Lowest closing cost mortgage lenders in San Mateo County County, California
In San Mateo County, California, homebuyers paid a median of $7,767 in closing costs in 2024 — below the California median of $9,450. The county saw 3,435 purchase mortgages at a median rate of 6.38%. Among lenders with 10+ originations, San Mateo Credit Union offered the lowest median costs at $5,111, which is $2,610 less than the county median.
Homebuyers in San Mateo County County who chose San Mateo Credit Union paid $2,656 less in closing costs than the county median.
County Median Costs
$7,767
−17.8% vs California ($9,450)
Median Rate
6.380%
−3.6% vs national (6.620%)
Median Origination
$1,640
Purchase Originations
3,435
vs California Median
17.8% below
$-1,683
vs National Median
15.2% above
$1,026
Lender rankings in San Mateo County County
44 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,111 | 6.375% | $37 | 21 | −$2,610 | |
| 2 | $5,299 | 6.125% | $0 | 19 | −$2,422 | |
| 3 | $5,474 | 6.875% | $1,380 | 15 | −$2,247 | |
| 4 | $5,964 | 6.500% | $795 | 46 | −$1,758 | |
| 5 | $6,234 | 5.562% | $1,495 | 10 | −$1,487 | |
| 6 | $6,349 | 5.750% | $995 | 17 | −$1,372 | |
| 7 | $6,360 | 6.625% | $1,504 | 26 | −$1,361 | |
| 8 | $6,649 | 6.365% | $1,213 | 209 | −$1,072 | |
| 9 | $6,710 | 6.625% | $2,410 | 194 | −$1,011 | |
| 10 | $6,748 | 5.900% | $815 | 60 | −$973 | |
| 11 | $6,905 | 6.625% | $1,595 | 19 | −$816 | |
| 12 | $6,914 | 6.875% | $1,615 | 11 | −$807 | |
| 13 | $6,922 | 6.625% | $1,811 | 25 | −$799 | |
| 14 | $6,932 | 6.624% | $1,050 | 25 | −$789 | |
| 15 | $6,979 | 6.375% | $1,295 | 155 | −$742 | |
| 16 | $6,996 | 6.750% | $1,790 | 59 | −$725 | |
| 17 | $7,074 | 6.990% | $1,095 | 13 | −$647 | |
| 18 | $7,230 | 6.625% | $1,640 | 82 | −$492 | |
| 19 | $7,232 | 6.875% | $2,551 | 19 | −$489 | |
| 20 | $7,361 | 6.875% | $1,952 | 32 | −$360 | |
| 21 | $7,362 | 5.600% | $1,195 | 37 | −$358 | |
| 22 | $7,368 | 6.750% | $1,695 | 38 | −$353 | |
| 23 | $7,373 | 6.319% | $1,395 | 17 | −$348 | |
| 24 | $7,404 | 6.250% | $1,250 | 177 | −$317 | |
| 25 | $7,514 | 6.750% | $1,704 | 22 | −$208 | |
| 26 | $7,593 | 6.750% | $1,640 | 23 | −$128 | |
| 27 | $7,606 | 5.965% | $1,475 | 181 | −$115 | |
| 28 | $7,663 | 6.375% | $1,260 | 99 | −$58 | |
| 29 | $7,778 | 6.250% | $0 | 13 | +$58 | |
| 30 | $7,804 | 6.125% | $1,190 | 176 | +$83 | |
| 31 | $7,816 | 6.990% | $1,640 | 41 | +$95 | |
| 32 | $7,982 | 6.933% | $3,117 | 12 | +$261 | |
| 33 | $8,109 | 7.125% | $2,390 | 27 | +$388 | |
| 34 | $8,275 | 6.625% | $2,105 | 15 | +$554 | |
| 35 | $8,621 | 6.750% | $2,285 | 13 | +$900 | |
| 36 | $8,657 | 6.000% | $1,465 | 262 | +$936 | |
| 37 | $8,820 | 6.250% | $995 | 15 | +$1,099 | |
| 38 | $8,931 | 6.125% | $2,431 | 376 | +$1,210 | |
| 39 | $9,028 | 6.750% | $2,674 | 43 | +$1,308 | |
| 40 | $9,599 | 6.750% | $4,162 | 229 | +$1,878 | |
| 41 | $12,290 | 6.875% | $6,542 | 23 | +$4,569 | |
| 42 | $12,390 | 6.875% | $8,438 | 20 | +$4,669 | |
| 43 | $13,413 | 6.874% | $7,606 | 23 | +$5,692 | |
| 44 | $15,630 | 6.750% | $10,495 | 15 | +$7,909 |
Includes lenders with 10+ purchase originations in San Mateo 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.