What are the average closing costs in St. Joseph County County?

In St. Joseph County County, the median total loan costs on purchase mortgages were $3,801 in 2024, based on 2,569 originations.

Which lender has the lowest closing costs in St. Joseph County County?

Among lenders with 10+ originations in St. Joseph County County, Centier Bank had the lowest median total closing costs at $1,329 in 2024.

How do closing costs in St. Joseph County County compare to Indiana?

St. Joseph County County closing costs (median $3,801) are 4.0% below the Indiana state median of $3,958.

Lowest closing cost mortgage lenders in St. Joseph County County, Indiana

In St. Joseph County, Indiana, homebuyers paid a median of $3,801 in closing costs in 2024 — below the Indiana median of $3,958. The county saw 2,569 purchase mortgages at a median rate of 6.88%. Among lenders with 10+ originations, Centier Bank offered the lowest median costs at $1,329, which is $1,920 less than the county median.

Homebuyers in St. Joseph County County who chose Centier Bank paid $2,472 less in closing costs than the county median.

County Median Costs

$3,801

−4.0% vs Indiana ($3,958)

Median Rate

6.880%

+3.9% vs national (6.620%)

Median Origination

$1,750

Purchase Originations

2,569

vs Indiana Median

4.0% below

$-157

vs National Median

43.6% below

$-2,940

Lender rankings in St. Joseph County County

26 lenders with 10+ originations, ranked by median total loan costs.

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	Centier Bank	$1,329	7.500%	$0	18	−$1,920
2	INOVA	$1,972	6.875%	$750	11	−$1,277
3	JPMorgan Chase Bank, National Association	$2,191	6.500%	$820	83	−$1,058
4	RUOFF MORTGAGE COMPANY, INC.	$2,652	6.875%	$1,300	207	−$597
5	EVERWISE CREDIT UNION	$2,662	6.500%	$985	108	−$587
6	Horizon Bank	$2,751	7.000%	$1,275	46	−$498
7	1st Source Bank	$2,788	6.875%	$904	143	−$461
8	UNITED FEDERAL CREDIT UNION	$2,847	6.433%	$975	48	−$402
9	PNC Bank, National Association	$2,855	6.438%	$1,489	14	−$394
10	Old National Bank	$2,940	6.625%	$900	14	−$309
11	First Federal Savings Bank	$3,076	7.000%	$1,750	87	−$173
12	Fifth Third Bank, National Association	$3,090	6.688%	$1,220	12	−$159
13	NOTRE DAME FEDERAL CREDIT UNION CORPORATION	$3,105	6.875%	$1,620	199	−$144
14	The Huntington National Bank	$3,401	6.875%	$1,642	18	+$152
15	Wells Fargo Bank, National Association	$3,520	6.375%	$2,149	13	+$271
16	GVC MORTGAGE, INC.	$3,585	7.125%	$2,194	22	+$336
17	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	$4,094	6.990%	$2,449	107	+$845
18	ROCKET MORTGAGE, LLC	$4,488	6.625%	$2,931	68	+$1,239
19	HALLMARK HOME MORTGAGE, LLC	$4,614	6.990%	$3,129	258	+$1,365
20	UNION HOME MORTGAGE CORP.	$4,640	6.625%	$3,446	24	+$1,391
21	MOVEMENT MORTGAGE, LLC	$4,882	6.625%	$3,559	11	+$1,633
22	CHURCHILL MORTGAGE CORPORATION	$5,031	6.990%	$2,761	28	+$1,782
23	UNITED WHOLESALE MORTGAGE, LLC	$5,196	6.625%	$3,821	92	+$1,947

Includes lenders with 10+ purchase originations in St. Joseph County County. Source: HMDA 2024. Sorted by median total loan costs.

View detailed closing cost breakdowns and user reviews for lenders in Indiana → 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.