Homebuyers in Lynchburg city County who chose MORTGAGE RESEARCH CENTER, LLC paid $5,056 less in closing costs than the county median.
County Median Costs
$5,744
−16.3% vs Virginia ($6,860)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,974
Purchase Originations
714
Denial Rate
7.7%
vs Virginia avg (6.4%)
vs Virginia Median
16.3% below
$-1,116
vs National Median
14.0% below
$-936
15 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $828 | 6.990% | $0 | 23 | −$3,996 | |
| 2 | $1,002 | 6.500% | $0 | 11 | −$3,822 | |
| 3 | $3,422 | 6.625% | $1,015 | 11 | −$1,402 | |
| 4 | $4,584 | 6.562% | $2,086 | 20 | −$240 | |
| 5 | $4,617 | 6.500% | $2,042 | 12 | −$207 | |
| 6 | $4,858 | 6.750% | $2,434 | 15 | +$34 | |
| 7 | $4,912 | 6.500% | $3,343 | 61 | +$88 | |
| 8 | $4,927 | 6.750% | $2,367 | 17 | +$103 | |
| 9 | $5,177 | 6.625% | $2,468 | 42 | +$353 | |
| 10 | $5,541 | 5.990% | $2,642 | 11 | +$717 | |
| 11 | $6,889 | 6.490% | $3,224 | 13 | +$2,065 | |
| 12 | $7,236 | 6.558% | $3,079 | 12 | +$2,412 | |
| 13 | $7,506 | 6.562% | $4,761 | 10 | +$2,682 | |
| 14 | $7,667 | 6.490% | $2,281 | 13 | +$2,843 |
Includes lenders with 10+ purchase originations in Lynchburg 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
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 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.