Lowest closing cost mortgage lenders in Santa Clara County County, California
In Santa Clara County, California, homebuyers paid a median of $5,186 in closing costs in 2024 — below the California median of $9,450. The county saw 9,829 purchase mortgages at a median rate of 6.38%. Among lenders with 10+ originations, PULTE MORTGAGE LLC offered the lowest median costs at $0, which is $5,152 less than the county median.
Homebuyers in Santa Clara County County who chose PULTE MORTGAGE LLC paid $5,186 less in closing costs than the county median.
County Median Costs
$5,186
−45.1% vs California ($9,450)
Median Rate
6.380%
−3.6% vs national (6.620%)
Median Origination
$1,475
Purchase Originations
9,829
vs California Median
45.1% below
$-4,264
vs National Median
23.1% below
$-1,555
Lender rankings in Santa Clara County County
85 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 5.500% | $0 | 125 | −$5,152 | |
| 2 | $968 | 6.688% | $595 | 16 | −$4,184 | |
| 3 | $3,196 | 6.562% | $250 | 12 | −$1,956 | |
| 4 | $3,307 | 6.562% | $66 | 12 | −$1,845 | |
| 5 | $3,332 | 6.125% | $0 | 142 | −$1,820 | |
| 6 | $3,408 | 6.250% | $0 | 51 | −$1,744 | |
| 7 | $3,496 | 6.375% | $500 | 455 | −$1,656 | |
| 8 | $3,729 | 6.625% | $1,050 | 616 | −$1,423 | |
| 9 | $3,838 | 6.375% | $37 | 11 | −$1,314 | |
| 10 | $3,858 | 6.500% | $795 | 83 | −$1,294 | |
| 11 | $3,920 | 5.625% | $0 | 11 | −$1,232 | |
| 12 | $4,116 | 6.500% | $1,125 | 26 | −$1,036 | |
| 13 | $4,154 | 6.875% | $1,380 | 25 | −$998 | |
| 14 | $4,214 | 6.250% | $995 | 82 | −$938 | |
| 15 | $4,282 | 5.625% | $1,125 | 61 | −$870 | |
| 16 | $4,304 | 6.250% | $995 | 119 | −$848 | |
| 17 | $4,371 | 7.125% | $1,380 | 10 | −$781 | |
| 18 | $4,397 | 6.750% | $1,495 | 17 | −$755 | |
| 19 | $4,424 | 6.625% | $1,095 | 31 | −$728 | |
| 20 | $4,467 | 7.250% | $1,588 | 10 | −$685 | |
| 21 | $4,495 | 5.950% | $815 | 103 | −$657 | |
| 22 | $4,655 | 6.625% | $1,495 | 14 | −$497 | |
| 23 | $4,693 | 6.125% | $1,190 | 554 | −$459 | |
| 24 | $4,695 | 6.433% | $1,025 | 16 | −$457 | |
| 25 | $4,698 | 6.375% | $1,295 | 668 | −$454 | |
| 26 | $4,742 | 7.125% | $1,195 | 11 | −$410 | |
| 27 | $4,779 | 6.250% | $1,795 | 11 | −$373 | |
| 28 | $4,802 | 6.875% | $1,790 | 77 | −$350 | |
| 29 | $4,815 | 6.125% | $1,425 | 17 | −$337 | |
| 30 | $4,839 | 6.750% | $1,640 | 54 | −$313 | |
| 31 | $4,898 | 5.875% | $1,465 | 900 | −$254 | |
| 32 | $4,938 | 6.425% | $1,395 | 44 | −$214 | |
| 33 | $4,949 | 6.625% | $1,050 | 117 | −$203 | |
| 34 | $4,976 | 6.750% | $1,645 | 22 | −$176 | |
| 35 | $5,017 | 6.500% | $1,695 | 10 | −$135 | |
| 36 | $5,051 | 7.000% | $1,990 | 13 | −$101 | |
| 37 | $5,059 | 6.625% | $1,790 | 29 | −$93 | |
| 38 | $5,076 | 6.562% | $1,500 | 14 | −$76 | |
| 39 | $5,087 | 6.250% | $1,250 | 584 | −$65 | |
| 40 | $5,136 | 6.500% | $1,260 | 316 | −$16 | |
| 41 | $5,158 | 5.975% | $1,475 | 741 | +$6 | |
| 42 | $5,188 | 6.875% | $2,051 | 66 | +$36 | |
| 43 | $5,258 | 6.875% | $1,872 | 45 | +$106 | |
| 44 | $5,283 | 6.875% | $1,665 | 54 | +$131 | |
| 45 | $5,299 | 7.000% | $2,145 | 85 | +$147 | |
| 46 | $5,378 | 6.875% | $1,818 | 19 | +$226 | |
| 47 | $5,499 | 5.875% | $0 | 13 | +$347 | |
| 48 | $5,630 | 6.625% | $1,075 | 29 | +$478 | |
| 49 | $5,711 | 6.688% | $1,640 | 20 | +$559 | |
| 50 | $5,962 | 6.525% | $1,640 | 77 | +$810 | |
| 51 | $6,061 | 6.990% | $1,893 | 40 | +$909 | |
| 52 | $6,141 | 6.625% | $1,972 | 88 | +$989 | |
| 53 | $6,185 | 6.990% | $2,400 | 11 | +$1,033 | |
| 54 | $6,263 | 6.875% | $2,762 | 31 | +$1,111 | |
| 55 | $6,487 | 6.875% | $3,509 | 28 | +$1,335 | |
| 56 | $6,618 | 6.000% | $2,407 | 1,226 | +$1,466 | |
| 57 | $6,665 | 6.875% | $2,506 | 125 | +$1,513 | |
| 58 | $6,769 | 6.625% | $2,371 | 11 | +$1,617 | |
| 59 | $6,804 | 6.750% | $125 | 30 | +$1,652 | |
| 60 | $6,919 | 6.625% | $1,590 | 79 | +$1,767 | |
| 61 | $6,988 | 6.812% | $3,003 | 34 | +$1,836 | |
| 62 | $7,048 | 7.062% | $3,866 | 14 | +$1,896 | |
| 63 | $7,313 | 6.625% | $3,537 | 405 | +$2,161 | |
| 64 | $7,799 | 6.625% | $1,925 | 28 | +$2,647 | |
| 65 | $7,814 | 6.995% | $3,480 | 20 | +$2,662 | |
| 66 | $8,191 | 6.933% | $3,723 | 14 | +$3,039 | |
| 67 | $8,194 | 6.875% | $5,908 | 20 | +$3,042 | |
| 68 | $8,276 | 6.875% | $4,901 | 30 | +$3,124 | |
| 69 | $8,279 | 7.375% | $2,722 | 36 | +$3,127 | |
| 70 | $10,463 | 6.625% | $7,133 | 58 | +$5,311 | |
| 71 | $10,687 | 6.625% | $7,075 | 18 | +$5,535 | |
| 72 | $11,116 | 6.875% | $8,388 | 12 | +$5,964 | |
| 73 | $11,160 | 6.500% | $6,674 | 48 | +$6,008 | |
| 74 | $11,195 | 6.500% | $7,946 | 17 | +$6,043 | |
| 75 | $12,142 | 7.312% | $9,748 | 10 | +$6,990 | |
| 76 | $12,910 | 7.500% | $10,550 | 13 | +$7,758 | |
| 77 | $13,166 | 6.375% | $9,995 | 19 | +$8,014 | |
| 78 | $14,626 | 8.058% | $11,281 | 10 | +$9,474 | |
| 79 | $15,362 | 6.990% | $11,209 | 19 | +$10,210 | |
| 80 | $16,403 | 7.499% | $13,581 | 20 | +$11,251 | |
| 81 | $16,647 | 6.400% | $10,675 | 24 | +$11,495 | |
| 82 | $20,581 | 7.625% | $15,779 | 13 | +$15,429 | |
| 83 | $22,458 | 7.500% | $18,205 | 10 | +$17,306 | |
| 84 | $23,501 | 7.625% | $19,695 | 11 | +$18,349 |
Includes lenders with 10+ purchase originations in Santa Clara 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.