Mortgage lender closing cost rankings in Virginia (2024)
In Virginia, homebuyers paid a median of $6,913 in total closing costs on purchase mortgages in 2024, which is above the national median of $6,741. The median interest rate was 6.62% across 84,506 purchase originations. The most active lender was ROCKET MORTGAGE, LLC with 3,855 originations. The lowest-cost lender (with 50+ loans) was CAPITAL CENTER, L.L.C. at $0.
Median Total Costs
$6,913
+2.5% vs national ($6,741)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$2,120
Purchase Originations
84,506
By loan type
| Loan type | Volume | Median Rate | Median Total Costs |
|---|---|---|---|
| conventional | 51,045 | 6.625% | $5,531 |
| fha | 13,501 | 6.500% | $11,890 |
| va | 19,036 | 6.250% | $8,913 |
| usda | 924 | 6.500% | $6,978 |
Lowest closing cost lenders in Virginia
Ranked by median total loan costs among lenders with 50+ purchase originations in Virginia.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.625% | $0 | 553 | −$6,913 | |
| 2 | $684 | 6.625% | $0 | 135 | −$6,229 | |
| 3 | $1,135 | 6.287% | $40 | 58 | −$5,778 | |
| 4 | $2,921 | 5.500% | $0 | 276 | −$3,992 | |
| 5 | $3,093 | 6.750% | $650 | 131 | −$3,820 | |
| 6 | $3,170 | 7.000% | $1,000 | 95 | −$3,743 | |
| 7 | $3,359 | 8.375% | $1,250 | 81 | −$3,554 | |
| 8 | $3,534 | 7.375% | $1,428 | 300 | −$3,379 | |
| 9 | $3,686 | 6.940% | $1,475 | 117 | −$3,227 | |
| 10 | $3,813 | 5.500% | $995 | 233 | −$3,100 | |
| 11 | $3,847 | 6.500% | $1,557 | 110 | −$3,066 | |
| 12 | $3,934 | 6.375% | $1,500 | 127 | −$2,979 | |
| 13 | $3,956 | 7.500% | $1,654 | 183 | −$2,957 | |
| 14 | $3,966 | 6.812% | $750 | 54 | −$2,947 | |
| 15 | $4,200 | 6.575% | $2,000 | 88 | −$2,713 | |
| 16 | $4,213 | 6.125% | $0 | 2,635 | −$2,700 | |
| 17 | $4,250 | 6.500% | $1,195 | 71 | −$2,663 | |
| 18 | $4,297 | 6.500% | $1,736 | 60 | −$2,616 | |
| 19 | $4,316 | 6.375% | $1,000 | 61 | −$2,597 | |
| 20 | $4,334 | 6.250% | $817 | 90 | −$2,579 | |
| 21 | $4,356 | 6.124% | $250 | 69 | −$2,557 | |
| 22 | $4,397 | 6.125% | $250 | 196 | −$2,516 | |
| 23 | $4,420 | 6.375% | $1,125 | 261 | −$2,493 | |
| 24 | $4,425 | 6.875% | $1,260 | 2,013 | −$2,488 | |
| 25 | $4,450 | 6.624% | $1,183 | 264 | −$2,463 |
Includes lenders with 50+ purchase originations in Virginia. Source: HMDA 2024. Sorted by median total loan costs.
Rankings by county
Fairfax County
9,680 originations
Loudoun County
4,946 originations
Prince William County
4,836 originations
Chesterfield County
4,760 originations
Virginia Beach city
4,470 originations
Henrico County
3,300 originations
Chesapeake city
3,086 originations
Norfolk city
2,516 originations
Stafford County
1,946 originations
Richmond city
1,909 originations
Spotsylvania County
1,895 originations
Newport News city
1,770 originations
Suffolk city
1,680 originations
Arlington County
1,598 originations
Alexandria city
1,545 originations
Hampton city
1,526 originations
Portsmouth city
1,355 originations
Frederick County
1,301 originations
Hanover County
1,180 originations
Albemarle County
1,019 originations
Roanoke County
1,007 originations
James City County
991 originations
Roanoke city
874 originations
Fauquier County
826 originations
Bedford County
789 originations
Lynchburg city
747 originations
Rockingham County
712 originations
York County
695 originations
Augusta County
628 originations
Culpeper County
620 originations
Orange County
617 originations
Montgomery County
592 originations
Louisa County
551 originations
Caroline County
541 originations
Isle of Wight County
517 originations
Campbell County
514 originations
Warren County
499 originations
New Kent County
477 originations
Franklin County
453 originations
Shenandoah County
420 originations
Gloucester County
405 originations
King George County
380 originations
Manassas city
367 originations
Goochland County
352 originations
Washington County
348 originations
Henry County
327 originations
Staunton city
323 originations
Powhatan County
318 originations
Pittsylvania County
316 originations
Fluvanna County
304 originations
Prince George County
299 originations
Pulaski County
293 originations
Westmoreland County
292 originations
Petersburg city
291 originations
Botetourt County
288 originations
Waynesboro city
278 originations
Harrisonburg city
275 originations
Amherst County
274 originations
Accomack County
264 originations
Dinwiddie County
264 originations
King William County
258 originations
Hopewell city
252 originations
Danville city
247 originations
Mecklenburg County
246 originations
Winchester city
240 originations
Salem city
233 originations
Fairfax city
232 originations
Carroll County
222 originations
Charlottesville city
220 originations
Greene County
219 originations
Fredericksburg city
218 originations
Poquoson city
214 originations
Wythe County
212 originations
Manassas Park city
207 originations
Page County
206 originations
Colonial Heights city
203 originations
Halifax County
186 originations
Tazewell County
176 originations
Rockbridge County
169 originations
Appomattox County
168 originations
Wise County
155 originations
Russell County
149 originations
Bristol city
145 originations
Prince Edward County
141 originations
Scott County
132 originations
Amelia County
131 originations
Clarke County
130 originations
Smyth County
129 originations
Northumberland County
127 originations
Southampton County
126 originations
Giles County
123 originations
Lancaster County
120 originations
Alleghany County
116 originations
Cumberland County
115 originations
Franklin city
114 originations
Lee County
114 originations
Madison County
114 originations
Middlesex County
108 originations
Nottoway County
107 originations
Buckingham County
104 originations
Patrick County
104 originations
See Virginia closing cost details, fee benchmarks, and county comparisons → Virginia Closing Costs Guide
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.