Lowest closing cost mortgage lenders in Merced County County, California
In Merced County, California, homebuyers paid a median of $11,358 in closing costs in 2024 — above the California median of $9,450. The county saw 1,543 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, MORTGAGE RESEARCH CENTER, LLC offered the lowest median costs at $2,031, which is $4,806 less than the county median.
Homebuyers in Merced County County who chose MORTGAGE RESEARCH CENTER, LLC paid $9,327 less in closing costs than the county median.
County Median Costs
$11,358
+20.2% vs California ($9,450)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$4,831
Purchase Originations
1,543
vs California Median
20.2% above
$1,908
vs National Median
68.5% above
$4,617
Lender rankings in Merced County County
23 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,876 | 5.750% | $0 | 81 | −$4,339 | |
| 2 | $4,151 | 5.688% | $1,465 | 14 | −$4,064 | |
| 3 | $6,321 | 6.875% | $3,666 | 11 | −$1,894 | |
| 4 | $6,677 | 7.000% | $3,902 | 25 | −$1,538 | |
| 5 | $7,264 | 6.245% | $3,929 | 12 | −$951 | |
| 6 | $7,857 | 6.624% | $4,906 | 10 | −$358 | |
| 7 | $7,940 | 6.500% | $4,806 | 54 | −$275 | |
| 8 | $8,441 | 6.500% | $5,926 | 42 | +$226 | |
| 9 | $8,473 | 6.875% | $5,745 | 33 | +$258 | |
| 10 | $8,559 | 6.625% | $5,568 | 12 | +$344 | |
| 11 | $8,876 | 6.500% | $5,921 | 33 | +$661 | |
| 12 | $9,252 | 6.990% | $6,275 | 17 | +$1,037 | |
| 13 | $9,538 | 6.625% | $6,205 | 149 | +$1,323 | |
| 14 | $10,040 | 6.562% | $6,973 | 16 | +$1,825 | |
| 15 | $10,366 | 6.625% | $6,324 | 12 | +$2,151 | |
| 16 | $11,112 | 6.875% | $7,773 | 11 | +$2,896 | |
| 17 | $11,279 | 6.625% | $7,845 | 17 | +$3,064 | |
| 18 | $14,548 | 7.875% | $11,595 | 13 | +$6,333 |
Includes lenders with 10+ purchase originations in Merced 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
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.