Lowest closing cost mortgage lenders in San Joaquin County County, California
In San Joaquin County, California, homebuyers paid a median of $8,513 in closing costs in 2024 — below the California median of $9,450. The county saw 6,024 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, Shea Mortgage Inc. offered the lowest median costs at $0, which is $6,787 less than the county median.
Homebuyers in San Joaquin County County who chose Shea Mortgage Inc. paid $8,513 less in closing costs than the county median.
County Median Costs
$8,513
−9.9% vs California ($9,450)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$3,265
Purchase Originations
6,024
vs California Median
9.9% below
$-937
vs National Median
26.3% above
$1,772
Lender rankings in San Joaquin County County
70 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.875% | $0 | 66 | −$6,787 | |
| 2 | $25 | 6.125% | $0 | 119 | −$6,762 | |
| 3 | $391 | 6.375% | $0 | 165 | −$6,396 | |
| 4 | $3,831 | 6.125% | $0 | 21 | −$2,956 | |
| 5 | $4,409 | 6.625% | $1,690 | 10 | −$2,378 | |
| 6 | $4,426 | 5.990% | $0 | 44 | −$2,361 | |
| 7 | $4,466 | 6.990% | $1,095 | 12 | −$2,321 | |
| 8 | $4,471 | 6.250% | $0 | 28 | −$2,316 | |
| 9 | $4,578 | 6.625% | $1,050 | 13 | −$2,209 | |
| 10 | $4,780 | 6.312% | $995 | 26 | −$2,007 | |
| 11 | $4,829 | 6.500% | $125 | 60 | −$1,958 | |
| 12 | $5,255 | 6.375% | $1,569 | 18 | −$1,532 | |
| 13 | $5,320 | 6.490% | $1,790 | 77 | −$1,467 | |
| 14 | $5,364 | 6.500% | $1,430 | 178 | −$1,423 | |
| 15 | $5,417 | 6.375% | $1,250 | 37 | −$1,370 | |
| 16 | $5,505 | 6.125% | $1,700 | 21 | −$1,282 | |
| 17 | $5,705 | 6.312% | $995 | 20 | −$1,082 | |
| 18 | $5,727 | 6.875% | $2,174 | 29 | −$1,060 | |
| 19 | $5,755 | 6.500% | $1,190 | 27 | −$1,032 | |
| 20 | $5,815 | 6.625% | $3,337 | 312 | −$972 | |
| 21 | $5,903 | 6.750% | $2,400 | 38 | −$884 | |
| 22 | $5,955 | 6.562% | $1,260 | 16 | −$832 | |
| 23 | $5,991 | 6.625% | $3,645 | 11 | −$796 | |
| 24 | $6,104 | 6.312% | $1,710 | 28 | −$683 | |
| 25 | $6,193 | 6.125% | $1,265 | 65 | −$594 | |
| 26 | $6,408 | 6.875% | $3,067 | 40 | −$379 | |
| 27 | $6,567 | 6.375% | $1,425 | 13 | −$220 | |
| 28 | $6,693 | 6.495% | $3,198 | 22 | −$94 | |
| 29 | $6,876 | 5.625% | $1,925 | 434 | +$89 | |
| 30 | $6,993 | 6.812% | $1,752 | 26 | +$206 | |
| 31 | $7,050 | 6.500% | $3,234 | 58 | +$263 | |
| 32 | $7,142 | 6.624% | $2,451 | 39 | +$355 | |
| 33 | $7,272 | 6.875% | $3,613 | 70 | +$485 | |
| 34 | $7,464 | 6.550% | $4,231 | 35 | +$677 | |
| 35 | $7,587 | 6.875% | $4,603 | 25 | +$800 | |
| 36 | $7,607 | 6.625% | $3,787 | 23 | +$820 | |
| 37 | $7,633 | 6.375% | $4,980 | 11 | +$846 | |
| 38 | $7,677 | 6.375% | $6,240 | 33 | +$890 | |
| 39 | $7,895 | 6.990% | $4,796 | 26 | +$1,108 | |
| 40 | $8,034 | 6.625% | $3,330 | 11 | +$1,247 | |
| 41 | $8,198 | 6.125% | $4,080 | 237 | +$1,411 | |
| 42 | $8,430 | 6.875% | $5,695 | 95 | +$1,642 | |
| 43 | $8,526 | 6.625% | $5,475 | 576 | +$1,739 | |
| 44 | $8,907 | 6.625% | $6,039 | 20 | +$2,120 | |
| 45 | $8,980 | 6.625% | $5,937 | 48 | +$2,193 | |
| 46 | $9,404 | 6.875% | $6,370 | 92 | +$2,617 | |
| 47 | $9,439 | 6.625% | $6,751 | 38 | +$2,652 | |
| 48 | $9,648 | 6.875% | $6,552 | 25 | +$2,861 | |
| 49 | $9,650 | 6.625% | $6,687 | 58 | +$2,863 | |
| 50 | $9,812 | 6.750% | $5,834 | 58 | +$3,025 | |
| 51 | $10,175 | 6.875% | $7,015 | 11 | +$3,388 | |
| 52 | $10,271 | 6.750% | $6,917 | 74 | +$3,484 | |
| 53 | $10,340 | 6.625% | $6,726 | 39 | +$3,553 | |
| 54 | $10,594 | 6.490% | $7,590 | 16 | +$3,807 | |
| 55 | $10,697 | 6.875% | $7,264 | 21 | +$3,910 | |
| 56 | $11,666 | 6.450% | $6,950 | 69 | +$4,879 | |
| 57 | $11,930 | 6.875% | $8,293 | 10 | +$5,143 | |
| 58 | $12,608 | 6.625% | $9,010 | 19 | +$5,822 | |
| 59 | $12,784 | 7.562% | $8,805 | 36 | +$5,997 | |
| 60 | $13,124 | 6.625% | $10,134 | 10 | +$6,337 | |
| 61 | $13,201 | 7.375% | $9,370 | 12 | +$6,414 | |
| 62 | $15,624 | 7.438% | $10,912 | 10 | +$8,837 | |
| 63 | $18,320 | 6.625% | $14,960 | 11 | +$11,532 | |
| 64 | $19,220 | 9.250% | $16,204 | 10 | +$12,433 |
Includes lenders with 10+ purchase originations in San Joaquin 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.