Lowest closing cost mortgage lenders in Defiance County County, Ohio
In Defiance County, Ohio, homebuyers paid a median of $3,872 in closing costs in 2024 — below the Ohio median of $5,161. The county saw 283 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, The Farmers & Merchants State Bank offered the lowest median costs at $2,755, which is $747 less than the county median.
Homebuyers in Defiance County County who chose The Farmers & Merchants State Bank paid $1,117 less in closing costs than the county median.
County Median Costs
$3,872
−25.0% vs Ohio ($5,161)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,304
Purchase Originations
283
vs Ohio Median
25.0% below
$-1,289
vs National Median
42.6% below
$-2,869
Lender rankings in Defiance 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 | $2,755 | 6.375% | $920 | 23 | −$747 | |
| 2 | $3,414 | 6.875% | $998 | 39 | −$88 | |
| 3 | $3,492 | 6.625% | $1,398 | 32 | −$10 | |
| 4 | $3,664 | 6.500% | $1,290 | 43 | +$162 |
Includes lenders with 10+ purchase originations in Defiance County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Ohio → 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.