Lowest closing cost mortgage lenders in Shelby County County, Ohio
In Shelby County, Ohio, homebuyers paid a median of $4,646 in closing costs in 2024 — below the Ohio median of $5,161. The county saw 339 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Minster Bank offered the lowest median costs at $1,931, which is $2,092 less than the county median.
Homebuyers in Shelby County County who chose Minster Bank paid $2,715 less in closing costs than the county median.
County Median Costs
$4,646
−10.0% vs Ohio ($5,161)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,582
Purchase Originations
339
vs Ohio Median
10.0% below
$-515
vs National Median
31.1% below
$-2,095
Lender rankings in Shelby County County
9 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,931 | 6.625% | $607 | 25 | −$2,092 | |
| 2 | $2,915 | 6.500% | $810 | 15 | −$1,108 | |
| 3 | $3,329 | 7.125% | $920 | 13 | −$694 | |
| 4 | $3,497 | 6.875% | $995 | 21 | −$526 | |
| 5 | $3,980 | 6.375% | $228 | 13 | −$43 | |
| 6 | $6,300 | 6.875% | $3,749 | 16 | +$2,277 | |
| 7 | $6,911 | 6.250% | $4,455 | 16 | +$2,888 | |
| 8 | $7,540 | 6.688% | $4,335 | 10 | +$3,517 |
Includes lenders with 10+ purchase originations in Shelby 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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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.
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.