Lowest closing cost mortgage lenders in San Bernardino County County, California
In San Bernardino County, California, homebuyers paid a median of $12,174 in closing costs in 2024 — above the California median of $9,450. The county saw 13,750 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, NQM FUNDING, LLC offered the lowest median costs at $0, which is $8,526 less than the county median.
Homebuyers in San Bernardino County County who chose NQM FUNDING, LLC paid $12,174 less in closing costs than the county median.
County Median Costs
$12,174
+28.8% vs California ($9,450)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$4,025
Purchase Originations
13,750
vs California Median
28.8% above
$2,724
vs National Median
80.6% above
$5,433
Lender rankings in San Bernardino County County
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 | 8.687% | $0 | 14 | −$8,526 | |
| 2 | $0 | 5.938% | $0 | 12 | −$8,526 | |
| 3 | $570 | 6.625% | $0 | 11 | −$7,956 | |
| 4 | $590 | 5.625% | $0 | 77 | −$7,936 | |
| 5 | $1,680 | 6.250% | $0 | 59 | −$6,846 | |
| 6 | $4,120 | 6.250% | $0 | 10 | −$4,406 | |
| 7 | $4,358 | 5.875% | $1,465 | 15 | −$4,168 | |
| 8 | $4,477 | 5.500% | $0 | 29 | −$4,049 | |
| 9 | $4,709 | 5.875% | $113 | 26 | −$3,817 | |
| 10 | $4,920 | 6.625% | $0 | 206 | −$3,606 | |
| 11 | $4,927 | 6.125% | $565 | 13 | −$3,599 | |
| 12 | $5,063 | 6.875% | $1,080 | 105 | −$3,463 | |
| 13 | $5,203 | 6.375% | $0 | 56 | −$3,323 | |
| 14 | $5,696 | 6.625% | $2,295 | 33 | −$2,830 | |
| 15 | $5,930 | 6.500% | $1,616 | 259 | −$2,596 | |
| 16 | $5,984 | 6.125% | $1,665 | 71 | −$2,542 | |
| 17 | $6,060 | 7.075% | $1,972 | 12 | −$2,466 | |
| 18 | $6,268 | 5.500% | $1,755 | 585 | −$2,258 | |
| 19 | $6,336 | 6.500% | $1,280 | 12 | −$2,190 | |
| 20 | $6,430 | 6.500% | $1,641 | 41 | −$2,096 | |
| 21 | $6,459 | 7.125% | $1,380 | 23 | −$2,067 | |
| 22 | $6,630 | 6.625% | $1,919 | 208 | −$1,896 | |
| 23 | $6,786 | 6.375% | $995 | 13 | −$1,740 | |
| 24 | $6,857 | 6.625% | $2,828 | 93 | −$1,669 | |
| 25 | $6,876 | 7.000% | $1,665 | 11 | −$1,650 | |
| 26 | $6,962 | 5.875% | $1,682 | 65 | −$1,564 | |
| 27 | $7,294 | 6.500% | $1,290 | 13 | −$1,232 | |
| 28 | $7,366 | 6.875% | $1,790 | 40 | −$1,160 | |
| 29 | $7,404 | 6.562% | $1,250 | 32 | −$1,122 | |
| 30 | $7,465 | 6.990% | $3,471 | 10 | −$1,061 | |
| 31 | $7,681 | 6.500% | $1,799 | 31 | −$845 | |
| 32 | $7,784 | 6.500% | $2,394 | 51 | −$742 | |
| 33 | $7,789 | 6.990% | $2,759 | 20 | −$737 | |
| 34 | $7,812 | 6.625% | $3,727 | 35 | −$714 | |
| 35 | $7,837 | 6.562% | $4,152 | 14 | −$689 | |
| 36 | $7,843 | 6.500% | $3,615 | 52 | −$683 | |
| 37 | $8,019 | 6.862% | $2,976 | 80 | −$507 | |
| 38 | $8,193 | 6.990% | $4,084 | 19 | −$333 | |
| 39 | $8,278 | 6.490% | $3,551 | 17 | −$248 | |
| 40 | $8,348 | 6.625% | $4,753 | 574 | −$178 | |
| 41 | $8,371 | 6.990% | $4,680 | 13 | −$155 | |
| 42 | $8,420 | 6.750% | $4,749 | 58 | −$106 | |
| 43 | $8,465 | 6.625% | $3,351 | 68 | −$61 | |
| 44 | $8,552 | 6.624% | $3,707 | 68 | +$26 | |
| 45 | $8,564 | 6.433% | $2,720 | 16 | +$38 | |
| 46 | $8,576 | 6.990% | $4,298 | 12 | +$50 | |
| 47 | $8,737 | 6.875% | $4,474 | 80 | +$211 | |
| 48 | $8,778 | 6.875% | $4,686 | 182 | +$252 | |
| 49 | $8,849 | 6.625% | $4,964 | 13 | +$323 | |
| 50 | $8,861 | 6.387% | $3,229 | 41 | +$335 | |
| 51 | $8,888 | 6.875% | $4,350 | 95 | +$362 | |
| 52 | $8,894 | 6.625% | $4,889 | 18 | +$368 | |
| 53 | $8,900 | 6.500% | $4,398 | 27 | +$374 | |
| 54 | $8,934 | 6.688% | $5,131 | 58 | +$408 | |
| 55 | $9,302 | 6.990% | $4,160 | 46 | +$776 | |
| 56 | $9,388 | 6.875% | $5,168 | 27 | +$862 | |
| 57 | $9,542 | 6.875% | $5,678 | 54 | +$1,016 | |
| 58 | $9,673 | 6.537% | $4,937 | 224 | +$1,147 | |
| 59 | $9,686 | 6.625% | $5,136 | 59 | +$1,160 | |
| 60 | $9,756 | 7.000% | $3,970 | 15 | +$1,230 | |
| 61 | $9,776 | 6.625% | $5,477 | 36 | +$1,250 | |
| 62 | $9,855 | 6.625% | $4,763 | 33 | +$1,329 | |
| 63 | $9,902 | 6.990% | $6,345 | 11 | +$1,376 | |
| 64 | $9,959 | 6.625% | $5,784 | 107 | +$1,433 | |
| 65 | $10,022 | 6.625% | $5,765 | 58 | +$1,496 | |
| 66 | $10,081 | 6.625% | $6,120 | 27 | +$1,555 | |
| 67 | $10,194 | 6.750% | $5,569 | 25 | +$1,668 | |
| 68 | $10,221 | 6.990% | $6,169 | 11 | +$1,695 | |
| 69 | $10,318 | 6.875% | $5,453 | 30 | +$1,792 | |
| 70 | $10,430 | 6.875% | $5,976 | 74 | +$1,904 | |
| 71 | $10,462 | 7.312% | $6,404 | 14 | +$1,936 | |
| 72 | $10,567 | 6.970% | $6,086 | 136 | +$2,041 | |
| 73 | $10,734 | 6.990% | $5,149 | 10 | +$2,208 | |
| 74 | $10,741 | 6.875% | $5,975 | 41 | +$2,215 | |
| 75 | $10,753 | 6.500% | $6,029 | 52 | +$2,227 | |
| 76 | $10,755 | 6.875% | $6,290 | 67 | +$2,229 | |
| 77 | $10,824 | 6.625% | $6,647 | 17 | +$2,298 | |
| 78 | $10,976 | 6.625% | $6,923 | 37 | +$2,450 | |
| 79 | $11,001 | 6.875% | $5,924 | 40 | +$2,475 | |
| 80 | $11,196 | 6.625% | $6,426 | 1,250 | +$2,670 | |
| 81 | $11,455 | 6.990% | $6,729 | 23 | +$2,929 | |
| 82 | $11,561 | 6.750% | $6,902 | 27 | +$3,035 | |
| 83 | $11,848 | 6.625% | $6,739 | 34 | +$3,322 | |
| 84 | $11,851 | 7.000% | $7,794 | 19 | +$3,325 | |
| 85 | $11,883 | 6.990% | $6,679 | 23 | +$3,357 | |
| 86 | $11,922 | 6.875% | $7,477 | 29 | +$3,396 | |
| 87 | $11,964 | 7.000% | $7,345 | 135 | +$3,438 | |
| 88 | $12,109 | 6.990% | $7,861 | 10 | +$3,583 | |
| 89 | $12,229 | 7.250% | $7,609 | 139 | +$3,703 | |
| 90 | $12,351 | 6.875% | $8,841 | 26 | +$3,825 | |
| 91 | $12,566 | 6.625% | $7,005 | 11 | +$4,040 | |
| 92 | $12,664 | 6.875% | $7,460 | 15 | +$4,138 | |
| 93 | $12,698 | 7.000% | $8,337 | 41 | +$4,172 | |
| 94 | $12,967 | 7.188% | $8,115 | 10 | +$4,441 | |
| 95 | $13,060 | 7.250% | $7,790 | 35 | +$4,534 | |
| 96 | $13,398 | 7.375% | $8,878 | 14 | +$4,872 | |
| 97 | $13,640 | 5.990% | $10,678 | 30 | +$5,114 | |
| 98 | $13,677 | 6.438% | $8,814 | 22 | +$5,151 | |
| 99 | $13,772 | 7.000% | $8,710 | 295 | +$5,246 | |
| 100 | $13,994 | 7.062% | $9,604 | 34 | +$5,468 | |
| 101 | $14,010 | 8.625% | $8,452 | 16 | +$5,484 | |
| 102 | $14,212 | 6.750% | $9,023 | 10 | +$5,686 | |
| 103 | $14,360 | 7.750% | $8,318 | 15 | +$5,834 | |
| 104 | $14,741 | 7.125% | $9,806 | 55 | +$6,215 | |
| 105 | $15,469 | 8.250% | $10,561 | 16 | +$6,943 | |
| 106 | $15,584 | 7.990% | $10,259 | 13 | +$7,058 | |
| 107 | $17,163 | 8.000% | $12,558 | 10 | +$8,637 | |
| 108 | $17,307 | 7.750% | $11,389 | 26 | +$8,781 | |
| 109 | $17,634 | 9.625% | $13,555 | 11 | +$9,108 | |
| 110 | $19,896 | 9.250% | $14,593 | 11 | +$11,370 |
Includes lenders with 10+ purchase originations in San Bernardino 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.