Grade C · 0% of disclosures flagged for junk fees
Mortgage Company · Ohio · NMLS #3029
Avg Closing Costs
$7,737
median across reports
vs. National Average
20%
above national avg
Avg Origination Charge
$4,384
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $4,602 | $3,585 | 🔴 Above Avg |
| Origination Fee | $4,384 | $3,743 | 🔴 Above Avg |
| Title Insurance | $3,222 | $3,174 | 🟡 Average |
| Underwriting Fee | $1,539 | $1,473 | 🟡 Average |
| Appraisal | $1,135 | $1,081 | 🟡 Average |
| Settlement/Closing Fee | $1,027 | $976 | 🟡 Average |
| lender_credits | $882 | $1,150 | 🟢 Below Avg |
| Processing Fee | $808 | $790 | 🟡 Average |
| Title Search | $417 | $392 | 🟡 Average |
| Rate Lock Fee | $375 | $352 | 🟡 Average |
| Recording Fee | $362 | $344 | 🟡 Average |
| Document Preparation | $186 | $163 | 🔴 Above Avg |
| Tax Service Fee | $134 | $127 | 🟡 Average |
| Wire Transfer Fee | $73 | $69 | 🟡 Average |
| Credit Report | $71 | $69 | 🟡 Average |
| Courier/Delivery | $63 | $58 | 🟡 Average |
| Flood Certification | $24 | $23 | 🟡 Average |
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Based on 110,335 homebuyer-submitted Closing Disclosures, CrossCountry Mortgage's median total closing costs are $7,737. This is about 20% above the $6,435 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
Are Closing Costs Negotiable?
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How to Read Your Closing Disclosure
Page-by-page walkthrough of the 5-page form.
Average Closing Costs by State
Benchmark your costs against the state average.
Closing Costs in Ohio
State-specific benchmarks for Ohio.
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Aggregates from Crosscountry Mortgage, LLC's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
84,610
Ranked #3 nationally
Median Total Costs
$8,158
+22.1% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
Median Origination
$3,079
Median Lender Credits
$127
Cost Rank (500+ vol.)
#451
among lenders with 500+ originations
Denial Rate
2.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 54,356 | 6.750% | $6,886 | $3,030 |
| fha | 21,185 | 6.575% | $12,606 | $3,914 |
| va | 8,369 | 6.250% | $6,728 | $643 |
| usda | 700 | 6.575% | $7,844 | $2,961 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 8,122 | 6.750% | $7,312 | #1 |
| Florida | 7,946 | 6.625% | $9,694 | #5 |
| Pennsylvania | 6,561 | 6.625% | $7,822 | #1 |
| Texas | 5,884 | 6.625% | $10,946 | #9 |
| California | 5,434 | 6.625% | $9,882 | #5 |
| New Jersey | 4,752 | 6.625% | $8,542 | #1 |
| New York | 3,973 |
| This lender | Ohio median | National median | |
|---|---|---|---|
| Total Closing Costs | $7,312 | $5,240 | $6,680 |
| Interest Rate | 6.750% | 6.620% | 6.490% |
| Originations in state | 8,122 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Crosscountry Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $8,158 | $7,127 | +$1,031 (+14.5%) |
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| 6.625% |
| $6,782 |
| #4 |
| Illinois | 3,586 | 6.750% | $7,218 | #5 |
| Washington | 3,378 | 6.625% | $9,275 | #4 |
| Arizona | 3,224 | 6.500% | $10,143 | #3 |
| North Carolina | 2,981 | 6.625% | $7,998 | #8 |
| Massachusetts | 2,456 | 6.625% | $5,984 | #4 |
| Georgia | 2,434 | 6.575% | $9,573 | #8 |
| Minnesota | 2,378 | 6.625% | $6,718 | #3 |
| Virginia | 2,058 | 6.575% | $8,347 | #10 |
| Colorado | 1,748 | 6.575% | $8,343 | #4 |
| Michigan | 1,607 | 6.688% | $6,037 | #11 |
| Indiana | 1,568 | 6.688% | $5,612 | #8 |
| South Carolina | 1,528 | 6.575% | $8,141 | #9 |
| Tennessee | 1,334 | 6.575% | $8,803 | #10 |
| Maryland | 1,148 | 6.575% | $9,430 | #7 |
| Oregon | 979 | 6.625% | $9,828 | #7 |
| Nevada | 837 | 6.625% | $11,156 | #6 |
| Alabama | 745 | 6.575% | $7,525 | #18 |
| Missouri | 728 | 6.625% | $5,195 | #18 |
| Wisconsin | 635 | 6.750% | $5,293 | #23 |
| Kentucky | 626 | 6.750% | $5,713 | #15 |
| Connecticut | 604 | 6.714% | $6,654 | #8 |
| West Virginia | 578 | 6.575% | $7,871 | #5 |
| Utah | 435 | 6.500% | $10,108 | #15 |
| Louisiana | 417 | 6.625% | $8,128 | #21 |
| Kansas | 414 | 6.625% | $4,163 | #13 |
| New Hampshire | 413 | 6.688% | $4,998 | #7 |
| Montana | 390 | 6.575% | $7,289 | #6 |
| Mississippi | 384 | 6.625% | $7,651 | #14 |
| New Mexico | 341 | 6.250% | $11,262 | #10 |
| Idaho | 316 | 6.250% | $9,626 | #19 |
| Delaware | 278 | 6.625% | $9,023 | #10 |
| Maine | 244 | 6.625% | $5,474 | #13 |
| Arkansas | 198 | 6.575% | $8,052 | #37 |
| Wyoming | 174 | 6.240% | $9,756 | #8 |
| South Dakota | 131 | 6.575% | $6,386 | #19 |
| Oklahoma | 124 | 6.750% | $7,968 | #63 |
| Rhode Island | 105 | 6.750% | $5,953 | #26 |
| North Dakota | 86 | 6.490% | $7,637 | #19 |
| District of Columbia | 80 | 6.625% | $8,562 | #19 |
| Iowa | 71 | 6.750% | $5,944 | #70 |
| Puerto Rico | 57 | 6.625% | $12,345 | #23 |
| Hawaii | 37 | 6.625% | $6,940 | — |
| Alaska | 33 | 6.575% | $7,139 | — |
| Nebraska | 32 | 6.688% | $5,103 | — |
| Vermont | 18 | 6.908% | $6,263 | — |