What are the average closing costs in Bay County County?

In Bay County County, the median total loan costs on purchase mortgages were $7,709 in 2024, based on 2,730 originations.

Which lender has the lowest closing costs in Bay County County?

Among lenders with 10+ originations in Bay County County, DHI MORTGAGE COMPANY, LTD. had the lowest median total closing costs at $3,096 in 2024.

How do closing costs in Bay County County compare to Florida?

Bay County County closing costs (median $7,709) are 13.3% below the Florida state median of $8,887.

Lowest closing cost mortgage lenders in Bay County County, Florida

In Bay County, Florida, homebuyers paid a median of $7,709 in closing costs in 2024 — below the Florida median of $8,887. The county saw 2,730 purchase mortgages at a median rate of 6.25%. Among lenders with 10+ originations, DHI MORTGAGE COMPANY, LTD. offered the lowest median costs at $3,096, which is $2,698 less than the county median.

Homebuyers in Bay County County who chose DHI MORTGAGE COMPANY, LTD. paid $4,613 less in closing costs than the county median.

County Median Costs

$7,709

−13.3% vs Florida ($8,887)

Median Rate

6.250%

−5.6% vs national (6.620%)

Median Origination

$1,612

Purchase Originations

2,730

vs Florida Median

13.3% below

$-1,178

vs National Median

14.4% above

$968

Lender rankings in Bay County County

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

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	DHI MORTGAGE COMPANY, LTD.	$3,096	5.750%	$0	105	−$2,698
2	NAVY FEDERAL CREDIT UNION	$3,282	6.438%	$0	22	−$2,512
3	NEW AMERICAN FUNDING, LLC	$4,493	7.062%	$1,489	20	−$1,301
4	Capital City Home Loans, LLC	$4,504	6.750%	$1,632	10	−$1,290
5	VICTORY MORTGAGE, L.L.C.	$4,554	6.375%	$660	17	−$1,240
6	Trustmark Bank	$5,538	6.625%	$1,695	52	−$256
7	CMG MORTGAGE, INC.	$5,592	7.058%	$1,670	10	−$202
8	Ameris Bank	$5,633	6.558%	$3,008	12	−$161
9	ACRISURE MORTGAGE, LLC	$5,704	6.490%	$2,082	49	−$90
10	Tyndall Federal Credit Union	$5,728	6.375%	$2,319	61	−$66
11	Centennial Bank	$5,908	6.750%	$1,810	42	+$114
12	GUILD MORTGAGE COMPANY LLC	$6,194	6.625%	$2,724	20	+$400
13	ROCKET MORTGAGE, LLC	$6,517	6.625%	$3,400	77	+$723
14	VANDERBILT MORTGAGE AND FINANCE, INC.	$6,696	8.745%	$3,498	20	+$902
15	21ST MORTGAGE CORPORATION	$6,733	8.910%	$4,500	31	+$939
16	MOVEMENT MORTGAGE, LLC	$6,753	6.875%	$2,735	13	+$959
17	UNITED WHOLESALE MORTGAGE, LLC	$6,756	6.625%	$3,876	94	+$962
18	Regions Bank	$6,880	6.625%	$3,039	40	+$1,086
19	Wells Fargo Bank, National Association	$6,893	6.375%	$3,996	72	+$1,099
20	Community Bank of Mississippi	$7,172	7.000%	$3,587	12	+$1,378
21	Cadence Bank	$7,225	6.875%	$2,112	19	+$1,431
22	CROSSCOUNTRY MORTGAGE, LLC	$7,496	6.990%	$3,690	17	+$1,702
23	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	$10,740	6.990%	$5,655	13	+$4,946

Includes lenders with 10+ purchase originations in Bay County County. Source: HMDA 2024. Sorted by median total loan costs.

View detailed closing cost breakdowns and user reviews for lenders in Florida → Lender Directory

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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.