Homebuyers in Clay County County who chose VALLEY MORTGAGE, INC. paid $2,600 less in closing costs than the county median.
County Median Costs
$5,411
−2.7% vs Minnesota ($5,563)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$2,449
Purchase Originations
652
Denial Rate
5.3%
vs Minnesota avg (5.7%)
vs Minnesota Median
2.7% below
$-152
vs National Median
19.0% below
$-1,269
16 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,811 | 6.490% | $1,615 | 33 | −$1,919 | |
| 2 | $4,058 | 6.625% | $1,658 | 15 | −$672 | |
| 3 | $4,074 | 6.375% | $815 | 19 | −$656 | |
| 4 | $4,129 | 6.375% | $1,665 | 17 | −$601 | |
| 5 | $4,164 | 6.490% | $1,904 | 83 | −$566 | |
| 6 | $4,211 | 6.625% | $2,045 | 10 | −$519 | |
| 7 | $4,304 | 6.000% | $1,596 | 13 | −$426 | |
| 8 | $4,343 | 6.000% | $2,003 | 17 | −$387 | |
| 9 | $5,037 | 6.250% | $2,694 | 21 | +$307 | |
| 10 | $5,194 | 6.375% | $2,433 | 11 | +$464 | |
| 11 | $5,272 | 6.250% | $2,787 | 72 | +$542 | |
| 12 | $5,685 | 6.457% | $3,423 | 32 | +$955 | |
| 13 | $5,859 | 6.500% | $2,994 | 11 | +$1,129 | |
| 14 | $6,834 | 6.312% | $4,164 | 12 | +$2,104 | |
| 15 | $7,189 | 6.125% | $4,358 | 12 | +$2,459 |
Includes lenders with 10+ purchase originations in Clay 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
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.