Lowest closing cost mortgage lenders in St. Joseph County County, Michigan
In St. Joseph County, Michigan, homebuyers paid a median of $4,228 in closing costs in 2024 — below the Michigan median of $4,438. The county saw 514 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, LAKE MICHIGAN CREDIT UNION offered the lowest median costs at $3,065, which is $497 less than the county median.
Homebuyers in St. Joseph County County who chose LAKE MICHIGAN CREDIT UNION paid $1,163 less in closing costs than the county median.
County Median Costs
$4,228
−4.7% vs Michigan ($4,438)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,580
Purchase Originations
514
vs Michigan Median
4.7% below
$-210
vs National Median
37.3% below
$-2,513
Lender rankings in St. Joseph County County
12 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,065 | 6.500% | $917 | 12 | −$497 | |
| 2 | $3,068 | 6.688% | $1,150 | 34 | −$494 | |
| 3 | $3,092 | 6.812% | $1,075 | 16 | −$470 | |
| 4 | $3,224 | 6.625% | $1,280 | 13 | −$338 | |
| 5 | $3,296 | 6.625% | $1,475 | 41 | −$266 | |
| 6 | $3,575 | 7.000% | $1,389 | 19 | +$13 | |
| 7 | $3,978 | 6.875% | $1,595 | 10 | +$416 | |
| 8 | $4,560 | 6.933% | $2,588 | 12 | +$998 | |
| 9 | $5,000 | 6.750% | $3,350 | 21 | +$1,438 | |
| 10 | $5,223 | 6.933% | $2,898 | 10 | +$1,661 |
Includes lenders with 10+ purchase originations in St. Joseph 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.