Homebuyers in Santa Cruz County County who chose STAR ONE Credit Union paid $2,575 less in closing costs than the county median.
County Median Costs
$7,064
−24.1% vs California ($9,309)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$2,171
Purchase Originations
982
Denial Rate
5.7%
vs California avg (7.1%)
vs California Median
24.1% below
$-2,245
vs National Median
5.8% above
$384
18 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,489 | 5.938% | $0 | 10 | −$2,117 | |
| 2 | $5,117 | 5.938% | $995 | 10 | −$1,489 | |
| 3 | $5,224 | 5.750% | $815 | 12 | −$1,382 | |
| 4 | $5,938 | 6.250% | $1,545 | 27 | −$668 | |
| 5 | $5,978 | 6.125% | $1,748 | 10 | −$628 | |
| 6 | $6,145 | 6.625% | $1,790 | 18 | −$461 | |
| 7 | $6,147 | 6.375% | $1,589 | 13 | −$459 | |
| 8 | $6,159 | 6.500% | $2,978 | 11 | −$447 | |
| 9 | $6,185 | 6.625% | $2,050 | 95 | −$421 | |
| 10 | $6,292 | 6.650% | $1,690 | 177 | −$314 | |
| 11 | $6,418 | 6.125% | $1,782 | 21 | −$188 | |
| 12 | $6,486 | 6.625% | $1,640 | 16 | −$120 | |
| 13 | $6,706 | 6.500% | $1,620 | 27 | +$100 | |
| 14 | $6,912 | 6.875% | $3,964 | 10 | +$306 | |
| 15 | $8,208 | 6.583% | $3,670 | 56 | +$1,602 | |
| 16 | $8,910 | 6.625% | $5,220 | 24 | +$2,304 | |
| 17 | $9,023 | 6.624% | $4,733 | 46 | +$2,417 | |
| 18 | $11,998 | 6.625% | $7,720 | 41 | +$5,392 |
Includes lenders with 10+ purchase originations in Santa Cruz 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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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.