Homebuyers in St. Clair County County who chose Bank of America, National Association paid $4,932 less in closing costs than the county median.
County Median Costs
$4,932
+9.3% vs Michigan ($4,514)
Median Rate
6.620%
+2.0% vs national (6.490%)
Median Origination
$2,005
Purchase Originations
1,508
Denial Rate
14.9%
vs Michigan avg (12.0%)
vs Michigan Median
9.3% above
$418
vs National Median
26.2% below
$-1,748
24 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 5.750% | $0 | 16 | −$4,419 | |
| 2 | $2,603 | 5.875% | $637 | 33 | −$1,816 | |
| 3 | $3,159 | 6.490% | $867 | 24 | −$1,260 | |
| 4 | $3,365 | 6.375% | $1,008 | 22 | −$1,054 | |
| 5 | $3,645 | 6.750% | $1,295 | 11 | −$774 | |
| 6 | $3,770 | 6.625% | $1,038 | 48 | −$649 | |
| 7 | $3,804 | 6.875% | $986 | 15 | −$615 | |
| 8 | $3,856 | 6.688% | $1,295 | 14 | −$563 | |
| 9 | $3,909 | 6.750% | $1,395 | 32 | −$510 | |
| 10 | $3,924 | 6.375% | $1,400 | 49 | −$495 | |
| 11 | $3,960 | 6.812% | $1,475 | 10 | −$459 | |
| 12 | $3,986 | 6.750% | $1,745 | 115 | −$433 | |
| 13 | $4,066 | 6.750% | $1,834 | 21 | −$352 | |
| 14 | $4,392 | 6.990% | $2,404 | 51 | −$27 | |
| 15 | $4,740 | 6.875% | $2,660 | 17 | +$320 | |
| 16 | $4,790 | 6.625% | $2,414 | 58 | +$371 | |
| 17 | $4,862 | 6.912% | $2,562 | 14 | +$443 | |
| 18 | $4,872 | 6.750% | $2,202 | 12 | +$453 | |
| 19 | $4,899 | 6.624% | $2,566 | 87 | +$480 | |
| 20 | $4,917 | 6.625% | $2,469 | 68 | +$498 | |
| 21 | $5,180 | 6.875% | $2,741 | 149 | +$761 | |
| 22 | $5,620 | 6.365% | $1,390 | 35 | +$1,201 | |
| 23 | $10,965 | 6.950% | $6,945 | 12 | +$6,546 |
Includes lenders with 10+ purchase originations in St. Clair 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.