Homebuyers in Lake County County who chose PENNYMAC LOAN SERVICES, LLC paid $3,018 less in closing costs than the county median.
County Median Costs
$7,971
−14.4% vs California ($9,309)
Median Rate
6.600%
+1.7% vs national (6.490%)
Median Origination
$2,765
Purchase Originations
499
Denial Rate
8.8%
vs California avg (7.1%)
vs California Median
14.4% below
$-1,338
vs National Median
19.3% above
$1,291
9 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,953 | 6.875% | $2,517 | 12 | −$959 | |
| 2 | $5,166 | 6.938% | $1,795 | 18 | −$746 | |
| 3 | $5,204 | 6.875% | $1,195 | 15 | −$708 | |
| 4 | $5,761 | 6.750% | $2,893 | 32 | −$151 | |
| 5 | $5,771 | 6.625% | $1,645 | 11 | −$141 | |
| 6 | $5,970 | 6.808% | $2,390 | 50 | +$58 | |
| 7 | $6,292 | 6.562% | $3,067 | 14 | +$380 |
Includes lenders with 10+ purchase originations in Lake 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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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 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.