Homebuyers in Saginaw County County who chose TEAM ONE CREDIT UNION paid $4,134 less in closing costs than the county median.
County Median Costs
$4,134
−8.4% vs Michigan ($4,514)
Median Rate
6.620%
+2.0% vs national (6.490%)
Median Origination
$1,499
Purchase Originations
1,460
Denial Rate
9.5%
vs Michigan avg (12.0%)
vs Michigan Median
8.4% below
$-380
vs National Median
38.1% below
$-2,546
27 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.500% | $0 | 14 | −$3,697 | |
| 2 | $2,388 | 6.750% | $550 | 13 | −$1,309 | |
| 3 | $2,689 | 6.562% | $768 | 18 | −$1,008 | |
| 4 | $2,779 | 6.625% | $200 | 21 | −$918 | |
| 5 | $3,064 | 6.500% | $1,195 | 20 | −$633 | |
| 6 | $3,093 | 6.750% | $645 | 27 | −$604 | |
| 7 | $3,192 | 6.308% | $961 | 54 | −$505 | |
| 8 | $3,196 | 6.000% | $1,275 | 21 | −$501 | |
| 9 | $3,325 | 6.750% | $920 | 132 | −$372 | |
| 10 | $3,355 | 5.688% | $1,100 | 26 | −$342 | |
| 11 | $3,440 | 5.990% | $1,350 | 34 | −$257 | |
| 12 | $3,577 | 6.875% | $1,295 | 11 | −$120 | |
| 13 | $3,608 | 6.500% | $1,654 | 13 | −$90 | |
| 14 | $3,611 | 6.688% | $1,190 | 20 | −$86 | |
| 15 | $3,614 | 6.625% | $1,395 | 32 | −$83 | |
| 16 | $3,843 | 6.625% | $1,353 | 35 | +$146 | |
| 17 | $4,077 | 6.750% | $1,590 | 17 | +$380 | |
| 18 | $4,177 | 6.490% | $2,061 | 28 | +$480 | |
| 19 | $4,270 | 6.750% | $2,569 | 63 | +$573 | |
| 20 | $4,306 | 6.750% | $1,839 | 19 | +$609 | |
| 21 | $4,334 | 6.625% | $2,509 | 16 | +$637 | |
| 22 | $4,337 | 6.625% | $2,391 | 44 | +$640 | |
| 23 | $4,502 | 6.502% | $1,958 | 69 | +$805 | |
| 24 | $4,524 | 6.750% | $2,650 | 11 | +$828 | |
| 25 | $4,758 | 6.750% | $2,678 | 15 | +$1,061 |
Includes lenders with 10+ purchase originations in Saginaw County County. Source: HMDA 2025. 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 2025, 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.