Grade A · 0% of disclosures flagged for junk fees
Mortgage Company · Ohio · NMLS #1116139
Avg Closing Costs
$6,216
median across reports
vs. National Average
84%
above national avg
Avg Origination Charge
$3,985
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $4,140 | $2,242 | 🔺 High |
| Origination Fee | $3,985 | $1,584 | 🔺 High |
| Title Insurance | $3,405 | $3,111 | 🟡 Average |
| Underwriting Fee | $1,546 | $1,473 | 🟡 Average |
| Appraisal | $1,125 | $1,081 | 🟡 Average |
| Settlement/Closing Fee | $1,053 | $986 | 🟡 Average |
| Processing Fee | $841 | $790 | 🟡 Average |
| lender_credits | $505 | $428 | 🔴 Above Avg |
| Title Search | $412 | $392 | 🟡 Average |
| Recording Fee | $364 | $344 | 🟡 Average |
| Rate Lock Fee | $329 | $376 | 🟢 Below Avg |
| Document Preparation | $159 | $147 | 🟡 Average |
| Tax Service Fee | $135 | $128 | 🟡 Average |
| Wire Transfer Fee | $72 | $69 | 🟡 Average |
| Credit Report | $71 | $69 | 🟡 Average |
| Courier/Delivery | $63 | $58 | 🟡 Average |
| Flood Certification | $25 | $23 | 🟡 Average |
Got a Loan Estimate from Nations Lending? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 6,420 homebuyer-submitted Closing Disclosures, Nations Lending's median total closing costs are $6,216. This is about 84% 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.
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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 Nations Lending Corporation's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
3,999
Ranked #123 nationally
Median Total Costs
$5,468
−18.1% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
Median Origination
$1,595
Median Lender Credits
$86
Cost Rank (500+ vol.)
#237
among lenders with 500+ originations
Denial Rate
2.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,426 | 6.625% | $4,680 | $1,645 |
| fha | 1,121 | 6.740% | $7,751 | $104 |
| va | 381 | 6.625% | $5,915 | $1,595 |
| usda | 71 | 6.750% | $3,675 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Wisconsin | 668 | 6.625% | $3,890 | #21 |
| Texas | 531 | 6.500% | $7,144 | #112 |
| Ohio | 444 | 6.750% | $5,107 | #62 |
| Arizona | 410 | 6.500% | $5,933 | #46 |
| Missouri | 269 | 6.875% | $4,661 | #43 |
| Oregon | 222 | 6.500% | $5,238 | #40 |
| Mississippi | 156 | 6.625% | $6,049 | #36 |
| Nevada | 155 | 6.500% | $4,949 | #47 |
| Indiana | 152 | 6.750% | $4,348 | #101 |
| Illinois | 123 | 6.875% | $7,876 | #134 |
| California | 97 | 6.625% | $7,978 | #203 |
| Minnesota | 94 | 6.750% | $5,248 | #93 |
| New Jersey | 94 | 6.750% | $10,514 | #114 |
| New Mexico | 85 | 6.875% | $4,968 | #45 |
| Tennessee | 73 | 6.500% | $6,328 | #149 |
| Florida | 68 | 6.750% | $6,340 | #283 |
| Louisiana | 52 | 7.250% | $5,293 | #84 |
| North Dakota | 33 | 6.500% | $4,636 | — |
| Virginia | 30 | 6.562% | $7,083 | — |
| North Carolina | 28 | 6.500% | $5,979 | — |
| Massachusetts | 26 | 6.750% | $6,828 | — |
| Alabama | 24 | 6.750% | $4,727 | — |
| Pennsylvania | 17 | 6.625% | $9,891 | — |
| South Carolina | 16 | 6.625% | $6,121 | — |
| West Virginia | 16 | 6.750% | $4,828 | — |
| Colorado | 14 | 6.875% | $6,020 | — |
| Maryland | 14 | 6.312% | $3,328 | — |
| Michigan | 14 | 6.750% | $4,307 | — |
| Kentucky | 13 | 6.750% | $5,545 | — |
| Georgia | 11 | 6.625% | $5,851 | — |
| Oklahoma | 11 | 6.875% | $5,186 | — |
| Delaware | 8 | 6.688% | $5,511 | — |
| Arkansas | 5 | 6.750% | $5,306 | — |
| Connecticut | 5 | 6.500% | $5,348 | — |
| New Hampshire | 5 | 6.500% | $8,857 | — |
| New York | 4 | 6.250% | $6,559 | — |
| Utah | 3 | 6.875% | $2,432 | — |
| Washington | 3 | 6.125% | $6,236 | — |
| Maine | 2 | 6.625% | $11,767 | — |
| Idaho | 1 | 5.875% | $7,996 | — |
| Montana | 1 | 6.375% | $4,155 | — |
| South Dakota | 1 | 6.990% | $3,623 | — |
| Wyoming | 1 | 7.125% | $1,463 | — |
| This lender | Wisconsin median | National median | |
|---|---|---|---|
| Total Closing Costs | $3,890 | $3,436 | $6,680 |
| Interest Rate | 6.625% | 6.500% | 6.490% |
| Originations in state | 668 | — | — |
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 | Nations Lending Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $5,468 | $7,127 | −$1,659 (−23.3%) |