Homebuyers in San Benito County County who chose Shea Mortgage Inc. paid $9,544 less in closing costs than the county median.
County Median Costs
$10,854
+16.6% vs California ($9,309)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$3,382
Purchase Originations
503
Denial Rate
4.3%
vs California avg (7.1%)
vs California Median
16.6% above
$1,545
vs National Median
62.5% above
$4,174
9 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,310 | 6.375% | $0 | 13 | −$6,133 | |
| 2 | $6,008 | 6.438% | $3,696 | 10 | −$1,435 | |
| 3 | $6,794 | 6.500% | $3,281 | 37 | −$649 | |
| 4 | $7,241 | 6.250% | $3,382 | 17 | −$202 | |
| 5 | $8,377 | 6.750% | $5,950 | 14 | +$934 | |
| 6 | $8,531 | 6.438% | $4,963 | 34 | +$1,088 | |
| 7 | $9,388 | 6.500% | $7,131 | 34 | +$1,945 | |
| 8 | $11,138 | 6.499% | $5,977 | 19 | +$3,695 |
Includes lenders with 10+ purchase originations in San Benito 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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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 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.