What are the average closing costs in Saginaw County County?

In Saginaw County County, the median total loan costs on purchase mortgages were $3,822 in 2024, based on 1,487 originations.

Which lender has the lowest closing costs in Saginaw County County?

Among lenders with 10+ originations in Saginaw County County, DOW CREDIT UNION had the lowest median total closing costs at $2,419 in 2024.

How do closing costs in Saginaw County County compare to Michigan?

Saginaw County County closing costs (median $3,822) are 13.9% below the Michigan state median of $4,438.

Lowest closing cost mortgage lenders in Saginaw County County, Michigan

In Saginaw County, Michigan, homebuyers paid a median of $3,822 in closing costs in 2024 — below the Michigan median of $4,438. The county saw 1,487 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, DOW CREDIT UNION offered the lowest median costs at $2,419, which is $949 less than the county median.

Homebuyers in Saginaw County County who chose DOW CREDIT UNION paid $1,403 less in closing costs than the county median.

County Median Costs

$3,822

−13.9% vs Michigan ($4,438)

Median Rate

6.620%

+0.0% vs national (6.620%)

Median Origination

$1,470

Purchase Originations

1,487

vs Michigan Median

13.9% below

$-616

vs National Median

43.3% below

$-2,919

Lender rankings in Saginaw County County

24 lenders with 10+ originations, ranked by median total loan costs.

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	DOW CREDIT UNION	$2,419	7.250%	$175	28	−$949
2	Frankenmuth Credit Union	$2,625	6.875%	$905	161	−$743
3	JPMorgan Chase Bank, National Association	$2,728	6.875%	$1,007	11	−$640
4	The State Bank	$2,731	6.375%	$845	14	−$637
5	HEALTH ADVANTAGE FEDERAL CREDIT UNION	$2,826	6.625%	$700	26	−$542
6	UNITED FINANCIAL Credit Union	$2,848	6.375%	$1,275	17	−$520
7	FINANCIAL PLUS CREDIT UNION	$2,939	6.500%	$1,045	22	−$429
8	Isabella Bank	$3,110	6.250%	$850	23	−$258
9	LAKE MICHIGAN CREDIT UNION	$3,160	6.500%	$1,168	62	−$208
10	JOLT CREDIT UNION	$3,220	6.490%	$1,350	33	−$148
11	The Huntington National Bank	$3,247	6.750%	$982	54	−$121
12	STAUNTON FINANCIAL, INC.	$3,406	6.625%	$1,671	51	+$38
13	Mercantile Bank	$3,433	6.625%	$1,421	24	+$65
14	FIRST COMMUNITY MORTGAGE, INC.	$3,632	6.990%	$1,732	25	+$264
15	Independent Bank	$3,718	6.625%	$1,353	41	+$350
16	DAS ACQUISITION COMPANY, LLC	$4,098	6.625%	$2,135	21	+$730
17	UNITED WHOLESALE MORTGAGE, LLC	$4,171	6.999%	$1,848	60	+$803
18	PRESTON HOME LOANS INC	$4,254	6.990%	$2,456	27	+$886
19	J. VIRGIL, INC.	$4,497	6.875%	$2,221	29	+$1,129
20	BLG HOLDINGS, INC.	$4,736	6.750%	$2,502	36	+$1,368
21	ROCKET MORTGAGE, LLC	$4,744	6.750%	$2,899	66	+$1,376
22	UNION HOME MORTGAGE CORP.	$4,766	7.125%	$2,614	12	+$1,398
23	MORTGAGE 1 INCORPORATED	$5,390	6.990%	$3,236	15	+$2,022

Includes lenders with 10+ purchase originations in Saginaw 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.