Homebuyers in Santa Barbara County County who chose GUARANTEED RATE, INC. paid $4,443 less in closing costs than the county median.
County Median Costs
$8,843
−5.0% vs California ($9,309)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$2,453
Purchase Originations
1,592
Denial Rate
7.6%
vs California avg (7.1%)
vs California Median
5.0% below
$-466
vs National Median
32.4% above
$2,163
29 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,477 | 6.375% | $1,290 | 15 | −$2,842 | |
| 2 | $5,105 | 6.375% | $749 | 22 | −$2,214 | |
| 3 | $5,532 | 6.490% | $1,430 | 35 | −$1,787 | |
| 4 | $5,989 | 5.750% | $815 | 17 | −$1,330 | |
| 5 | $6,086 | 6.625% | $1,695 | 29 | −$1,233 | |
| 6 | $6,271 | 5.750% | $595 | 11 | −$1,048 | |
| 7 | $6,335 | 6.688% | $1,677 | 18 | −$984 | |
| 8 | $6,345 | 5.990% | $1,545 | 35 | −$974 | |
| 9 | $6,375 | 6.875% | $2,282 | 43 | −$944 | |
| 10 | $6,418 | 6.950% | $1,990 | 44 | −$902 | |
| 11 | $6,459 | 5.938% | $1,365 | 18 | −$860 | |
| 12 | $6,634 | 5.875% | $1,190 | 17 | −$685 | |
| 13 | $6,813 | 6.662% | $1,640 | 92 | −$506 | |
| 14 | $6,956 | 6.500% | $2,445 | 51 | −$363 | |
| 15 | $7,053 | 6.575% | $2,530 | 44 | −$266 | |
| 16 | $7,055 | 6.750% | $1,640 | 77 | −$264 | |
| 17 | $7,861 | 6.561% | $3,084 | 12 | +$542 | |
| 18 | $8,005 | 5.750% | $2,515 | 28 | +$686 | |
| 19 | $8,050 | 6.625% | $3,473 | 29 | +$731 | |
| 20 | $8,388 | 6.375% | $4,377 | 10 | +$1,069 | |
| 21 | $8,802 | 6.625% | $2,320 | 38 | +$1,483 | |
| 22 | $9,005 | 6.438% | $3,592 | 34 | +$1,686 | |
| 23 | $9,168 | 6.624% | $5,261 | 130 | +$1,849 | |
| 24 | $10,834 | 6.562% | $5,921 | 22 | +$3,515 | |
| 25 | $11,601 | 6.500% | $7,845 | 21 | +$4,282 |
Includes lenders with 10+ purchase originations in Santa Barbara 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.