What are the average closing costs in St. Louis County County?

In St. Louis County County, the median total loan costs on purchase mortgages were $5,207 in 2024, based on 1,519 originations.

Which lender has the lowest closing costs in St. Louis County County?

Among lenders with 10+ originations in St. Louis County County, North Shore Federal Credit Union had the lowest median total closing costs at $3,710 in 2024.

How do closing costs in St. Louis County County compare to Minnesota?

St. Louis County County closing costs (median $5,207) are 9.0% below the Minnesota state median of $5,722.

Lowest closing cost mortgage lenders in St. Louis County County, Minnesota

In St. Louis County, Minnesota, homebuyers paid a median of $5,207 in closing costs in 2024 — below the Minnesota median of $5,722. The county saw 1,519 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, North Shore Federal Credit Union offered the lowest median costs at $3,710, which is $1,230 less than the county median.

Homebuyers in St. Louis County County who chose North Shore Federal Credit Union paid $1,497 less in closing costs than the county median.

County Median Costs

$5,207

−9.0% vs Minnesota ($5,722)

Median Rate

6.750%

+2.0% vs national (6.620%)

Median Origination

$2,564

Purchase Originations

1,519

vs Minnesota Median

9.0% below

$-515

vs National Median

22.8% below

$-1,534

Lender rankings in St. Louis County County

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

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	North Shore Federal Credit Union	$3,710	6.812%	$949	14	−$1,230
2	U.S. Bank National Association	$3,779	6.750%	$1,395	62	−$1,162
3	Summit Mortgage Corporation	$3,885	6.500%	$1,903	18	−$1,056
4	Bell Bank	$3,966	6.875%	$1,606	66	−$975
5	ROCKET MORTGAGE, LLC	$4,114	6.990%	$1,653	21	−$827
6	Prosperity Home Mortgage, LLC	$4,181	7.000%	$1,686	13	−$760
7	NEW AMERICAN FUNDING, LLC	$4,251	7.062%	$1,481	22	−$690
8	Wells Fargo Bank, National Association	$4,252	6.500%	$1,851	23	−$689
9	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	$4,261	7.000%	$2,000	79	−$680
10	Servion, Inc.	$4,388	6.625%	$2,184	50	−$554
11	Granite Bank	$4,394	6.688%	$1,848	10	−$547
12	UNION HOME MORTGAGE CORP.	$4,442	6.625%	$2,280	11	−$499
13	Superior Choice Credit Union	$4,599	6.000%	$2,380	10	−$342
14	AFFINITY PLUS	$4,813	6.625%	$2,562	21	−$128
15	National Bank of Commerce	$4,882	6.625%	$2,368	41	−$59
16	CROSSCOUNTRY MORTGAGE, LLC	$4,957	6.625%	$2,808	21	+$16
17	Park State Bank	$4,963	6.490%	$2,395	38	+$22
18	Frandsen Bank & Trust	$5,136	6.500%	$2,676	54	+$195
19	MEMBERS COOPERATIVE	$5,219	6.750%	$2,773	34	+$278
20	GUARANTEED RATE AFFINITY, LLC	$5,232	6.625%	$3,289	19	+$291
21	EVERETT FINANCIAL, INC.	$5,599	6.875%	$3,186	19	+$658
22	REGENT FINANCIAL GROUP, INC.	$5,724	6.624%	$3,345	52	+$783
23	UNITED WHOLESALE MORTGAGE, LLC	$5,833	6.998%	$2,859	28	+$892
24	North Shore Bank of Commerce	$5,971	6.750%	$3,579	292	+$1,030
25	Nations Lending Corporation	$6,895	7.058%	$4,063	10	+$1,954

Includes lenders with 10+ purchase originations in St. Louis 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

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.

Audit my Closing Disclosure Check my Loan Estimate

Getting a quote from one of these lenders? Upload your Loan Estimate to verify their fees → Fair Loan Check

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.