Lowest closing cost mortgage lenders in Santa Cruz County County, California
In Santa Cruz County, California, homebuyers paid a median of $7,375 in closing costs in 2024 — below the California median of $9,450. The county saw 873 purchase mortgages at a median rate of 6.70%. Among lenders with 10+ originations, STAR ONE Credit Union offered the lowest median costs at $4,282, which is $2,602 less than the county median.
Homebuyers in Santa Cruz County County who chose STAR ONE Credit Union paid $3,093 less in closing costs than the county median.
County Median Costs
$7,375
−22.0% vs California ($9,450)
Median Rate
6.700%
+1.2% vs national (6.620%)
Median Origination
$2,510
Purchase Originations
873
vs California Median
22.0% below
$-2,075
vs National Median
9.4% above
$634
Lender rankings in Santa Cruz County County
16 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,282 | 6.125% | $0 | 12 | −$2,602 | |
| 2 | $5,372 | 6.625% | $1,295 | 35 | −$1,511 | |
| 3 | $5,379 | 6.000% | $815 | 15 | −$1,504 | |
| 4 | $5,658 | 6.625% | $1,782 | 21 | −$1,225 | |
| 5 | $6,430 | 6.312% | $1,190 | 10 | −$453 | |
| 6 | $6,495 | 6.750% | $3,073 | 72 | −$388 | |
| 7 | $6,752 | 6.562% | $1,250 | 10 | −$131 | |
| 8 | $6,874 | 6.950% | $2,550 | 162 | −$9 | |
| 9 | $6,903 | 6.375% | $2,407 | 25 | +$20 | |
| 10 | $7,048 | 6.062% | $1,665 | 10 | +$165 | |
| 11 | $8,405 | 6.588% | $5,146 | 16 | +$1,522 | |
| 12 | $8,575 | 6.861% | $4,604 | 52 | +$1,692 | |
| 13 | $9,005 | 6.990% | $5,078 | 43 | +$2,122 | |
| 14 | $9,134 | 6.763% | $5,220 | 12 | +$2,251 | |
| 15 | $11,392 | 6.990% | $7,092 | 22 | +$4,509 | |
| 16 | $13,639 | 6.990% | $9,643 | 20 | +$6,756 |
Includes lenders with 10+ purchase originations in Santa Cruz 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.