Lowest closing cost mortgage lenders in Sacramento County County, California
In Sacramento County, California, homebuyers paid a median of $7,596 in closing costs in 2024 — below the California median of $9,450. The county saw 11,769 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, HOMEAMERICAN MORTGAGE CORPORATION offered the lowest median costs at $456, which is $5,920 less than the county median.
Homebuyers in Sacramento County County who chose HOMEAMERICAN MORTGAGE CORPORATION paid $7,140 less in closing costs than the county median.
County Median Costs
$7,596
−19.6% vs California ($9,450)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$3,110
Purchase Originations
11,769
vs California Median
19.6% below
$-1,854
vs National Median
12.7% above
$855
Lender rankings in Sacramento County County
100 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $456 | 5.875% | $0 | 160 | −$5,920 | |
| 2 | $1,555 | 5.750% | $0 | 63 | −$4,821 | |
| 3 | $3,009 | 6.625% | $0 | 57 | −$3,367 | |
| 4 | $3,125 | 6.375% | $0 | 38 | −$3,251 | |
| 5 | $3,567 | 6.625% | $250 | 14 | −$2,809 | |
| 6 | $3,703 | 6.500% | $995 | 25 | −$2,673 | |
| 7 | $3,799 | 6.500% | $1,080 | 58 | −$2,577 | |
| 8 | $3,918 | 6.750% | $1,145 | 10 | −$2,458 | |
| 9 | $4,029 | 6.625% | $0 | 64 | −$2,347 | |
| 10 | $4,280 | 6.025% | $815 | 14 | −$2,096 | |
| 11 | $4,353 | 6.625% | $995 | 131 | −$2,023 | |
| 12 | $4,361 | 6.625% | $1,025 | 24 | −$2,015 | |
| 13 | $4,598 | 6.750% | $1,756 | 11 | −$1,778 | |
| 14 | $4,612 | 6.625% | $1,782 | 110 | −$1,764 | |
| 15 | $4,614 | 6.250% | $1,460 | 100 | −$1,762 | |
| 16 | $4,682 | 6.625% | $125 | 218 | −$1,694 | |
| 17 | $4,782 | 6.625% | $1,790 | 27 | −$1,594 | |
| 18 | $4,906 | 6.725% | $1,854 | 44 | −$1,470 | |
| 19 | $4,908 | 6.250% | $995 | 13 | −$1,468 | |
| 20 | $4,927 | 6.375% | $1,895 | 12 | −$1,449 | |
| 21 | $4,984 | 6.990% | $2,125 | 15 | −$1,392 | |
| 22 | $5,038 | 6.625% | $1,050 | 12 | −$1,338 | |
| 23 | $5,057 | 6.375% | $1,724 | 15 | −$1,319 | |
| 24 | $5,058 | 6.500% | $1,562 | 105 | −$1,318 | |
| 25 | $5,080 | 6.562% | $1,477 | 14 | −$1,296 | |
| 26 | $5,206 | 6.624% | $1,819 | 20 | −$1,170 | |
| 27 | $5,252 | 6.625% | $1,947 | 22 | −$1,124 | |
| 28 | $5,308 | 6.625% | $1,973 | 13 | −$1,068 | |
| 29 | $5,326 | 6.500% | $1,260 | 10 | −$1,050 | |
| 30 | $5,375 | 5.750% | $1,700 | 77 | −$1,001 | |
| 31 | $5,411 | 7.125% | $1,949 | 10 | −$965 | |
| 32 | $5,423 | 6.500% | $1,895 | 19 | −$953 | |
| 33 | $5,429 | 6.500% | $1,785 | 214 | −$947 | |
| 34 | $5,432 | 6.750% | $1,890 | 31 | −$944 | |
| 35 | $5,433 | 6.625% | $2,494 | 35 | −$943 | |
| 36 | $5,510 | 6.875% | $2,640 | 71 | −$866 | |
| 37 | $5,518 | 6.625% | $1,983 | 65 | −$858 | |
| 38 | $5,584 | 6.466% | $1,465 | 11 | −$792 | |
| 39 | $5,637 | 6.500% | $1,250 | 48 | −$739 | |
| 40 | $5,700 | 6.625% | $3,163 | 43 | −$676 | |
| 41 | $5,795 | 6.625% | $2,785 | 66 | −$581 | |
| 42 | $5,841 | 6.490% | $1,675 | 53 | −$535 | |
| 43 | $5,892 | 6.500% | $3,261 | 13 | −$484 | |
| 44 | $5,951 | 6.500% | $2,003 | 67 | −$425 | |
| 45 | $5,978 | 6.625% | $2,741 | 252 | −$398 | |
| 46 | $6,047 | 6.625% | $3,726 | 771 | −$329 | |
| 47 | $6,083 | 6.500% | $2,714 | 295 | −$293 | |
| 48 | $6,489 | 7.125% | $3,850 | 19 | +$113 | |
| 49 | $6,490 | 6.875% | $3,008 | 64 | +$114 | |
| 50 | $6,491 | 6.990% | $1,782 | 13 | +$115 | |
| 51 | $6,515 | 5.990% | $3,574 | 32 | +$139 | |
| 52 | $6,678 | 5.250% | $2,307 | 683 | +$302 | |
| 53 | $6,725 | 6.625% | $3,099 | 14 | +$349 | |
| 54 | $6,758 | 6.625% | $3,001 | 68 | +$382 | |
| 55 | $6,801 | 6.875% | $4,850 | 15 | +$425 | |
| 56 | $6,813 | 6.625% | $4,083 | 76 | +$437 | |
| 57 | $6,913 | 6.750% | $3,719 | 107 | +$537 | |
| 58 | $6,960 | 6.937% | $3,780 | 51 | +$584 | |
| 59 | $7,074 | 6.933% | $4,307 | 250 | +$698 | |
| 60 | $7,090 | 6.625% | $4,608 | 14 | +$714 | |
| 61 | $7,142 | 6.625% | $4,048 | 1,898 | +$766 | |
| 62 | $7,196 | 6.875% | $3,861 | 118 | +$820 | |
| 63 | $7,269 | 6.000% | $4,746 | 10 | +$893 | |
| 64 | $7,431 | 6.688% | $4,444 | 28 | +$1,055 | |
| 65 | $7,461 | 6.625% | $4,235 | 99 | +$1,085 | |
| 66 | $7,653 | 6.688% | $4,438 | 34 | +$1,277 | |
| 67 | $7,672 | 6.500% | $3,837 | 13 | +$1,296 | |
| 68 | $7,810 | 6.990% | $4,166 | 32 | +$1,434 | |
| 69 | $7,920 | 7.125% | $4,933 | 22 | +$1,544 | |
| 70 | $7,937 | 6.875% | $4,797 | 20 | +$1,561 | |
| 71 | $8,007 | 6.990% | $5,332 | 17 | +$1,631 | |
| 72 | $8,054 | 7.058% | $4,902 | 42 | +$1,678 | |
| 73 | $8,075 | 6.625% | $5,226 | 17 | +$1,699 | |
| 74 | $8,286 | 6.875% | $5,009 | 36 | +$1,910 | |
| 75 | $8,351 | 6.688% | $5,003 | 330 | +$1,975 | |
| 76 | $8,387 | 6.875% | $4,581 | 53 | +$2,011 | |
| 77 | $8,407 | 7.058% | $5,524 | 10 | +$2,031 | |
| 78 | $8,414 | 6.750% | $4,077 | 24 | +$2,038 | |
| 79 | $8,467 | 6.875% | $5,317 | 17 | +$2,091 | |
| 80 | $8,510 | 6.875% | $5,162 | 36 | +$2,134 | |
| 81 | $8,721 | 6.990% | $5,539 | 19 | +$2,345 | |
| 82 | $8,787 | 6.625% | $5,679 | 22 | +$2,411 | |
| 83 | $8,961 | 7.188% | $5,168 | 26 | +$2,585 | |
| 84 | $8,991 | 6.750% | $6,178 | 102 | +$2,615 | |
| 85 | $9,032 | 6.875% | $5,694 | 56 | +$2,656 | |
| 86 | $9,108 | 6.490% | $4,528 | 127 | +$2,732 | |
| 87 | $9,174 | 8.058% | $6,193 | 10 | +$2,798 | |
| 88 | $9,336 | 6.625% | $6,221 | 114 | +$2,960 | |
| 89 | $9,630 | 6.812% | $6,979 | 10 | +$3,254 | |
| 90 | $9,899 | 6.875% | $7,268 | 64 | +$3,523 | |
| 91 | $10,788 | 6.812% | $7,657 | 48 | +$4,412 | |
| 92 | $10,865 | 7.125% | $7,684 | 11 | +$4,489 | |
| 93 | $11,046 | 6.750% | $8,258 | 45 | +$4,670 | |
| 94 | $13,311 | 7.750% | $9,988 | 14 | +$6,935 | |
| 95 | $15,079 | 7.438% | $12,347 | 16 | +$8,703 | |
| 96 | $21,212 | 8.938% | $16,740 | 14 | +$14,836 |
Includes lenders with 10+ purchase originations in Sacramento 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.