Mortgage lender closing cost rankings in California (2024)
In California, homebuyers paid a median of $9,450 in total closing costs on purchase mortgages in 2024, which is above the national median of $6,741. The median interest rate was 6.50% across 210,141 purchase originations. The most active lender was UNITED WHOLESALE MORTGAGE, LLC with 31,106 originations. The lowest-cost lender (with 50+ loans) was CALIFORNIA CREDIT UNION at $0.
Median Total Costs
$9,450
+40.2% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$2,821
Purchase Originations
210,141
By loan type
| Loan type | Volume | Median Rate | Median Total Costs |
|---|---|---|---|
| conventional | 157,335 | 6.625% | $7,980 |
| fha | 38,338 | 6.250% | $17,757 |
| va | 14,268 | 6.125% | $9,583 |
| usda | 200 | 6.125% | $10,518 |
Lowest closing cost lenders in California
Ranked by median total loan costs among lenders with 50+ purchase originations in California.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 5.875% | $0 | 316 | −$9,450 | |
| 2 | $692 | 5.750% | $0 | 991 | −$8,758 | |
| 3 | $935 | 6.750% | $595 | 133 | −$8,515 | |
| 4 | $1,010 | 6.625% | $0 | 263 | −$8,440 | |
| 5 | $1,450 | 9.300% | $1,000 | 291 | −$8,000 | |
| 6 | $2,815 | 6.000% | $20 | 125 | −$6,635 | |
| 7 | $2,985 | 3.250% | $945 | 69 | −$6,465 | |
| 8 | $3,131 | 5.625% | $0 | 1,366 | −$6,319 | |
| 9 | $4,481 | 6.250% | $0 | 72 | −$4,969 | |
| 10 | $4,537 | 6.125% | $0 | 375 | −$4,913 | |
| 11 | $4,636 | 6.250% | $0 | 229 | −$4,814 | |
| 12 | $4,901 | 6.625% | $1,419 | 168 | −$4,549 | |
| 13 | $4,955 | 6.500% | $795 | 213 | −$4,495 | |
| 14 | $5,052 | 6.375% | $995 | 89 | −$4,398 | |
| 15 | $5,068 | 6.375% | $37 | 77 | −$4,382 | |
| 16 | $5,095 | 6.500% | $250 | 251 | −$4,355 | |
| 17 | $5,115 | 6.625% | $0 | 1,397 | −$4,335 | |
| 18 | $5,169 | 6.250% | $125 | 794 | −$4,281 | |
| 19 | $5,246 | 6.150% | $1,150 | 660 | −$4,204 | |
| 20 | $5,383 | 6.125% | $0 | 1,329 | −$4,067 | |
| 21 | $5,434 | 6.375% | $995 | 740 | −$4,016 | |
| 22 | $5,542 | 6.875% | $1,080 | 828 | −$3,908 | |
| 23 | $5,645 | 6.375% | $800 | 259 | −$3,805 | |
| 24 | $5,665 | 6.125% | $495 | 90 | −$3,785 | |
| 25 | $5,880 | 6.500% | $1,425 | 680 | −$3,570 |
Includes lenders with 50+ purchase originations in California. Source: HMDA 2024. Sorted by median total loan costs.
Rankings by county
Los Angeles County
33,921 originations
Riverside County
21,166 originations
San Diego County
18,044 originations
San Bernardino County
13,750 originations
Orange County
13,010 originations
Sacramento County
11,769 originations
Santa Clara County
9,829 originations
Alameda County
8,751 originations
Contra Costa County
7,868 originations
Kern County
6,534 originations
San Joaquin County
6,024 originations
Fresno County
5,814 originations
Placer County
4,793 originations
Ventura County
4,172 originations
Solano County
3,558 originations
San Mateo County
3,435 originations
Stanislaus County
3,287 originations
San Francisco County
3,139 originations
Sonoma County
2,740 originations
Tulare County
2,460 originations
El Dorado County
1,735 originations
Madera County
1,697 originations
San Luis Obispo County
1,664 originations
Santa Barbara County
1,621 originations
Merced County
1,543 originations
Shasta County
1,496 originations
Monterey County
1,461 originations
Butte County
1,411 originations
Marin County
1,344 originations
Yolo County
1,323 originations
Kings County
1,140 originations
Yuba County
1,024 originations
Santa Cruz County
873 originations
Nevada County
859 originations
Imperial County
685 originations
Napa County
624 originations
San Benito County
596 originations
Humboldt County
575 originations
Sutter County
549 originations
Lake County
526 originations
Tehama County
431 originations
Calaveras County
430 originations
Amador County
416 originations
Tuolumne County
390 originations
Mendocino County
379 originations
Siskiyou County
229 originations
Lassen County
147 originations
Glenn County
135 originations
Plumas County
134 originations
Mariposa County
129 originations
Del Norte County
127 originations
See California closing cost details, fee benchmarks, and county comparisons → California Closing Costs Guide
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.