Homebuyers in El Dorado County County who chose MORTGAGE RESEARCH CENTER, LLC paid $3,448 less in closing costs than the county median.
County Median Costs
$7,120
−23.5% vs California ($9,309)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$2,490
Purchase Originations
1,844
Denial Rate
6.0%
vs California avg (7.1%)
vs California Median
23.5% below
$-2,189
vs National Median
6.6% above
$440
28 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,144 | 6.375% | $690 | 21 | −$2,272 | |
| 2 | $4,147 | 6.750% | $1,095 | 12 | −$2,269 | |
| 3 | $4,623 | 6.125% | $1,170 | 15 | −$1,793 | |
| 4 | $4,669 | 6.250% | $1,125 | 10 | −$1,747 | |
| 5 | $5,118 | 6.933% | $1,809 | 18 | −$1,298 | |
| 6 | $5,409 | 6.625% | $2,447 | 122 | −$1,007 | |
| 7 | $5,443 | 6.562% | $2,156 | 18 | −$973 | |
| 8 | $5,461 | 4.990% | $1,835 | 69 | −$955 | |
| 9 | $5,617 | 6.875% | $2,852 | 38 | −$799 | |
| 10 | $6,015 | 6.912% | $2,152 | 36 | −$401 | |
| 11 | $6,051 | 6.875% | $1,599 | 22 | −$365 | |
| 12 | $6,068 | 6.500% | $2,719 | 12 | −$348 | |
| 13 | $6,199 | 6.537% | $2,203 | 14 | −$217 | |
| 14 | $6,214 | 6.625% | $2,276 | 12 | −$202 | |
| 15 | $6,221 | 5.938% | $1,601 | 20 | −$195 | |
| 16 | $6,648 | 6.750% | $2,338 | 14 | +$232 | |
| 17 | $6,772 | 5.938% | $1,705 | 18 | +$356 | |
| 18 | $6,820 | 6.624% | $2,695 | 38 | +$404 | |
| 19 | $7,000 | 6.625% | $3,674 | 286 | +$584 | |
| 20 | $7,098 | 6.375% | $3,690 | 76 | +$682 | |
| 21 | $7,160 | 6.375% | $2,360 | 47 | +$744 | |
| 22 | $7,236 | 6.933% | $3,691 | 12 | +$820 | |
| 23 | $7,306 | 6.750% | $3,567 | 23 | +$890 | |
| 24 | $7,510 | 6.870% | $4,556 | 16 | +$1,094 | |
| 25 | $8,336 | 6.500% | $4,892 | 69 | +$1,920 |
Includes lenders with 10+ purchase originations in El Dorado County County. Source: HMDA 2025. 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 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.