THE GOLDEN 1 closing costs and rates (2024)
In 2024, THE GOLDEN 1 originated 740 purchase mortgages at a median interest rate of 6.38% and median total closing costs of $5,434. That ranks #486 nationally by origination volume. For total closing costs among lenders with 500+ originations, THE GOLDEN 1 ranks #242. That is $1,307 below the national median of $6,741. THE GOLDEN 1 is most active in California with 740 originations there.
Purchase Originations
740
Ranked #486 nationally
Median Total Costs
$5,434
−19.4% vs national ($6,741)
Median Rate
6.375%
−3.7% vs national (6.620%)
Median Origination
$995
Median Lender Credits
$1,800
Cost Rank (500+ vol.)
#242
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 691 | 6.375% | $5,267 | $995 |
| fha | 49 | 6.125% | $13,243 | $2,866 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 740 | 6.375% | $5,434 | #53 |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,821 | 6.750% | — | 8 | −$1,613 | |
| 2 | $3,955 | 6.562% | — | 22 | −$1,479 | |
| 3 | $4,150 | 6.500% | — | 11 | −$1,284 | |
| 4 | $4,304 | 6.250% | — | 119 | −$1,130 | |
| 5 | $4,383 | 6.562% | — | 16 | −$1,051 | |
| 6 | $4,510 | 6.500% | — | 140 | −$924 | |
| 7 | $4,578 | 6.688% | — | 12 | −$856 | |
| 8 | $4,707 | 6.500% | — | 32 | −$727 | |
| 9 | $4,846 | 6.250% | — | 29 | −$588 | |
| 10 | $5,421 | 6.125% | — | 16 | −$13 | |
| 11 | $6,131 | 6.250% | — | 97 | +$697 | |
| 12 | $6,297 | 6.125% | — | 13 | +$863 | |
| 13 | $6,349 | 5.750% | — | 17 | +$915 | |
| 14 | $6,381 | 6.375% | — | 55 | +$947 | |
| 15 | $6,454 | 6.375% | — | 12 | +$1,020 | |
| 16 | $6,871 | 6.250% | — | 20 | +$1,437 | |
| 17 | $7,378 | 6.500% | — | 8 | +$1,944 | |
| 18 | $7,655 | 6.375% | — | 15 | +$2,221 | |
| 19 | $8,311 | 6.438% | — | 14 | +$2,877 | |
| 20 | $8,844 | 6.500% | — | 8 | +$3,410 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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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.