Homebuyers in Albemarle County County who chose NAVY FEDERAL CREDIT UNION paid $2,209 less in closing costs than the county median.
County Median Costs
$5,802
−15.4% vs Virginia ($6,860)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,730
Purchase Originations
995
Denial Rate
4.3%
vs Virginia avg (6.4%)
vs Virginia Median
15.4% below
$-1,058
vs National Median
13.1% below
$-878
19 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,593 | 6.500% | $0 | 18 | −$2,006 | |
| 2 | $4,624 | 6.125% | $613 | 19 | −$975 | |
| 3 | $4,744 | 6.500% | $1,846 | 49 | −$855 | |
| 4 | $4,809 | 6.625% | $1,706 | 22 | −$790 | |
| 5 | $4,819 | 6.350% | $1,250 | 14 | −$780 | |
| 6 | $5,292 | 6.750% | $1,923 | 16 | −$307 | |
| 7 | $5,376 | 6.625% | $1,576 | 107 | −$223 | |
| 8 | $5,428 | 6.750% | $2,354 | 27 | −$171 | |
| 9 | $5,564 | 6.750% | $2,362 | 22 | −$35 | |
| 10 | $5,665 | 6.125% | $1,500 | 14 | +$66 | |
| 11 | $5,741 | 6.000% | $1,110 | 10 | +$142 | |
| 12 | $5,778 | 6.875% | $2,611 | 21 | +$179 | |
| 13 | $5,832 | 6.490% | $2,705 | 26 | +$233 | |
| 14 | $5,875 | 6.375% | $2,029 | 81 | +$276 | |
| 15 | $6,017 | 6.500% | $2,348 | 13 | +$418 | |
| 16 | $6,123 | 6.438% | $1,449 | 54 | +$524 | |
| 17 | $7,764 | 6.625% | $5,643 | 49 | +$2,165 | |
| 18 | $9,051 | 6.875% | $5,834 | 10 | +$3,452 | |
| 19 | $10,259 | 6.375% | $6,393 | 17 | +$4,660 |
Includes lenders with 10+ purchase originations in Albemarle County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Virginia → Lender Directory
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Data source: HMDA Modified Loan Application Register 2025, 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.