Lowest closing cost mortgage lenders in Ottawa County County, Michigan
In Ottawa County, Michigan, homebuyers paid a median of $3,922 in closing costs in 2024 — below the Michigan median of $4,438. The county saw 2,752 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, RUOFF MORTGAGE COMPANY, INC. offered the lowest median costs at $2,891, which is $873 less than the county median.
Homebuyers in Ottawa County County who chose RUOFF MORTGAGE COMPANY, INC. paid $1,031 less in closing costs than the county median.
County Median Costs
$3,922
−11.6% vs Michigan ($4,438)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,395
Purchase Originations
2,752
vs Michigan Median
11.6% below
$-516
vs National Median
41.8% below
$-2,819
Lender rankings in Ottawa County County
35 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,891 | 6.750% | $1,558 | 10 | −$873 | |
| 2 | $2,968 | 6.875% | $695 | 24 | −$796 | |
| 3 | $3,196 | 6.875% | $1,075 | 74 | −$568 | |
| 4 | $3,254 | 7.019% | $1,295 | 18 | −$510 | |
| 5 | $3,311 | 6.625% | $1,195 | 15 | −$453 | |
| 6 | $3,372 | 6.625% | $900 | 52 | −$392 | |
| 7 | $3,377 | 6.750% | $982 | 68 | −$387 | |
| 8 | $3,391 | 6.500% | $1,010 | 779 | −$373 | |
| 9 | $3,407 | 6.125% | $1,200 | 11 | −$357 | |
| 10 | $3,413 | 6.750% | $1,126 | 10 | −$351 | |
| 11 | $3,524 | 6.625% | $1,295 | 89 | −$240 | |
| 12 | $3,527 | 6.750% | $1,190 | 105 | −$237 | |
| 13 | $3,597 | 6.625% | $1,295 | 36 | −$167 | |
| 14 | $3,598 | 6.625% | $1,340 | 60 | −$166 | |
| 15 | $3,660 | 6.750% | $1,295 | 11 | −$104 | |
| 16 | $3,758 | 6.375% | $1,744 | 12 | −$6 | |
| 17 | $3,803 | 6.875% | $1,553 | 74 | +$39 | |
| 18 | $3,814 | 6.125% | $1,415 | 14 | +$50 | |
| 19 | $3,828 | 6.875% | $1,275 | 10 | +$64 | |
| 20 | $3,860 | 6.750% | $1,353 | 52 | +$96 | |
| 21 | $3,971 | 6.875% | $1,690 | 17 | +$207 | |
| 22 | $4,121 | 6.688% | $2,105 | 30 | +$357 | |
| 23 | $4,496 | 6.688% | $3,032 | 56 | +$732 | |
| 24 | $4,511 | 6.990% | $2,360 | 12 | +$747 | |
| 25 | $4,746 | 7.124% | $3,057 | 31 | +$982 | |
| 26 | $5,115 | 6.875% | $3,040 | 18 | +$1,351 | |
| 27 | $5,269 | 7.000% | $2,977 | 21 | +$1,505 | |
| 28 | $5,286 | 6.875% | $3,329 | 26 | +$1,522 | |
| 29 | $5,707 | 6.998% | $3,505 | 144 | +$1,943 | |
| 30 | $5,971 | 6.875% | $3,638 | 137 | +$2,207 | |
| 31 | $6,526 | 6.990% | $4,252 | 21 | +$2,762 | |
| 32 | $6,634 | 6.688% | $4,130 | 18 | +$2,870 | |
| 33 | $6,686 | 6.875% | $4,287 | 68 | +$2,922 | |
| 34 | $6,929 | 6.688% | $4,812 | 82 | +$3,165 |
Includes lenders with 10+ purchase originations in Ottawa 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.