Homebuyers in Henry County County who chose The Farmers & Merchants State Bank paid $1,216 less in closing costs than the county median.
County Median Costs
$4,392
−16.2% vs Ohio ($5,240)
Median Rate
6.620%
+2.0% vs national (6.490%)
Median Origination
$1,531
Purchase Originations
224
Denial Rate
6.9%
vs Ohio avg (6.9%)
vs Ohio Median
16.2% below
$-848
vs National Median
34.3% below
$-2,288
5 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,176 | 6.562% | $920 | 18 | −$769 | |
| 2 | $3,329 | 6.000% | $975 | 11 | −$616 | |
| 3 | $3,520 | 6.830% | $1,750 | 18 | −$425 | |
| 4 | $4,216 | 6.625% | $1,395 | 23 | +$271 | |
| 5 | $5,354 | 6.625% | $3,168 | 12 | +$1,409 |
Includes lenders with 10+ purchase originations in Henry County County. Source: HMDA 2025. 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 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.