Lowest closing cost mortgage lenders in Santa Barbara County County, California
In Santa Barbara County, California, homebuyers paid a median of $9,501 in closing costs in 2024 — near the California median of $9,450. The county saw 1,621 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, GUARANTEED RATE, INC. offered the lowest median costs at $3,756, which is $5,211 less than the county median.
Homebuyers in Santa Barbara County County who chose GUARANTEED RATE, INC. paid $5,745 less in closing costs than the county median.
County Median Costs
$9,501
+0.5% vs California ($9,450)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$3,469
Purchase Originations
1,621
vs California Median
0.5% above
$51
vs National Median
40.9% above
$2,760
Lender rankings in Santa Barbara County County
27 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,864 | 6.500% | $1,165 | 11 | −$3,148 | |
| 2 | $5,566 | 6.375% | $1,295 | 39 | −$2,446 | |
| 3 | $5,900 | 6.625% | $1,615 | 14 | −$2,112 | |
| 4 | $6,614 | 6.375% | $3,342 | 41 | −$1,398 | |
| 5 | $6,654 | 6.875% | $2,115 | 93 | −$1,358 | |
| 6 | $6,785 | 5.750% | $815 | 17 | −$1,227 | |
| 7 | $6,825 | 5.875% | $1,465 | 25 | −$1,187 | |
| 8 | $6,854 | 6.500% | $1,574 | 13 | −$1,158 | |
| 9 | $7,299 | 6.990% | $3,242 | 38 | −$713 | |
| 10 | $7,586 | 6.875% | $3,525 | 49 | −$426 | |
| 11 | $7,613 | 6.625% | $3,840 | 56 | −$399 | |
| 12 | $7,732 | 6.500% | $3,789 | 15 | −$280 | |
| 13 | $7,819 | 6.625% | $5,624 | 49 | −$193 | |
| 14 | $8,972 | 6.750% | $4,463 | 22 | +$960 | |
| 15 | $9,003 | 7.058% | $5,570 | 12 | +$991 | |
| 16 | $9,036 | 6.625% | $4,633 | 44 | +$1,024 | |
| 17 | $9,104 | 6.625% | $4,590 | 44 | +$1,092 | |
| 18 | $9,356 | 6.875% | $5,628 | 42 | +$1,344 | |
| 19 | $10,044 | 6.875% | $5,250 | 17 | +$2,032 | |
| 20 | $10,100 | 6.875% | $4,856 | 13 | +$2,088 | |
| 21 | $10,131 | 5.875% | $4,424 | 17 | +$2,119 | |
| 22 | $10,598 | 6.875% | $7,215 | 72 | +$2,586 | |
| 23 | $10,842 | 6.625% | $6,685 | 154 | +$2,830 | |
| 24 | $15,825 | 7.500% | $11,338 | 10 | +$7,813 | |
| 25 | $24,577 | 7.500% | $18,949 | 11 | +$16,565 |
Includes lenders with 10+ purchase originations in Santa Barbara 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.