Homebuyers in San Joaquin County County who chose Shea Mortgage Inc. paid $8,603 less in closing costs than the county median.
County Median Costs
$8,603
−7.6% vs California ($9,309)
Median Rate
6.250%
−3.7% vs national (6.490%)
Median Origination
$2,716
Purchase Originations
5,782
Denial Rate
6.8%
vs California avg (7.1%)
vs California Median
7.6% below
$-706
vs National Median
28.8% above
$1,923
60 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.062% | $0 | 12 | −$6,765 | |
| 2 | $401 | 5.625% | $0 | 142 | −$6,364 | |
| 3 | $3,161 | 4.999% | $0 | 81 | −$3,604 | |
| 4 | $3,244 | 5.375% | $0 | 13 | −$3,521 | |
| 5 | $4,249 | 5.875% | $0 | 13 | −$2,516 | |
| 6 | $4,294 | 5.500% | $0 | 60 | −$2,470 | |
| 7 | $4,710 | 6.625% | $126 | 70 | −$2,055 | |
| 8 | $4,761 | 6.000% | $995 | 40 | −$2,004 | |
| 9 | $4,798 | 6.375% | $1,822 | 45 | −$1,967 | |
| 10 | $5,192 | 6.438% | $1,612 | 20 | −$1,572 | |
| 11 | $5,229 | 6.438% | $1,500 | 22 | −$1,536 | |
| 12 | $5,260 | 6.375% | $2,220 | 39 | −$1,506 | |
| 13 | $5,294 | 6.875% | $1,675 | 13 | −$1,471 | |
| 14 | $5,424 | 6.125% | $1,405 | 35 | −$1,341 | |
| 15 | $5,611 | 5.875% | $1,500 | 14 | −$1,154 | |
| 16 | $5,672 | 6.375% | $2,090 | 82 | −$1,093 | |
| 17 | $5,767 | 6.490% | $2,190 | 109 | −$998 | |
| 18 | $5,804 | 6.875% | $2,429 | 13 | −$961 | |
| 19 | $5,841 | 5.875% | $1,600 | 29 | −$924 | |
| 20 | $5,884 | 6.625% | $3,153 | 242 | −$881 | |
| 21 | $6,022 | 6.625% | $1,814 | 11 | −$743 | |
| 22 | $6,143 | 6.625% | $2,463 | 19 | −$622 | |
| 23 | $6,352 | 5.375% | $2,650 | 52 | −$413 | |
| 24 | $6,402 | 6.490% | $4,362 | 31 | −$363 | |
| 25 | $6,620 | 6.625% | $3,330 | 28 | −$145 |
Includes lenders with 10+ purchase originations in San Joaquin 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.