Homebuyers in James City County County who chose NAVY FEDERAL CREDIT UNION paid $2,684 less in closing costs than the county median.
County Median Costs
$6,134
−10.6% vs Virginia ($6,860)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$1,845
Purchase Originations
965
Denial Rate
4.2%
vs Virginia avg (6.4%)
vs Virginia Median
10.6% below
$-726
vs National Median
8.2% below
$-546
19 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,450 | 6.438% | $0 | 14 | −$2,113 | |
| 2 | $3,774 | 6.375% | $1,538 | 10 | −$1,789 | |
| 3 | $4,054 | 5.375% | $995 | 17 | −$1,509 | |
| 4 | $4,590 | 6.875% | $1,575 | 48 | −$973 | |
| 5 | $4,864 | 6.562% | $1,825 | 30 | −$699 | |
| 6 | $4,888 | 6.625% | $2,195 | 11 | −$675 | |
| 7 | $5,130 | 6.438% | $2,233 | 10 | −$433 | |
| 8 | $5,414 | 6.812% | $2,818 | 24 | −$149 | |
| 9 | $5,729 | 6.625% | $1,640 | 12 | +$166 | |
| 10 | $5,748 | 6.500% | $3,250 | 25 | +$186 | |
| 11 | $5,766 | 6.495% | $3,889 | 12 | +$203 | |
| 12 | $5,921 | 6.490% | $3,060 | 27 | +$358 | |
| 13 | $6,054 | 6.375% | $3,803 | 24 | +$491 | |
| 14 | $7,230 | 6.750% | $4,036 | 58 | +$1,666 | |
| 15 | $7,476 | 6.688% | $1,999 | 16 | +$1,912 | |
| 16 | $8,292 | 6.490% | $5,688 | 19 | +$2,729 | |
| 17 | $8,362 | 6.875% | $5,034 | 18 | +$2,799 | |
| 18 | $8,669 | 6.125% | $5,797 | 12 | +$3,106 |
Includes lenders with 10+ purchase originations in James City County 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.