Homebuyers in Stanislaus County County who chose MORTGAGE RESEARCH CENTER, LLC paid $8,055 less in closing costs than the county median.
County Median Costs
$11,025
+18.4% vs California ($9,309)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$3,957
Purchase Originations
3,256
Denial Rate
7.2%
vs California avg (7.1%)
vs California Median
18.4% above
$1,716
vs National Median
65.0% above
$4,345
36 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,968 | 5.500% | $0 | 36 | −$3,452 | |
| 2 | $4,675 | 6.188% | $2,063 | 20 | −$2,744 | |
| 3 | $4,804 | 6.312% | $1,977 | 14 | −$2,615 | |
| 4 | $4,878 | 6.375% | $1,601 | 12 | −$2,541 | |
| 5 | $5,207 | 6.500% | $1,640 | 17 | −$2,212 | |
| 6 | $5,481 | 6.500% | $2,428 | 63 | −$1,938 | |
| 7 | $5,603 | 6.500% | $2,318 | 13 | −$1,816 | |
| 8 | $5,661 | 6.490% | $2,604 | 22 | −$1,758 | |
| 9 | $5,856 | 6.500% | $3,407 | 139 | −$1,563 | |
| 10 | $6,096 | 4.875% | $1,925 | 51 | −$1,323 | |
| 11 | $6,223 | 6.499% | $3,081 | 24 | −$1,196 | |
| 12 | $6,233 | 6.000% | $3,246 | 10 | −$1,186 | |
| 13 | $6,294 | 6.662% | $2,532 | 22 | −$1,125 | |
| 14 | $6,511 | 6.875% | $3,482 | 17 | −$908 | |
| 15 | $6,644 | 6.750% | $4,007 | 20 | −$775 | |
| 16 | $7,470 | 6.825% | $4,724 | 121 | +$52 | |
| 17 | $7,628 | 6.750% | $4,205 | 53 | +$209 | |
| 18 | $7,696 | 6.750% | $4,862 | 73 | +$277 | |
| 19 | $7,741 | 6.562% | $4,128 | 66 | +$322 | |
| 20 | $7,771 | 6.625% | $4,749 | 63 | +$352 | |
| 21 | $7,833 | 6.812% | $4,953 | 20 | +$414 | |
| 22 | $7,888 | 6.624% | $4,720 | 307 | +$469 | |
| 23 | $7,993 | 6.625% | $4,383 | 77 | +$574 | |
| 24 | $8,639 | 6.750% | $5,976 | 44 | +$1,220 | |
| 25 | $8,805 | 6.375% | $6,175 | 28 | +$1,386 |
Includes lenders with 10+ purchase originations in Stanislaus 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
Found your lender? Make sure their quote is fair.
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.