Lowest closing cost mortgage lenders in Stafford County County, Virginia
In Stafford County, Virginia, homebuyers paid a median of $9,386 in closing costs in 2024 — above the Virginia median of $6,913. The county saw 1,946 purchase mortgages at a median rate of 6.49%. Among lenders with 10+ originations, Manufacturers and Traders Trust Company offered the lowest median costs at $3,220, which is $6,577 less than the county median.
Homebuyers in Stafford County County who chose Manufacturers and Traders Trust Company paid $6,166 less in closing costs than the county median.
County Median Costs
$9,386
+35.8% vs Virginia ($6,913)
Median Rate
6.490%
−2.0% vs national (6.620%)
Median Origination
$2,436
Purchase Originations
1,946
vs Virginia Median
35.8% above
$2,473
vs National Median
39.2% above
$2,645
Lender rankings in Stafford County County
32 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,336 | 6.188% | $0 | 36 | −$3,334 | |
| 2 | $4,656 | 6.875% | $1,400 | 11 | −$2,014 | |
| 3 | $4,938 | 6.375% | $1,311 | 13 | −$1,732 | |
| 4 | $4,957 | 7.000% | $2,142 | 13 | −$1,713 | |
| 5 | $5,018 | 5.750% | $4,023 | 10 | −$1,652 | |
| 6 | $5,147 | 6.500% | $1,600 | 14 | −$1,523 | |
| 7 | $5,485 | 6.625% | $1,795 | 11 | −$1,185 | |
| 8 | $5,545 | 6.500% | $1,095 | 17 | −$1,125 | |
| 9 | $5,573 | 6.875% | $2,718 | 13 | −$1,097 | |
| 10 | $5,690 | 6.750% | $2,519 | 33 | −$980 | |
| 11 | $5,764 | 6.480% | $2,867 | 16 | −$906 | |
| 12 | $6,283 | 6.625% | $3,010 | 43 | −$387 | |
| 13 | $6,528 | 6.625% | $4,303 | 48 | −$142 | |
| 14 | $6,577 | 6.990% | $3,430 | 13 | −$93 | |
| 15 | $6,646 | 6.625% | $3,332 | 45 | −$24 | |
| 16 | $6,817 | 6.475% | $2,560 | 10 | +$147 | |
| 17 | $8,453 | 7.125% | $5,446 | 15 | +$1,783 | |
| 18 | $8,764 | 6.875% | $4,602 | 15 | +$2,094 | |
| 19 | $8,826 | 6.750% | $5,432 | 50 | +$2,156 | |
| 20 | $8,834 | 6.250% | $5,568 | 14 | +$2,164 | |
| 21 | $14,330 | 7.500% | $10,469 | 11 | +$7,660 | |
| 22 | $14,773 | 6.750% | $10,963 | 45 | +$8,103 |
Includes lenders with 10+ purchase originations in Stafford 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.