Homebuyers in Itasca County County who chose MORTGAGE RESEARCH CENTER, LLC paid $4,373 less in closing costs than the county median.
County Median Costs
$5,419
−2.6% vs Minnesota ($5,563)
Median Rate
6.580%
+1.4% vs national (6.490%)
Median Origination
$2,520
Purchase Originations
351
Denial Rate
7.3%
vs Minnesota avg (5.7%)
vs Minnesota Median
2.6% below
$-144
vs National Median
18.9% below
$-1,261
11 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,342 | 6.375% | $1,905 | 15 | −$864 | |
| 2 | $4,872 | 6.500% | $2,300 | 21 | −$334 | |
| 3 | $4,992 | 7.125% | $2,508 | 13 | −$214 | |
| 4 | $5,026 | 6.982% | $1,885 | 10 | −$180 | |
| 5 | $5,048 | 6.625% | $2,300 | 18 | −$158 | |
| 6 | $5,145 | 6.990% | $2,660 | 11 | −$61 | |
| 7 | $5,450 | 6.575% | $2,868 | 22 | +$244 | |
| 8 | $5,604 | 6.562% | $3,135 | 14 | +$398 | |
| 9 | $5,888 | 6.625% | $3,333 | 39 | +$682 | |
| 10 | $6,935 | 6.875% | $4,310 | 13 | +$1,729 |
Includes lenders with 10+ purchase originations in Itasca 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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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.