Lowest closing cost mortgage lenders in Harrisonburg city County, Virginia
In Harrisonburg city, Virginia, homebuyers paid a median of $5,841 in closing costs in 2024 — below the Virginia median of $6,913. The county saw 275 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, F & M BANK CORP. offered the lowest median costs at $3,344, which is $1,322 less than the county median.
Homebuyers in Harrisonburg city County who chose F & M BANK CORP. paid $2,497 less in closing costs than the county median.
County Median Costs
$5,841
−15.5% vs Virginia ($6,913)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$2,600
Purchase Originations
275
vs Virginia Median
15.5% below
$-1,072
vs National Median
13.3% below
$-900
Lender rankings in Harrisonburg 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 | $3,344 | 6.625% | $1,340 | 28 | −$1,322 | |
| 2 | $5,087 | 6.562% | $2,900 | 12 | +$420 | |
| 3 | $5,417 | 6.625% | $2,979 | 15 | +$750 | |
| 4 | $6,126 | 6.562% | $4,156 | 12 | +$1,459 | |
| 5 | $7,331 | 6.625% | $4,584 | 33 | +$2,664 |
Includes lenders with 10+ purchase originations in Harrisonburg 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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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.