Homebuyers in Douglas County County who chose Bell Bank paid $1,490 less in closing costs than the county median.
County Median Costs
$5,586
+0.4% vs Minnesota ($5,563)
Median Rate
6.430%
−0.9% vs national (6.490%)
Median Origination
$2,732
Purchase Originations
309
Denial Rate
8.9%
vs Minnesota avg (5.7%)
vs Minnesota Median
0.4% above
$23
vs National Median
16.4% below
$-1,094
6 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,096 | 6.500% | $1,498 | 43 | −$1,144 | |
| 2 | $4,923 | 6.375% | $2,696 | 26 | −$317 | |
| 3 | $5,428 | 6.500% | $3,055 | 11 | +$188 | |
| 4 | $6,260 | 6.625% | $3,566 | 11 | +$1,020 | |
| 5 | $6,783 | 6.505% | $4,382 | 18 | +$1,543 | |
| 6 | $7,350 | 6.438% | $4,898 | 12 | +$2,110 |
Includes lenders with 10+ purchase originations in Douglas 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.