What are the average closing costs in Charlottesville city County?

In Charlottesville city County, the median total loan costs on purchase mortgages were $5,391 in 2024, based on 220 originations.

Which lender has the lowest closing costs in Charlottesville city County?

Among lenders with 10+ originations in Charlottesville city County, First Heritage Mortgage, LLC had the lowest median total closing costs at $4,343 in 2024.

How do closing costs in Charlottesville city County compare to Virginia?

Charlottesville city County closing costs (median $5,391) are 22.0% below the Virginia state median of $6,913.

Lowest closing cost mortgage lenders in Charlottesville city County, Virginia

In Charlottesville city, Virginia, homebuyers paid a median of $5,391 in closing costs in 2024 — below the Virginia median of $6,913. The county saw 220 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, First Heritage Mortgage, LLC offered the lowest median costs at $4,343, which is $822 less than the county median.

Homebuyers in Charlottesville city County who chose First Heritage Mortgage, LLC paid $1,048 less in closing costs than the county median.

County Median Costs

$5,391

−22.0% vs Virginia ($6,913)

Median Rate

6.620%

+0.0% vs national (6.620%)

Median Origination

$1,684

Purchase Originations

220

vs Virginia Median

22.0% below

$-1,522

vs National Median

20.0% below

$-1,350

Lender rankings in Charlottesville city County

5 lenders with 10+ originations, ranked by median total loan costs.

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	First Heritage Mortgage, LLC	$4,343	6.625%	$1,360	26	−$822
2	ROCKET MORTGAGE, LLC	$4,965	6.120%	$2,545	10	−$200
3	Gray Fox Mortgage, LLC	$5,190	7.058%	$1,576	18	+$25
4	Fulton Bank, National Association	$5,574	6.750%	$1,449	11	+$410
5	NFM, INC.	$6,130	7.250%	$3,268	12	+$965

Includes lenders with 10+ purchase originations in Charlottesville city 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.