Lowest closing cost mortgage lenders in Monroe County County, Florida
In Monroe County, Florida, homebuyers paid a median of $13,274 in closing costs in 2024 — above the Florida median of $8,887. The county saw 463 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, First Horizon Bank offered the lowest median costs at $7,614, which is $4,072 less than the county median.
Homebuyers in Monroe County County who chose First Horizon Bank paid $5,660 less in closing costs than the county median.
County Median Costs
$13,274
+49.4% vs Florida ($8,887)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$4,922
Purchase Originations
463
vs Florida Median
49.4% above
$4,387
vs National Median
96.9% above
$6,533
Lender rankings in Monroe County County
4 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,614 | 6.625% | $1,252 | 45 | −$4,072 | |
| 2 | $10,111 | 6.875% | $6,078 | 18 | −$1,576 | |
| 3 | $10,658 | 7.250% | $2,214 | 17 | −$1,029 | |
| 4 | $16,833 | 6.624% | $11,022 | 66 | +$5,146 |
Includes lenders with 10+ purchase originations in Monroe 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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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 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.