Celina Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Celina averaged 7% 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 6.93% and one month ago for the week of 2025-05-15, the average rate was 7%.

Celina's average rate one year ago was 6.84%.

For refis of the same type during the week of 2025-06-18, the average rate was 7.41%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Celina 30 Year Fixed Rate 2025-06-18 7%
Celina 30 Year Fixed Rate Refi 2025-06-18 7.41%
Celina 15 Year Fixed Rate 2025-06-18 6.06%
Celina 15 Year Fixed Rate Refi 2025-06-18 5.86%
Celina 30 Year FHA 2025-06-18 -0.1%
Celina 30 Year FHA Refi 2025-06-18 0%
Celina 30 Year USDA 2025-06-18 0%
Celina 30 Year USDA Refi 2025-06-18 0.2%
Celina 30 Year VA 2025-06-18 -0.1%
Celina 30 Year VA Refi 2025-06-18 -0.1%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Celina, OH.

Celina 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 Celina, 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.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Superior Credit Union, Inc. 33 6.67% $3,121
QUICKEN LOANS, LLC 13 6.79% $6,609
First Financial Bank 13 6.99% $3,955
Minster Bank 11 6.88% $2,191
U.S. Bank 8 6.66% $3,854
Farm Credit Mid-America, ACA 6 7.21% $7,126
JPMorgan Chase Bank 5 7.20% $3,940
The Citizens National Bank of Bluffton 5 7.08% $3,147
Three Rivers Federal Credit Union 4 6.75% $3,674
The Park National Bank 4 6.78% $3,625
WRIGHT-PATT CREDIT UNION, INC. 4 6.09% $6,186
CROSSCOUNTRY MORTGAGE, LLC 3 7.05% $5,914
The Federal Savings Bank 3 7.04% $4,437
HOMESIDE FINANCIAL, LLC 2 7.12% $3,819
Fifth Third Bank 2 7.00% $2,609
The Farmers & Merchants State Bank 2 7.00% $3,048
ROYAL UNITED MORTGAGE LLC 2 6.88% $8,274
The Union Bank Company 1 6.75% $3,502
NEWREZ LLC 1 6.99% $2,551
Carrington Mortgage Services, LLC 1 6.75% $4,014
DAS Acquisition Company, LLC 1 7.50% $4,463
First Federal Bank of the Midwest 1 6.88% $3,591
GENEVA FINANCIAL, LLC 1 6.63% $6,951
GUARANTEED RATE, INC. 1 5.99% $4,113
HONDA Federal Credit Union 1 6.38% $6,240
LAKE MICHIGAN CREDIT UNION 1 6.00% $2,593
LOANPAL, LLC 1 7.50% $6,310
MORTGAGE ACCESS CORP. 1 7.38% $5,758
BROKER SOLUTIONS, INC. 1 7.88% $8,996
PENNYMAC LOAN SERVICES, LLC 1 7.25% $4,804
RUOFF MORTGAGE COMPANY, INC. 1 7.00% $4,637
SIRVA MORTGAGE, INC. 1 7.13% $2,196
SUPERIOR FINANCIAL SOLUTIONS, LLC 1 7.00% $3,392
The Farmers National Bank of Canfield 1 6.50% $3,571
The State Bank and Trust Company 1 6.50% $2,957

Celina Average Closing Costs & Other Stats

Celina, OH's 35 lenders originated 407 loans during 2024. The total origination value was $66,095,000, with an average loan value of $162,396.

Celina's average closing costs are $4,256.

The top Celina lender as defined by loan originations is Superior Credit Union, Inc., with 33 loans originated. Their average total fees are $3,121, which is $3,488 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Celina lenders (with over 10 loans originated) are Minster Bank ($2,191), Superior Credit Union, Inc. ($3,121), First Financial Bank ($3,955), QUICKEN LOANS, LLC ($6,609) and .

The lowest rate Celina lenders (with over 10 loans originated) are Superior Credit Union, Inc. (6.67%), QUICKEN LOANS, LLC (6.79%), Minster Bank (6.88%), First Financial Bank (6.99%) and .

Celina, 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
Superior Credit Union, Inc. $10,955,000 $10,410,000 -5.0% 15.8%
First Financial Bank $6,725,000 $8,810,000 31.0% 13.3%
QUICKEN LOANS, LLC $2,490,000 $4,600,000 84.7% 7.0%
Minster Bank $2,760,000 $4,165,000 50.9% 6.3%
Farm Credit Mid-America, ACA $4,110,000 $3,370,000 -18.0% 5.1%
Mortgage Research Center, LLC $2,045,000 $3,210,000 57.0% 4.9%
The Citizens National Bank of Bluffton $1,305,000 $2,475,000 89.7% 3.7%
U.S. Bank $800,000 $2,240,000 180.0% 3.4%
The Park National Bank $5,460,000 $1,820,000 -66.7% 2.8%
CROSSCOUNTRY MORTGAGE, LLC $1,760,000 $1,760,000 0.0% 2.7%
UNITED WHOLESALE MORTGAGE, LLC $705,000 $1,630,000 131.2% 2.5%
First Bank of Berne $935,000 $1,265,000 35.3% 1.9%
WRIGHT-PATT CREDIT UNION, INC. $375,000 $1,265,000 237.3% 1.9%
JPMorgan Chase Bank $1,435,000 $1,255,000 -12.5% 1.9%
Three Rivers Federal Credit Union $545,000 $840,000 54.1% 1.3%
Carrington Mortgage Services, LLC $510,000 $750,000 47.1% 1.1%
NEWREZ LLC $1,580,000 $745,000 -52.8% 1.1%
The Farmers & Merchants State Bank $215,000 $710,000 230.2% 1.1%
HONDA Federal Credit Union $305,000 $690,000 126.2% 1.0%
The Huntington National Bank $740,000 $655,000 -11.5% 1.0%
The Farmers State Bank $265,000 $645,000 143.4% 1.0%
LOANDEPOT.COM, LLC $570,000 $530,000 -7.0% 0.8%
PENNYMAC LOAN SERVICES, LLC $280,000 $525,000 87.5% 0.8%
Fifth Third Bank $675,000 $510,000 -24.4% 0.8%
GUARANTEED RATE, INC. $530,000 $470,000 -11.3% 0.7%
NEW DAY FINANCIAL, LLC $465,000 n/a 0.7%
RUOFF MORTGAGE COMPANY, INC. $475,000 $450,000 -5.3% 0.7%
SUPERIOR FINANCIAL SOLUTIONS, LLC $300,000 $450,000 50.0% 0.7%
Greenville National Bank $465,000 $415,000 -10.8% 0.6%
Servion, Inc. $845,000 $380,000 -55.0% 0.6%
POLARIS HOME FUNDING CORP. $675,000 $365,000 -45.9% 0.6%
The Federal Savings Bank $330,000 n/a 0.5%
BROKER SOLUTIONS, INC. $305,000 n/a 0.5%
AMERICAN PACIFIC MORTGAGE CORPORATION $295,000 n/a 0.4%
HOMESIDE FINANCIAL, LLC $250,000 $280,000 12.0% 0.4%
USAA Federal Savings Bank $275,000 n/a 0.4%
FREEDOM MORTGAGE CORPORATION $290,000 $255,000 -12.1% 0.4%
SIRVA MORTGAGE, INC. $255,000 n/a 0.4%
ROYAL UNITED MORTGAGE LLC $240,000 n/a 0.4%
New Carlisle Federal Savings Bank $225,000 n/a 0.3%
Flagstar Bank, FSB $220,000 n/a 0.3%
UNITED $215,000 n/a 0.3%
TOP FLITE FINANCIAL, INC. $255,000 $205,000 -19.6% 0.3%
Barrington Bank & Trust Company, N.A. $195,000 $195,000 0.0% 0.3%
LIBERTY HOME MORTGAGE CORPORATION $315,000 $195,000 -38.1% 0.3%
First Federal Bank of the Midwest $165,000 $185,000 12.1% 0.3%
GENEVA FINANCIAL, LLC $185,000 n/a 0.3%
CMG MORTGAGE, INC. $175,000 n/a 0.3%
The State Bank and Trust Company $385,000 $175,000 -54.5% 0.3%
Discover Bank $75,000 $165,000 120.0% 0.2%
SPRING EQ, LLC $165,000 n/a 0.2%
Bank of America $155,000 n/a 0.2%
Northwest Bank $155,000 n/a 0.2%
The Farmers National Bank of Canfield $155,000 n/a 0.2%
MYCUMORTGAGE, LLC $290,000 $145,000 -50.0% 0.2%
PLAZA HOME MORTGAGE, INC. $145,000 n/a 0.2%
First Merchants Bank $130,000 n/a 0.2%
A&D Mortgage LLC $125,000 n/a 0.2%
MORTGAGE ACCESS CORP. $125,000 n/a 0.2%
LOANPAL, LLC $105,000 n/a 0.2%
STOCKTON MORTGAGE CORPORATION $105,000 n/a 0.2%
FIRST OHIO HOME FINANCE, INC. $285,000 $85,000 -70.2% 0.1%
Merchants Mortgage & Trust Corporation $85,000 n/a 0.1%
NAVY FEDERAL CREDIT UNION $85,000 n/a 0.1%
WesBanco $85,000 n/a 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $75,000 n/a 0.1%
The Union Bank Company $285,000 $75,000 -73.7% 0.1%
Figure Lending LLC $25,000 $65,000 160.0% 0.1%
Heartland Bank $65,000 n/a 0.1%
LAKE MICHIGAN CREDIT UNION $65,000 n/a 0.1%
PNC Bank $65,000 n/a 0.1%
DAS Acquisition Company, LLC $255,000 $55,000 -78.4% 0.1%
AG Credit, Agricultural Credit Association $45,000 n/a 0.1%
Coastal Community Bank $170,000 $35,000 -79.4% 0.1%
AMERISAVE MORTGAGE CORPORATION $105,000 $25,000 -76.2% 0.0%

Celina's top lender by overall market share is Superior Credit Union, Inc., with 15.8% market share. In second place, with 13.3%, is First Financial Bank, having originated $8,810,000 in loans. In third place, with 7.0%, is QUICKEN LOANS, LLC, having originated $4,600,000 in loans. In fourth place, with 6.3%, is Minster Bank, having originated $4,165,000 in loans. In fifth place, with 5.1%, is Farm Credit Mid-America, ACA, having originated $3,370,000 in loans.

Celina, OH Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 195 $38,615,000 $198,026
Other 70 $5,780,000 $82,571
Cash Out Refi 63 $10,495,000 $166,587
Home Improvement 47 $4,705,000 $100,106
Refi 32 $6,500,000 $203,125

Celina's most frequently cited loan purpose was Home Purchase, with 195 originations. The 2nd most popular reason was Other, with 70 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 201 $35,755,000 $177,886
7-8% 85 $14,145,000 $166,412
Over 8% 68 $5,930,000 $87,206
5-6% 30 $6,240,000 $208,000
<2.5% 3 $35,000 $11,667
4-5% 3 $905,000 $301,667
3-4% 2 $210,000 $105,000

During 2024, Celina's most frequently originated rate bucket was 6-7%, with 201 originations.

Loan Sizing (Celina, OH MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 153 $23,315,000 $152,386
$100,000 or less 146 $8,350,000 $57,192
$200k-400k 86 $23,330,000 $271,279
$400k-600k 18 $8,270,000 $459,444
$600k-1000k 4 $2,830,000 $707,500

Celina's loan sizing saw the bucket of loans from $100k-200k with 153 originations, totaling $23,315,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 129 $26,235,000 $203,372
60-80% 96 $21,000,000 $218,750
Under 20% 60 $2,430,000 $40,500
20-40% 58 $5,750,000 $99,138
40-60% 40 $5,890,000 $147,250
Over 100% 5 $1,145,000 $229,000

Celina's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 129 originations, totaling $26,235,000 in origination value.