Bellefontaine Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Bellefontaine averaged
6.87%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.9% and
one month ago for the week of 2025-05-15, the
average rate was 6.77%.
Bellefontaine's average rate one year ago was 7.31%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.81%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Bellefontaine 30 Year Fixed Rate | 2025-06-18 | 6.87% |
| Bellefontaine 30 Year Fixed Rate Refi | 2025-06-18 | 6.81% |
| Bellefontaine 15 Year Fixed Rate | 2025-06-18 | 6.16% |
| Bellefontaine 15 Year Fixed Rate Refi | 2025-06-18 | 6.56% |
| Bellefontaine 30 Year FHA | 2025-06-18 | -0.11% |
| Bellefontaine 30 Year FHA Refi | 2025-06-18 | -0.1% |
| Bellefontaine 30 Year USDA | 2025-06-18 | -0.1% |
| Bellefontaine 30 Year USDA Refi | 2025-06-18 | -0.1% |
| Bellefontaine 30 Year VA | 2025-06-18 | 0.1% |
| Bellefontaine 30 Year VA Refi | 2025-06-18 | -0.2% |
Bellefontaine Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Bellefontaine, OH market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Bellefontaine Average Closing Costs & Other Stats
Bellefontaine, OH's 75 lenders originated 958
loans during 2024. The total origination value was $172,530,000, with an average loan value of
$180,094.
Bellefontaine's average closing costs are $4,885.
The top Bellefontaine lender as defined by loan originations is The Huntington National Bank, with
33 loans originated. Their average total fees are
$4,865, which is $1,309
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Bellefontaine lenders (with over 10 loans originated) are
The Huntington National Bank ($4,865), HOWARD HANNA FINANCIAL SERVICES, INC. ($5,188), UNITED WHOLESALE MORTGAGE, LLC ($5,716), QUICKEN LOANS, LLC ($6,174) and CROSSCOUNTRY MORTGAGE, LLC ($6,432).
The lowest rate Bellefontaine lenders (with over 10 loans originated) are
The Huntington National Bank (6.79%), QUICKEN LOANS, LLC (6.84%), UNITED WHOLESALE MORTGAGE, LLC (6.93%), HOWARD HANNA FINANCIAL SERVICES, INC. (6.99%) and CROSSCOUNTRY MORTGAGE, LLC (7.09%).
Bellefontaine, OH Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| The Huntington National Bank | $16,040,000 | $21,095,000 | 31.5% | 12.2% |
| QUICKEN LOANS, LLC | $8,230,000 | $10,375,000 | 26.1% | 6.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $5,790,000 | $8,450,000 | 45.9% | 4.9% |
| HONDA Federal Credit Union | $7,100,000 | $8,000,000 | 12.7% | 4.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $6,650,000 | $7,615,000 | 14.5% | 4.4% |
| Heartland Bank | $5,200,000 | n/a | 3.0% | |
| Mortgage Research Center, LLC | $3,320,000 | $5,070,000 | 52.7% | 2.9% |
| UNION HOME MORTGAGE CORP. | $9,515,000 | $4,990,000 | -47.6% | 2.9% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $605,000 | $4,805,000 | 694.2% | 2.8% |
| KEMBA FINANCIAL | $2,485,000 | $4,500,000 | 81.1% | 2.6% |
| PENNYMAC LOAN SERVICES, LLC | $1,065,000 | $3,655,000 | 243.2% | 2.1% |
| The Middlefield Banking Company | $3,250,000 | $3,395,000 | 4.5% | 2.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $695,000 | $3,385,000 | 387.1% | 2.0% |
| Superior Credit Union, Inc. | $3,545,000 | $3,345,000 | -5.6% | 1.9% |
| WRIGHT-PATT CREDIT UNION, INC. | $3,790,000 | $2,985,000 | -21.2% | 1.7% |
| JPMorgan Chase Bank | $2,055,000 | $2,845,000 | 38.4% | 1.6% |
| NFM, INC. | $1,675,000 | $2,700,000 | 61.2% | 1.6% |
| RUOFF MORTGAGE COMPANY, INC. | $2,495,000 | $2,490,000 | -0.2% | 1.4% |
| Farm Credit Mid-America, ACA | $5,210,000 | $2,440,000 | -53.2% | 1.4% |
| HOMESIDE FINANCIAL, LLC | $1,180,000 | $2,365,000 | 100.4% | 1.4% |
| Union Savings Bank | $3,540,000 | $2,250,000 | -36.4% | 1.3% |
| LOANDEPOT.COM, LLC | $1,475,000 | $1,950,000 | 32.2% | 1.1% |
| The Richwood Banking Company | $1,695,000 | $1,900,000 | 12.1% | 1.1% |
| NEWREZ LLC | $2,330,000 | $1,815,000 | -22.1% | 1.1% |
| Fifth Third Bank | $2,875,000 | $1,800,000 | -37.4% | 1.0% |
| Civista Bank | $2,035,000 | $1,580,000 | -22.4% | 0.9% |
| NAVY FEDERAL CREDIT UNION | $405,000 | $1,400,000 | 245.7% | 0.8% |
| Cornerstone First Mortgage, Inc | $1,300,000 | n/a | 0.8% | |
| PNC Bank | $1,650,000 | $1,275,000 | -22.7% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $725,000 | $1,260,000 | 73.8% | 0.7% |
| Flagstar Bank, FSB | $670,000 | $1,215,000 | 81.3% | 0.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,160,000 | $1,200,000 | 3.4% | 0.7% |
| GSF Mortgage Corporation | $610,000 | $1,170,000 | 91.8% | 0.7% |
| Third Federal Savings and Loan Association of Cleveland | $1,785,000 | $1,150,000 | -35.6% | 0.7% |
| The Union Bank Company | $1,220,000 | $1,120,000 | -8.2% | 0.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $485,000 | $1,100,000 | 126.8% | 0.6% |
| BROKER SOLUTIONS, INC. | $105,000 | $1,060,000 | 909.5% | 0.6% |
| RAPID MORTGAGE COMPANY | $655,000 | $1,060,000 | 61.8% | 0.6% |
| T2 FINANCIAL LLC | $265,000 | $1,000,000 | 277.4% | 0.6% |
| BMI Federal Credit Union | $430,000 | $990,000 | 130.2% | 0.6% |
| THE EQUITABLE MORTGAGE CORPORATION | $665,000 | $905,000 | 36.1% | 0.5% |
| LENDINGHOME FUNDING CORPORATION | $420,000 | $845,000 | 101.2% | 0.5% |
| The Park National Bank | $695,000 | $820,000 | 18.0% | 0.5% |
| Stifel Bank and Trust | $805,000 | n/a | 0.5% | |
| GUARANTEED RATE AFFINITY, LLC | $785,000 | n/a | 0.5% | |
| POLARIS HOME FUNDING CORP. | $330,000 | $740,000 | 124.2% | 0.4% |
| Carrington Mortgage Services, LLC | $730,000 | n/a | 0.4% | |
| WesBanco | $635,000 | $720,000 | 13.4% | 0.4% |
| First Financial Bank | $880,000 | $715,000 | -18.8% | 0.4% |
| Paramount Residential Mortgage Group, Inc. | $615,000 | n/a | 0.4% | |
| 1ST SIGNATURE LENDING, LLC | $585,000 | n/a | 0.3% | |
| VILLAGE CAPITAL MORTGAGE | $390,000 | $560,000 | 43.6% | 0.3% |
| U.S. Bank | $445,000 | $550,000 | 23.6% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $540,000 | n/a | 0.3% | |
| NEW DAY FINANCIAL, LLC | $450,000 | $525,000 | 16.7% | 0.3% |
| FIRST COMMUNITY MORTGAGE, INC. | $515,000 | n/a | 0.3% | |
| Fidelity Federal Savings and Loan Association | $125,000 | $505,000 | 304.0% | 0.3% |
| First Bank Richmond | $145,000 | $495,000 | 241.4% | 0.3% |
| First National Bank of Pennsylvania | $495,000 | n/a | 0.3% | |
| Cf Bank | $1,620,000 | $465,000 | -71.3% | 0.3% |
| 21ST MORTGAGE CORPORATION | $345,000 | $460,000 | 33.3% | 0.3% |
| NATIONS RELIABLE LENDING, LLC | $460,000 | n/a | 0.3% | |
| GUARANTEED RATE, INC. | $440,000 | $455,000 | 3.4% | 0.3% |
| HOMEXPRESS MORTGAGE CORP. | $455,000 | n/a | 0.3% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $450,000 | n/a | 0.3% | |
| KeyBank | $265,000 | $420,000 | 58.5% | 0.2% |
| The Federal Savings Bank | $385,000 | $385,000 | 0.0% | 0.2% |
| TOP FLITE FINANCIAL, INC. | $145,000 | $385,000 | 165.5% | 0.2% |
| New Carlisle Federal Savings Bank | $380,000 | n/a | 0.2% | |
| Pathways Financial Credit Union, Inc. | $500,000 | $360,000 | -28.0% | 0.2% |
| KS StateBank | $355,000 | n/a | 0.2% | |
| Hometown Equity Mortgage, LLC | $350,000 | n/a | 0.2% | |
| Wells Fargo Bank | $350,000 | n/a | 0.2% | |
| HOMESPIRE MORTGAGE CORPORATION | $345,000 | n/a | 0.2% | |
| Presidential Bank, FSB | $345,000 | n/a | 0.2% | |
| TRIAD FINANCIAL SERVICES, INC. | $430,000 | $340,000 | -20.9% | 0.2% |
| Figure Lending LLC | $320,000 | n/a | 0.2% | |
| FIRST OHIO HOME FINANCE, INC. | $315,000 | n/a | 0.2% | |
| J. VIRGIL, INC. | $305,000 | n/a | 0.2% | |
| First Merchants Bank | $300,000 | n/a | 0.2% | |
| IH CREDIT UNION, INC. | $255,000 | $300,000 | 17.6% | 0.2% |
| CARDINAL FINANCIAL | $775,000 | $295,000 | -61.9% | 0.2% |
| CENTURY | $285,000 | n/a | 0.2% | |
| Northpointe Bank | $285,000 | n/a | 0.2% | |
| Citizens Bank | $205,000 | $270,000 | 31.7% | 0.2% |
| United Bank | $265,000 | n/a | 0.2% | |
| Coastal Community Bank | $255,000 | n/a | 0.1% | |
| Mr. Cooper ( Nationstar Mortgage ) | $760,000 | $250,000 | -67.1% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $205,000 | $245,000 | 19.5% | 0.1% |
| First Federal Community Bank of Bucyrus | $1,495,000 | $240,000 | -83.9% | 0.1% |
| Nations Lending Corporation | $145,000 | $230,000 | 58.6% | 0.1% |
| HALLMARK HOME MORTGAGE, LLC | $225,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $215,000 | n/a | 0.1% | |
| VERITAS FUNDING, LLC | $215,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $205,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $205,000 | n/a | 0.1% | |
| DESCO | $205,000 | n/a | 0.1% | |
| LOANPAL, LLC | $360,000 | $205,000 | -43.1% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $570,000 | $205,000 | -64.0% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $650,000 | $200,000 | -69.2% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $195,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $195,000 | n/a | 0.1% | |
| LIMA ONE CAPITAL, LLC | $190,000 | n/a | 0.1% | |
| First Federal Bank of the Midwest | $180,000 | $185,000 | 2.8% | 0.1% |
| GUILD MORTGAGE COMPANY | $185,000 | n/a | 0.1% | |
| LIBERTY HOME MORTGAGE CORPORATION | $220,000 | $185,000 | -15.9% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $185,000 | $185,000 | 0.0% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $180,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $95,000 | $175,000 | 84.2% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $165,000 | n/a | 0.1% | |
| GENEVA FINANCIAL, LLC | $165,000 | n/a | 0.1% | |
| STAR Financial Bank | $165,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $155,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $310,000 | $155,000 | -50.0% | 0.1% |
| First Federal Savings and Loan Association of Lakewood | $55,000 | $155,000 | 181.8% | 0.1% |
| PLANET HOME LENDING, LLC | $205,000 | $155,000 | -24.4% | 0.1% |
| SOUTHWEST FUNDING, LP | $145,000 | n/a | 0.1% | |
| Fremont Federal Credit Union | $125,000 | n/a | 0.1% | |
| Morgan Stanley Private Bank | $125,000 | n/a | 0.1% | |
| American Airlines Federal Credit Union | $205,000 | $115,000 | -43.9% | 0.1% |
| Peoples Bank | $255,000 | $115,000 | -54.9% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $105,000 | n/a | 0.1% | |
| The State Bank and Trust Company | $305,000 | $105,000 | -65.6% | 0.1% |
| Discover Bank | $240,000 | $100,000 | -58.3% | 0.1% |
| PHH Mortgage Corporation | $85,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $65,000 | n/a | 0.0% | |
| AMERISAVE MORTGAGE CORPORATION | $45,000 | n/a | 0.0% | |
| BRIDGE | $105,000 | $35,000 | -66.7% | 0.0% |
| UNIVERSAL 1 CREDIT UNION | $65,000 | $35,000 | -46.2% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $25,000 | n/a | 0.0% | |
| CME Federal Credit Union | $545,000 | $15,000 | -97.2% | 0.0% |
Bellefontaine's top lender by overall market share is The Huntington National Bank, with 12.2% market share. In second place, with 6.0%, is QUICKEN LOANS, LLC, having originated $10,375,000 in loans. In third place, with 4.9%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $8,450,000 in loans. In fourth place, with 4.6%, is HONDA Federal Credit Union, having originated $8,000,000 in loans. In fifth place, with 4.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $7,615,000 in loans.
Bellefontaine, OH Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 462 | $109,270,000 | $236,515 |
| Cash Out Refi | 200 | $27,820,000 | $139,100 |
| Home Improvement | 104 | $8,100,000 | $77,885 |
| Refi | 102 | $19,570,000 | $191,863 |
| Other | 90 | $7,770,000 | $86,333 |
Bellefontaine's most frequently cited loan purpose was Home Purchase, with 462 originations. The 2nd most popular reason was Cash Out Refi, with 200 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 333 | $70,765,000 | $212,508 |
| 7-8% | 265 | $50,905,000 | $192,094 |
| Over 8% | 224 | $20,060,000 | $89,554 |
| 5-6% | 94 | $23,350,000 | $248,404 |
| <2.5% | 6 | $40,000 | $6,667 |
| 4-5% | 3 | $845,000 | $281,667 |
During 2024, Bellefontaine's most frequently originated rate bucket was 6-7%, with 333 originations.
Loan Sizing (Bellefontaine, OH MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 332 | $49,820,000 | $150,060 |
| $200k-400k | 293 | $77,815,000 | $265,580 |
| $100,000 or less | 286 | $15,430,000 | $53,951 |
| $400k-600k | 37 | $17,295,000 | $467,432 |
| $600k-1000k | 8 | $6,030,000 | $753,750 |
| $Over $1MM | 2 | $6,140,000 | $3,070,000 |
Bellefontaine's loan sizing saw the bucket of loans from $100k-200k with 332 originations, totaling $49,820,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 358 | $85,680,000 | $239,330 |
| 20-40% | 167 | $16,015,000 | $95,898 |
| 60-80% | 161 | $38,185,000 | $237,174 |
| Under 20% | 117 | $4,565,000 | $39,017 |
| 40-60% | 94 | $14,450,000 | $153,723 |
| Over 100% | 11 | $3,175,000 | $288,636 |
Bellefontaine's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 358 originations, totaling $85,680,000 in origination value.