Grade C · 0% of disclosures flagged for junk fees
Online Lender · Ohio · NMLS #1091555
Avg Closing Costs
$7,758
median across reports
vs. National Average
129%
above national avg
Avg Origination Charge
$4,579
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $4,579 | $1,584 | 🔺 High |
| discount_points | $4,473 | $2,242 | 🔺 High |
| Title Insurance | $3,036 | $3,111 | 🟡 Average |
| lender_credits | $1,982 | $428 | 🔺 High |
| Underwriting Fee | $1,484 | $1,473 | 🟡 Average |
| Appraisal | $1,076 | $1,081 | 🟡 Average |
| Settlement/Closing Fee | $970 | $986 | 🟡 Average |
| Processing Fee | $791 | $790 | 🟡 Average |
| Title Search | $390 | $392 | 🟡 Average |
| Rate Lock Fee | $352 | $376 | 🟡 Average |
| Recording Fee | $341 | $344 | 🟡 Average |
| Document Preparation | $176 | $147 | 🔴 Above Avg |
| Tax Service Fee | $126 | $128 | 🟡 Average |
| Wire Transfer Fee | $68 | $69 | 🟡 Average |
| Credit Report | $67 | $69 | 🟡 Average |
| Courier/Delivery | $61 | $58 | 🟡 Average |
| Flood Certification | $24 | $23 | 🟡 Average |
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Based on 16,559 homebuyer-submitted Closing Disclosures, Lower.com's median total closing costs are $7,758. This is about 129% above the $3,383 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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What Are Junk Fees on a Mortgage?
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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 Lower, LLC's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
11,452
Ranked #34 nationally
Median Total Costs
$7,843
+17.4% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$2,558
Median Lender Credits
$525
Cost Rank (500+ vol.)
#434
among lenders with 500+ originations
Denial Rate
5.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 6,815 | 6.625% | $6,270 | $2,635 |
| fha | 3,349 | 6.375% | $11,592 | $2,894 |
| va | 1,172 | 6.250% | $7,647 | $1,670 |
| usda | 116 | 6.375% | $6,847 | $1,748 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 1,375 | 6.375% | $10,297 | #49 |
| Florida | 1,128 | 6.500% | $8,841 | #43 |
| Ohio | 1,060 | 6.625% | $7,053 | #20 |
| South Carolina | 1,047 | 6.625% | $8,261 | #15 |
| Colorado | 808 | 6.500% | $9,889 | #21 |
| Illinois | 660 | 6.750% | $6,262 | #33 |
| North Carolina | 658 | 6.500% | $7,283 | #41 |
| Georgia | 516 | 6.375% | $9,229 | #47 |
| Virginia | 411 | 6.500% | $7,715 | #49 |
| Maryland | 409 | 6.625% | $9,858 | #35 |
| Iowa | 343 | 6.750% | $3,100 | #20 |
| Kentucky | 316 | 6.624% | $6,682 | #31 |
| Louisiana | 297 | 6.625% | $6,348 | #28 |
| Minnesota | 285 | 6.500% | $6,341 | #49 |
| Indiana | 284 | 6.500% | $5,828 | #64 |
| Tennessee | 191 | 6.500% | $8,789 | #84 |
| Arizona | 167 | 6.375% | $10,233 | #76 |
| Montana | 150 | 6.125% | $10,260 | #13 |
| Washington | 136 | 6.500% | $9,872 | #89 |
| Wisconsin | 105 | 6.500% | $4,602 | #90 |
| Missouri | 102 | 6.500% | $4,707 | #90 |
| Pennsylvania | 100 | 6.500% | $8,657 | #162 |
| California | 99 | 6.500% | $10,399 | #201 |
| Arkansas | 87 | 6.490% | $4,978 | #72 |
| New Jersey | 86 | 6.500% | $12,030 | #116 |
| Utah | 72 | 6.500% | $8,279 | #65 |
| Nevada | 63 | 6.500% | $9,967 | #81 |
| Alabama | 58 | 6.500% | $6,131 | #125 |
| Oregon | 47 | 6.500% | $9,436 | — |
| Michigan | 45 | 6.750% | $4,315 | — |
| Oklahoma | 39 | 6.500% | $7,326 | — |
| District of Columbia | 38 | 6.375% | $12,361 | — |
| Idaho | 37 | 6.375% | $10,449 | — |
| Nebraska | 33 | 6.625% | $5,369 | — |
| Delaware | 32 | 6.558% | $10,749 | — |
| New Hampshire | 31 | 6.624% | $4,748 | — |
| Massachusetts | 27 | 6.500% | $10,920 | — |
| West Virginia | 27 | 6.375% | $6,099 | — |
| Kansas | 26 | 6.625% | $5,873 | — |
| Connecticut | 19 | 6.500% | $6,344 | — |
| New Mexico | 19 | 6.625% | $6,245 | — |
| Wyoming | 7 | 6.250% | $6,175 | — |
| Mississippi | 5 | 6.500% | $7,066 | — |
| North Dakota | 3 | 6.625% | $6,599 | — |
| Maine | 2 | 6.312% | $6,420 | — |
| Rhode Island | 2 | 6.000% | $12,950 | — |
| This lender | Texas median | National median | |
|---|---|---|---|
| Total Closing Costs | $10,297 | $8,397 | $6,680 |
| Interest Rate | 6.375% | 6.250% | 6.490% |
| Originations in state | 1,375 | — | — |
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 | Lower, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $7,843 | $7,127 | +$716 (+10.0%) |