Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$2,045
median across reports
vs. National Average
40%
below national avg
Avg Origination Charge
$1,159
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $1,159 | $1,584 | 🟢 Below Avg |
| lender_credits | $479 | $428 | 🔴 Above Avg |
Got a Loan Estimate from Farm Credit of the Virginias, ACA? See if your rate and fees are competitive.
Check My Loan Estimate — $19Navy Federal Credit Union
Credit Union · VA
Prosperity Home Mortgage, LLC
Mortgage Company · VA
Wells Fargo Bank, N.A.
Bank · CA
Based on 151 homebuyer-submitted Closing Disclosures, Farm Credit of the Virginias, ACA's median total closing costs are $2,045. This is about 40% below the $3,383 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
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Average Closing Costs by State
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Compare Farm Credit of the Virginias, ACA with another lender
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Aggregates from Farm Credit of the Virginias, ACA's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
120
Median Total Costs
$1,770
−73.5% vs national ($6,680)
Median Rate
7.960%
+22.6% vs national (6.490%)
Median Origination
$1,000
Median Lender Credits
$150
Denial Rate
20.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 120 | 7.960% | $1,770 | $1,000 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 100 | 7.940% | $1,447 | #127 |
| West Virginia | 14 | 8.120% | $2,131 | — |
| Maryland | 5 | 7.920% | $5,122 | — |
| North Carolina | 1 | 8.110% | $3,860 | — |
| This lender | Virginia median | National median | |
|---|---|---|---|
| Total Closing Costs | $1,447 | $6,860 | $6,680 |
| Interest Rate | 7.940% | 6.450% | 6.490% |
| Originations in state | 100 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Farm Credit of the Virginias, ACA | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $1,770 | $7,127 | −$5,357 (−75.2%) |