Homebuyers in Spotsylvania County County who chose GUARANTEED RATE, INC. paid $5,562 less in closing costs than the county median.
County Median Costs
$9,294
+35.5% vs Virginia ($6,860)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$2,352
Purchase Originations
1,878
Denial Rate
8.4%
vs Virginia avg (6.4%)
vs Virginia Median
35.5% above
$2,434
vs National Median
39.1% above
$2,614
26 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,972 | 6.625% | $0 | 41 | −$2,444 | |
| 2 | $4,332 | 6.624% | $1,400 | 10 | −$2,084 | |
| 3 | $4,606 | 6.375% | $3,057 | 16 | −$1,810 | |
| 4 | $5,116 | 6.395% | $1,250 | 12 | −$1,300 | |
| 5 | $5,211 | 6.463% | $1,640 | 12 | −$1,205 | |
| 6 | $5,212 | 6.875% | $1,912 | 15 | −$1,204 | |
| 7 | $5,218 | 6.490% | $1,570 | 41 | −$1,198 | |
| 8 | $5,775 | 6.000% | $2,916 | 25 | −$641 | |
| 9 | $5,870 | 6.625% | $1,745 | 15 | −$546 | |
| 10 | $5,998 | 6.500% | $3,600 | 13 | −$418 | |
| 11 | $6,142 | 6.875% | $3,000 | 43 | −$274 | |
| 12 | $6,220 | 6.812% | $2,185 | 12 | −$196 | |
| 13 | $6,409 | 6.500% | $3,360 | 15 | −$7 | |
| 14 | $6,554 | 6.433% | $2,795 | 14 | +$138 | |
| 15 | $6,670 | 6.500% | $3,506 | 20 | +$254 | |
| 16 | $6,678 | 6.500% | $4,097 | 10 | +$262 | |
| 17 | $7,118 | 6.562% | $3,626 | 57 | +$702 | |
| 18 | $7,246 | 6.625% | $4,253 | 17 | +$830 | |
| 19 | $7,281 | 6.625% | $4,223 | 47 | +$865 | |
| 20 | $8,987 | 6.750% | $4,581 | 10 | +$2,571 | |
| 21 | $9,253 | 6.990% | $5,895 | 33 | +$2,837 | |
| 22 | $10,670 | 6.500% | $7,290 | 78 | +$4,254 |
Includes lenders with 10+ purchase originations in Spotsylvania 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.