Homebuyers in Carlton County County who chose Bell Bank paid $1,990 less in closing costs than the county median.
County Median Costs
$5,678
+2.1% vs Minnesota ($5,563)
Median Rate
6.580%
+1.4% vs national (6.490%)
Median Origination
$2,552
Purchase Originations
334
Denial Rate
7.0%
vs Minnesota avg (5.7%)
vs Minnesota Median
2.1% above
$115
vs National Median
15.0% below
$-1,002
8 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,688 | 6.620% | $1,180 | 10 | −$1,569 | |
| 2 | $4,432 | 6.375% | $2,027 | 13 | −$825 | |
| 3 | $4,525 | 6.625% | $2,430 | 10 | −$732 | |
| 4 | $5,144 | 6.500% | $2,695 | 27 | −$113 | |
| 5 | $5,274 | 6.375% | $2,785 | 11 | +$17 | |
| 6 | $5,765 | 6.562% | $3,282 | 34 | +$508 | |
| 7 | $6,326 | 6.375% | $3,660 | 20 | +$1,069 |
Includes lenders with 10+ purchase originations in Carlton County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Minnesota → 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.