Lowest closing cost mortgage lenders in Alameda County County, California
In Alameda County, California, homebuyers paid a median of $7,655 in closing costs in 2024 — below the California median of $9,450. The county saw 8,751 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, PULTE MORTGAGE LLC offered the lowest median costs at $935, which is $6,562 less than the county median.
Homebuyers in Alameda County County who chose PULTE MORTGAGE LLC paid $6,720 less in closing costs than the county median.
County Median Costs
$7,655
−19.0% vs California ($9,450)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$1,675
Purchase Originations
8,751
vs California Median
19.0% below
$-1,795
vs National Median
13.6% above
$914
Lender rankings in Alameda County County
89 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $935 | 5.750% | $0 | 41 | −$6,562 | |
| 2 | $990 | 6.750% | $595 | 33 | −$6,507 | |
| 3 | $4,952 | 6.500% | $0 | 32 | −$2,545 | |
| 4 | $5,102 | 6.375% | $37 | 19 | −$2,395 | |
| 5 | $5,187 | 6.875% | $101 | 20 | −$2,310 | |
| 6 | $5,219 | 6.000% | $0 | 14 | −$2,278 | |
| 7 | $5,238 | 6.250% | $0 | 29 | −$2,258 | |
| 8 | $5,279 | 6.250% | $0 | 68 | −$2,218 | |
| 9 | $5,317 | 6.562% | $795 | 18 | −$2,180 | |
| 10 | $5,328 | 6.875% | $1,175 | 11 | −$2,169 | |
| 11 | $5,619 | 6.375% | $1,125 | 29 | −$1,878 | |
| 12 | $5,744 | 6.375% | $966 | 329 | −$1,753 | |
| 13 | $6,030 | 6.500% | $0 | 20 | −$1,467 | |
| 14 | $6,070 | 5.725% | $805 | 41 | −$1,426 | |
| 15 | $6,077 | 6.125% | $0 | 90 | −$1,420 | |
| 16 | $6,131 | 6.250% | $995 | 97 | −$1,366 | |
| 17 | $6,171 | 5.875% | $1,495 | 12 | −$1,326 | |
| 18 | $6,239 | 6.875% | $1,510 | 14 | −$1,258 | |
| 19 | $6,248 | 6.000% | $815 | 65 | −$1,249 | |
| 20 | $6,271 | 6.500% | $1,200 | 12 | −$1,226 | |
| 21 | $6,324 | 6.625% | $1,025 | 28 | −$1,172 | |
| 22 | $6,384 | 6.375% | $998 | 15 | −$1,113 | |
| 23 | $6,442 | 6.624% | $1,050 | 76 | −$1,055 | |
| 24 | $6,459 | 6.375% | $1,025 | 15 | −$1,038 | |
| 25 | $6,576 | 6.750% | $1,445 | 86 | −$921 | |
| 26 | $6,610 | 6.750% | $2,412 | 17 | −$886 | |
| 27 | $6,619 | 6.625% | $1,093 | 10 | −$878 | |
| 28 | $6,679 | 6.625% | $0 | 79 | −$818 | |
| 29 | $6,680 | 6.990% | $1,695 | 13 | −$818 | |
| 30 | $6,741 | 6.250% | $1,075 | 15 | −$756 | |
| 31 | $6,762 | 6.375% | $1,795 | 14 | −$735 | |
| 32 | $6,776 | 6.375% | $1,295 | 604 | −$721 | |
| 33 | $6,798 | 6.500% | $1,898 | 11 | −$699 | |
| 34 | $6,835 | 6.625% | $1,790 | 83 | −$662 | |
| 35 | $6,884 | 6.875% | $1,695 | 42 | −$613 | |
| 36 | $6,931 | 6.625% | $2,219 | 770 | −$566 | |
| 37 | $6,936 | 6.875% | $1,695 | 65 | −$560 | |
| 38 | $7,006 | 6.625% | $2,679 | 12 | −$491 | |
| 39 | $7,020 | 6.875% | $1,811 | 32 | −$477 | |
| 40 | $7,083 | 6.625% | $1,790 | 47 | −$414 | |
| 41 | $7,098 | 5.970% | $1,475 | 169 | −$399 | |
| 42 | $7,138 | 6.500% | $1,260 | 171 | −$359 | |
| 43 | $7,148 | 6.375% | $1,250 | 265 | −$349 | |
| 44 | $7,158 | 6.625% | $2,529 | 15 | −$340 | |
| 45 | $7,245 | 6.750% | $1,695 | 12 | −$252 | |
| 46 | $7,269 | 6.250% | $1,495 | 36 | −$228 | |
| 47 | $7,288 | 6.625% | $2,068 | 19 | −$209 | |
| 48 | $7,349 | 6.600% | $1,640 | 140 | −$148 | |
| 49 | $7,494 | 6.750% | $1,640 | 63 | −$3 | |
| 50 | $7,505 | 6.750% | $1,640 | 51 | +$8 | |
| 51 | $7,511 | 6.188% | $1,190 | 410 | +$14 | |
| 52 | $7,587 | 6.375% | $1,925 | 188 | +$90 | |
| 53 | $7,884 | 5.875% | $1,800 | 10 | +$387 | |
| 54 | $7,933 | 6.875% | $2,583 | 18 | +$436 | |
| 55 | $7,982 | 6.625% | $2,170 | 129 | +$485 | |
| 56 | $7,997 | 6.500% | $1,500 | 26 | +$500 | |
| 57 | $8,096 | 6.000% | $1,465 | 478 | +$599 | |
| 58 | $8,110 | 6.625% | $1,998 | 59 | +$613 | |
| 59 | $8,213 | 6.250% | $2,407 | 467 | +$716 | |
| 60 | $8,279 | 7.125% | $2,165 | 124 | +$782 | |
| 61 | $8,337 | 6.950% | $2,590 | 418 | +$840 | |
| 62 | $8,412 | 6.125% | $1,425 | 13 | +$915 | |
| 63 | $8,508 | 6.625% | $4,199 | 17 | +$1,011 | |
| 64 | $8,606 | 7.250% | $2,145 | 73 | +$1,109 | |
| 65 | $8,832 | 6.875% | $4,214 | 72 | +$1,335 | |
| 66 | $8,842 | 6.625% | $4,771 | 13 | +$1,345 | |
| 67 | $8,969 | 6.625% | $3,884 | 47 | +$1,472 | |
| 68 | $8,997 | 6.500% | $1,195 | 11 | +$1,500 | |
| 69 | $9,224 | 6.250% | $995 | 160 | +$1,727 | |
| 70 | $9,600 | 6.750% | $2,898 | 18 | +$2,103 | |
| 71 | $9,917 | 6.938% | $6,140 | 12 | +$2,420 | |
| 72 | $9,957 | 6.250% | $5,713 | 11 | +$2,460 | |
| 73 | $10,097 | 6.625% | $5,077 | 622 | +$2,600 | |
| 74 | $10,236 | 6.990% | $3,530 | 29 | +$2,739 | |
| 75 | $10,237 | 7.375% | $6,070 | 15 | +$2,740 | |
| 76 | $10,501 | 6.625% | $5,283 | 23 | +$3,004 | |
| 77 | $10,931 | 6.688% | $8,601 | 18 | +$3,434 | |
| 78 | $11,598 | 7.000% | $6,227 | 10 | +$4,101 | |
| 79 | $11,988 | 6.625% | $6,874 | 31 | +$4,491 | |
| 80 | $12,191 | 6.990% | $7,349 | 38 | +$4,694 | |
| 81 | $12,299 | 6.750% | $6,239 | 12 | +$4,802 | |
| 82 | $12,748 | 6.625% | $7,639 | 47 | +$5,252 | |
| 83 | $13,011 | 6.688% | $7,156 | 12 | +$5,514 | |
| 84 | $13,250 | 6.999% | $8,464 | 29 | +$5,753 | |
| 85 | $14,069 | 6.938% | $9,298 | 16 | +$6,572 | |
| 86 | $14,536 | 7.058% | $9,808 | 30 | +$7,039 | |
| 87 | $14,976 | 6.625% | $10,727 | 24 | +$7,479 | |
| 88 | $15,098 | 7.312% | $10,066 | 16 | +$7,601 |
Includes lenders with 10+ purchase originations in Alameda County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in California → 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.