Lowest closing cost mortgage lenders in York County County, Virginia
In York County, Virginia, homebuyers paid a median of $7,806 in closing costs in 2024 — above the Virginia median of $6,913. The county saw 695 purchase mortgages at a median rate of 6.38%. Among lenders with 10+ originations, NAVY FEDERAL CREDIT UNION offered the lowest median costs at $2,749, which is $3,002 less than the county median.
Homebuyers in York County County who chose NAVY FEDERAL CREDIT UNION paid $5,057 less in closing costs than the county median.
County Median Costs
$7,806
+12.9% vs Virginia ($6,913)
Median Rate
6.380%
−3.6% vs national (6.620%)
Median Origination
$2,272
Purchase Originations
695
vs Virginia Median
12.9% above
$893
vs National Median
15.8% above
$1,065
Lender rankings in York County County
15 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,749 | 6.750% | $0 | 15 | −$3,002 | |
| 2 | $3,617 | 6.500% | $1,382 | 17 | −$2,134 | |
| 3 | $4,029 | 5.562% | $995 | 24 | −$1,722 | |
| 4 | $5,054 | 6.250% | $2,279 | 20 | −$697 | |
| 5 | $5,680 | 6.688% | $3,395 | 10 | −$71 | |
| 6 | $6,272 | 6.375% | $3,725 | 11 | +$521 | |
| 7 | $7,511 | 6.875% | $4,681 | 14 | +$1,760 | |
| 8 | $7,547 | 6.875% | $4,950 | 34 | +$1,796 | |
| 9 | $7,876 | 6.625% | $3,577 | 15 | +$2,125 | |
| 10 | $8,250 | 6.374% | $5,297 | 15 | +$2,499 |
Includes lenders with 10+ purchase originations in York 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.