Lowest closing cost mortgage lenders in El Dorado County County, California
In El Dorado County, California, homebuyers paid a median of $7,400 in closing costs in 2024 — below the California median of $9,450. The county saw 1,735 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, SCHOOLSFIRST offered the lowest median costs at $3,392, which is $3,140 less than the county median.
Homebuyers in El Dorado County County who chose SCHOOLSFIRST paid $4,008 less in closing costs than the county median.
County Median Costs
$7,400
−21.7% vs California ($9,450)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$3,106
Purchase Originations
1,735
vs California Median
21.7% below
$-2,050
vs National Median
9.8% above
$659
Lender rankings in El Dorado County County
31 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,392 | 6.250% | $0 | 13 | −$3,140 | |
| 2 | $4,282 | 6.625% | $995 | 13 | −$2,250 | |
| 3 | $4,559 | 6.625% | $1,612 | 25 | −$1,973 | |
| 4 | $4,976 | 6.500% | $1,594 | 15 | −$1,556 | |
| 5 | $5,357 | 6.625% | $3,088 | 139 | −$1,175 | |
| 6 | $5,417 | 6.990% | $2,363 | 16 | −$1,115 | |
| 7 | $5,453 | 6.808% | $2,200 | 16 | −$1,079 | |
| 8 | $5,706 | 6.990% | $1,990 | 11 | −$826 | |
| 9 | $5,725 | 6.500% | $1,730 | 59 | −$807 | |
| 10 | $5,746 | 6.625% | $2,125 | 15 | −$786 | |
| 11 | $5,811 | 6.625% | $2,234 | 11 | −$721 | |
| 12 | $5,930 | 6.875% | $3,844 | 10 | −$602 | |
| 13 | $5,942 | 6.625% | $2,890 | 39 | −$590 | |
| 14 | $6,117 | 5.375% | $1,835 | 56 | −$415 | |
| 15 | $6,495 | 6.875% | $3,725 | 13 | −$37 | |
| 16 | $6,568 | 6.624% | $3,480 | 15 | +$36 | |
| 17 | $6,632 | 6.500% | $2,350 | 18 | +$100 | |
| 18 | $6,693 | 7.062% | $3,997 | 32 | +$161 | |
| 19 | $6,744 | 6.625% | $3,765 | 76 | +$212 | |
| 20 | $6,813 | 6.000% | $2,827 | 13 | +$281 | |
| 21 | $7,055 | 6.875% | $3,345 | 39 | +$523 | |
| 22 | $7,055 | 6.500% | $2,590 | 28 | +$523 | |
| 23 | $7,087 | 6.625% | $3,992 | 278 | +$555 | |
| 24 | $7,161 | 6.625% | $4,344 | 16 | +$629 | |
| 25 | $7,965 | 6.990% | $5,244 | 17 | +$1,433 | |
| 26 | $8,125 | 6.625% | $2,045 | 13 | +$1,593 | |
| 27 | $8,943 | 7.312% | $5,283 | 12 | +$2,411 | |
| 28 | $9,246 | 6.875% | $4,437 | 15 | +$2,714 | |
| 29 | $12,197 | 6.625% | $9,266 | 10 | +$5,665 | |
| 30 | $16,295 | 6.000% | $14,206 | 16 | +$9,763 |
Includes lenders with 10+ purchase originations in El Dorado 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.