What are the average closing costs in Gratiot County County?

In Gratiot County County, the median total loan costs on purchase mortgages were $4,430 in 2024, based on 302 originations.

Which lender has the lowest closing costs in Gratiot County County?

Among lenders with 10+ originations in Gratiot County County, Isabella Bank had the lowest median total closing costs at $2,739 in 2024.

How do closing costs in Gratiot County County compare to Michigan?

Gratiot County County closing costs (median $4,430) are 0.2% below the Michigan state median of $4,438.

Lowest closing cost mortgage lenders in Gratiot County County, Michigan

In Gratiot County, Michigan, homebuyers paid a median of $4,430 in closing costs in 2024 — near the Michigan median of $4,438. The county saw 302 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Isabella Bank offered the lowest median costs at $2,739, which is $842 less than the county median.

Homebuyers in Gratiot County County who chose Isabella Bank paid $1,691 less in closing costs than the county median.

County Median Costs

$4,430

−0.2% vs Michigan ($4,438)

Median Rate

6.620%

+0.0% vs national (6.620%)

Median Origination

$1,995

Purchase Originations

302

vs Michigan Median

0.2% below

$-8

vs National Median

34.3% below

$-2,311

Lender rankings in Gratiot County County

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

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	Isabella Bank	$2,739	6.188%	$850	20	−$842
2	Mercantile Bank	$3,058	6.875%	$1,190	29	−$523
3	The Dart Bank	$3,268	6.625%	$1,288	10	−$313
4	UNITED WHOLESALE MORTGAGE, LLC	$3,805	7.061%	$1,552	14	+$224
5	ROCKET MORTGAGE, LLC	$4,748	6.875%	$2,711	13	+$1,166
6	CROSSCOUNTRY MORTGAGE, LLC	$4,753	6.875%	$2,857	13	+$1,172

Includes lenders with 10+ purchase originations in Gratiot County County. Source: HMDA 2024. 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 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.