Lowest closing cost mortgage lenders in Montcalm County County, Michigan
In Montcalm County, Michigan, homebuyers paid a median of $4,879 in closing costs in 2024 — above the Michigan median of $4,438. The county saw 589 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, Independent Bank offered the lowest median costs at $2,133, which is $1,885 less than the county median.
Homebuyers in Montcalm County County who chose Independent Bank paid $2,746 less in closing costs than the county median.
County Median Costs
$4,879
+9.9% vs Michigan ($4,438)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$2,080
Purchase Originations
589
vs Michigan Median
9.9% above
$441
vs National Median
27.6% below
$-1,862
Lender rankings in Montcalm County County
14 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,133 | 6.500% | $541 | 20 | −$1,885 | |
| 2 | $3,228 | 6.500% | $948 | 25 | −$790 | |
| 3 | $3,257 | 6.750% | $982 | 12 | −$761 | |
| 4 | $3,280 | 6.500% | $1,190 | 12 | −$738 | |
| 5 | $3,821 | 6.812% | $2,131 | 14 | −$197 | |
| 6 | $4,254 | 6.625% | $2,125 | 28 | +$236 | |
| 7 | $4,282 | 6.933% | $2,448 | 18 | +$264 | |
| 8 | $4,333 | 6.750% | $2,496 | 22 | +$315 | |
| 9 | $4,771 | 6.900% | $3,007 | 13 | +$753 | |
| 10 | $5,240 | 6.875% | $3,159 | 17 | +$1,222 | |
| 11 | $5,351 | 6.999% | $3,005 | 23 | +$1,333 | |
| 12 | $5,457 | 6.750% | $3,333 | 11 | +$1,439 | |
| 13 | $6,019 | 6.625% | $4,413 | 11 | +$2,001 |
Includes lenders with 10+ purchase originations in Montcalm 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.