Homebuyers in San Diego County County who chose CALIFORNIA CREDIT UNION paid $9,741 less in closing costs than the county median.
County Median Costs
$9,741
+4.6% vs California ($9,309)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$2,100
Purchase Originations
17,231
Denial Rate
7.3%
vs California avg (7.1%)
vs California Median
4.6% above
$432
vs National Median
45.8% above
$3,061
139 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 5.625% | $0 | 188 | −$8,707 | |
| 2 | $723 | 5.562% | $0 | 16 | −$7,984 | |
| 3 | $1,250 | 6.375% | $0 | 23 | −$7,457 | |
| 4 | $1,450 | 9.250% | $995 | 14 | −$7,257 | |
| 5 | $5,286 | 5.938% | $0 | 76 | −$3,422 | |
| 6 | $5,742 | 6.125% | $650 | 443 | −$2,965 | |
| 7 | $5,778 | 6.500% | $0 | 145 | −$2,929 | |
| 8 | $6,090 | 6.490% | $250 | 17 | −$2,617 | |
| 9 | $6,230 | 6.125% | $109 | 16 | −$2,477 | |
| 10 | $6,267 | 6.375% | $1,675 | 17 | −$2,440 | |
| 11 | $6,305 | 6.312% | $1,380 | 12 | −$2,402 | |
| 12 | $6,398 | 6.875% | $1,039 | 11 | −$2,310 | |
| 13 | $6,525 | 6.000% | $1,450 | 31 | −$2,182 | |
| 14 | $6,658 | 4.930% | $500 | 25 | −$2,049 | |
| 15 | $6,708 | 4.990% | $1,645 | 430 | −$1,999 | |
| 16 | $6,739 | 6.558% | $1,327 | 18 | −$1,968 | |
| 17 | $6,937 | 6.750% | $2,288 | 11 | −$1,770 | |
| 18 | $6,956 | 5.875% | $1,050 | 435 | −$1,751 | |
| 19 | $7,023 | 5.750% | $900 | 16 | −$1,684 | |
| 20 | $7,093 | 6.370% | $1,494 | 20 | −$1,614 | |
| 21 | $7,101 | 7.125% | $1,478 | 13 | −$1,606 | |
| 22 | $7,349 | 6.375% | $1,490 | 44 | −$1,358 | |
| 23 | $7,423 | 6.000% | $1,200 | 18 | −$1,284 | |
| 24 | $7,458 | 5.375% | $1,195 | 75 | −$1,250 | |
| 25 | $7,486 | 6.000% | $2,703 | 13 | −$1,221 |
Includes lenders with 10+ purchase originations in San Diego 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
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 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.