Lowest closing cost mortgage lenders in James City County County, Virginia
In James City County, Virginia, homebuyers paid a median of $6,701 in closing costs in 2024 — below the Virginia median of $6,913. The county saw 991 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, NAVY FEDERAL CREDIT UNION offered the lowest median costs at $2,985, which is $2,354 less than the county median.
Homebuyers in James City County County who chose NAVY FEDERAL CREDIT UNION paid $3,716 less in closing costs than the county median.
County Median Costs
$6,701
−3.1% vs Virginia ($6,913)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$1,999
Purchase Originations
991
vs Virginia Median
3.1% below
$-212
vs National Median
0.6% below
$-40
Lender rankings in James City County County
18 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,985 | 6.250% | $0 | 37 | −$2,354 | |
| 2 | $3,783 | 5.500% | $995 | 21 | −$1,556 | |
| 3 | $4,180 | 5.875% | $1,500 | 15 | −$1,160 | |
| 4 | $4,613 | 7.000% | $1,499 | 34 | −$726 | |
| 5 | $4,928 | 6.500% | $1,825 | 71 | −$411 | |
| 6 | $5,030 | 6.625% | $1,540 | 12 | −$309 | |
| 7 | $5,188 | 6.240% | $1,482 | 10 | −$151 | |
| 8 | $5,598 | 6.625% | $2,503 | 11 | +$259 | |
| 9 | $6,002 | 6.500% | $3,876 | 13 | +$663 | |
| 10 | $6,263 | 6.594% | $3,345 | 38 | +$924 | |
| 11 | $7,037 | 6.562% | $4,190 | 16 | +$1,698 | |
| 12 | $7,082 | 6.990% | $4,142 | 14 | +$1,743 | |
| 13 | $7,274 | 6.625% | $4,596 | 29 | +$1,935 | |
| 14 | $7,276 | 7.062% | $1,999 | 16 | +$1,938 | |
| 15 | $7,376 | 7.250% | $4,270 | 25 | +$2,036 | |
| 16 | $8,043 | 6.875% | $5,084 | 12 | +$2,704 | |
| 17 | $8,234 | 6.990% | $5,127 | 38 | +$2,895 |
Includes lenders with 10+ purchase originations in James City 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
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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.