Lowest closing cost mortgage lenders in Hamilton County County, Ohio
In Hamilton County, Ohio, homebuyers paid a median of $4,808 in closing costs in 2024 — below the Ohio median of $5,161. The county saw 7,192 purchase mortgages at a median rate of 6.69%. Among lenders with 10+ originations, Union Savings Bank offered the lowest median costs at $1,564, which is $2,749 less than the county median.
Homebuyers in Hamilton County County who chose Union Savings Bank paid $3,244 less in closing costs than the county median.
County Median Costs
$4,808
−6.8% vs Ohio ($5,161)
Median Rate
6.690%
+1.1% vs national (6.620%)
Median Origination
$1,775
Purchase Originations
7,192
vs Ohio Median
6.8% below
$-353
vs National Median
28.7% below
$-1,933
Lender rankings in Hamilton County County
88 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,564 | 6.875% | $500 | 292 | −$2,749 | |
| 2 | $1,915 | 6.875% | $1,275 | 127 | −$2,398 | |
| 3 | $2,666 | 6.790% | $450 | 103 | −$1,648 | |
| 4 | $2,697 | 6.250% | $809 | 36 | −$1,616 | |
| 5 | $2,902 | 6.875% | $300 | 28 | −$1,411 | |
| 6 | $2,969 | 6.500% | $1,045 | 300 | −$1,344 | |
| 7 | $3,064 | 6.375% | $660 | 30 | −$1,249 | |
| 8 | $3,180 | 6.250% | $975 | 77 | −$1,133 | |
| 9 | $3,240 | 6.680% | $395 | 17 | −$1,073 | |
| 10 | $3,459 | 6.750% | $995 | 42 | −$854 | |
| 11 | $3,492 | 6.750% | $1,228 | 79 | −$821 | |
| 12 | $3,507 | 6.875% | $1,289 | 58 | −$806 | |
| 13 | $3,529 | 6.750% | $1,127 | 34 | −$784 | |
| 14 | $3,531 | 6.050% | $815 | 14 | −$782 | |
| 15 | $3,564 | 6.625% | $1,082 | 13 | −$748 | |
| 16 | $3,575 | 6.500% | $916 | 145 | −$738 | |
| 17 | $3,603 | 6.062% | $0 | 40 | −$710 | |
| 18 | $3,642 | 6.500% | $950 | 31 | −$671 | |
| 19 | $3,648 | 6.625% | $1,295 | 234 | −$665 | |
| 20 | $3,719 | 6.375% | $1,131 | 12 | −$594 | |
| 21 | $3,739 | 6.375% | $476 | 13 | −$574 | |
| 22 | $3,749 | 6.875% | $0 | 21 | −$564 | |
| 23 | $3,777 | 6.625% | $1,515 | 114 | −$536 | |
| 24 | $3,816 | 6.500% | $1,207 | 157 | −$497 | |
| 25 | $3,843 | 6.875% | $950 | 11 | −$470 | |
| 26 | $3,887 | 7.000% | $0 | 31 | −$426 | |
| 27 | $3,889 | 6.625% | $1,088 | 271 | −$424 | |
| 28 | $3,901 | 6.750% | $1,136 | 76 | −$412 | |
| 29 | $3,972 | 6.700% | $995 | 94 | −$341 | |
| 30 | $3,995 | 6.812% | $1,435 | 102 | −$318 | |
| 31 | $4,020 | 6.625% | $1,225 | 34 | −$293 | |
| 32 | $4,074 | 6.625% | $1,158 | 16 | −$239 | |
| 33 | $4,080 | 6.625% | $1,475 | 25 | −$233 | |
| 34 | $4,147 | 6.688% | $1,723 | 10 | −$166 | |
| 35 | $4,177 | 6.375% | $1,478 | 10 | −$136 | |
| 36 | $4,258 | 6.875% | $1,695 | 25 | −$56 | |
| 37 | $4,266 | 6.625% | $1,132 | 22 | −$47 | |
| 38 | $4,276 | 7.000% | $1,049 | 23 | −$37 | |
| 39 | $4,353 | 6.433% | $1,779 | 10 | +$40 | |
| 40 | $4,404 | 6.625% | $1,516 | 15 | +$91 | |
| 41 | $4,514 | 6.562% | $1,965 | 12 | +$201 | |
| 42 | $4,566 | 7.058% | $1,488 | 14 | +$253 | |
| 43 | $4,571 | 5.990% | $1,095 | 19 | +$258 | |
| 44 | $4,638 | 6.625% | $1,900 | 14 | +$325 | |
| 45 | $4,654 | 6.875% | $1,782 | 42 | +$341 | |
| 46 | $4,698 | 6.625% | $2,118 | 388 | +$385 | |
| 47 | $4,719 | 6.875% | $1,995 | 53 | +$406 | |
| 48 | $4,757 | 6.625% | $2,015 | 23 | +$444 | |
| 49 | $4,768 | 6.990% | $1,797 | 37 | +$454 | |
| 50 | $4,843 | 6.500% | $2,457 | 19 | +$530 | |
| 51 | $4,866 | 6.990% | $1,993 | 13 | +$554 | |
| 52 | $4,961 | 6.625% | $2,288 | 125 | +$648 | |
| 53 | $4,979 | 7.125% | $2,211 | 102 | +$666 | |
| 54 | $4,983 | 6.875% | $2,269 | 28 | +$670 | |
| 55 | $5,017 | 6.500% | $1,650 | 41 | +$704 | |
| 56 | $5,333 | 6.500% | $3,219 | 195 | +$1,020 | |
| 57 | $5,390 | 6.990% | $2,857 | 64 | +$1,077 | |
| 58 | $5,397 | 6.625% | $3,016 | 11 | +$1,084 | |
| 59 | $5,425 | 6.990% | $2,640 | 86 | +$1,112 | |
| 60 | $5,458 | 6.875% | $3,088 | 63 | +$1,145 | |
| 61 | $5,562 | 6.875% | $2,746 | 47 | +$1,249 | |
| 62 | $5,578 | 6.990% | $2,963 | 98 | +$1,265 | |
| 63 | $5,582 | 6.000% | $2,839 | 18 | +$1,269 | |
| 64 | $5,644 | 6.500% | $3,299 | 20 | +$1,331 | |
| 65 | $5,681 | 6.250% | $995 | 11 | +$1,368 | |
| 66 | $5,711 | 6.750% | $1,095 | 14 | +$1,398 | |
| 67 | $5,845 | 6.990% | $3,428 | 165 | +$1,532 | |
| 68 | $6,003 | 7.000% | $3,573 | 14 | +$1,690 | |
| 69 | $6,036 | 6.812% | $3,433 | 40 | +$1,723 | |
| 70 | $6,044 | 6.990% | $3,445 | 41 | +$1,731 | |
| 71 | $6,158 | 7.375% | $3,290 | 14 | +$1,845 | |
| 72 | $6,223 | 6.875% | $3,437 | 17 | +$1,910 | |
| 73 | $6,665 | 6.625% | $4,078 | 54 | +$2,352 | |
| 74 | $6,813 | 6.990% | $4,154 | 57 | +$2,500 | |
| 75 | $6,888 | 6.624% | $4,188 | 15 | +$2,574 | |
| 76 | $6,908 | 6.990% | $3,500 | 12 | +$2,595 | |
| 77 | $6,920 | 6.875% | $4,427 | 15 | +$2,607 | |
| 78 | $6,936 | 7.000% | $3,749 | 33 | +$2,623 | |
| 79 | $6,938 | 6.990% | $4,058 | 118 | +$2,625 | |
| 80 | $7,186 | 6.990% | $4,536 | 41 | +$2,873 | |
| 81 | $7,387 | 6.875% | $4,690 | 392 | +$3,074 | |
| 82 | $8,494 | 9.625% | $6,631 | 15 | +$4,181 |
Includes lenders with 10+ purchase originations in Hamilton 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.