Lowest closing cost mortgage lenders in Otsego County County, Michigan
In Otsego County, Michigan, homebuyers paid a median of $4,127 in closing costs in 2024 — below the Michigan median of $4,438. The county saw 204 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, ORSA credit union offered the lowest median costs at $2,807, which is $768 less than the county median.
Homebuyers in Otsego County County who chose ORSA credit union paid $1,320 less in closing costs than the county median.
County Median Costs
$4,127
−7.0% vs Michigan ($4,438)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,485
Purchase Originations
204
vs Michigan Median
7.0% below
$-311
vs National Median
38.8% below
$-2,614
Lender rankings in Otsego County County
5 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,807 | 6.625% | $995 | 23 | −$768 | |
| 2 | $3,365 | 6.875% | $1,154 | 18 | −$210 | |
| 3 | $5,914 | 6.625% | $3,805 | 10 | +$2,339 | |
| 4 | $6,108 | 6.999% | $3,922 | 14 | +$2,533 |
Includes lenders with 10+ purchase originations in Otsego 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.