{"id":8489,"date":"2026-08-20T09:41:36","date_gmt":"2026-08-20T14:41:36","guid":{"rendered":"https:\/\/tomo.com\/blog\/?p=8489"},"modified":"2026-08-21T08:31:54","modified_gmt":"2026-08-21T13:31:54","slug":"online-mortgage-closing-costs-by-lender-type","status":"publish","type":"post","link":"https:\/\/tomo.com\/blog\/online-mortgage-closing-costs-by-lender-type\/","title":{"rendered":"Are Online Mortgage Lenders Cheaper on Closing Costs? Here&#8217;s What&#8217;s Actually Comparable"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Most of what shows up in your total <a href=\"https:\/\/tomo.com\/blog\/how-much-are-closing-costs\/\" title=\"How much are closing costs?\">closing costs<\/a>, <a href=\"https:\/\/tomo.com\/blog\/what-is-a-home-appraisal-and-how-much-does-it-really-cost\/\" title=\"What is a home appraisal and how much does it really cost?\">appraisal<\/a>, title insurance, taxes, escrow, is priced by third parties or local government, not by whether you chose a bank or an <a href=\"https:\/\/tomo.com\/blog\/is-it-safe-to-get-a-mortgage-online\/\" title=\"Is It Safe to Get a Mortgage Completely Online?\">online lender<\/a>. The one line item a mortgage lender actually controls, and the one genuinely worth comparing between lenders, is the Section A fees that your lender sets directly: application fees, underwriting fees, processing fees, and the origination fee itself.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Quick Answer:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Most closing cost categories are set by third parties or local government (appraisal, title, taxes, insurance, escrow), not by lender type, so they don&#8217;t meaningfully differ between a bank and an online lender in the first place.<\/li>\n\n\n\n<li>The one line item a lender fully controls is Section A, origination charges. That&#8217;s where lender differences actually show up, and where a $0 origination fee applies.<\/li>\n\n\n\n<li>No official dataset breaks out total closing costs by lender type (bank, nonbank, online-direct). CFPB&#8217;s own HMDA data doesn&#8217;t publish that split, and no credible third-party source does either.<\/li>\n\n\n\n<li>Total closing costs typically run 2% to 5% of your loan amount, according to Freddie Mac, regardless of lender type.<\/li>\n\n\n\n<li>You can compare the one part that does vary by lender yourself: pull Loan Estimates from a couple of lenders and compare Section A line by line.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div style=\"background: #ddf5f4; padding: 24px 28px; margin: 32px 0; border-radius: 8px;\">\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; font-size: 22px; color: #1a1a1a; margin: 0 0 12px 0; line-height: 1.3; text-align: left;\">\n    Ready to experience a different kind of lender?\n  <\/p>\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 400; font-size: 16px; color: #2d2d2d; margin: 0 0 20px 0; line-height: 1.5; text-align: left;\">\n    Tomo was built without lender fees, which means our team&#8217;s success is measured by your closing. If you value transparent pricing and a stremlined digital experience, Tomo Mortgage was built for you.\n  <\/p>\n  \n  <a href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\" style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; display: inline-block; background: #fb7564; color: #ffffff; font-size: 16px; padding: 14px 28px; border-radius: 6px; text-decoration: none; text-align: left;\">\n    Get Started \u2192\n  <\/a>\n  \n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Closing Costs Don&#8217;t Vary By Lender Type<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Every cost on your <a href=\"https:\/\/tomo.com\/blog\/how-to-get-a-fair-deal-on-a-mortgage-what-lenders-try-to-hide-in-a-loan-estimate\/\" title=\"How to get a fair deal on a mortgage\u2014what lenders try to hide in a Loan Estimate\">Loan Estimate<\/a> falls into a labeled section, and each section is controlled by a different party, not your lender across the board:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Section A, Origination Charges.<\/strong> Fees your lender sets directly: application fees, underwriting fees, processing fees, and the origination fee itself. This is the only section a lender fully controls.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/tomo.com\/blog\/section-b-closing-costs-explained\/\" title=\"Understanding Your Section B Closing Costs at Tomo Mortgage\">Section B<\/a>, Services You Cannot Shop For.<\/strong> Third-party services your lender requires and selects, most commonly the appraisal and credit report. The provider is chosen by the lender, but the pricing reflects the appraiser or credit bureau&#8217;s rates, not a lender markup you can shop away.<\/li>\n\n\n\n<li><strong>Section C, Services You Can Shop For.<\/strong> Services like title insurance and a property survey. Your lender must give you a list of approved providers, but you can shop elsewhere, and the price is set by that provider, not your lender.<\/li>\n\n\n\n<li><strong>Section D, Total Loan Costs.<\/strong> The sum of A, B, and C.<\/li>\n\n\n\n<li><strong>Sections E, F, and G, Taxes, Prepaids, and Escrow.<\/strong> Government recording and transfer taxes (E), upfront costs like homeowners insurance and prepaid interest (F), and your initial escrow deposit (G). None of these are set by your lender; they&#8217;re set by local government, insurance companies, and your own tax and insurance schedule.<\/li>\n\n\n\n<li><strong>Section H, Other, and Section I, Total Other Costs.<\/strong> Anything not covered above, plus the sum of E through H.<\/li>\n\n\n\n<li><strong>Section J, Total Closing Costs.<\/strong> D plus I, the number most people mean when they say &#8220;closing costs.&#8221;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sections B through J are effectively the same no matter which <a href=\"https:\/\/tomo.com\/mortgage\/products\/conventional\" title=\"Tomo Mortgage conventional loans\">mortgage<\/a> lender you choose for a given property and loan amount, since they&#8217;re priced by appraisers, title companies, insurers, and local government. That&#8217;s the real reason a &#8220;closing costs by lender type&#8221; dataset wouldn&#8217;t tell you much even if one existed: most of the number it would report has nothing to do with lender type in the first place. Section A is the exception, and it&#8217;s where the actual comparison lives.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/rates\">Check Today&#8217;s Mortgage Rates<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Actually Compare Closing Costs Across Lenders<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Since no dataset will do this comparison for you, here&#8217;s how to do it yourself in a few minutes:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Request Loan Estimates from two or three lenders<\/strong> for the same loan amount, property, and loan type. Lenders are required to provide one within three business days of a complete application.<\/li>\n\n\n\n<li><strong>Compare Section A, origination charges, line by line.<\/strong> This is the number that should actually differ by lender, since it&#8217;s the one section a lender sets directly.<\/li>\n\n\n\n<li><strong>Treat Sections B, C, E, F, and G as roughly consistent across your quotes.<\/strong> If they vary a lot for the same property and loan amount, that&#8217;s worth asking your lender about, but it&#8217;s more likely an estimation difference than a real lender-quality signal, since those sections reflect third-party and government pricing that shouldn&#8217;t change based on who&#8217;s originating your loan.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/interest-rates-today\">Compare Mortgage Lenders Today With TrueRate<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Typical Closing Costs: 2% to 5% of Your Loan Amount<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to <a href=\"https:\/\/myhome.freddiemac.com\/blog\/homebuying\/what-are-closing-costs-and-how-much-will-i-pay\">Freddie Mac<\/a>, total closing costs typically run 2% to 5% of your loan amount. On a $400,000 loan, that&#8217;s roughly $8,000 to $20,000*, though the actual figure depends heavily on your state (property taxes and transfer taxes vary widely), your loan type (government-backed loans carry different upfront fees), and how much of Section C you shop around on. This range holds regardless of lender type, for the same reason outlined above: most of what drives it isn&#8217;t set by your lender.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">*Figures in this article are illustrative examples, not a quote. Confirm your actual costs with your lender.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The One Line Item That&#8217;s Actually Comparable: Origination Fees<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Section A is where lender differences genuinely show up. The national median origination charge on 2025 HMDA-reported loans was approximately $1,495. Tomo Mortgage charges $0 in origination fees. For a full breakdown of what that difference means on a typical loan check out <a href=\"https:\/\/tomo.com\/blog\/no-origination-fee-savings\/\">How Much Does a $0 Origination Fee Save You?<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But why do non-depository and online-direct lenders often have more room to cut origination fees? Independent mortgage companies <a href=\"https:\/\/tomo.com\/blog\/nonbank-mortgage-lender-market-share\/\" title=\"Nonbank Lenders Originate Two-Thirds of All U.S. Mortgages. Here\u2019s Why\">typically have a lower average cost to originate<\/a> a loan than depository banks in 2025, $12,209 versus $16,320, according to <a href=\"https:\/\/newslink.mba.org\/mba-newslinks\/2026\/june\/mba-newslink-monday-june-22-2026\/chart-of-the-week-retail-production-channel-cost-to-originate-a-loan\/\" title=\"Mortgage Bankers Association data\">Mortgage Bankers Association data<\/a>. That&#8217;s a lender&#8217;s cost to produce a loan, not a borrower&#8217;s closing cost, and a lower cost structure is part of why some lenders can offer $0 origination fees while others can&#8217;t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\">Start Your Online Mortgage Application<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions (FAQs)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Do online mortgage lenders have lower closing costs than banks?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most closing cost categories, appraisal, title, taxes, escrow, are set by third parties or local government, not by lender type, so they don&#8217;t meaningfully differ between a bank and an online lender. The one line item that does vary by lender is the origination fee, where some online lenders, including Tomo Mortgage, charge $0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What&#8217;s included in mortgage closing costs?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your Loan Estimate breaks closing costs into labeled sections: origination charges your lender sets (Section A), required third-party services (Section B), services you can shop for like title insurance (Section C), and taxes, prepaid costs, and escrow (Sections E through G). Most of these are set by third parties or local government, not by your lender.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How much are typical mortgage closing costs?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Typically 2% to 5% of your loan amount, according to Freddie Mac. On a $400,000 loan, that&#8217;s roughly $8,000 to $20,000, depending on your state, loan type, and how much you shop around on the services you&#8217;re allowed to shop for.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div style=\"background: #ddf5f4; padding: 24px 28px; margin: 32px 0; border-radius: 8px;\">\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; font-size: 22px; color: #1a1a1a; margin: 0 0 12px 0; line-height: 1.3; text-align: left;\">\n    Ready to experience a different kind of lender?\n  <\/p>\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 400; font-size: 16px; color: #2d2d2d; margin: 0 0 20px 0; line-height: 1.5; text-align: left;\">\n    Tomo was built without lender fees, which means our team&#8217;s success is measured by your closing. If you value transparent pricing and a stremlined digital experience, Tomo Mortgage was built for you.\n  <\/p>\n  \n  <a href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\" style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; display: inline-block; background: #fb7564; color: #ffffff; font-size: 16px; padding: 14px 28px; border-radius: 6px; text-decoration: none; text-align: left;\">\n    Get Started \u2192\n  <\/a>\n  \n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Most of what shows up in your total closing costs, appraisal, title insurance, taxes, escrow, is priced by third parties or local government, not by whether you chose a bank or an online lender. The one line item a mortgage lender actually controls, and the one genuinely worth comparing between lenders, is the Section A [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":4829,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"fifu_image_url":"","fifu_image_alt":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[288,282],"tags":[],"class_list":["post-8489","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-buying-process","category-research-analysis"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Are Online Mortgage Lenders Cheaper on Closing Costs? Here&#039;s what costs actually varies by lender, what doesn&#039;t, and how to compare it yourself.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"George Paul\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/tomo.com\/blog\/online-mortgage-closing-costs-by-lender-type\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.10\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Tomo Mortgage | Reports - Tomo Reports - Mortgage Tips &amp; Real Estate Trends\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Are Online Mortgage Lenders Cheaper on Closing Costs?\" \/>\n\t\t<meta property=\"og:description\" content=\"Are Online Mortgage Lenders Cheaper on Closing Costs? 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