Homebuyers in Bay County County who chose MEMBERS FIRST Credit Union paid $1,747 less in closing costs than the county median.
County Median Costs
$4,181
−7.4% vs Michigan ($4,514)
Median Rate
6.620%
+2.0% vs national (6.490%)
Median Origination
$1,600
Purchase Originations
885
Denial Rate
8.4%
vs Michigan avg (12.0%)
vs Michigan Median
7.4% below
$-333
vs National Median
37.4% below
$-2,499
21 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,434 | 6.875% | $550 | 10 | −$1,402 | |
| 2 | $2,572 | 6.375% | $795 | 11 | −$1,264 | |
| 3 | $2,620 | 6.750% | $995 | 34 | −$1,216 | |
| 4 | $2,753 | 6.625% | $200 | 25 | −$1,083 | |
| 5 | $2,966 | 6.625% | $1,195 | 18 | −$870 | |
| 6 | $3,036 | 6.812% | $920 | 34 | −$800 | |
| 7 | $3,504 | 6.625% | $1,395 | 28 | −$332 | |
| 8 | $3,619 | 6.188% | $1,711 | 12 | −$217 | |
| 9 | $3,741 | 6.625% | $1,353 | 20 | −$95 | |
| 10 | $3,767 | 6.375% | $1,153 | 12 | −$69 | |
| 11 | $3,916 | 5.990% | $1,350 | 24 | +$80 | |
| 12 | $3,923 | 6.625% | $1,590 | 12 | +$87 | |
| 13 | $4,048 | 6.625% | $1,846 | 23 | +$212 | |
| 14 | $4,110 | 6.750% | $1,395 | 39 | +$274 | |
| 15 | $4,128 | 6.625% | $2,040 | 15 | +$292 | |
| 16 | $4,219 | 6.990% | $1,879 | 12 | +$383 | |
| 17 | $4,222 | 6.625% | $2,211 | 85 | +$386 | |
| 18 | $4,242 | 6.625% | $2,247 | 11 | +$406 | |
| 19 | $5,420 | 6.875% | $3,400 | 30 | +$1,584 | |
| 20 | $6,119 | 6.750% | $3,729 | 17 | +$2,283 |
Includes lenders with 10+ purchase originations in Bay County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Michigan → 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.