Ohio · Q1 2026
What Ohio borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 673 lenders.
Published 2026-04-29.
Ohio · headline
The gap between Ohio's lowest- and highest-cost ranked lenders in 2025 was $5,814 on a typical loan — borrowers using NFM Lending paid roughly 386% more than borrowers using Union Savings Bank on similar loans.
Source: FFIEC HMDA 2025 (n=175,931)
In 2025, 673 mortgage lenders originated 175,931 reportable loans in Ohio according to FFIEC HMDA data. The median borrower paid $4,829 in total loan costs. That is 13.8% above the national median across all 50 states and DC.
Ohio's median total loan cost was $4,829, 13.8% above the national median of $4,242. On a typical loan, that translates to roughly $587 more than borrowers paid in the average state.
Union Savings Bank posted the lowest median total loan costs at $1,507, 68.8% below the Ohio median. Across the ranked lenders, 7 earned an A grade against peer averages and 3 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Ohio are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $5,453 | $3,107 | 16,673 | B |
| 2 | CrossCountry Mortgage | $7,015 | $3,275 | 9,989 | D |
| 3 | The Huntington National Bank | $4,200 | $1,295 | 9,677 | A |
| 4 | United Wholesale Mortgage | $6,820 | $3,355 | 8,959 | D |
| 5 | Union Home Mortgage Corp. | $6,168 | $2,693 | 4,621 | C |
| 6 | Fifth Third Bank, N.A. | $3,342 | $1,295 | 4,537 | A |
| 7 | Union Savings Bank | $1,507 | $500 | 4,017 | A |
| 8 | JPMorgan Chase Bank, N.A. | $3,658 | $1,842 | 3,639 | A |
| 9 | Third Federal Savings And Loan Association Of Cleveland | $2,136 | $1,095 | 3,435 | A |
| 10 | Mortgage Research Center, LLC | $4,420 | $2,517 | 3,302 | A |
Ohio median total loan cost
Ohio borrowers paid a median $4,829 in total loan costs in 2025, based on 175,931 HMDA-reported loans across 673 lenders.
FFIEC HMDA 2025
Lender spread in Ohio
In Ohio, the gap between Union Savings Bank ($1,507 median) and NFM Lending ($7,322 median) was $5,814 on a typical 2025 loan.
FFIEC HMDA 2025
Ohio vs. national
Ohio closing costs ran 13.8% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Ohio was $1,703, with the typical lender clustering tightly around that figure. Discount points appeared on 54% of loans, with a median paid amount of $1,604 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 35% of loans, with a median credit of $316.
Avg $2,853
Median $1,604 when present
Median $316 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Ohio) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Ohio
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