Homebuyers in Stearns County County who chose Liberty Bank Minnesota paid $2,118 less in closing costs than the county median.
County Median Costs
$5,333
−4.1% vs Minnesota ($5,563)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$2,199
Purchase Originations
1,319
Denial Rate
6.4%
vs Minnesota avg (5.7%)
vs Minnesota Median
4.1% below
$-230
vs National Median
20.2% below
$-1,347
26 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,215 | 6.625% | $1,060 | 83 | −$1,484 | |
| 2 | $3,772 | 6.625% | $1,180 | 13 | −$927 | |
| 3 | $4,217 | 6.375% | $1,500 | 125 | −$482 | |
| 4 | $4,241 | 6.625% | $2,295 | 12 | −$458 | |
| 5 | $4,249 | 6.500% | $1,694 | 11 | −$450 | |
| 6 | $4,360 | 6.625% | $1,795 | 25 | −$339 | |
| 7 | $4,439 | 6.625% | $1,302 | 24 | −$260 | |
| 8 | $4,568 | 6.625% | $2,150 | 14 | −$131 | |
| 9 | $4,670 | 6.740% | $2,589 | 13 | −$29 | |
| 10 | $4,699 | 6.375% | $2,446 | 56 | +$0 | |
| 11 | $4,781 | 6.500% | $2,097 | 18 | +$82 | |
| 12 | $4,978 | 6.500% | $2,440 | 13 | +$278 | |
| 13 | $4,978 | 6.375% | $2,828 | 40 | +$279 | |
| 14 | $5,003 | 6.500% | $3,120 | 10 | +$304 | |
| 15 | $5,010 | 6.500% | $1,697 | 29 | +$311 | |
| 16 | $5,232 | 6.750% | $2,533 | 14 | +$533 | |
| 17 | $5,235 | 6.500% | $2,414 | 25 | +$536 | |
| 18 | $5,458 | 6.500% | $3,164 | 60 | +$759 | |
| 19 | $5,912 | 6.688% | $3,485 | 26 | +$1,213 | |
| 20 | $5,968 | 6.489% | $3,133 | 38 | +$1,269 | |
| 21 | $6,001 | 6.812% | $3,624 | 14 | +$1,302 | |
| 22 | $6,508 | 6.875% | $3,171 | 17 | +$1,809 | |
| 23 | $6,658 | 7.188% | $2,715 | 14 | +$1,959 | |
| 24 | $6,770 | 6.750% | $4,015 | 31 | +$2,071 | |
| 25 | $6,977 | 6.433% | $3,956 | 10 | +$2,278 |
Includes lenders with 10+ purchase originations in Stearns 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.