Lowest closing cost mortgage lenders in San Francisco County County, California
In San Francisco County, California, homebuyers paid a median of $7,457 in closing costs in 2024 — below the California median of $9,450. The county saw 3,139 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, East West Bank offered the lowest median costs at $5,062, which is $2,363 less than the county median.
Homebuyers in San Francisco County County who chose East West Bank paid $2,395 less in closing costs than the county median.
County Median Costs
$7,457
−21.1% vs California ($9,450)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$1,640
Purchase Originations
3,139
vs California Median
21.1% below
$-1,993
vs National Median
10.6% above
$716
Lender rankings in San Francisco County County
47 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,062 | 6.875% | $1,080 | 11 | −$2,363 | |
| 2 | $5,066 | 6.500% | $795 | 12 | −$2,358 | |
| 3 | $5,554 | 6.438% | $37 | 10 | −$1,871 | |
| 4 | $5,810 | 6.125% | $0 | 116 | −$1,615 | |
| 5 | $5,932 | 6.625% | $1,025 | 16 | −$1,493 | |
| 6 | $6,014 | 5.125% | $1,925 | 15 | −$1,411 | |
| 7 | $6,297 | 6.125% | $995 | 13 | −$1,128 | |
| 8 | $6,336 | 5.850% | $815 | 67 | −$1,089 | |
| 9 | $6,356 | 6.375% | $1,500 | 60 | −$1,069 | |
| 10 | $6,518 | 5.750% | $1,195 | 35 | −$907 | |
| 11 | $6,529 | 6.375% | $1,295 | 171 | −$896 | |
| 12 | $6,557 | 6.000% | $1,495 | 19 | −$868 | |
| 13 | $6,610 | 6.624% | $1,050 | 11 | −$814 | |
| 14 | $6,685 | 6.250% | $0 | 11 | −$740 | |
| 15 | $6,960 | 6.500% | $1,260 | 78 | −$466 | |
| 16 | $7,024 | 6.100% | $1,475 | 75 | −$401 | |
| 17 | $7,063 | 6.490% | $2,032 | 240 | −$362 | |
| 18 | $7,075 | 6.625% | $2,400 | 204 | −$350 | |
| 19 | $7,157 | 6.375% | $1,250 | 65 | −$268 | |
| 20 | $7,222 | 6.650% | $1,640 | 94 | −$202 | |
| 21 | $7,260 | 6.812% | $1,803 | 16 | −$166 | |
| 22 | $7,283 | 6.750% | $2,090 | 55 | −$142 | |
| 23 | $7,403 | 6.250% | $1,190 | 165 | −$22 | |
| 24 | $7,469 | 6.875% | $2,522 | 19 | +$44 | |
| 25 | $7,514 | 6.625% | $1,695 | 25 | +$89 | |
| 26 | $7,531 | 6.875% | $1,756 | 17 | +$106 | |
| 27 | $7,672 | 7.000% | $2,352 | 22 | +$247 | |
| 28 | $7,674 | 6.625% | $2,400 | 19 | +$249 | |
| 29 | $7,768 | 6.850% | $1,640 | 63 | +$343 | |
| 30 | $8,168 | 6.125% | $1,665 | 163 | +$743 | |
| 31 | $8,239 | 6.625% | $1,695 | 15 | +$814 | |
| 32 | $8,352 | 6.875% | $3,819 | 66 | +$927 | |
| 33 | $8,391 | 6.537% | $2,732 | 22 | +$966 | |
| 34 | $8,567 | 6.250% | $2,436 | 265 | +$1,142 | |
| 35 | $8,694 | 7.000% | $3,244 | 22 | +$1,269 | |
| 36 | $8,752 | 6.500% | $1,195 | 168 | +$1,327 | |
| 37 | $8,830 | 6.500% | $1,462 | 13 | +$1,405 | |
| 38 | $8,975 | 6.500% | $5,192 | 13 | +$1,550 | |
| 39 | $9,645 | 6.625% | $4,040 | 139 | +$2,220 | |
| 40 | $9,781 | 6.250% | $995 | 16 | +$2,356 | |
| 41 | $9,934 | 6.990% | $4,463 | 15 | +$2,509 | |
| 42 | $10,442 | 6.750% | $4,850 | 19 | +$3,017 | |
| 43 | $11,785 | 7.062% | $7,225 | 18 | +$4,360 | |
| 44 | $11,940 | 6.062% | $969 | 14 | +$4,515 | |
| 45 | $12,975 | 7.250% | $8,150 | 11 | +$5,550 | |
| 46 | $13,166 | 6.933% | $7,319 | 10 | +$5,741 | |
| 47 | $15,806 | 7.000% | $9,825 | 21 | +$8,381 |
Includes lenders with 10+ purchase originations in San Francisco 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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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 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.