Lowest closing cost mortgage lenders in San Diego County County, California
In San Diego County, California, homebuyers paid a median of $10,073 in closing costs in 2024 — above the California median of $9,450. The county saw 18,044 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, CALIFORNIA CREDIT UNION offered the lowest median costs at $0, which is $8,802 less than the county median.
Homebuyers in San Diego County County who chose CALIFORNIA CREDIT UNION paid $10,073 less in closing costs than the county median.
County Median Costs
$10,073
+6.6% vs California ($9,450)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$2,476
Purchase Originations
18,044
vs California Median
6.6% above
$623
vs National Median
49.4% above
$3,332
Lender rankings in San Diego County County
131 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 5.875% | $0 | 149 | −$8,802 | |
| 2 | $519 | 5.750% | $0 | 17 | −$8,283 | |
| 3 | $1,918 | 6.625% | $0 | 47 | −$6,884 | |
| 4 | $4,698 | 6.375% | $900 | 14 | −$4,104 | |
| 5 | $4,873 | 5.562% | $1,465 | 18 | −$3,929 | |
| 6 | $4,934 | 6.375% | $0 | 49 | −$3,868 | |
| 7 | $5,744 | 6.500% | $500 | 509 | −$3,058 | |
| 8 | $5,871 | 6.500% | $1,080 | 30 | −$2,931 | |
| 9 | $5,978 | 4.950% | $500 | 18 | −$2,824 | |
| 10 | $6,070 | 6.375% | $0 | 213 | −$2,732 | |
| 11 | $6,497 | 6.625% | $250 | 21 | −$2,305 | |
| 12 | $6,623 | 6.625% | $1,500 | 24 | −$2,179 | |
| 13 | $6,709 | 6.500% | $1,050 | 359 | −$2,093 | |
| 14 | $6,752 | 6.625% | $840 | 22 | −$2,050 | |
| 15 | $6,787 | 6.500% | $1,125 | 60 | −$2,015 | |
| 16 | $6,808 | 6.625% | $1,273 | 25 | −$1,994 | |
| 17 | $6,826 | 6.750% | $1,569 | 13 | −$1,976 | |
| 18 | $7,094 | 6.990% | $2,350 | 11 | −$1,708 | |
| 19 | $7,116 | 6.500% | $1,760 | 220 | −$1,686 | |
| 20 | $7,134 | 7.125% | $1,380 | 14 | −$1,668 | |
| 21 | $7,296 | 5.925% | $815 | 96 | −$1,506 | |
| 22 | $7,300 | 5.875% | $695 | 55 | −$1,502 | |
| 23 | $7,396 | 6.625% | $1,590 | 111 | −$1,406 | |
| 24 | $7,545 | 6.625% | $2,090 | 23 | −$1,257 | |
| 25 | $7,576 | 6.125% | $1,640 | 115 | −$1,226 | |
| 26 | $7,590 | 6.933% | $2,372 | 34 | −$1,212 | |
| 27 | $7,604 | 6.125% | $1,200 | 10 | −$1,198 | |
| 28 | $7,633 | 6.750% | $1,895 | 101 | −$1,169 | |
| 29 | $7,673 | 6.375% | $1,295 | 615 | −$1,129 | |
| 30 | $7,779 | 6.250% | $995 | 17 | −$1,023 | |
| 31 | $7,799 | 6.625% | $1,075 | 11 | −$1,003 | |
| 32 | $7,830 | 6.500% | $995 | 21 | −$972 | |
| 33 | $7,863 | 6.900% | $1,640 | 89 | −$939 | |
| 34 | $7,878 | 6.808% | $1,293 | 16 | −$924 | |
| 35 | $8,003 | 6.750% | $1,825 | 85 | −$799 | |
| 36 | $8,013 | 6.625% | $3,554 | 1,137 | −$789 | |
| 37 | $8,066 | 6.625% | $2,840 | 159 | −$736 | |
| 38 | $8,126 | 6.500% | $1,280 | 34 | −$676 | |
| 39 | $8,131 | 6.750% | $2,993 | 45 | −$671 | |
| 40 | $8,198 | 6.625% | $3,492 | 101 | −$604 | |
| 41 | $8,230 | 6.625% | $1,788 | 103 | −$572 | |
| 42 | $8,231 | 6.875% | $2,391 | 69 | −$571 | |
| 43 | $8,247 | 6.125% | $1,190 | 122 | −$555 | |
| 44 | $8,280 | 6.750% | $1,758 | 240 | −$522 | |
| 45 | $8,331 | 6.875% | $3,495 | 27 | −$471 | |
| 46 | $8,345 | 6.875% | $1,690 | 96 | −$457 | |
| 47 | $8,440 | 6.990% | $4,017 | 23 | −$362 | |
| 48 | $8,495 | 6.625% | $1,358 | 19 | −$307 | |
| 49 | $8,549 | 6.625% | $3,499 | 167 | −$253 | |
| 50 | $8,608 | 6.500% | $2,571 | 21 | −$194 | |
| 51 | $8,608 | 6.875% | $1,640 | 48 | −$194 | |
| 52 | $8,621 | 6.000% | $1,465 | 246 | −$181 | |
| 53 | $8,698 | 5.995% | $1,475 | 27 | −$104 | |
| 54 | $8,756 | 6.990% | $2,394 | 11 | −$46 | |
| 55 | $8,786 | 6.500% | $1,250 | 88 | −$16 | |
| 56 | $8,803 | 6.625% | $4,765 | 14 | +$1 | |
| 57 | $8,811 | 6.875% | $4,132 | 37 | +$9 | |
| 58 | $8,819 | 6.625% | $3,691 | 148 | +$17 | |
| 59 | $8,895 | 6.875% | $3,015 | 145 | +$93 | |
| 60 | $9,024 | 6.990% | $2,774 | 38 | +$222 | |
| 61 | $9,043 | 6.875% | $2,225 | 43 | +$241 | |
| 62 | $9,086 | 6.990% | $3,274 | 110 | +$284 | |
| 63 | $9,196 | 6.875% | $4,001 | 201 | +$394 | |
| 64 | $9,470 | 6.625% | $3,268 | 12 | +$668 | |
| 65 | $9,513 | 6.990% | $3,937 | 156 | +$711 | |
| 66 | $9,555 | 7.062% | $5,030 | 28 | +$753 | |
| 67 | $9,620 | 6.875% | $2,069 | 180 | +$818 | |
| 68 | $9,622 | 6.750% | $4,142 | 38 | +$820 | |
| 69 | $9,641 | 6.312% | $2,409 | 300 | +$839 | |
| 70 | $9,733 | 6.620% | $5,085 | 44 | +$931 | |
| 71 | $9,848 | 7.125% | $3,464 | 18 | +$1,046 | |
| 72 | $10,011 | 6.625% | $4,513 | 35 | +$1,209 | |
| 73 | $10,178 | 6.875% | $5,396 | 103 | +$1,376 | |
| 74 | $10,253 | 7.125% | $5,052 | 23 | +$1,451 | |
| 75 | $10,303 | 6.875% | $4,146 | 119 | +$1,501 | |
| 76 | $10,332 | 5.850% | $4,882 | 20 | +$1,530 | |
| 77 | $10,348 | 6.625% | $4,759 | 2,346 | +$1,546 | |
| 78 | $10,397 | 6.625% | $3,576 | 236 | +$1,595 | |
| 79 | $10,435 | 6.625% | $5,890 | 13 | +$1,633 | |
| 80 | $10,699 | 6.875% | $4,553 | 33 | +$1,897 | |
| 81 | $10,809 | 6.995% | $6,194 | 66 | +$2,007 | |
| 82 | $10,834 | 6.990% | $5,635 | 641 | +$2,032 | |
| 83 | $11,011 | 6.625% | $6,233 | 160 | +$2,209 | |
| 84 | $11,012 | 7.625% | $7,150 | 16 | +$2,210 | |
| 85 | $11,310 | 6.875% | $3,100 | 35 | +$2,508 | |
| 86 | $11,327 | 7.125% | $6,421 | 43 | +$2,525 | |
| 87 | $11,330 | 6.625% | $6,315 | 46 | +$2,528 | |
| 88 | $11,536 | 6.875% | $5,849 | 65 | +$2,734 | |
| 89 | $11,602 | 7.125% | $6,501 | 14 | +$2,800 | |
| 90 | $11,644 | 6.375% | $1,425 | 47 | +$2,842 | |
| 91 | $11,665 | 6.500% | $7,019 | 11 | +$2,863 | |
| 92 | $11,692 | 6.990% | $7,148 | 22 | +$2,890 | |
| 93 | $11,751 | 6.625% | $7,167 | 16 | +$2,949 | |
| 94 | $11,758 | 6.625% | $5,868 | 30 | +$2,956 | |
| 95 | $11,777 | 6.990% | $6,495 | 13 | +$2,975 | |
| 96 | $11,842 | 7.125% | $6,245 | 27 | +$3,040 | |
| 97 | $11,862 | 6.875% | $6,464 | 75 | +$3,060 | |
| 98 | $12,007 | 6.990% | $6,998 | 91 | +$3,205 | |
| 99 | $12,192 | 7.250% | $7,220 | 17 | +$3,390 | |
| 100 | $12,663 | 6.812% | $7,514 | 44 | +$3,861 | |
| 101 | $12,784 | 6.875% | $6,812 | 22 | +$3,982 | |
| 102 | $13,096 | 6.990% | $7,871 | 33 | +$4,294 | |
| 103 | $13,200 | 6.625% | $8,121 | 76 | +$4,398 | |
| 104 | $13,616 | 7.125% | $8,106 | 22 | +$4,814 | |
| 105 | $13,802 | 7.500% | $9,840 | 11 | +$5,000 | |
| 106 | $14,557 | 6.750% | $8,484 | 39 | +$5,755 | |
| 107 | $15,822 | 7.375% | $8,906 | 10 | +$7,020 | |
| 108 | $15,827 | 7.625% | $10,928 | 19 | +$7,025 | |
| 109 | $17,304 | 7.311% | $10,631 | 32 | +$8,502 | |
| 110 | $17,525 | 7.625% | $12,150 | 33 | +$8,723 | |
| 111 | $18,026 | 7.374% | $12,070 | 33 | +$9,224 | |
| 112 | $18,122 | 7.625% | $13,975 | 11 | +$9,320 | |
| 113 | $18,632 | 7.250% | $9,589 | 11 | +$9,830 | |
| 114 | $18,867 | 7.500% | $12,694 | 23 | +$10,065 | |
| 115 | $19,277 | 6.999% | $12,775 | 67 | +$10,475 | |
| 116 | $19,435 | 7.312% | $14,448 | 14 | +$10,633 | |
| 117 | $19,988 | 7.500% | $12,498 | 46 | +$11,186 | |
| 118 | $20,010 | 7.688% | $13,196 | 10 | +$11,208 | |
| 119 | $20,260 | 7.375% | $15,701 | 23 | +$11,458 | |
| 120 | $21,572 | 8.375% | $16,995 | 11 | +$12,770 | |
| 121 | $21,842 | 8.125% | $15,890 | 11 | +$13,040 | |
| 122 | $22,945 | 8.250% | $16,166 | 37 | +$14,143 | |
| 123 | $23,507 | 7.312% | $15,031 | 10 | +$14,705 | |
| 124 | $24,984 | 7.500% | $17,102 | 19 | +$16,182 | |
| 125 | $26,880 | 7.750% | $19,899 | 33 | +$18,078 | |
| 126 | $29,935 | 9.000% | $24,374 | 26 | +$21,133 |
Includes lenders with 10+ purchase originations in San Diego 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.