | $3,270 | 13 | +$4,407 |
Includes lenders with 10+ purchase originations in Flagler 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.