What are the average closing costs in Ottawa County County?

In Ottawa County County, the median total loan costs on purchase mortgages were $4,446 in 2024, based on 314 originations.

Which lender has the lowest closing costs in Ottawa County County?

Among lenders with 10+ originations in Ottawa County County, FREMONT Federal Credit Union had the lowest median total closing costs at $2,423 in 2024.

How do closing costs in Ottawa County County compare to Ohio?

Ottawa County County closing costs (median $4,446) are 13.8% below the Ohio state median of $5,161.

Lowest closing cost mortgage lenders in Ottawa County County, Ohio

In Ottawa County, Ohio, homebuyers paid a median of $4,446 in closing costs in 2024 — below the Ohio median of $5,161. The county saw 314 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, FREMONT Federal Credit Union offered the lowest median costs at $2,423, which is $1,845 less than the county median.

Homebuyers in Ottawa County County who chose FREMONT Federal Credit Union paid $2,023 less in closing costs than the county median.

County Median Costs

$4,446

−13.8% vs Ohio ($5,161)

Median Rate

6.750%

+2.0% vs national (6.620%)

Median Origination

$1,448

Purchase Originations

314

vs Ohio Median

13.8% below

$-715

vs National Median

34.0% below

$-2,295

Lender rankings in Ottawa County County

6 lenders with 10+ originations, ranked by median total loan costs.

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	FREMONT Federal Credit Union	$2,423	6.500%	$600	11	−$1,845
2	Civista Bank	$3,731	6.750%	$950	12	−$537
3	The Genoa Banking Company	$4,018	6.562%	$1,425	52	−$250
4	The Huntington National Bank	$4,314	6.600%	$1,082	25	+$46
5	UNION HOME MORTGAGE CORP.	$6,110	7.058%	$3,200	12	+$1,842
6	ROCKET MORTGAGE, LLC	$6,687	6.800%	$3,791	10	+$2,419

Includes lenders with 10+ purchase originations in Ottawa 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

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.

Audit my Closing Disclosure Check my Loan Estimate

Getting a quote from one of these lenders? Upload your Loan Estimate to verify their fees → Fair Loan Check

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.