Lowest closing cost mortgage lenders in Bedford County County, Virginia
In Bedford County, Virginia, homebuyers paid a median of $5,916 in closing costs in 2024 — below the Virginia median of $6,913. The county saw 789 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, NAVY FEDERAL CREDIT UNION offered the lowest median costs at $3,123, which is $1,819 less than the county median.
Homebuyers in Bedford County County who chose NAVY FEDERAL CREDIT UNION paid $2,793 less in closing costs than the county median.
County Median Costs
$5,916
−14.4% vs Virginia ($6,913)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$2,315
Purchase Originations
789
vs Virginia Median
14.4% below
$-997
vs National Median
12.2% below
$-825
Lender rankings in Bedford County County
15 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,123 | 6.500% | $0 | 10 | −$1,819 | |
| 2 | $4,165 | 6.990% | $2,372 | 16 | −$777 | |
| 3 | $4,309 | 6.500% | $1,467 | 12 | −$633 | |
| 4 | $4,508 | 6.933% | $1,936 | 18 | −$434 | |
| 5 | $4,879 | 6.625% | $2,065 | 15 | −$63 | |
| 6 | $4,895 | 6.990% | $1,714 | 41 | −$47 | |
| 7 | $4,901 | 7.125% | $1,331 | 16 | −$41 | |
| 8 | $4,949 | 6.875% | $2,637 | 16 | +$7 | |
| 9 | $5,134 | 6.625% | $2,415 | 12 | +$192 | |
| 10 | $5,446 | 6.625% | $3,568 | 56 | +$504 | |
| 11 | $5,618 | 6.899% | $2,704 | 20 | +$676 | |
| 12 | $5,725 | 6.500% | $1,962 | 13 | +$783 | |
| 13 | $5,738 | 6.990% | $2,976 | 34 | +$796 | |
| 14 | $7,624 | 6.438% | $4,745 | 10 | +$2,682 |
Includes lenders with 10+ purchase originations in Bedford 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.