Lowest closing cost mortgage lenders in Albemarle County County, Virginia
In Albemarle County, Virginia, homebuyers paid a median of $5,862 in closing costs in 2024 — below the Virginia median of $6,913. The county saw 1,019 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, NAVY FEDERAL CREDIT UNION offered the lowest median costs at $3,362, which is $2,086 less than the county median.
Homebuyers in Albemarle County County who chose NAVY FEDERAL CREDIT UNION paid $2,500 less in closing costs than the county median.
County Median Costs
$5,862
−15.2% vs Virginia ($6,913)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,943
Purchase Originations
1,019
vs Virginia Median
15.2% below
$-1,051
vs National Median
13.0% below
$-879
Lender rankings in Albemarle County County
20 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,362 | 6.125% | $0 | 16 | −$2,086 | |
| 2 | $3,788 | 6.438% | $0 | 10 | −$1,660 | |
| 3 | $4,838 | 7.000% | $1,499 | 21 | −$610 | |
| 4 | $4,884 | 7.062% | $1,645 | 22 | −$564 | |
| 5 | $5,006 | 6.700% | $1,250 | 19 | −$442 | |
| 6 | $5,018 | 6.625% | $1,360 | 89 | −$430 | |
| 7 | $5,126 | 6.933% | $1,804 | 14 | −$322 | |
| 8 | $5,300 | 6.625% | $2,896 | 33 | −$148 | |
| 9 | $5,442 | 6.990% | $2,196 | 96 | −$6 | |
| 10 | $5,494 | 6.990% | $2,224 | 17 | +$46 | |
| 11 | $5,509 | 7.000% | $1,682 | 22 | +$61 | |
| 12 | $5,547 | 6.250% | $1,573 | 12 | +$99 | |
| 13 | $5,726 | 6.875% | $1,449 | 75 | +$278 | |
| 14 | $5,727 | 6.625% | $2,650 | 21 | +$279 | |
| 15 | $5,901 | 6.625% | $2,699 | 23 | +$453 | |
| 16 | $6,145 | 6.438% | $1,340 | 12 | +$697 | |
| 17 | $7,055 | 6.624% | $4,445 | 47 | +$1,607 | |
| 18 | $7,590 | 6.500% | $4,470 | 16 | +$2,142 | |
| 19 | $9,370 | 6.688% | $6,262 | 12 | +$3,922 |
Includes lenders with 10+ purchase originations in Albemarle County County. Source: HMDA 2024. 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 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.