Homebuyers in Caroline County County who chose NAVY FEDERAL CREDIT UNION paid $6,778 less in closing costs than the county median.
County Median Costs
$9,808
+43.0% vs Virginia ($6,860)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$2,190
Purchase Originations
548
Denial Rate
10.6%
vs Virginia avg (6.4%)
vs Virginia Median
43.0% above
$2,948
vs National Median
46.8% above
$3,128
9 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,030 | 6.750% | $0 | 10 | −$2,630 | |
| 2 | $5,063 | 6.781% | $1,780 | 16 | −$597 | |
| 3 | $5,531 | 6.745% | $1,486 | 10 | −$129 | |
| 4 | $6,025 | 6.625% | $4,554 | 18 | +$365 | |
| 5 | $6,122 | 5.500% | $2,250 | 11 | +$462 | |
| 6 | $7,519 | 6.250% | $5,583 | 17 | +$1,859 |
Includes lenders with 10+ purchase originations in Caroline 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.