Lowest closing cost mortgage lenders in Oakland County County, Michigan
In Oakland County, Michigan, homebuyers paid a median of $4,422 in closing costs in 2024 — near the Michigan median of $4,438. The county saw 12,347 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, PREMIA MORTGAGE, LLC offered the lowest median costs at $28, which is $4,219 less than the county median.
Homebuyers in Oakland County County who chose PREMIA MORTGAGE, LLC paid $4,394 less in closing costs than the county median.
County Median Costs
$4,422
−0.4% vs Michigan ($4,438)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,634
Purchase Originations
12,347
vs Michigan Median
0.4% below
$-16
vs National Median
34.4% below
$-2,319
Lender rankings in Oakland County County
97 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $28 | 6.625% | $0 | 22 | −$4,219 | |
| 2 | $2,108 | 6.500% | $0 | 226 | −$2,139 | |
| 3 | $2,607 | 6.625% | $0 | 24 | −$1,640 | |
| 4 | $2,714 | 6.000% | $783 | 132 | −$1,533 | |
| 5 | $2,714 | 6.312% | $280 | 18 | −$1,533 | |
| 6 | $2,839 | 5.625% | $606 | 237 | −$1,408 | |
| 7 | $3,016 | 6.500% | $695 | 26 | −$1,231 | |
| 8 | $3,016 | 6.500% | $750 | 13 | −$1,230 | |
| 9 | $3,055 | 6.875% | $781 | 15 | −$1,192 | |
| 10 | $3,126 | 6.000% | $1,000 | 11 | −$1,121 | |
| 11 | $3,205 | 6.990% | $612 | 11 | −$1,042 | |
| 12 | $3,208 | 6.625% | $1,140 | 327 | −$1,039 | |
| 13 | $3,302 | 6.375% | $250 | 11 | −$945 | |
| 14 | $3,357 | 6.375% | $850 | 200 | −$890 | |
| 15 | $3,378 | 5.625% | $450 | 10 | −$869 | |
| 16 | $3,387 | 6.500% | $61 | 16 | −$860 | |
| 17 | $3,429 | 5.750% | $630 | 11 | −$818 | |
| 18 | $3,461 | 6.625% | $950 | 146 | −$786 | |
| 19 | $3,499 | 6.875% | $845 | 40 | −$748 | |
| 20 | $3,530 | 6.500% | $995 | 124 | −$717 | |
| 21 | $3,563 | 6.562% | $995 | 28 | −$684 | |
| 22 | $3,612 | 6.750% | $1,125 | 74 | −$635 | |
| 23 | $3,619 | 6.625% | $1,100 | 73 | −$628 | |
| 24 | $3,626 | 6.812% | $1,350 | 16 | −$621 | |
| 25 | $3,665 | 6.875% | $1,269 | 14 | −$582 | |
| 26 | $3,682 | 6.025% | $815 | 23 | −$565 | |
| 27 | $3,689 | 6.875% | $1,195 | 163 | −$558 | |
| 28 | $3,740 | 6.875% | $1,195 | 110 | −$507 | |
| 29 | $3,807 | 6.625% | $1,692 | 1,433 | −$440 | |
| 30 | $3,841 | 6.625% | $1,295 | 71 | −$406 | |
| 31 | $3,855 | 6.750% | $1,295 | 25 | −$392 | |
| 32 | $3,904 | 6.875% | $1,572 | 326 | −$344 | |
| 33 | $3,912 | 6.500% | $982 | 227 | −$335 | |
| 34 | $3,925 | 6.625% | $1,200 | 334 | −$322 | |
| 35 | $3,934 | 6.750% | $1,295 | 62 | −$313 | |
| 36 | $3,953 | 6.375% | $1,349 | 61 | −$294 | |
| 37 | $3,960 | 6.625% | $1,299 | 428 | −$287 | |
| 38 | $3,983 | 6.500% | $900 | 16 | −$264 | |
| 39 | $3,985 | 6.125% | $1,200 | 69 | −$262 | |
| 40 | $3,998 | 6.625% | $1,395 | 13 | −$249 | |
| 41 | $4,142 | 6.500% | $1,745 | 30 | −$104 | |
| 42 | $4,159 | 6.490% | $1,289 | 545 | −$88 | |
| 43 | $4,173 | 6.875% | $2,369 | 17 | −$74 | |
| 44 | $4,201 | 6.990% | $1,852 | 51 | −$46 | |
| 45 | $4,226 | 6.990% | $1,842 | 228 | −$21 | |
| 46 | $4,295 | 8.125% | $1,495 | 39 | +$48 | |
| 47 | $4,310 | 6.750% | $1,721 | 92 | +$63 | |
| 48 | $4,368 | 6.990% | $1,837 | 15 | +$121 | |
| 49 | $4,371 | 7.000% | $1,947 | 31 | +$124 | |
| 50 | $4,376 | 9.695% | $1,191 | 64 | +$129 | |
| 51 | $4,435 | 6.875% | $1,835 | 120 | +$188 | |
| 52 | $4,441 | 6.750% | $1,353 | 130 | +$194 | |
| 53 | $4,459 | 6.000% | $2,204 | 25 | +$212 | |
| 54 | $4,474 | 6.125% | $1,345 | 40 | +$227 | |
| 55 | $4,478 | 6.990% | $1,883 | 69 | +$231 | |
| 56 | $4,548 | 7.125% | $2,135 | 32 | +$300 | |
| 57 | $4,552 | 6.990% | $2,179 | 101 | +$305 | |
| 58 | $4,572 | 6.990% | $1,986 | 10 | +$325 | |
| 59 | $4,598 | 6.875% | $2,435 | 15 | +$350 | |
| 60 | $4,616 | 7.058% | $1,770 | 32 | +$369 | |
| 61 | $4,641 | 6.500% | $1,918 | 14 | +$394 | |
| 62 | $4,666 | 6.990% | $1,325 | 12 | +$419 | |
| 63 | $4,759 | 6.990% | $2,496 | 95 | +$512 | |
| 64 | $4,828 | 6.875% | $2,279 | 11 | +$581 | |
| 65 | $4,834 | 6.875% | $2,798 | 24 | +$587 | |
| 66 | $4,882 | 6.800% | $2,290 | 79 | +$635 | |
| 67 | $4,988 | 6.875% | $2,504 | 20 | +$741 | |
| 68 | $5,057 | 6.990% | $2,436 | 171 | +$810 | |
| 69 | $5,074 | 6.990% | $3,090 | 62 | +$827 | |
| 70 | $5,085 | 7.000% | $2,738 | 15 | +$838 | |
| 71 | $5,094 | 7.125% | $2,258 | 14 | +$847 | |
| 72 | $5,127 | 6.990% | $2,667 | 25 | +$880 | |
| 73 | $5,281 | 6.875% | $2,689 | 86 | +$1,034 | |
| 74 | $5,313 | 6.625% | $3,010 | 16 | +$1,066 | |
| 75 | $5,357 | 6.875% | $3,230 | 51 | +$1,110 | |
| 76 | $5,369 | 6.896% | $2,722 | 2,140 | +$1,122 | |
| 77 | $5,405 | 6.990% | $2,572 | 19 | +$1,158 | |
| 78 | $5,407 | 6.625% | $3,072 | 26 | +$1,160 | |
| 79 | $5,422 | 6.990% | $2,995 | 89 | +$1,175 | |
| 80 | $5,426 | 7.000% | $2,744 | 18 | +$1,179 | |
| 81 | $5,438 | 6.990% | $2,766 | 96 | +$1,191 | |
| 82 | $5,500 | 6.875% | $1,190 | 73 | +$1,254 | |
| 83 | $5,989 | 6.624% | $3,264 | 31 | +$1,742 | |
| 84 | $6,021 | 6.990% | $3,075 | 19 | +$1,774 | |
| 85 | $6,053 | 6.500% | $3,434 | 19 | +$1,806 | |
| 86 | $6,077 | 6.875% | $4,257 | 11 | +$1,830 | |
| 87 | $6,354 | 6.990% | $3,309 | 49 | +$2,107 | |
| 88 | $6,359 | 7.000% | $3,947 | 320 | +$2,112 | |
| 89 | $6,380 | 6.750% | $4,690 | 21 | +$2,133 | |
| 90 | $6,400 | 7.125% | $3,833 | 15 | +$2,153 | |
| 91 | $6,446 | 7.062% | $3,436 | 16 | +$2,199 | |
| 92 | $8,822 | 6.495% | $4,687 | 18 | +$4,575 | |
| 93 | $9,869 | 6.870% | $6,548 | 21 | +$5,622 | |
| 94 | $11,654 | 6.990% | $2,274 | 35 | +$7,407 |
Includes lenders with 10+ purchase originations in Oakland 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.