What are the average closing costs in Kent County County?

In Kent County County, the median total loan costs on purchase mortgages were $4,062 in 2024, based on 6,242 originations.

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

Among lenders with 10+ originations in Kent County County, Bank of America, National Association had the lowest median total closing costs at $1,973 in 2024.

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

Kent County County closing costs (median $4,062) are 8.5% below the Michigan state median of $4,438.

Lowest closing cost mortgage lenders in Kent County County, Michigan

In Kent County, Michigan, homebuyers paid a median of $4,062 in closing costs in 2024 — below the Michigan median of $4,438. The county saw 6,242 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Bank of America, National Association offered the lowest median costs at $1,973, which is $1,848 less than the county median.

Homebuyers in Kent County County who chose Bank of America, National Association paid $2,089 less in closing costs than the county median.

County Median Costs

$4,062

−8.5% vs Michigan ($4,438)

Median Rate

6.620%

+0.0% vs national (6.620%)

Median Origination

$1,500

Purchase Originations

6,242

vs Michigan Median

8.5% below

$-376

vs National Median

39.7% below

$-2,679

Lender rankings in Kent County County

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

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	Bank of America, National Association	$1,973	6.062%	$632	22	−$1,848
2	NAVY FEDERAL CREDIT UNION	$2,447	6.375%	$0	10	−$1,374
3	ChoiceOne Bank	$2,865	6.625%	$695	58	−$956
4	Old National Bank	$3,127	6.375%	$900	194	−$694
5	THE LOAN STORE, INC.	$3,189	6.625%	$1,137	11	−$632
6	CONSUMERS CREDIT UNION	$3,254	6.750%	$1,075	162	−$567
7	RUOFF MORTGAGE COMPANY, INC.	$3,311	6.875%	$1,300	15	−$510
8	Mercantile Bank	$3,359	6.625%	$1,190	240	−$462
9	MICHIGAN FIRST CREDIT UNION	$3,395	6.500%	$1,195	47	−$426
10	LAKE MICHIGAN CREDIT UNION	$3,396	6.500%	$1,010	1,378	−$426
11	Flagstar Bank, National Association	$3,431	6.875%	$1,349	82	−$390
12	PLAZA HOME MORTGAGE, INC.	$3,450	6.375%	$1,409	14	−$371
13	PNC Bank, National Association	$3,476	6.438%	$1,100	26	−$346
14	Horizon Bank	$3,487	6.875%	$1,275	11	−$334
15	The Huntington National Bank	$3,487	6.750%	$982	127	−$334
16	Fifth Third Bank, National Association	$3,581	6.625%	$1,295	167	−$240
17	CREDIT UNION ONE	$3,589	6.625%	$1,295	11	−$232
18	First Merchants Bank	$3,612	6.500%	$1,200	10	−$209
19	MICHIGAN STATE UNIVERSITY Federal Credit Union	$3,619	6.750%	$1,295	32	−$202
20	Barrington Bank & Trust Company, National Association	$3,645	6.250%	$1,338	14	−$176
21	ARBOR FINANCIAL CREDIT UNION	$3,722	6.688%	$1,250	12	−$99
22	UNITED FEDERAL CREDIT UNION	$3,727	6.875%	$975	24	−$94
23	JPMorgan Chase Bank, National Association	$3,861	6.625%	$1,584	96	+$40
24	Independent Bank	$3,989	6.750%	$1,353	150	+$168
25	The Dart Bank	$4,015	6.745%	$1,616	100	+$194
26	Adventure Credit Union	$4,065	5.990%	$2,097	29	+$244
27	PFN LENDING GROUP, INC.	$4,156	7.125%	$1,864	17	+$335
28	ROCKET MORTGAGE, LLC	$4,159	6.750%	$2,396	123	+$338
29	MORTGAGE 1 INCORPORATED	$4,213	6.875%	$1,926	114	+$392
30	FIRST COMMUNITY MORTGAGE, INC.	$4,255	6.875%	$2,145	116	+$434
31	CROSSCOUNTRY MORTGAGE, LLC	$4,265	6.990%	$1,819	50	+$444
32	GUARANTEED RATE, INC.	$4,296	6.875%	$1,640	26	+$474
33	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	$4,430	6.990%	$2,121	48	+$609
34	NEWREZ LLC	$4,473	6.875%	$1,783	17	+$652
35	Northpointe Bank	$4,659	6.625%	$2,497	78	+$838
36	GUILD MORTGAGE COMPANY LLC	$4,676	6.990%	$2,821	112	+$855
37	Plains Commerce Bank	$4,699	6.875%	$2,310	14	+$878
38	VAN DYK MORTGAGE CORPORATION	$4,742	6.625%	$2,398	45	+$921
39	FIRST COLONY MORTGAGE CORPORATION	$4,784	6.500%	$2,601	13	+$963
40	MICHIGAN MUTUAL, INC.	$4,848	6.990%	$2,725	17	+$1,027
41	Neighborhood Loans, Inc.	$4,858	6.875%	$2,665	481	+$1,037
42	UNION HOME MORTGAGE CORP.	$4,909	6.990%	$2,559	47	+$1,088
43	UNITED WHOLESALE MORTGAGE, LLC	$5,161	6.999%	$2,780	319	+$1,340
44	ARK-LA-TEX FINANCIAL SERVICES, LLC.	$5,231	6.990%	$3,237	78	+$1,410
45	PLUS RELOCATION MORTGAGE, LLC	$5,656	7.183%	$2,994	10	+$1,835
46	AMERICAN PACIFIC MORTGAGE CORPORATION	$5,791	6.875%	$3,463	29	+$1,970
47	NORTHERN MORTGAGE SERVICES, LLC	$6,295	6.875%	$4,168	119	+$2,474
48	T2 FINANCIAL LLC	$6,313	6.990%	$3,832	11	+$2,492
49	TOP FLITE FINANCIAL, INC.	$6,566	6.875%	$4,361	13	+$2,745
50	CHURCHILL MORTGAGE CORPORATION	$6,796	6.875%	$4,419	113	+$2,975
51	SUCCESS MORTGAGE PARTNERS, INC.	$7,216	6.875%	$5,138	64	+$3,395
52	GREENSTONE FARM CREDIT SERVICES, FLCA	$8,266	6.800%	$5,747	10	+$4,445

Includes lenders with 10+ purchase originations in Kent 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.