Lowest closing cost mortgage lenders in Placer County County, California
In Placer County, California, homebuyers paid a median of $7,226 in closing costs in 2024 — below the California median of $9,450. The county saw 4,793 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, PULTE MORTGAGE LLC offered the lowest median costs at $207, which is $6,046 less than the county median.
Homebuyers in Placer County County who chose PULTE MORTGAGE LLC paid $7,019 less in closing costs than the county median.
County Median Costs
$7,226
−23.5% vs California ($9,450)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$2,581
Purchase Originations
4,793
vs California Median
23.5% below
$-2,224
vs National Median
7.2% above
$485
Lender rankings in Placer County County
58 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $207 | 6.125% | $0 | 21 | −$6,046 | |
| 2 | $1,371 | 5.875% | $0 | 64 | −$4,882 | |
| 3 | $3,120 | 6.375% | $0 | 17 | −$3,134 | |
| 4 | $3,849 | 6.625% | $995 | 20 | −$2,404 | |
| 5 | $3,866 | 6.562% | $1,683 | 44 | −$2,387 | |
| 6 | $3,905 | 5.500% | $0 | 70 | −$2,348 | |
| 7 | $4,157 | 6.200% | $815 | 15 | −$2,096 | |
| 8 | $4,602 | 6.375% | $126 | 45 | −$1,651 | |
| 9 | $4,796 | 6.500% | $1,519 | 31 | −$1,457 | |
| 10 | $4,891 | 6.490% | $2,070 | 11 | −$1,362 | |
| 11 | $4,895 | 6.625% | $1,479 | 10 | −$1,358 | |
| 12 | $5,034 | 6.125% | $1,595 | 127 | −$1,219 | |
| 13 | $5,066 | 6.625% | $1,740 | 18 | −$1,187 | |
| 14 | $5,071 | 5.750% | $1,700 | 10 | −$1,182 | |
| 15 | $5,118 | 6.875% | $1,295 | 11 | −$1,135 | |
| 16 | $5,249 | 6.125% | $1,465 | 13 | −$1,004 | |
| 17 | $5,462 | 6.933% | $1,490 | 16 | −$790 | |
| 18 | $5,477 | 6.125% | $1,465 | 31 | −$776 | |
| 19 | $5,488 | 6.575% | $1,640 | 24 | −$766 | |
| 20 | $5,489 | 6.625% | $1,295 | 125 | −$764 | |
| 21 | $5,536 | 6.625% | $1,684 | 38 | −$717 | |
| 22 | $5,774 | 6.625% | $3,023 | 268 | −$479 | |
| 23 | $5,982 | 6.625% | $2,539 | 110 | −$271 | |
| 24 | $6,088 | 5.125% | $1,835 | 261 | −$165 | |
| 25 | $6,166 | 6.500% | $1,676 | 53 | −$87 | |
| 26 | $6,234 | 6.625% | $1,250 | 27 | −$19 | |
| 27 | $6,302 | 6.625% | $2,226 | 32 | +$49 | |
| 28 | $6,749 | 6.990% | $3,776 | 97 | +$496 | |
| 29 | $6,805 | 6.812% | $2,590 | 26 | +$552 | |
| 30 | $6,826 | 6.990% | $3,335 | 20 | +$573 | |
| 31 | $6,890 | 6.933% | $3,804 | 20 | +$637 | |
| 32 | $6,999 | 6.625% | $4,154 | 18 | +$746 | |
| 33 | $7,068 | 7.000% | $3,950 | 13 | +$815 | |
| 34 | $7,118 | 6.875% | $3,810 | 59 | +$865 | |
| 35 | $7,154 | 6.625% | $4,004 | 749 | +$901 | |
| 36 | $7,242 | 6.624% | $4,316 | 29 | +$989 | |
| 37 | $7,544 | 6.875% | $4,089 | 22 | +$1,291 | |
| 38 | $7,754 | 6.750% | $3,867 | 98 | +$1,501 | |
| 39 | $7,776 | 6.500% | $4,725 | 59 | +$1,523 | |
| 40 | $8,263 | 6.990% | $5,137 | 24 | +$2,010 | |
| 41 | $8,290 | 6.875% | $5,006 | 13 | +$2,037 | |
| 42 | $8,450 | 7.125% | $5,201 | 10 | +$2,197 | |
| 43 | $8,652 | 6.990% | $5,710 | 19 | +$2,399 | |
| 44 | $8,684 | 6.625% | $5,670 | 13 | +$2,431 | |
| 45 | $8,726 | 6.312% | $5,838 | 60 | +$2,473 | |
| 46 | $8,758 | 6.875% | $5,712 | 27 | +$2,505 | |
| 47 | $8,760 | 6.625% | $5,313 | 12 | +$2,507 | |
| 48 | $8,770 | 6.990% | $3,536 | 17 | +$2,516 | |
| 49 | $8,912 | 7.125% | $5,552 | 19 | +$2,659 | |
| 50 | $8,916 | 6.625% | $6,108 | 71 | +$2,663 | |
| 51 | $8,968 | 6.125% | $6,275 | 164 | +$2,715 | |
| 52 | $9,052 | 6.625% | $6,500 | 13 | +$2,799 | |
| 53 | $9,833 | 6.750% | $7,095 | 27 | +$3,580 | |
| 54 | $9,879 | 6.600% | $5,413 | 69 | +$3,626 | |
| 55 | $9,912 | 6.625% | $6,348 | 81 | +$3,659 | |
| 56 | $12,998 | 6.625% | $9,399 | 10 | +$6,745 | |
| 57 | $14,328 | 7.125% | $10,655 | 10 | +$8,076 |
Includes lenders with 10+ purchase originations in Placer 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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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.