Homebuyers in St. Louis County County who chose North Shore Federal Credit Union paid $2,314 less in closing costs than the county median.
County Median Costs
$5,260
−5.5% vs Minnesota ($5,563)
Median Rate
6.620%
+2.0% vs national (6.490%)
Median Origination
$2,413
Purchase Originations
1,635
Denial Rate
5.8%
vs Minnesota avg (5.7%)
vs Minnesota Median
5.5% below
$-303
vs National Median
21.3% below
$-1,420
25 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,946 | 6.250% | $2,103 | 38 | −$2,009 | |
| 2 | $3,824 | 6.500% | $1,145 | 69 | −$1,131 | |
| 3 | $3,998 | 6.562% | $1,480 | 20 | −$957 | |
| 4 | $4,048 | 6.625% | $1,640 | 15 | −$907 | |
| 5 | $4,109 | 6.625% | $1,506 | 63 | −$846 | |
| 6 | $4,276 | 6.750% | $1,726 | 31 | −$679 | |
| 7 | $4,296 | 6.990% | $1,688 | 28 | −$659 | |
| 8 | $4,401 | 6.875% | $1,691 | 19 | −$554 | |
| 9 | $4,679 | 6.375% | $2,170 | 24 | −$276 | |
| 10 | $4,686 | 6.875% | $2,462 | 90 | −$269 | |
| 11 | $4,831 | 6.750% | $2,270 | 13 | −$124 | |
| 12 | $4,928 | 6.562% | $2,543 | 10 | −$27 | |
| 13 | $4,953 | 6.500% | $2,338 | 46 | −$2 | |
| 14 | $4,969 | 6.490% | $2,515 | 37 | +$14 | |
| 15 | $4,989 | 6.598% | $2,525 | 64 | +$34 | |
| 16 | $5,045 | 6.625% | $2,700 | 39 | +$90 | |
| 17 | $5,055 | 6.990% | $2,286 | 12 | +$100 | |
| 18 | $5,062 | 6.750% | $2,780 | 32 | +$107 | |
| 19 | $5,164 | 6.375% | $2,968 | 11 | +$210 | |
| 20 | $5,354 | 6.875% | $2,827 | 19 | +$399 | |
| 21 | $5,475 | 6.250% | $3,016 | 35 | +$520 | |
| 22 | $5,766 | 6.500% | $3,247 | 60 | +$811 | |
| 23 | $5,951 | 6.625% | $3,501 | 253 | +$996 | |
| 24 | $7,438 | 6.625% | $4,866 | 18 | +$2,483 |
Includes lenders with 10+ purchase originations in St. Louis 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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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.