Lowest closing cost mortgage lenders in Winchester city County, Virginia
In Winchester city, Virginia, homebuyers paid a median of $8,432 in closing costs in 2024 — above the Virginia median of $6,913. The county saw 240 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, NAVY FEDERAL CREDIT UNION offered the lowest median costs at $2,905, which is $3,481 less than the county median.
Homebuyers in Winchester city County who chose NAVY FEDERAL CREDIT UNION paid $5,527 less in closing costs than the county median.
County Median Costs
$8,432
+22.0% vs Virginia ($6,913)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$3,311
Purchase Originations
240
vs Virginia Median
22.0% above
$1,519
vs National Median
25.1% above
$1,691
Lender rankings in Winchester city County
5 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,905 | 6.500% | $0 | 13 | −$3,481 | |
| 2 | $6,598 | 7.000% | $3,545 | 20 | +$212 | |
| 3 | $6,970 | 6.490% | $4,645 | 11 | +$584 | |
| 4 | $8,503 | 7.375% | $4,000 | 13 | +$2,117 | |
| 5 | $9,599 | 6.625% | $6,865 | 16 | +$3,213 |
Includes lenders with 10+ purchase originations in Winchester 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.