Homebuyers in Charlottesville city County who chose Gray Fox Mortgage, LLC paid $456 less in closing costs than the county median.
County Median Costs
$5,476
−20.2% vs Virginia ($6,860)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,590
Purchase Originations
207
Denial Rate
3.4%
vs Virginia avg (6.4%)
vs Virginia Median
20.2% below
$-1,384
vs National Median
18.0% below
$-1,204
5 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,020 | 6.990% | $1,576 | 14 | −$351 | |
| 2 | $5,164 | 6.438% | $1,560 | 22 | −$207 | |
| 3 | $5,459 | 6.365% | $1,259 | 10 | +$88 | |
| 4 | $7,149 | 6.624% | $4,622 | 14 | +$1,778 | |
| 5 | $7,202 | 6.990% | $3,938 | 13 | +$1,831 |
Includes lenders with 10+ purchase originations in Charlottesville city 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.