Lowest closing cost mortgage lenders in Frederick County County, Virginia
In Frederick County, Virginia, homebuyers paid a median of $7,393 in closing costs in 2024 — above the Virginia median of $6,913. The county saw 1,301 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, Shea Mortgage Inc. offered the lowest median costs at $440, which is $5,202 less than the county median.
Homebuyers in Frederick County County who chose Shea Mortgage Inc. paid $6,953 less in closing costs than the county median.
County Median Costs
$7,393
+6.9% vs Virginia ($6,913)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$2,656
Purchase Originations
1,301
vs Virginia Median
6.9% above
$480
vs National Median
9.7% above
$652
Lender rankings in Frederick County County
23 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $440 | 6.625% | $0 | 20 | −$5,202 | |
| 2 | $788 | 5.999% | $0 | 58 | −$4,854 | |
| 3 | $2,839 | 6.125% | $0 | 39 | −$2,803 | |
| 4 | $4,185 | 5.990% | $0 | 51 | −$1,457 | |
| 5 | $4,516 | 6.490% | $1,780 | 12 | −$1,126 | |
| 6 | $4,888 | 6.625% | $1,938 | 23 | −$754 | |
| 7 | $5,087 | 6.875% | $1,871 | 19 | −$555 | |
| 8 | $5,142 | 6.125% | $1,825 | 19 | −$500 | |
| 9 | $5,341 | 6.938% | $1,880 | 12 | −$301 | |
| 10 | $5,641 | 6.625% | $2,304 | 11 | −$1 | |
| 11 | $5,874 | 6.500% | $3,115 | 39 | +$232 | |
| 12 | $5,996 | 6.625% | $2,645 | 13 | +$354 | |
| 13 | $6,214 | 6.912% | $3,097 | 10 | +$572 | |
| 14 | $6,729 | 6.625% | $4,121 | 62 | +$1,087 | |
| 15 | $6,799 | 6.500% | $4,668 | 13 | +$1,157 | |
| 16 | $6,847 | 6.625% | $3,847 | 18 | +$1,205 | |
| 17 | $7,416 | 7.000% | $4,737 | 66 | +$1,774 | |
| 18 | $7,495 | 6.500% | $4,449 | 29 | +$1,853 | |
| 19 | $8,203 | 7.000% | $5,584 | 27 | +$2,561 | |
| 20 | $8,401 | 6.562% | $5,092 | 32 | +$2,759 | |
| 21 | $8,761 | 6.625% | $5,879 | 33 | +$3,119 | |
| 22 | $14,193 | 8.312% | $10,872 | 12 | +$8,551 |
Includes lenders with 10+ purchase originations in Frederick 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
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.