Homebuyers in Monterey County County who chose NAVY FEDERAL CREDIT UNION paid $7,132 less in closing costs than the county median.
County Median Costs
$11,016
+18.3% vs California ($9,309)
Median Rate
6.490%
+0.0% vs national (6.490%)
Median Origination
$3,786
Purchase Originations
1,376
Denial Rate
8.4%
vs California avg (7.1%)
vs California Median
18.3% above
$1,707
vs National Median
64.9% above
$4,336
24 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,884 | 6.188% | $0 | 10 | −$4,507 | |
| 2 | $5,235 | 5.200% | $1,094 | 10 | −$3,156 | |
| 3 | $5,804 | 6.188% | $1,545 | 40 | −$2,587 | |
| 4 | $5,820 | 6.575% | $1,640 | 13 | −$2,571 | |
| 5 | $6,043 | 6.250% | $1,705 | 17 | −$2,348 | |
| 6 | $6,320 | 6.375% | $3,273 | 15 | −$2,071 | |
| 7 | $6,462 | 6.625% | $2,816 | 127 | −$1,929 | |
| 8 | $6,978 | 6.438% | $2,225 | 44 | −$1,413 | |
| 9 | $7,088 | 6.625% | $1,615 | 12 | −$1,303 | |
| 10 | $7,434 | 6.875% | $3,106 | 37 | −$958 | |
| 11 | $7,588 | 6.250% | $2,663 | 26 | −$803 | |
| 12 | $8,452 | 6.500% | $4,900 | 79 | +$61 | |
| 13 | $8,982 | 6.750% | $5,383 | 13 | +$591 | |
| 14 | $9,119 | 6.688% | $5,879 | 30 | +$728 | |
| 15 | $9,740 | 6.750% | $2,374 | 11 | +$1,349 | |
| 16 | $9,886 | 6.875% | $5,112 | 25 | +$1,496 | |
| 17 | $10,140 | 6.875% | $6,796 | 29 | +$1,749 | |
| 18 | $11,325 | 6.688% | $7,686 | 24 | +$2,934 | |
| 19 | $11,592 | 6.808% | $8,062 | 10 | +$3,201 | |
| 20 | $11,853 | 6.695% | $8,286 | 86 | +$3,462 | |
| 21 | $12,357 | 6.250% | $9,012 | 66 | +$3,966 | |
| 22 | $14,420 | 6.625% | $9,850 | 22 | +$6,028 | |
| 23 | $14,422 | 7.125% | $11,109 | 13 | +$6,031 |
Includes lenders with 10+ purchase originations in Monterey 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.