Celina Mortgage Rates & Closing Costs
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% |
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.).
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.