Median Total Costs
$5,240
−21.6% vs national ($6,680)
↑ $79 vs prior year
Median Rate
6.620%
+2.0% vs national (6.490%)
Median Origination
$1,786
Purchase Originations
105,880
Denial Rate
6.9%
vs national avg (9.0%)
Ohio is a mortgage state (not a deed-of-trust state), meaning lenders use a mortgage instrument and foreclosure proceeds through the court system as a judicial foreclosure process. This typically makes foreclosure timelines longer than non-judicial states. Ohio is an attorney state for real estate closings, meaning a licensed attorney must be involved in the closing process, which adds to professional-fee line items. Ohio imposes a real property conveyance fee (transfer tax) of $1 per $1,000 of sale price at the county level, with some counties adding a permissive additional levy; the seller traditionally pays this fee, though it is negotiable. Title insurance in Ohio operates under a file-and-use rate system regulated by the Ohio Department of Insurance. Ohio does not broadly prohibit prepayment penalties on conventional loans beyond federal QM rules, but restrictions apply to high-cost loans under state law. The Ohio Division of Financial Institutions oversees state-chartered lenders and mortgage companies operating within the state.
Conventional loans dominate Ohio's purchase market, accounting for 72.8% of originations (75,379 loans) according to HMDA data, consistent with Ohio's mid-range home prices keeping many buyers within conforming loan limits. FHA loans are the second most common at 17.8% (18,477 loans), reflecting a meaningful share of first-time and lower-credit buyers. VA loans represent 8.1% of volume (8,376 loans), supported by several active military installations and a large veteran population across the state. USDA loans account for just 1.2% (1,282 loans), though Ohio's rural counties make some buyers eligible for this zero-down program.
The Huntington National Bank
Huntington is headquartered in Columbus and operates an extensive branch network across Ohio, making it one of the most geographically accessible lenders in the state. Its median total closing costs of $4,425 in the HMDA data are the lowest among Ohio's top-5 lenders by volume.
Union Home Mortgage Corp.
Union Home Mortgage is based in Strongsville, Ohio, and focuses primarily on the Midwest market, giving it a concentrated presence across the state. It ranked fifth in Ohio purchase originations in the HMDA data with 3,181 loans originated.
CrossCountry Mortgage, LLC
CrossCountry Mortgage is headquartered in Brecksville, Ohio, and led all lenders in Ohio purchase originations in the HMDA data with 8,046 loans. Its broad loan-officer network spans most Ohio metro and rural markets.
| Loan type | Volume | Median Rate | Median Total Costs |
|---|---|---|---|
| conventional | 75,370 | 6.625% | $4,622 |
| fha | 20,294 | 6.624% | $9,166 |
| va | 8,906 | 6.250% | $5,609 |
| usda | 1,310 | 6.500% | $6,453 |
Ranked by median total loan costs among lenders with 50+ purchase originations in Ohio.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,402 | 7.750% | $0 | 81 | −$3,838 | |
| 2 | $1,720 | 6.625% | $500 | 345 | −$3,520 | |
| 3 | $1,742 | 5.625% | $0 | 1,041 | −$3,498 | |
| 4 | $2,142 | 6.500% | $525 | 57 | −$3,098 | |
| 5 | $2,266 | 6.370% | $975 | 118 | −$2,974 | |
| 6 | $2,373 | 6.500% | $600 | 133 | −$2,867 | |
| 7 | $2,416 | 6.500% | $607 | 115 | −$2,824 | |
| 8 | $2,580 | 6.625% | $500 | 2,345 | −$2,660 | |
| 9 | $2,656 | 6.190% | $950 | 319 | −$2,584 | |
| 10 | $2,672 | 6.875% | $400 | 77 | −$2,568 | |
| 11 | $2,866 | 6.500% | $414 | 157 | −$2,374 | |
| 12 | $2,975 | 6.500% | $920 | 174 | −$2,265 | |
| 13 | $3,055 | 6.625% | $436 | 119 | −$2,185 | |
| 14 | $3,070 | 6.500% | $0 | 57 | −$2,170 | |
| 15 | $3,120 | 6.375% | $425 | 211 | −$2,120 | |
| 16 | $3,140 | 6.125% | $1,500 | 54 | −$2,100 | |
| 17 | $3,147 | 6.375% | $810 | 671 | −$2,093 | |
| 18 | $3,176 | 6.500% | $1,045 | 308 | −$2,064 | |
| 19 | $3,179 | 6.750% | $1,182 | 83 | −$2,061 | |
| 20 | $3,179 | 10.075% | $2,305 | 56 | −$2,061 | |
| 21 | $3,217 | 6.000% | $815 | 81 | −$2,023 | |
| 22 | $3,273 | 6.490% | $267 | 80 | −$1,967 | |
| 23 | $3,292 | 6.800% | $1,750 | 183 | −$1,948 | |
| 24 | $3,338 | 6.250% | $1,115 | 54 | −$1,902 | |
| 25 | $3,351 | 6.375% | $550 | 233 | −$1,889 |
Includes lenders with 50+ purchase originations in Ohio. Source: HMDA 2025. Sorted by median total loan costs.
Total closing costs in Ohio typically represent a moderate share of the loan amount relative to national norms, driven by the state's below-average lender fee environment and a transfer tax structure that, while variable by county, is generally modest. The largest cost drivers for most buyers are lender origination charges, title insurance premiums, and prepaid items such as homeowners insurance and escrow reserves — categories that vary significantly from lender to lender. FHA loan costs are disproportionately elevated by the upfront mortgage insurance premium, which inflates that product's closing-cost total. Among the line items most worth shopping are the lender origination fee, title insurance (both owner's and lender's policies), and settlement or closing fees, all of which are disclosed on the Loan Estimate and can differ substantially across providers.
Got a Ohio Closing Disclosure or Loan Estimate?
HMDA medians tell you what Ohio lenders usually charge. Upload your paperwork to see exactly how your quote compares — and get a ready-to-send negotiation email.
See user-reported fees for lenders serving Ohio →
Grades A–F from verified closing disclosure and loan estimate uploads — not industry medians.
Franklin County
11,429 originations
Cuyahoga County
9,710 originations
Hamilton County
7,526 originations
Montgomery County
5,526 originations
Summit County
5,178 originations
Butler County
3,727 originations
Lorain County
3,532 originations
Stark County
3,453 originations
Lucas County
3,351 originations
Warren County
3,081 originations
Delaware County
3,009 originations
Clermont County
2,589 originations
Lake County
2,573 originations
Mahoning County
1,964 originations
Licking County
1,921 originations
Medina County
1,894 originations
Greene County
1,887 originations
Fairfield County
1,872 originations
Trumbull County
1,651 originations
Clark County
1,321 originations
Portage County
1,290 originations
Union County
1,272 originations
Miami County
1,232 originations
Wood County
1,135 originations
Richland County
1,082 originations
Pickaway County
878 originations
Allen County
822 originations
Wayne County
791 originations
Muskingum County
769 originations
Geauga County
733 originations
Columbiana County
729 originations
Hancock County
706 originations
Ashtabula County
681 originations
Knox County
644 originations
Ross County
590 originations
Erie County
582 originations
Madison County
576 originations
Marion County
565 originations
Tuscarawas County
526 originations
Brown County
489 originations
Scioto County
470 originations
Sandusky County
454 originations
Ashland County
443 originations
Logan County
435 originations
Clinton County
411 originations
Huron County
396 originations
Jefferson County
392 originations
Lawrence County
379 originations
Preble County
378 originations
Darke County
374 originations
Auglaize County
367 originations
Highland County
357 originations
Fulton County
357 originations
Seneca County
350 originations
Washington County
343 originations
Williams County
341 originations
Morrow County
328 originations
Belmont County
327 originations
Defiance County
317 originations
Crawford County
297 originations
Shelby County
292 originations
Champaign County
283 originations
Perry County
278 originations
Guernsey County
267 originations
Ottawa County
266 originations
Fayette County
259 originations
Putnam County
240 originations
Coshocton County
235 originations
Henry County
224 originations
Van Wert County
221 originations
Jackson County
221 originations
Adams County
219 originations
Athens County
214 originations
Hardin County
213 originations
Gallia County
210 originations
Hocking County
171 originations
Carroll County
167 originations
Paulding County
161 originations
Mercer County
155 originations
Pike County
153 originations
Wyandot County
129 originations
Meigs County
102 originations
See Ohio closing cost details, fee benchmarks, and county comparisons → Ohio Closing Costs Guide
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.