Average Loan Estimate Fees in Ohio (2024)
Last Updated: April 2026 · Data: Optimal Blue OBMMI via Federal Reserve FRED API
Ohio Average
$4,890
Total lender & third-party fees
National Average
$6,300
Ohio is 22% below the national average
Fee-by-Fee Breakdown (2024)
| Fee Type | Ohio | National | Negotiable? |
|---|---|---|---|
| Origination Fee | $1,440 | $1,785 | Yes |
| Underwriting Fee | $760 | $815 | Yes |
| Processing Fee | $445 | $610 | Yes |
| Application Fee | $185 | $255 | Yes |
| Rate Lock Fee | $220 | $305 | Yes |
| Appraisal Fee | $370 | $510 | No |
| Title Insurance | $845 | $1,275 | No |
| Settlement Fee | $455 | $510 | Yes |
| Document Prep Fee | $150 | $205 | Yes |
| Flood Certification | $20 | $30 | No |
| Total | $4,890 | $6,300 |
Mortgage Closing Costs in Ohio
In 2024, borrowers in Ohio can expect total loan estimate fees of approximately $4,890 on average — 22% lower than the national average of $6,300. The lower costs in Ohio reflect a competitive local lending market and relatively lower operating costs for title and settlement services. Of the fees listed above, the negotiable ones represent your best opportunity to reduce out-of-pocket closing costs — simply asking your lender to reduce or waive these fees before closing can save hundreds of dollars.
Data Note
Fee benchmarks reflect 2024 market conditions. Lender fees have trended approximately 2% higher per year since 2023 due to operational cost increases. Actual fees on your Loan Estimate may vary by lender, loan type, and loan amount.
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