Homebuyers in St. Joseph County County who chose Sturgis Bank & Trust Company paid $1,083 less in closing costs than the county median.
County Median Costs
$4,305
−4.6% vs Michigan ($4,514)
Median Rate
6.620%
+2.0% vs national (6.490%)
Median Origination
$1,500
Purchase Originations
545
Denial Rate
8.6%
vs Michigan avg (12.0%)
vs Michigan Median
4.6% below
$-209
vs National Median
35.5% below
$-2,375
12 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,222 | 6.625% | $1,150 | 58 | −$570 | |
| 2 | $3,223 | 6.312% | $1,075 | 14 | −$569 | |
| 3 | $3,506 | 6.625% | $1,545 | 43 | −$286 | |
| 4 | $3,595 | 6.750% | $1,395 | 12 | −$197 | |
| 5 | $3,701 | 6.312% | $1,365 | 14 | −$91 | |
| 6 | $3,869 | 6.690% | $1,500 | 17 | +$77 | |
| 7 | $4,243 | 7.125% | $1,818 | 23 | +$451 | |
| 8 | $4,312 | 6.562% | $1,706 | 10 | +$520 | |
| 9 | $4,879 | 6.990% | $2,705 | 11 | +$1,087 | |
| 10 | $4,925 | 6.625% | $2,770 | 12 | +$1,133 | |
| 11 | $5,000 | 6.500% | $3,375 | 13 | +$1,208 |
Includes lenders with 10+ purchase originations in St. Joseph 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.