Homebuyers in Grand Forks County County who chose Granite Bank paid $1,404 less in closing costs than the county median.
County Median Costs
$5,613
−2.6% vs North Dakota ($5,764)
Median Rate
6.370%
−1.9% vs national (6.490%)
Median Origination
$2,682
Purchase Originations
544
Denial Rate
6.2%
vs North Dakota avg (5.7%)
vs North Dakota Median
2.6% below
$-151
vs National Median
16.0% below
$-1,067
11 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,209 | 6.495% | $1,795 | 14 | −$787 | |
| 2 | $4,305 | 6.250% | $2,752 | 27 | −$691 | |
| 3 | $4,415 | 6.375% | $2,668 | 15 | −$581 | |
| 4 | $4,452 | 6.412% | $2,726 | 12 | −$544 | |
| 5 | $4,508 | 6.475% | $2,279 | 26 | −$488 | |
| 6 | $4,636 | 6.750% | $2,075 | 13 | −$360 | |
| 7 | $4,882 | 6.312% | $3,466 | 20 | −$114 | |
| 8 | $5,023 | 6.125% | $2,985 | 73 | +$27 | |
| 9 | $5,688 | 6.500% | $3,795 | 25 | +$692 | |
| 10 | $5,946 | 6.499% | $3,930 | 63 | +$950 |
Includes lenders with 10+ purchase originations in Grand Forks County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in North Dakota → 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.