Lowest closing cost mortgage lenders in Spotsylvania County County, Virginia
In Spotsylvania County, Virginia, homebuyers paid a median of $9,102 in closing costs in 2024 — above the Virginia median of $6,913. The county saw 1,895 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, HOMEAMERICAN MORTGAGE CORPORATION offered the lowest median costs at $925, which is $5,229 less than the county median.
Homebuyers in Spotsylvania County County who chose HOMEAMERICAN MORTGAGE CORPORATION paid $8,177 less in closing costs than the county median.
County Median Costs
$9,102
+31.7% vs Virginia ($6,913)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$2,654
Purchase Originations
1,895
vs Virginia Median
31.7% above
$2,189
vs National Median
35.0% above
$2,361
Lender rankings in Spotsylvania County County
25 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $925 | 5.999% | $0 | 17 | −$5,229 | |
| 2 | $3,160 | 6.312% | $0 | 36 | −$2,994 | |
| 3 | $3,706 | 6.375% | $2,405 | 14 | −$2,448 | |
| 4 | $4,501 | 6.490% | $1,400 | 19 | −$1,653 | |
| 5 | $4,807 | 6.428% | $1,485 | 12 | −$1,347 | |
| 6 | $5,041 | 6.250% | $2,267 | 17 | −$1,113 | |
| 7 | $5,147 | 6.625% | $1,499 | 13 | −$1,007 | |
| 8 | $5,264 | 6.625% | $1,982 | 37 | −$890 | |
| 9 | $5,960 | 6.625% | $2,832 | 57 | −$194 | |
| 10 | $6,034 | 6.100% | $1,420 | 13 | −$120 | |
| 11 | $6,118 | 6.875% | $2,895 | 23 | −$36 | |
| 12 | $6,283 | 6.750% | $3,646 | 43 | +$129 | |
| 13 | $6,770 | 6.500% | $3,655 | 28 | +$616 | |
| 14 | $7,608 | 6.625% | $5,015 | 15 | +$1,454 | |
| 15 | $7,755 | 6.625% | $4,746 | 24 | +$1,601 | |
| 16 | $7,906 | 6.750% | $3,593 | 15 | +$1,752 | |
| 17 | $7,911 | 6.688% | $4,547 | 12 | +$1,757 | |
| 18 | $8,708 | 6.490% | $5,655 | 23 | +$2,554 | |
| 19 | $8,716 | 6.625% | $5,248 | 15 | +$2,562 | |
| 20 | $8,930 | 6.688% | $5,590 | 80 | +$2,776 | |
| 21 | $8,965 | 6.625% | $5,930 | 11 | +$2,811 | |
| 22 | $10,570 | 6.625% | $6,938 | 28 | +$4,416 | |
| 23 | $12,201 | 7.438% | $8,090 | 12 | +$6,047 |
Includes lenders with 10+ purchase originations in Spotsylvania 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.