Virginia Credit Union, Inc. closing costs and rates (2024)
In 2024, Virginia Credit Union, Inc. originated 678 purchase mortgages at a median interest rate of 6.50% and median total closing costs of $4,482. That ranks #521 nationally by origination volume. For total closing costs among lenders with 500+ originations, Virginia Credit Union, Inc. ranks #156. That is $2,259 below the national median of $6,741. Virginia Credit Union, Inc. is most active in Virginia with 678 originations there.
Purchase Originations
678
Ranked #521 nationally
Median Total Costs
$4,482
−33.5% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$1,411
Median Lender Credits
$1,000
Cost Rank (500+ vol.)
#156
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 519 | 6.500% | $4,031 | $1,425 |
| fha | 125 | 6.250% | $9,226 | $1,479 |
| va | 27 | 6.250% | $8,629 | $762 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 678 | 6.500% | $4,482 | #28 |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,536 | 6.375% | — | 5 | −$946 | |
| 2 | $3,642 | 6.625% | — | 5 | −$840 | |
| 3 | $3,658 | 6.750% | — | 7 | −$824 | |
| 4 | $3,694 | 6.375% | — | 7 | −$788 | |
| 5 | $3,743 | 6.312% | — | 6 | −$739 | |
| 6 | $3,854 | 6.625% | — | 8 | −$628 | |
| 7 | $3,880 | 6.500% | — | 5 | −$602 | |
| 8 | $3,966 | 6.375% | — | 6 | −$516 | |
| 9 | $4,193 | 6.500% | — | 39 | −$289 | |
| 10 | $4,304 | 6.438% | — | 8 | −$178 | |
| 11 | $4,373 | 6.625% | — | 130 | −$109 | |
| 12 | $4,424 | 6.375% | — | 12 | −$58 | |
| 13 | $4,441 | 6.438% | — | 8 | −$41 | |
| 14 | $4,554 | 6.625% | — | 92 | +$72 | |
| 15 | $4,579 | 6.625% | — | 13 | +$97 | |
| 16 | $4,593 | 6.500% | — | 169 | +$111 | |
| 17 | $5,140 | 6.125% | — | 13 | +$658 | |
| 18 | $6,484 | 6.250% | — | 7 | +$2,002 | |
| 19 | $9,647 | 6.750% | — | 7 | +$5,165 | |
| 20 | $10,237 | 6.125% | — | 5 | +$5,755 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.