Homebuyers in York County County who chose NAVY FEDERAL CREDIT UNION paid $4,010 less in closing costs than the county median.
County Median Costs
$7,540
+9.9% vs Virginia ($6,860)
Median Rate
6.250%
−3.7% vs national (6.490%)
Median Origination
$1,845
Purchase Originations
733
Denial Rate
3.9%
vs Virginia avg (6.4%)
vs Virginia Median
9.9% above
$680
vs National Median
12.9% above
$860
12 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,530 | 6.688% | $0 | 20 | −$2,083 | |
| 2 | $4,201 | 5.625% | $995 | 19 | −$1,412 | |
| 3 | $4,850 | 6.875% | $1,845 | 10 | −$763 | |
| 4 | $6,134 | 6.062% | $3,492 | 12 | +$521 | |
| 5 | $6,196 | 6.625% | $4,250 | 13 | +$583 | |
| 6 | $6,244 | 6.375% | $3,650 | 15 | +$631 | |
| 7 | $6,688 | 6.875% | $3,545 | 20 | +$1,075 | |
| 8 | $7,397 | 6.750% | $4,572 | 13 | +$1,784 | |
| 9 | $7,409 | 6.625% | $4,481 | 30 | +$1,796 | |
| 10 | $7,545 | 6.500% | $4,055 | 23 | +$1,932 |
Includes lenders with 10+ purchase originations in York 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.