Homebuyers in Emmet County County who chose ORSA credit union paid $1,709 less in closing costs than the county median.
County Median Costs
$4,079
−9.6% vs Michigan ($4,514)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,198
Purchase Originations
234
Denial Rate
7.0%
vs Michigan avg (12.0%)
vs Michigan Median
9.6% below
$-435
vs National Median
38.9% below
$-2,601
6 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,370 | 5.000% | $535 | 20 | −$1,537 | |
| 2 | $3,467 | 6.250% | $1,141 | 10 | −$440 | |
| 3 | $3,657 | 6.750% | $1,190 | 66 | −$250 | |
| 4 | $3,906 | 6.746% | $1,195 | 12 | −$1 | |
| 5 | $4,679 | 6.000% | $1,265 | 13 | +$772 | |
| 6 | $4,798 | 6.750% | $2,327 | 12 | +$891 |
Includes lenders with 10+ purchase originations in Emmet 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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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.