Lowest closing cost mortgage lenders in Midland County County, Michigan
In Midland County, Michigan, homebuyers paid a median of $4,131 in closing costs in 2024 — below the Michigan median of $4,438. The county saw 770 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, Frankenmuth Credit Union offered the lowest median costs at $534, which is $3,246 less than the county median.
Homebuyers in Midland County County who chose Frankenmuth Credit Union paid $3,597 less in closing costs than the county median.
County Median Costs
$4,131
−6.9% vs Michigan ($4,438)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,592
Purchase Originations
770
vs Michigan Median
6.9% below
$-307
vs National Median
38.7% below
$-2,610
Lender rankings in Midland County County
13 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $534 | 7.250% | $125 | 17 | −$3,246 | |
| 2 | $2,550 | 7.000% | $175 | 75 | −$1,230 | |
| 3 | $2,734 | 6.625% | $670 | 15 | −$1,046 | |
| 4 | $3,273 | 6.000% | $850 | 30 | −$507 | |
| 5 | $3,402 | 6.875% | $1,171 | 36 | −$378 | |
| 6 | $3,573 | 6.875% | $1,225 | 16 | −$207 | |
| 7 | $4,265 | 6.625% | $2,441 | 47 | +$485 | |
| 8 | $4,329 | 6.625% | $2,479 | 55 | +$549 | |
| 9 | $4,348 | 7.125% | $2,434 | 15 | +$568 | |
| 10 | $4,364 | 6.994% | $1,821 | 64 | +$584 | |
| 11 | $4,620 | 7.058% | $2,583 | 14 | +$840 | |
| 12 | $4,667 | 6.875% | $2,992 | 41 | +$887 |
Includes lenders with 10+ purchase originations in Midland 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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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 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.