What are the average closing costs in Richland County County?

In Richland County County, the median total loan costs on purchase mortgages were $4,191 in 2024, based on 1,090 originations.

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

Among lenders with 10+ originations in Richland County County, DIRECTIONS CREDIT UNION, INC. had the lowest median total closing costs at $2,042 in 2024.

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

Richland County County closing costs (median $4,191) are 18.8% below the Ohio state median of $5,161.

Lowest closing cost mortgage lenders in Richland County County, Ohio

In Richland County, Ohio, homebuyers paid a median of $4,191 in closing costs in 2024 — below the Ohio median of $5,161. The county saw 1,090 purchase mortgages at a median rate of 6.88%. Among lenders with 10+ originations, DIRECTIONS CREDIT UNION, INC. offered the lowest median costs at $2,042, which is $1,730 less than the county median.

Homebuyers in Richland County County who chose DIRECTIONS CREDIT UNION, INC. paid $2,149 less in closing costs than the county median.

County Median Costs

$4,191

−18.8% vs Ohio ($5,161)

Median Rate

6.880%

+3.9% vs national (6.620%)

Median Origination

$1,445

Purchase Originations

1,090

vs Ohio Median

18.8% below

$-970

vs National Median

37.8% below

$-2,550

Lender rankings in Richland County County

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

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	DIRECTIONS CREDIT UNION, INC.	$2,042	6.500%	$0	16	−$1,730
2	MECHANICS BANK	$2,559	6.490%	$950	216	−$1,213
3	U.S. Bank National Association	$3,371	6.562%	$1,204	10	−$401
4	THE EQUITABLE MORTGAGE CORPORATION	$3,440	6.562%	$1,395	10	−$332
5	The Huntington National Bank	$3,762	6.750%	$1,062	41	−$10
6	The Park National Bank	$3,799	6.999%	$1,249	126	+$27
7	LOANDEPOT.COM, LLC	$3,999	7.375%	$1,445	20	+$227
8	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	$4,190	7.375%	$1,698	73	+$418
9	JPMorgan Chase Bank, National Association	$4,559	6.625%	$2,475	20	+$787
10	UNION HOME MORTGAGE CORP.	$4,676	7.125%	$2,376	27	+$904
11	ROCKET MORTGAGE, LLC	$5,384	6.990%	$3,020	27	+$1,612
12	CROSSCOUNTRY MORTGAGE, LLC	$6,100	7.000%	$3,513	68	+$2,328

Includes lenders with 10+ purchase originations in Richland 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.