Lowest closing cost mortgage lenders in Montgomery County County, Ohio
In Montgomery County, Ohio, homebuyers paid a median of $4,738 in closing costs in 2024 — below the Ohio median of $5,161. The county saw 5,378 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Union Savings Bank offered the lowest median costs at $1,584, which is $2,409 less than the county median.
Homebuyers in Montgomery County County who chose Union Savings Bank paid $3,154 less in closing costs than the county median.
County Median Costs
$4,738
−8.2% vs Ohio ($5,161)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,515
Purchase Originations
5,378
vs Ohio Median
8.2% below
$-423
vs National Median
29.7% below
$-2,003
Lender rankings in Montgomery County County
51 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,584 | 6.875% | $500 | 379 | −$2,409 | |
| 2 | $1,894 | 6.625% | $0 | 10 | −$2,099 | |
| 3 | $2,680 | 6.750% | $0 | 29 | −$1,313 | |
| 4 | $2,883 | 6.625% | $425 | 100 | −$1,110 | |
| 5 | $3,067 | 6.375% | $660 | 42 | −$926 | |
| 6 | $3,184 | 6.750% | $996 | 14 | −$808 | |
| 7 | $3,392 | 6.500% | $950 | 16 | −$601 | |
| 8 | $3,425 | 6.625% | $165 | 15 | −$568 | |
| 9 | $3,432 | 6.625% | $1,085 | 14 | −$561 | |
| 10 | $3,454 | 6.990% | $1,001 | 18 | −$539 | |
| 11 | $3,484 | 6.875% | $1,515 | 29 | −$509 | |
| 12 | $3,510 | 6.750% | $1,180 | 219 | −$483 | |
| 13 | $3,561 | 6.812% | $1,213 | 72 | −$432 | |
| 14 | $3,605 | 6.125% | $213 | 532 | −$388 | |
| 15 | $3,627 | 6.750% | $1,295 | 69 | −$366 | |
| 16 | $3,663 | 6.750% | $1,425 | 96 | −$330 | |
| 17 | $3,720 | 6.625% | $1,241 | 15 | −$273 | |
| 18 | $3,804 | 6.990% | $1,494 | 16 | −$189 | |
| 19 | $3,868 | 6.875% | $1,435 | 36 | −$125 | |
| 20 | $3,983 | 6.625% | $1,385 | 26 | −$10 | |
| 21 | $4,028 | 6.812% | $2,252 | 16 | +$35 | |
| 22 | $4,043 | 6.750% | $1,227 | 33 | +$50 | |
| 23 | $4,192 | 6.875% | $1,663 | 22 | +$199 | |
| 24 | $4,213 | 6.562% | $1,599 | 10 | +$220 | |
| 25 | $4,272 | 7.000% | $1,927 | 137 | +$279 | |
| 26 | $4,364 | 6.625% | $1,640 | 38 | +$371 | |
| 27 | $4,616 | 6.750% | $2,063 | 11 | +$622 | |
| 28 | $4,671 | 7.075% | $1,948 | 85 | +$678 | |
| 29 | $4,767 | 6.990% | $2,150 | 156 | +$774 | |
| 30 | $4,778 | 6.875% | $2,125 | 17 | +$785 | |
| 31 | $4,907 | 7.125% | $2,220 | 50 | +$914 | |
| 32 | $5,059 | 6.875% | $3,059 | 150 | +$1,066 | |
| 33 | $5,494 | 7.062% | $2,965 | 18 | +$1,501 | |
| 34 | $5,654 | 6.990% | $3,231 | 63 | +$1,661 | |
| 35 | $5,769 | 6.999% | $3,244 | 121 | +$1,776 | |
| 36 | $5,769 | 6.990% | $2,950 | 19 | +$1,776 | |
| 37 | $5,868 | 6.812% | $2,491 | 18 | +$1,875 | |
| 38 | $5,890 | 6.875% | $3,417 | 101 | +$1,897 | |
| 39 | $5,976 | 6.375% | $2,861 | 42 | +$1,983 | |
| 40 | $6,281 | 6.625% | $3,947 | 19 | +$2,288 | |
| 41 | $6,291 | 6.531% | $3,708 | 16 | +$2,298 | |
| 42 | $6,305 | 7.125% | $3,692 | 82 | +$2,312 | |
| 43 | $6,514 | 7.250% | $3,618 | 13 | +$2,521 | |
| 44 | $6,931 | 7.125% | $3,716 | 28 | +$2,938 | |
| 45 | $7,144 | 7.125% | $4,751 | 13 | +$3,152 | |
| 46 | $9,142 | 6.062% | $6,302 | 22 | +$5,149 |
Includes lenders with 10+ purchase originations in Montgomery 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.