What are the average closing costs in St. Clair County County?

In St. Clair County County, the median total loan costs on purchase mortgages were $4,722 in 2024, based on 1,400 originations.

Which lender has the lowest closing costs in St. Clair County County?

Among lenders with 10+ originations in St. Clair County County, Bank of America, National Association had the lowest median total closing costs at $368 in 2024.

How do closing costs in St. Clair County County compare to Michigan?

St. Clair County County closing costs (median $4,722) are 6.4% above the Michigan state median of $4,438.

Lowest closing cost mortgage lenders in St. Clair County County, Michigan

In St. Clair County, Michigan, homebuyers paid a median of $4,722 in closing costs in 2024 — above the Michigan median of $4,438. The county saw 1,400 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, Bank of America, National Association offered the lowest median costs at $368, which is $3,921 less than the county median.

Homebuyers in St. Clair County County who chose Bank of America, National Association paid $4,354 less in closing costs than the county median.

County Median Costs

$4,722

+6.4% vs Michigan ($4,438)

Median Rate

6.750%

+2.0% vs national (6.620%)

Median Origination

$2,027

Purchase Originations

1,400

vs Michigan Median

6.4% above

$284

vs National Median

29.9% below

$-2,019

Lender rankings in St. Clair County County

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

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	Bank of America, National Association	$368	6.250%	$220	12	−$3,921
2	JPMorgan Chase Bank, National Association	$2,561	6.875%	$716	22	−$1,728
3	MICHIGAN SCHOOLS AND GOVERNMENT	$2,676	5.750%	$396	36	−$1,613
4	ChoiceOne Bank	$2,918	6.875%	$695	18	−$1,371
5	Genisys Credit Union	$3,189	6.625%	$850	27	−$1,100
6	Fifth Third Bank, National Association	$3,296	6.750%	$1,295	15	−$994
7	Flagstar Bank, National Association	$3,327	6.958%	$1,365	16	−$962
8	The Huntington National Bank	$3,367	6.625%	$1,084	37	−$922
9	First State Bank	$3,515	6.625%	$1,124	22	−$774
10	MORTGAGE CENTER L.C.	$3,570	6.250%	$1,390	43	−$719
11	STAUNTON FINANCIAL, INC.	$3,822	6.875%	$1,612	23	−$466
12	ROCKET MORTGAGE, LLC	$4,392	6.688%	$2,389	84	+$103
13	MICHIGAN MUTUAL, INC.	$4,423	6.990%	$2,321	144	+$134
14	ZIPPY LOANS, LLC	$4,800	10.325%	$1,270	16	+$511
15	MORTGAGE 1 INCORPORATED	$4,893	6.990%	$2,648	62	+$604
16	LAKE MICHIGAN CREDIT UNION	$4,993	6.865%	$1,390	24	+$704
17	CROSSCOUNTRY MORTGAGE, LLC	$5,005	7.125%	$2,800	15	+$716
18	UNION HOME MORTGAGE CORP.	$5,023	7.125%	$2,769	120	+$734
19	UNITED WHOLESALE MORTGAGE, LLC	$5,091	6.998%	$2,971	108	+$802
20	ROSS MORTGAGE CORPORATION	$5,470	6.625%	$3,401	19	+$1,181
21	CALCON MUTUAL MORTGAGE LLC	$5,694	7.058%	$3,457	10	+$1,405

Includes lenders with 10+ purchase originations in St. Clair 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.