Lowest closing cost mortgage lenders in Richmond city County, Virginia
In Richmond city, Virginia, homebuyers paid a median of $5,424 in closing costs in 2024 — below the Virginia median of $6,913. The county saw 1,909 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, CAPITAL CENTER, L.L.C. offered the lowest median costs at $0, which is $5,042 less than the county median.
Homebuyers in Richmond city County who chose CAPITAL CENTER, L.L.C. paid $5,424 less in closing costs than the county median.
County Median Costs
$5,424
−21.5% vs Virginia ($6,913)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,915
Purchase Originations
1,909
vs Virginia Median
21.5% below
$-1,489
vs National Median
19.5% below
$-1,317
Lender rankings in Richmond city County
36 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.625% | $0 | 39 | −$5,042 | |
| 2 | $3,172 | 6.500% | $0 | 23 | −$1,870 | |
| 3 | $3,820 | 6.990% | $1,594 | 31 | −$1,222 | |
| 4 | $4,041 | 6.625% | $1,409 | 80 | −$1,001 | |
| 5 | $4,190 | 6.625% | $1,185 | 72 | −$852 | |
| 6 | $4,246 | 6.000% | $1,299 | 11 | −$796 | |
| 7 | $4,256 | 6.875% | $1,719 | 18 | −$786 | |
| 8 | $4,287 | 6.812% | $1,057 | 10 | −$755 | |
| 9 | $4,394 | 6.625% | $1,300 | 58 | −$648 | |
| 10 | $4,452 | 6.500% | $1,582 | 125 | −$590 | |
| 11 | $4,470 | 6.500% | $1,350 | 27 | −$572 | |
| 12 | $4,574 | 6.500% | $1,520 | 10 | −$468 | |
| 13 | $4,644 | 6.625% | $1,360 | 37 | −$398 | |
| 14 | $4,923 | 6.625% | $2,378 | 23 | −$119 | |
| 15 | $4,966 | 6.562% | $2,090 | 12 | −$76 | |
| 16 | $5,034 | 6.990% | $1,985 | 11 | −$8 | |
| 17 | $5,094 | 6.875% | $1,499 | 75 | +$52 | |
| 18 | $5,143 | 7.000% | $1,449 | 25 | +$101 | |
| 19 | $5,164 | 6.490% | $1,893 | 42 | +$122 | |
| 20 | $5,206 | 6.562% | $1,555 | 12 | +$164 | |
| 21 | $5,237 | 7.125% | $1,840 | 10 | +$195 | |
| 22 | $5,250 | 6.625% | $1,999 | 69 | +$208 | |
| 23 | $5,378 | 6.875% | $2,530 | 15 | +$336 | |
| 24 | $5,391 | 6.625% | $2,160 | 80 | +$349 | |
| 25 | $5,653 | 6.625% | $3,895 | 74 | +$611 | |
| 26 | $6,122 | 6.875% | $3,696 | 32 | +$1,080 | |
| 27 | $6,199 | 6.625% | $3,676 | 44 | +$1,157 | |
| 28 | $6,454 | 6.990% | $3,739 | 81 | +$1,412 | |
| 29 | $6,597 | 7.000% | $3,486 | 21 | +$1,555 | |
| 30 | $6,745 | 6.562% | $3,897 | 16 | +$1,703 | |
| 31 | $6,912 | 7.000% | $3,866 | 13 | +$1,870 | |
| 32 | $7,053 | 6.625% | $4,238 | 11 | +$2,011 | |
| 33 | $8,148 | 6.875% | $4,740 | 13 | +$3,106 | |
| 34 | $8,884 | 6.624% | $5,333 | 13 | +$3,842 | |
| 35 | $9,014 | 6.624% | $5,841 | 60 | +$3,972 |
Includes lenders with 10+ purchase originations in Richmond 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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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.