What are the average closing costs in Carlton County County?

In Carlton County County, the median total loan costs on purchase mortgages were $5,427 in 2024, based on 315 originations.

Which lender has the lowest closing costs in Carlton County County?

Among lenders with 10+ originations in Carlton County County, U.S. Bank National Association had the lowest median total closing costs at $3,554 in 2024.

How do closing costs in Carlton County County compare to Minnesota?

Carlton County County closing costs (median $5,427) are 5.2% below the Minnesota state median of $5,722.

Lowest closing cost mortgage lenders in Carlton County County, Minnesota

In Carlton County, Minnesota, homebuyers paid a median of $5,427 in closing costs in 2024 — below the Minnesota median of $5,722. The county saw 315 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, U.S. Bank National Association offered the lowest median costs at $3,554, which is $1,609 less than the county median.

Homebuyers in Carlton County County who chose U.S. Bank National Association paid $1,873 less in closing costs than the county median.

County Median Costs

$5,427

−5.2% vs Minnesota ($5,722)

Median Rate

6.750%

+2.0% vs national (6.620%)

Median Origination

$2,670

Purchase Originations

315

vs Minnesota Median

5.2% below

$-295

vs National Median

19.5% below

$-1,314

Lender rankings in Carlton County County

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

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	U.S. Bank National Association	$3,554	6.990%	$1,645	13	−$1,609
2	Servion, Inc.	$4,278	7.000%	$2,133	19	−$885
3	MEMBERS COOPERATIVE	$4,425	6.812%	$2,214	20	−$738
4	Frandsen Bank & Trust	$4,793	6.625%	$2,416	21	−$370
5	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	$5,933	7.000%	$3,382	14	+$770
6	North Shore Bank of Commerce	$6,448	6.750%	$3,950	42	+$1,285

Includes lenders with 10+ purchase originations in Carlton County County. Source: HMDA 2024. 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 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.