Lowest closing cost mortgage lenders in Orange County County, Virginia
In Orange County, Virginia, homebuyers paid a median of $8,543 in closing costs in 2024 — above the Virginia median of $6,913. The county saw 617 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, HOMEAMERICAN MORTGAGE CORPORATION offered the lowest median costs at $1,168, which is $4,785 less than the county median.
Homebuyers in Orange County County who chose HOMEAMERICAN MORTGAGE CORPORATION paid $7,375 less in closing costs than the county median.
County Median Costs
$8,543
+23.6% vs Virginia ($6,913)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$2,190
Purchase Originations
617
vs Virginia Median
23.6% above
$1,630
vs National Median
26.7% above
$1,802
Lender rankings in Orange County County
10 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,168 | 5.125% | $0 | 11 | −$4,785 | |
| 2 | $4,131 | 6.125% | $0 | 11 | −$1,822 | |
| 3 | $4,959 | 6.562% | $1,595 | 17 | −$994 | |
| 4 | $6,099 | 6.625% | $3,477 | 16 | +$146 | |
| 5 | $6,571 | 6.938% | $1,999 | 10 | +$618 | |
| 6 | $7,340 | 6.625% | $4,367 | 12 | +$1,387 | |
| 7 | $7,508 | 6.990% | $4,972 | 13 | +$1,555 | |
| 8 | $8,974 | 6.375% | $5,927 | 21 | +$3,021 | |
| 9 | $10,185 | 6.562% | $6,791 | 12 | +$4,232 |
Includes lenders with 10+ purchase originations in Orange 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.