Defiance Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Defiance averaged 6.92% for the week of 2025-05-22, compared to the national average of 6.86% for the same period.

    The average rate for the prior week (2025-05-15) was 6.67% and one month ago for the week of 2025-04-17, the average rate was 6.99%.

    Defiance's average rate one year ago was 7.08%.

    For refis of the same type during the week of 2025-05-22, the average rate was 7.46%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-05-22 6.86%
    Defiance 30 Year Fixed Rate 2025-05-22 6.92%
    Defiance 30 Year Fixed Rate Refi 2025-05-22 7.46%
    Defiance 15 Year Fixed Rate 2025-05-22 5.91%
    Defiance 15 Year Fixed Rate Refi 2025-05-22 5.91%
    Defiance 30 Year FHA 2025-05-22 6.41%
    Defiance 30 Year FHA Refi 2025-05-22 6.61%
    Defiance 30 Year USDA 2025-05-22 6.53%
    Defiance 30 Year USDA Refi 2025-05-22 6.63%
    Defiance 30 Year VA 2025-05-22 6.72%
    Defiance 30 Year VA Refi 2025-05-22 6.62%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Defiance, OH.

    Defiance 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 Defiance, 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
    First Federal Bank of the Midwest 39 6.70% $3,469
    The State Bank and Trust Company 39 6.49% $4,333
    The Huntington National Bank 33 6.75% $3,612
    The Farmers & Merchants State Bank 28 6.65% $3,292
    QUICKEN LOANS, LLC 10 6.60% $5,665
    Fifth Third Bank 7 7.23% $2,898
    CROSSCOUNTRY MORTGAGE, LLC 6 7.09% $5,601
    The Citizens National Bank of Bluffton 6 6.94% $2,887
    Three Rivers Federal Credit Union 6 6.75% $3,062
    Superior Credit Union, Inc. 5 6.98% $4,592
    UNITED WHOLESALE MORTGAGE, LLC 4 6.50% $7,311
    Civista Bank 4 6.56% $4,054
    LOANDEPOT.COM, LLC 3 6.83% $5,940
    EQUITY RESOURCES, INC. 3 7.13% $2,572
    Wells Fargo Bank 2 6.63% $5,178
    UNION HOME MORTGAGE CORP. 2 7.31% $6,309
    MIDWEST AMERICA 2 7.19% $3,755
    JPMorgan Chase Bank 2 6.93% $4,886
    HOWARD HANNA FINANCIAL SERVICES, INC. 2 7.44% $5,141
    DAS Acquisition Company, LLC 2 6.75% $4,658
    PENNYMAC LOAN SERVICES, LLC 1 6.99% $5,733
    PLAZA HOME MORTGAGE, INC. 1 7.13% $4,014
    The Union Bank Company 1 6.63% $3,620
    U.S. Bank 1 6.50% $3,148
    ZILLOW HOME LOANS, LLC 1 7.63% $8,076
    Mortgage Research Center, LLC 1 7.13% $1,728
    BEACON CREDIT UNION 1 7.13% $2,455
    BROKER SOLUTIONS, INC. 1 6.88% $6,482
    CALCON MUTUAL MORTGAGE LLC 1 6.99% $3,773
    Century Mortgage Company DBA Century Lending Company 1 5.99% $6,983
    CHURCHILL MORTGAGE CORPORATION 1 6.38% $3,669
    Directions Credit Union, Inc. 1 7.00% $1,594
    Discover Bank 1 7.07% $0
    Dollar Bank, Federal Savings Bank 1 7.00% $5,623
    ENDEAVOR CAPITAL, LLC. 1 6.38% $5,141
    First Federal Savings and Loan Association of Delta 1 7.00% $2,339
    First National Bank of America 1 10.38% $8,879
    First National Bank of Pennsylvania 1 7.63% $5,517
    GSF Mortgage Corporation 1 6.99% $4,500
    GUARANTEED RATE, INC. 1 6.48% $4,517
    Ixonia Bank 1 6.63% $2,914
    KeyBank 1 7.25% $2,836
    Bankers' Bank 1 6.00% $2,616
    NAVY FEDERAL CREDIT UNION 1 7.00% $2,089
    NFM, INC. 1 7.63% $3,992

    Defiance Average Closing Costs & Other Stats

    Defiance, OH's 45 lenders originated 689 loans during 2024. The total origination value was $95,565,000, with an average loan value of $138,701.

    Defiance's average closing costs are $4,078.

    The top Defiance lender as defined by loan originations is First Federal Bank of the Midwest, with 39 loans originated. Their average total fees are $3,469, which is $864 lower than the next largest lender, The State Bank and Trust Company.

    The lowest fee Defiance lenders (with over 10 loans originated) are The Farmers & Merchants State Bank ($3,292), First Federal Bank of the Midwest ($3,469), The Huntington National Bank ($3,612), The State Bank and Trust Company ($4,333) and QUICKEN LOANS, LLC ($5,665).

    The lowest rate Defiance lenders (with over 10 loans originated) are The State Bank and Trust Company (6.49%), QUICKEN LOANS, LLC (6.60%), The Farmers & Merchants State Bank (6.65%), First Federal Bank of the Midwest (6.70%) and The Huntington National Bank (6.75%).

    Defiance, 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
    First Federal Bank of the Midwest $13,135,000 $12,735,000 -3.0% 13.3%
    The State Bank and Trust Company $11,320,000 $12,295,000 8.6% 12.9%
    The Huntington National Bank $12,025,000 $11,005,000 -8.5% 11.5%
    The Farmers & Merchants State Bank $6,295,000 $6,945,000 10.3% 7.3%
    QUICKEN LOANS, LLC $4,715,000 $5,825,000 23.5% 6.1%
    The Citizens National Bank of Bluffton $5,250,000 $3,990,000 -24.0% 4.2%
    CROSSCOUNTRY MORTGAGE, LLC $4,040,000 $3,820,000 -5.4% 4.0%
    UNITED WHOLESALE MORTGAGE, LLC $1,195,000 $3,305,000 176.6% 3.5%
    Mortgage Research Center, LLC $1,805,000 $2,525,000 39.9% 2.6%
    Superior Credit Union, Inc. $3,170,000 $2,390,000 -24.6% 2.5%
    The Sherwood State Bank $3,590,000 $2,210,000 -38.4% 2.3%
    Fifth Third Bank $1,255,000 $2,035,000 62.2% 2.1%
    Three Rivers Federal Credit Union $1,455,000 $1,455,000 0.0% 1.5%
    LOANDEPOT.COM, LLC $305,000 $1,155,000 278.7% 1.2%
    Civista Bank $990,000 $1,120,000 13.1% 1.2%
    NAVY FEDERAL CREDIT UNION $280,000 $1,055,000 276.8% 1.1%
    AG Credit, Agricultural Credit Association $845,000 n/a 0.9%
    BROKER SOLUTIONS, INC. $635,000 $795,000 25.2% 0.8%
    MIDWEST AMERICA $25,000 $780,000 3,020.0% 0.8%
    EQUITY RESOURCES, INC. $500,000 $775,000 55.0% 0.8%
    NEWREZ LLC $460,000 $745,000 62.0% 0.8%
    Paramount Residential Mortgage Group, Inc. $745,000 n/a 0.8%
    NEW DAY FINANCIAL, LLC $530,000 $675,000 27.4% 0.7%
    POLARIS HOME FUNDING CORP. $825,000 $480,000 -41.8% 0.5%
    HOWARD HANNA FINANCIAL SERVICES, INC. $730,000 $475,000 -34.9% 0.5%
    KeyBank $575,000 $450,000 -21.7% 0.5%
    Wells Fargo Bank $340,000 $450,000 32.4% 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $330,000 $435,000 31.8% 0.5%
    GUARANTEED RATE, INC. $95,000 $420,000 342.1% 0.4%
    AMERICAN FINANCIAL NETWORK, INC. $400,000 n/a 0.4%
    DAS Acquisition Company, LLC $75,000 $390,000 420.0% 0.4%
    UNION HOME MORTGAGE CORP. $355,000 $375,000 5.6% 0.4%
    JPMorgan Chase Bank $895,000 $360,000 -59.8% 0.4%
    RUOFF MORTGAGE COMPANY, INC. $980,000 $360,000 -63.3% 0.4%
    Magnolia Bank $315,000 n/a 0.3%
    NFM, INC. $305,000 n/a 0.3%
    Hometown Equity Mortgage, LLC $300,000 n/a 0.3%
    VILLAGE CAPITAL MORTGAGE $275,000 n/a 0.3%
    NBKC BANK $265,000 n/a 0.3%
    Flagstar Bank, FSB $220,000 $255,000 15.9% 0.3%
    Third Federal Savings and Loan Association of Cleveland $250,000 n/a 0.3%
    FIRST OHIO HOME FINANCE, INC. $350,000 $245,000 -30.0% 0.3%
    HALLMARK HOME MORTGAGE, LLC $140,000 $245,000 75.0% 0.3%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $360,000 $245,000 -31.9% 0.3%
    TOP FLITE FINANCIAL, INC. $245,000 n/a 0.3%
    CARDINAL FINANCIAL $255,000 $235,000 -7.8% 0.2%
    First National Bank of America $235,000 n/a 0.2%
    The Federal Savings Bank $525,000 $235,000 -55.2% 0.2%
    First Commonwealth Bank $50,000 $230,000 360.0% 0.2%
    CMG MORTGAGE, INC. $225,000 n/a 0.2%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $215,000 n/a 0.2%
    ENDEAVOR CAPITAL, LLC. $210,000 n/a 0.2%
    Directions Credit Union, Inc. $205,000 n/a 0.2%
    MYCUMORTGAGE, LLC $205,000 n/a 0.2%
    Discover Bank $195,000 n/a 0.2%
    MOVEMENT MORTGAGE, LLC $195,000 $195,000 0.0% 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $105,000 $195,000 85.7% 0.2%
    The First National Bank of Pandora $195,000 n/a 0.2%
    ALLIED MORTGAGE GROUP, INC. $185,000 n/a 0.2%
    Century Mortgage Company DBA Century Lending Company $185,000 n/a 0.2%
    First Federal Savings and Loan Association of Delta $185,000 n/a 0.2%
    Ixonia Bank $185,000 n/a 0.2%
    ZILLOW HOME LOANS, LLC $205,000 $175,000 -14.6% 0.2%
    Dollar Bank, Federal Savings Bank $165,000 n/a 0.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,505,000 $165,000 -89.0% 0.2%
    First National Bank of Pennsylvania $165,000 n/a 0.2%
    Figure Lending LLC $115,000 $160,000 39.1% 0.2%
    CALCON MUTUAL MORTGAGE LLC $155,000 n/a 0.2%
    STOCKTON MORTGAGE CORPORATION $155,000 n/a 0.2%
    Bankers' Bank $145,000 n/a 0.2%
    The Union Bank Company $200,000 $145,000 -27.5% 0.2%
    PENNYMAC LOAN SERVICES, LLC $140,000 n/a 0.1%
    Farm Credit Mid-America, ACA $650,000 $135,000 -79.2% 0.1%
    Citizens Bank $155,000 $130,000 -16.1% 0.1%
    BEACON CREDIT UNION $350,000 $125,000 -64.3% 0.1%
    GSF Mortgage Corporation $125,000 n/a 0.1%
    U.S. Bank $35,000 $115,000 228.6% 0.1%
    Lake City Bank $105,000 n/a 0.1%
    Coastal Community Bank $240,000 $90,000 -62.5% 0.1%
    CHURCHILL MORTGAGE CORPORATION $215,000 $85,000 -60.5% 0.1%
    First Merchants Bank $345,000 $85,000 -75.4% 0.1%
    21ST MORTGAGE CORPORATION $120,000 $75,000 -37.5% 0.1%
    PLAZA HOME MORTGAGE, INC. $65,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $45,000 $65,000 44.4% 0.1%
    GREENSTATE CREDIT UNION $135,000 $55,000 -59.3% 0.1%
    SPRING EQ, LLC $55,000 n/a 0.1%
    WRIGHT-PATT CREDIT UNION, INC. $55,000 n/a 0.1%
    Transportation Federal Credit Union $45,000 n/a 0.0%
    TRIAD FINANCIAL SERVICES, INC. $45,000 $45,000 0.0% 0.0%
    AMERISAVE MORTGAGE CORPORATION $250,000 $35,000 -86.0% 0.0%
    INOVA FEDERAL CREDIT UNION $25,000 n/a 0.0%

    Defiance's top lender by overall market share is First Federal Bank of the Midwest, with 13.3% market share. In second place, with 12.9%, is The State Bank and Trust Company, having originated $12,295,000 in loans. In third place, with 11.5%, is The Huntington National Bank, having originated $11,005,000 in loans. In fourth place, with 7.3%, is The Farmers & Merchants State Bank, having originated $6,945,000 in loans. In fifth place, with 6.1%, is QUICKEN LOANS, LLC, having originated $5,825,000 in loans.

    Defiance Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Defiance (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $108,450 (27.7%) $159,013 (19.0%) 0.00 97
    2018-02-01 $103,600 (22.7%) $154,980 (9.7%) 0.00 83
    2018-03-01 $110,000 (26.4%) $150,182 (3.4%) 0.00 73
    2018-04-01 $108,450 (20.6%) $150,352 (-4.1%) 0.00 77
    2018-05-01 $101,200 (-16.8%) $150,172 (-2.5%) 0.00 79
    2018-06-01 $102,400 (-11.2%) $148,482 (-3.3%) 0.00 76
    2018-07-01 $117,150 (0.4%) $163,607 (9.2%) 0.00 78
    2018-08-01 $108,400 (-10.1%) $152,716 (-2.9%) 0.00 97
    2018-09-01 $110,000 (-4.7%) $150,282 (-1.5%) 0.00 107
    2018-10-01 $114,900 (-1.1%) $150,422 (-3.8%) 0.00 108
    2018-11-01 $120,925 (5.6%) $153,600 (-3.7%) 0.00 105
    2018-12-01 $127,900 (11.5%) $161,586 (1.6%) 0.00 93
    2019-01-01 $126,900 (17.0%) $164,338 (3.4%) 0.00 78
    2019-02-01 $129,950 (25.4%) $171,097 (10.4%) 0.00 67
    2019-03-01 $135,471 (23.2%) $176,016 (17.2%) 0.00 66
    2019-04-01 $139,471 (28.6%) $178,621 (18.8%) 0.00 61
    2019-05-01 $139,900 (38.2%) $179,652 (19.6%) 0.00 58
    2019-06-01 $119,900 (17.1%) $158,960 (7.1%) 0.00 76
    2019-07-01 $134,900 (15.2%) $159,407 (-2.6%) 0.00 82
    2019-08-01 $136,264 (25.7%) $161,270 (5.6%) 0.00 87
    2019-09-01 $138,309 (25.7%) $163,403 (8.7%) 0.00 88
    2019-10-01 $139,900 (21.8%) $164,500 (9.4%) 0.00 89
    2019-11-01 $132,500 (9.6%) $155,082 (1.0%) 0.00 105
    2019-12-01 $129,925 (1.6%) $159,710 (-1.2%) 0.00 96
    2020-01-01 $126,050 (-0.7%) $153,865 (-6.4%) 0.00 84
    2020-02-01 $125,000 (-3.8%) $149,156 (-12.8%) 0.00 70
    2020-03-01 $121,100 (-10.6%) $146,537 (-16.8%) 0.00 58
    2020-04-01 $127,750 (-8.4%) $157,958 (-11.6%) 0.00 54
    2020-05-01 $124,900 (-10.7%) $156,683 (-12.8%) 0.00 50
    2020-06-01 $143,650 (19.8%) $170,321 (7.2%) 0.00 46
    2020-07-01 $134,850 (0.0%) $184,998 (16.1%) 0.00 44
    2020-08-01 $147,450 (8.2%) $193,202 (19.8%) 0.00 46
    2020-09-01 $181,000 (30.9%) $215,492 (31.9%) 0.00 45
    2020-10-01 $155,000 (10.8%) $213,713 (29.9%) 0.00 50
    2020-11-01 $138,400 (4.5%) $188,612 (21.6%) 0.00 52
    2020-12-01 $129,900 (0.0%) $179,346 (12.3%) 0.00 42
    2021-01-01 $139,900 (11.0%) $199,371 (29.6%) 0.00 39
    2021-02-01 $129,400 (3.5%) $197,115 (32.2%) 0.00 31
    2021-03-01 $194,950 (61.0%) $230,991 (57.6%) 0.00 25
    2021-04-01 $151,450 (18.6%) $198,954 (26.0%) 0.00 24
    2021-05-01 $150,950 (20.9%) $184,562 (17.8%) 0.00 31
    2021-06-01 $151,750 (5.6%) $178,996 (5.1%) 0.00 37
    2021-07-01 $149,000 (10.5%) $178,189 (-3.7%) 0.00 34
    2021-08-01 $138,875 (-5.8%) $158,886 (-17.8%) 0.00 44
    2021-09-01 $142,700 (-21.2%) $154,893 (-28.1%) 0.00 52
    2021-10-01 $125,000 (-19.4%) $146,236 (-31.6%) 0.00 50
    2021-11-01 $120,650 (-12.8%) $149,034 (-21.0%) 0.00 55
    2021-12-01 $132,975 (2.4%) $157,357 (-12.3%) 0.00 54
    2022-01-01 $129,900 (-7.2%) $155,473 (-22.0%) 0.00 46
    2022-02-01 $145,225 (12.2%) $165,764 (-15.9%) 0.00 39
    2022-03-01 $147,400 (-24.4%) $173,128 (-25.1%) 0.00 30
    2022-04-01 $172,400 (13.8%) $206,123 (3.6%) 0.00 33
    2022-05-01 $159,900 (5.9%) $194,234 (5.2%) 0.00 41
    2022-06-01 $169,900 (12.0%) $184,295 (3.0%) 0.00 43
    2022-07-01 $159,900 (7.3%) $172,523 (-3.2%) 0.00 56
    2022-08-01 $159,875 (15.1%) $165,309 (4.0%) 0.00 57
    2022-09-01 $158,925 (11.4%) $164,591 (6.3%) 0.00 53
    2022-10-01 $149,950 (20.0%) $166,290 (13.7%) 0.00 45
    2022-11-01 $147,075 (21.9%) $172,785 (15.9%) 0.00 46
    2022-12-01 $149,900 (12.7%) $166,806 (6.0%) 0.00 43
    2023-01-01 $165,825 (27.7%) $173,488 (11.6%) 0.00 42
    2023-02-01 $173,725 (19.6%) $184,075 (11.1%) 0.00 36
    2023-03-01 $184,725 (25.3%) $203,726 (17.7%) 0.00 36
    2023-04-01 $164,950 (-4.3%) $204,382 (-0.8%) 0.00 36
    2023-05-01 $164,900 (3.1%) $208,520 (7.4%) 0.00 32
    2023-06-01 $174,575 (2.8%) $198,309 (7.6%) 0.00 32
    2023-07-01 $215,000 (34.5%) $232,920 (35.0%) 0.00 34
    2023-08-01 $224,450 (40.4%) $233,230 (41.1%) 0.00 34
    2023-09-01 $199,900 (25.8%) $210,200 (27.7%) 0.00 35
    2023-10-01 $192,200 (28.2%) $207,542 (24.8%) 0.00 42
    2023-11-01 $200,000 (36.0%) $221,648 (28.3%) 0.00 38
    2023-12-01 $193,900 (29.4%) $210,481 (26.2%) 0.00 39
    2024-01-01 $202,250 (22.0%) $214,937 (23.9%) 0.00 34
    2024-02-01 $209,000 (20.3%) $218,096 (18.5%) 0.00 27
    2024-03-01 $199,950 (8.2%) $217,806 (6.9%) 0.00 25
    2024-04-01 $179,975 (9.1%) $214,490 (5.0%) 0.00 30
    2024-05-01 $206,225 (25.1%) $231,253 (10.9%) 0.00 26
    2024-06-01 $186,750 (7.0%) $201,366 (1.5%) 0.00 26
    2024-07-01 $212,225 (-1.3%) $232,064 (-0.4%) 0.00 28
    2024-08-01 $209,900 (-6.5%) $230,887 (-1.0%) 0.00 40
    2024-09-01 $205,925 (3.0%) $224,738 (6.9%) 0.00 53
    2024-10-01 $194,450 (1.2%) $224,822 (8.3%) 0.00 51
    2024-11-01 $191,450 (-4.3%) $225,656 (1.8%) 0.00 53
    2024-12-01 $181,175 (-6.6%) $217,790 (3.5%) 0.00 48
    2025-01-01 $177,400 (-12.3%) $213,474 (-0.7%) 0.00 43
    2025-02-01 $183,650 (-12.1%) $220,924 (1.3%) 0.00 51
    2025-03-01 $194,700 (-2.6%) $221,211 (1.6%) 0.00 43
    2025-04-01 $207,400 (15.2%) $238,824 (11.4%) 0.00 39
    Defiance's median listing price for 2025-04-01 was $207,400, a difference of $27,425 (15.2%) versus the prior year and $12,700 versus the prior month.

    Defiance's median listing price comes in at 0% of the national average.

    Defiance's average listing price for 2025-04-01 was $238,824, a difference of $24,334 (11.4%) versus the prior year and $17,613 versus the prior month.

    For the 2025-04-01 period, Defiance had 39 MLS listings, a difference of -4 listings (-9%) versus the prior month and 9 listings (30%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Defiance (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,506 sqft
    2018-02-01 0 days 1,530 sqft
    2018-03-01 0 days 1,505 sqft
    2018-04-01 0 days 1,464 sqft
    2018-05-01 0 days 1,549 sqft
    2018-06-01 0 days 1,504 sqft
    2018-07-01 0 days 1,557 sqft
    2018-08-01 0 days 1,553 sqft
    2018-09-01 0 days 1,545 sqft
    2018-10-01 0 days 1,630 sqft
    2018-11-01 0 days 1,654 sqft
    2018-12-01 0 days 1,761 sqft
    2019-01-01 0 days 1,687 sqft
    2019-02-01 0 days 1,752 sqft
    2019-03-01 0 days 1,707 sqft
    2019-04-01 0 days 1,658 sqft
    2019-05-01 0 days 1,624 sqft
    2019-06-01 0 days 1,555 sqft
    2019-07-01 0 days 1,572 sqft
    2019-08-01 0 days 1,572 sqft
    2019-09-01 0 days 1,547 sqft
    2019-10-01 0 days 1,528 sqft
    2019-11-01 0 days 1,482 sqft
    2019-12-01 0 days 1,498 sqft
    2020-01-01 0 days 1,460 sqft
    2020-02-01 0 days 1,472 sqft
    2020-03-01 0 days 1,454 sqft
    2020-04-01 0 days 1,543 sqft
    2020-05-01 0 days 1,680 sqft
    2020-06-01 0 days 1,770 sqft
    2020-07-01 0 days 1,780 sqft
    2020-08-01 0 days 1,785 sqft
    2020-09-01 0 days 2,026 sqft
    2020-10-01 0 days 2,000 sqft
    2020-11-01 0 days 1,571 sqft
    2020-12-01 0 days 1,577 sqft
    2021-01-01 0 days 1,750 sqft
    2021-02-01 0 days 1,540 sqft
    2021-03-01 0 days 1,958 sqft
    2021-04-01 0 days 1,773 sqft
    2021-05-01 0 days 1,715 sqft
    2021-06-01 0 days 1,609 sqft
    2021-07-01 0 days 1,728 sqft
    2021-08-01 0 days 1,480 sqft
    2021-09-01 0 days 1,467 sqft
    2021-10-01 0 days 1,473 sqft
    2021-11-01 0 days 1,476 sqft
    2021-12-01 0 days 1,482 sqft
    2022-01-01 0 days 1,501 sqft
    2022-02-01 0 days 1,561 sqft
    2022-03-01 0 days 1,555 sqft
    2022-04-01 0 days 1,609 sqft
    2022-05-01 0 days 1,594 sqft
    2022-06-01 0 days 1,606 sqft
    2022-07-01 0 days 1,584 sqft
    2022-08-01 0 days 1,577 sqft
    2022-09-01 0 days 1,498 sqft
    2022-10-01 0 days 1,528 sqft
    2022-11-01 0 days 1,551 sqft
    2022-12-01 0 days 1,528 sqft
    2023-01-01 0 days 1,508 sqft
    2023-02-01 0 days 1,481 sqft
    2023-03-01 0 days 1,587 sqft
    2023-04-01 0 days 1,587 sqft
    2023-05-01 0 days 1,643 sqft
    2023-06-01 0 days 1,502 sqft
    2023-07-01 0 days 1,724 sqft
    2023-08-01 0 days 1,739 sqft
    2023-09-01 0 days 1,584 sqft
    2023-10-01 0 days 1,672 sqft
    2023-11-01 0 days 1,671 sqft
    2023-12-01 0 days 1,637 sqft
    2024-01-01 0 days 1,621 sqft
    2024-02-01 0 days 1,631 sqft
    2024-03-01 0 days 1,535 sqft
    2024-04-01 0 days 1,498 sqft
    2024-05-01 0 days 1,507 sqft
    2024-06-01 0 days 1,550 sqft
    2024-07-01 0 days 1,523 sqft
    2024-08-01 0 days 1,539 sqft
    2024-09-01 0 days 1,541 sqft
    2024-10-01 0 days 1,539 sqft
    2024-11-01 0 days 1,560 sqft
    2024-12-01 0 days 1,552 sqft
    2025-01-01 0 days 1,486 sqft
    2025-02-01 0 days 1,575 sqft
    2025-03-01 0 days 1,560 sqft
    2025-04-01 0 days 1,612 sqft
    Defiance's median listing age (time on market) for 2025-04-01 was 0 days.

    Defiance's median square footage for active listings during the 2025-04-01 period was 1,612 sqft. One year prior, the average listing was 1,498 sqft.

    Defiance, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 334 $60,700,000 $181,737
    Home Improvement 114 $6,580,000 $57,719
    Cash Out Refi 93 $11,755,000 $126,398
    Refi 84 $10,880,000 $129,524
    Other 64 $5,650,000 $88,281

    Defiance's most frequently cited loan purpose was Home Purchase, with 334 originations. The 2nd most popular reason was Home Improvement, with 114 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 250 $41,070,000 $164,280
    Over 8% 185 $12,715,000 $68,730
    7-8% 148 $24,410,000 $164,932
    5-6% 71 $12,845,000 $180,915
    4-5% 5 $1,055,000 $211,000
    <2.5% 1 $5,000 $5,000
    2.5-3% 1 $25,000 $25,000

    During 2024, Defiance's most frequently originated rate bucket was 6-7%, with 250 originations.

    Loan Sizing (Defiance, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 288 $16,070,000 $55,799
    $100k-200k 272 $39,080,000 $143,676
    $200k-400k 113 $29,905,000 $264,646
    $400k-600k 9 $4,225,000 $469,444
    $600k-1000k 5 $3,755,000 $751,000
    $Over $1MM 2 $2,530,000 $1,265,000

    Defiance's loan sizing saw the bucket of loans from $100,000 or less with 288 originations, totaling $16,070,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 265 $51,755,000 $195,302
    60-80% 130 $20,420,000 $157,077
    20-40% 120 $8,400,000 $70,000
    Under 20% 88 $2,770,000 $31,477
    40-60% 52 $6,260,000 $120,385
    Over 100% 1 $115,000 $115,000

    Defiance's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 265 originations, totaling $51,755,000 in origination value.