Homebuyers in San Bernardino County County who chose NQM FUNDING, LLC paid $11,908 less in closing costs than the county median.
County Median Costs
$11,908
+27.9% vs California ($9,309)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$2,901
Purchase Originations
13,138
Denial Rate
7.8%
vs California avg (7.1%)
vs California Median
27.9% above
$2,599
vs National Median
78.3% above
$5,228
118 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.999% | $0 | 10 | −$8,024 | |
| 2 | $0 | 6.188% | $0 | 10 | −$8,024 | |
| 3 | $0 | 5.938% | $0 | 12 | −$8,024 | |
| 4 | $539 | 4.875% | $0 | 55 | −$7,485 | |
| 5 | $1,172 | 4.990% | $0 | 21 | −$6,852 | |
| 6 | $1,450 | 9.250% | $995 | 35 | −$6,574 | |
| 7 | $4,427 | 6.188% | $101 | 12 | −$3,597 | |
| 8 | $4,506 | 6.250% | $0 | 10 | −$3,518 | |
| 9 | $4,692 | 6.250% | $0 | 244 | −$3,332 | |
| 10 | $4,858 | 5.375% | $1,500 | 23 | −$3,166 | |
| 11 | $5,042 | 5.500% | $0 | 30 | −$2,982 | |
| 12 | $5,239 | 5.500% | $1,800 | 18 | −$2,785 | |
| 13 | $5,264 | 6.625% | $0 | 44 | −$2,760 | |
| 14 | $5,460 | 6.625% | $1,590 | 45 | −$2,564 | |
| 15 | $5,774 | 4.990% | $1,490 | 38 | −$2,250 | |
| 16 | $5,861 | 6.250% | $1,380 | 27 | −$2,163 | |
| 17 | $5,917 | 6.125% | $1,950 | 12 | −$2,107 | |
| 18 | $5,959 | 6.500% | $995 | 10 | −$2,065 | |
| 19 | $5,990 | 4.750% | $1,705 | 401 | −$2,034 | |
| 20 | $6,118 | 6.375% | $1,380 | 159 | −$1,906 | |
| 21 | $6,237 | 6.000% | $1,705 | 53 | −$1,787 | |
| 22 | $6,247 | 6.390% | $1,150 | 104 | −$1,777 | |
| 23 | $6,285 | 6.500% | $1,500 | 19 | −$1,739 | |
| 24 | $6,311 | 6.500% | $2,327 | 10 | −$1,713 | |
| 25 | $6,407 | 6.375% | $1,768 | 182 | −$1,617 |
Includes lenders with 10+ purchase originations in San Bernardino 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.