Lowest closing cost mortgage lenders in Orange County County, California
In Orange County, California, homebuyers paid a median of $9,371 in closing costs in 2024 — near the California median of $9,450. The county saw 13,010 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, CALIFORNIA CREDIT UNION offered the lowest median costs at $0, which is $9,019 less than the county median.
Homebuyers in Orange County County who chose CALIFORNIA CREDIT UNION paid $9,371 less in closing costs than the county median.
County Median Costs
$9,371
−0.8% vs California ($9,450)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$2,270
Purchase Originations
13,010
vs California Median
0.8% below
$-79
vs National Median
39.0% above
$2,630
Lender rankings in Orange County County
126 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 5.875% | $0 | 30 | −$9,019 | |
| 2 | $299 | 6.438% | $0 | 28 | −$8,720 | |
| 3 | $1,450 | 9.450% | $1,000 | 203 | −$7,569 | |
| 4 | $3,244 | 6.000% | $0 | 84 | −$5,775 | |
| 5 | $4,626 | 6.250% | $0 | 14 | −$4,393 | |
| 6 | $5,698 | 6.500% | $0 | 359 | −$3,320 | |
| 7 | $6,219 | 6.188% | $0 | 42 | −$2,800 | |
| 8 | $6,621 | 6.625% | $1,213 | 16 | −$2,398 | |
| 9 | $6,639 | 5.850% | $703 | 36 | −$2,380 | |
| 10 | $6,890 | 6.562% | $1,127 | 14 | −$2,129 | |
| 11 | $6,955 | 6.500% | $1,125 | 37 | −$2,064 | |
| 12 | $6,963 | 6.500% | $1,331 | 356 | −$2,056 | |
| 13 | $7,192 | 7.125% | $1,380 | 64 | −$1,827 | |
| 14 | $7,193 | 7.000% | $2,090 | 14 | −$1,826 | |
| 15 | $7,193 | 7.375% | $1,080 | 177 | −$1,826 | |
| 16 | $7,259 | 6.000% | $1,695 | 323 | −$1,760 | |
| 17 | $7,324 | 6.625% | $1,499 | 15 | −$1,695 | |
| 18 | $7,410 | 6.870% | $1,730 | 10 | −$1,609 | |
| 19 | $7,487 | 6.625% | $1,699 | 250 | −$1,532 | |
| 20 | $7,545 | 6.500% | $1,890 | 19 | −$1,474 | |
| 21 | $7,648 | 6.500% | $1,050 | 12 | −$1,371 | |
| 22 | $7,662 | 6.562% | $1,112 | 14 | −$1,357 | |
| 23 | $7,760 | 6.625% | $2,656 | 68 | −$1,259 | |
| 24 | $7,840 | 6.624% | $1,237 | 12 | −$1,179 | |
| 25 | $7,854 | 5.990% | $1,640 | 11 | −$1,165 | |
| 26 | $7,871 | 6.500% | $1,295 | 772 | −$1,148 | |
| 27 | $7,879 | 6.812% | $1,859 | 30 | −$1,140 | |
| 28 | $7,883 | 7.250% | $3,040 | 35 | −$1,136 | |
| 29 | $7,915 | 6.875% | $1,640 | 44 | −$1,104 | |
| 30 | $7,941 | 6.625% | $2,296 | 19 | −$1,078 | |
| 31 | $7,945 | 7.375% | $1,200 | 23 | −$1,074 | |
| 32 | $8,014 | 6.375% | $1,330 | 14 | −$1,005 | |
| 33 | $8,028 | 5.950% | $815 | 77 | −$991 | |
| 34 | $8,081 | 6.625% | $1,595 | 35 | −$938 | |
| 35 | $8,162 | 6.875% | $2,290 | 30 | −$857 | |
| 36 | $8,214 | 6.750% | $1,200 | 17 | −$805 | |
| 37 | $8,228 | 6.750% | $3,690 | 1,191 | −$790 | |
| 38 | $8,314 | 6.625% | $2,892 | 40 | −$705 | |
| 39 | $8,346 | 6.250% | $1,190 | 276 | −$673 | |
| 40 | $8,348 | 6.625% | $1,640 | 144 | −$671 | |
| 41 | $8,434 | 6.875% | $1,790 | 66 | −$586 | |
| 42 | $8,462 | 6.990% | $3,602 | 15 | −$557 | |
| 43 | $8,487 | 6.625% | $1,867 | 58 | −$532 | |
| 44 | $8,529 | 6.625% | $2,657 | 13 | −$490 | |
| 45 | $8,559 | 6.875% | $2,290 | 75 | −$460 | |
| 46 | $8,687 | 6.625% | $1,150 | 11 | −$332 | |
| 47 | $8,694 | 6.125% | $1,465 | 268 | −$325 | |
| 48 | $8,725 | 6.096% | $1,475 | 22 | −$294 | |
| 49 | $8,749 | 6.000% | $1,025 | 15 | −$270 | |
| 50 | $8,824 | 6.125% | $1,425 | 27 | −$195 | |
| 51 | $8,902 | 6.963% | $1,690 | 132 | −$117 | |
| 52 | $8,906 | 6.875% | $2,102 | 106 | −$113 | |
| 53 | $8,933 | 6.812% | $3,145 | 38 | −$86 | |
| 54 | $9,105 | 6.625% | $2,476 | 70 | +$86 | |
| 55 | $9,270 | 6.625% | $2,170 | 96 | +$251 | |
| 56 | $9,310 | 6.375% | $1,250 | 160 | +$291 | |
| 57 | $9,354 | 6.875% | $5,308 | 12 | +$335 | |
| 58 | $9,519 | 6.875% | $3,834 | 110 | +$500 | |
| 59 | $9,547 | 6.250% | $995 | 25 | +$528 | |
| 60 | $9,605 | 6.750% | $2,259 | 21 | +$586 | |
| 61 | $9,685 | 6.500% | $1,280 | 70 | +$666 | |
| 62 | $9,868 | 6.625% | $5,107 | 12 | +$849 | |
| 63 | $10,100 | 6.625% | $3,142 | 88 | +$1,081 | |
| 64 | $10,118 | 6.250% | $2,461 | 285 | +$1,098 | |
| 65 | $10,145 | 7.000% | $3,858 | 202 | +$1,126 | |
| 66 | $10,151 | 7.125% | $4,635 | 19 | +$1,132 | |
| 67 | $10,183 | 6.625% | $4,662 | 112 | +$1,164 | |
| 68 | $10,243 | 6.875% | $3,403 | 41 | +$1,224 | |
| 69 | $10,365 | 7.125% | $3,553 | 47 | +$1,346 | |
| 70 | $10,414 | 6.875% | $3,303 | 96 | +$1,394 | |
| 71 | $10,583 | 6.875% | $4,868 | 26 | +$1,564 | |
| 72 | $10,615 | 6.750% | $5,820 | 51 | +$1,596 | |
| 73 | $10,707 | 6.990% | $2,801 | 15 | +$1,688 | |
| 74 | $10,774 | 6.970% | $4,180 | 276 | +$1,755 | |
| 75 | $10,791 | 7.000% | $5,512 | 66 | +$1,772 | |
| 76 | $10,933 | 6.990% | $4,915 | 28 | +$1,914 | |
| 77 | $10,995 | 6.750% | $5,040 | 1,480 | +$1,976 | |
| 78 | $11,099 | 6.875% | $6,050 | 14 | +$2,080 | |
| 79 | $11,195 | 6.875% | $5,642 | 238 | +$2,176 | |
| 80 | $11,236 | 6.999% | $3,544 | 10 | +$2,217 | |
| 81 | $11,355 | 6.624% | $4,719 | 157 | +$2,336 | |
| 82 | $11,389 | 7.125% | $6,142 | 11 | +$2,370 | |
| 83 | $11,537 | 7.000% | $6,589 | 28 | +$2,518 | |
| 84 | $11,562 | 7.125% | $3,149 | 13 | +$2,543 | |
| 85 | $11,584 | 6.875% | $4,642 | 57 | +$2,565 | |
| 86 | $11,613 | 6.750% | $5,798 | 64 | +$2,594 | |
| 87 | $11,733 | 7.250% | $7,257 | 47 | +$2,714 | |
| 88 | $12,225 | 6.625% | $6,619 | 14 | +$3,206 | |
| 89 | $12,395 | 7.000% | $6,516 | 16 | +$3,376 | |
| 90 | $12,854 | 6.625% | $7,176 | 46 | +$3,835 | |
| 91 | $12,943 | 6.812% | $8,080 | 26 | +$3,924 | |
| 92 | $13,006 | 6.750% | $6,885 | 50 | +$3,987 | |
| 93 | $13,124 | 7.250% | $7,320 | 143 | +$4,105 | |
| 94 | $13,419 | 6.625% | $7,924 | 72 | +$4,400 | |
| 95 | $13,497 | 6.875% | $6,822 | 74 | +$4,478 | |
| 96 | $13,812 | 7.188% | $8,315 | 14 | +$4,793 | |
| 97 | $14,146 | 6.625% | $1,495 | 23 | +$5,127 | |
| 98 | $14,184 | 6.875% | $7,740 | 41 | +$5,165 | |
| 99 | $14,581 | 6.750% | $8,627 | 50 | +$5,562 | |
| 100 | $16,345 | 7.375% | $9,690 | 35 | +$7,326 | |
| 101 | $16,648 | 7.249% | $9,817 | 64 | +$7,629 | |
| 102 | $16,864 | 7.312% | $9,611 | 10 | +$7,845 | |
| 103 | $17,134 | 7.495% | $9,832 | 30 | +$8,115 | |
| 104 | $17,310 | 6.750% | $12,981 | 22 | +$8,291 | |
| 105 | $18,708 | 7.375% | $11,225 | 18 | +$9,689 | |
| 106 | $18,870 | 7.250% | $12,930 | 57 | +$9,851 | |
| 107 | $19,352 | 7.375% | $13,377 | 109 | +$10,333 | |
| 108 | $19,890 | 7.500% | $13,900 | 37 | +$10,870 | |
| 109 | $20,100 | 7.000% | $13,710 | 10 | +$11,081 | |
| 110 | $20,206 | 7.125% | $13,219 | 19 | +$11,187 | |
| 111 | $20,462 | 7.750% | $13,565 | 23 | +$11,443 | |
| 112 | $21,394 | 7.375% | $13,645 | 49 | +$12,375 | |
| 113 | $21,477 | 7.058% | $12,695 | 16 | +$12,458 | |
| 114 | $21,563 | 7.999% | $15,070 | 47 | +$12,544 | |
| 115 | $22,118 | 7.374% | $14,795 | 16 | +$13,098 | |
| 116 | $22,316 | 6.750% | $15,543 | 36 | +$13,297 | |
| 117 | $22,860 | 7.250% | $15,370 | 14 | +$13,841 | |
| 118 | $23,227 | 7.375% | $16,007 | 54 | +$14,208 | |
| 119 | $23,551 | 7.875% | $17,662 | 13 | +$14,532 | |
| 120 | $24,027 | 7.375% | $13,970 | 19 | +$15,008 | |
| 121 | $24,264 | 8.875% | $18,215 | 16 | +$15,245 | |
| 122 | $25,380 | 7.812% | $17,590 | 10 | +$16,361 | |
| 123 | $27,370 | 7.500% | $18,672 | 45 | +$18,351 | |
| 124 | $29,560 | 7.250% | $20,295 | 17 | +$20,542 | |
| 125 | $32,696 | 7.500% | $21,315 | 19 | +$23,677 |
Includes lenders with 10+ purchase originations in Orange 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.