Findlay Mortgage Rates

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

30 Year Fixed Rate mortgages in Findlay averaged 5.88% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.09% and one month ago for the week of 2022-05-26, the average rate was 5.48%.

Findlay's average rate one year ago was 3.44%.

For refis of the same type during the week of 2022-06-30, the average rate was 6.06%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Findlay 30 Year Fixed Rate 2022-06-30 5.88%
Findlay 30 Year Fixed Rate Refi 2022-06-30 6.06%
Findlay 15 Year Fixed Rate 2022-06-30 4.92%
Findlay 15 Year Fixed Rate Refi 2022-06-30 4.92%
Findlay 30 Year FHA 2022-06-30 5.98%
Findlay 30 Year FHA Refi 2022-06-30 5.92%
Findlay 30 Year USDA 2022-06-30 6.09%
Findlay 30 Year USDA Refi 2022-06-30 5.82%
Findlay 30 Year VA 2022-06-30 5.67%
Findlay 30 Year VA Refi 2022-06-30 5.24%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Findlay, OH.

Findlay Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Findlay, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
LOANDEPOT.COM, LLC 335 3.17% $3,434
First Federal Bank of the Midwest 235 3.11% $2,900
The Huntington National Bank 102 3.10% $3,744
QUICKEN LOANS, LLC 79 3.18% $5,118
JPMorgan Chase Bank 78 3.14% $2,079
UNION HOME MORTGAGE CORP. 58 3.21% $4,229
Fifth Third Bank 48 3.29% $3,583
Superior Credit Union, Inc. 26 2.97% $3,278
The Citizens National Bank of Bluffton 21 3.27% $2,288
The State Bank and Trust Company 21 3.04% $4,074
The Old Fort Banking Company 17 3.14% $2,760
The Union Bank Company 16 2.98% $2,638
POLARIS HOME FUNDING CORP. 14 3.29% $4,548
First Federal Savings and Loan Association of Lakewood 11 3.13% $4,995
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 10 3.17% $4,425
Wells Fargo Bank 9 3.24% $3,228
KeyBank 9 2.95% $2,849
BETTER MORTGAGE CORPORATION 8 2.89% $2,027
AMERISAVE MORTGAGE CORPORATION 7 3.12% $4,088
U.S. Bank 6 3.40% $3,412
The Farmers & Merchants State Bank 6 3.48% $3,763
Chicago Mortgage Solutions LLC 5 3.72% $2,020
CALIBER HOME LOANS, INC. 5 3.17% $3,102
The Genoa Banking Company 5 2.95% $3,591
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 5 3.12% $3,279
GUARANTEED RATE, INC. 4 3.09% $3,268
Ally Bank 4 2.94% $2,745
AMERICAN FINANCING CORPORATION 4 3.22% $3,958
RUOFF MORTGAGE COMPANY, INC. 4 3.34% $3,143
Mr. Cooper ( Nationstar Mortgage ) 4 3.34% $3,399
HOMESIDE FINANCIAL, LLC 3 2.96% $3,409
Blue Ridge Bank 3 3.33% $3,212
Flagstar Bank, FSB 3 4.13% $3,108
First Guaranty Mortgage Corporation 3 2.92% $2,903
UNITED WHOLESALE MORTGAGE, LLC 3 3.02% $4,074
Citizens Bank 3 3.04% $4,283
NAVY FEDERAL CREDIT UNION 3 4.04% $4,219
CROSSCOUNTRY MORTGAGE, LLC 3 3.04% $4,334
Mortgage Research Center, LLC 3 2.88% $6,173
T2 FINANCIAL LLC 3 3.71% $5,335
Union Savings Bank 2 2.94% $1,332
Northpointe Bank 2 3.50% $4,027
Ixonia Bank 2 3.06% $2,073
InterContinental Capital Group, Inc 2 3.06% $4,887
FirstBank 2 3.00% $2,029
NEWREZ LLC 2 3.06% $4,629
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 3.19% $1,748
MORTGAGE ACCESS CORP. 2 3.38% $2,782
Bank of America 2 3.13% $2,713
PENNYMAC LOAN SERVICES, LLC 2 2.94% $5,386
Third Federal Savings and Loan Association of Cleveland 2 2.84% $1,576
MUTUAL OF OMAHA MORTGAGE, INC. 2 3.38% $6,322
LEADERONE FINANCIAL CORPORATION 2 3.00% $3,304
HOME POINT FINANCIAL CORPORATION 2 3.31% $3,676
ZILLOW HOME LOANS, LLC 1 2.75% $1,964
AMERICAN FINANCIAL NETWORK, INC. 1 2.88% $2,713
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 4.00% $3,805
AMERIFIRST FINANCIAL CORPORATION 1 3.25% $3,084
AmeriHome Mortgage Company, LLC 1 2.99% $6,155
Ameris Bank 1 3.88% $3,222
Axos Bank 1 2.75% $978
CANOPY MORTGAGE, LLC 1 2.88% $2,826
CHURCHILL MORTGAGE CORPORATION 1 3.38% $5,335
EQUITY RESOURCES, INC. 1 3.38% $3,454
FIRST COMMUNITY MORTGAGE, INC. 1 3.50% $2,976
First Financial Bank 1 3.25% $3,906
Flanagan State Bank 1 3.63% $1,549
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 2.63% $2,568
HOMEXPRESS MORTGAGE CORP. 1 4.50% $8,437
KEMBA FINANCIAL 1 3.63% $2,164
LAKEVIEW LOAN SERVICING, LLC 1 3.88% $1,884
LIBERTY HOME MORTGAGE CORPORATION 1 3.38% $4,641
Liberty National Bank 1 2.50% $2,415
MEMBER FIRST MORTGAGE, LLC 1 3.25% $3,264
MICHIGAN MUTUAL, INC. 1 3.75% $3,228
MID AMERICA MORTGAGE, INC. 1 2.75% $2,060
MYCUMORTGAGE, LLC 1 3.38% $3,606
Nations Lending Corporation 1 3.13% $3,069
NFM, INC. 1 3.13% $3,865
PARTNERS 1ST Federal Credit Union 1 3.75% $3,494
Plains Commerce Bank 1 3.13% $3,897
PNC Bank 1 3.25% $2,453
ROYAL UNITED MORTGAGE LLC 1 3.38% $6,169
S1L, Inc. 1 3.25% $4,008
SFMC, LP 1 2.99% $3,199
Sierra Pacific Mortgage Company, Inc. 1 2.75% $3,982
SOFI LENDING CORP. 1 3.00% $4,410
STEARNS LENDING, LLC 1 4.00% $2,679
Strong Home Mortgage, LLC 1 2.75% $1,664
SUN WEST MORTGAGE COMPANY, INC. 1 3.00% $6,929
SUPERIOR FINANCIAL SOLUTIONS, LLC 1 3.00% $2,602
The Cortland Savings and Banking Company 1 2.75% $2,742
The Croghan Colonial Bank 1 3.88% $3,556
THE EQUITABLE MORTGAGE CORPORATION 1 2.75% $2,639
The Henry County Bank 1 2.63% $1,959
The Park National Bank 1 2.88% $2,923
TIAA, FSB 1 3.00% $1,538
TOGETHER CREDIT UNION 1 2.88% $2,682
UNITED 1 2.75% $8,908
UNITED MORTGAGE CORP. 1 3.00% $4,610
VANDERBILT MORTGAGE AND FINANCE, INC. 1 2.50% $2,473
VAN DYK MORTGAGE CORPORATION 1 3.00% $5,444
Western Ohio Mortgage Corporation 1 3.25% $3,599
WEST PENN FINANCIAL SERVICE CENTER, INC. 1 3.25% $4,198
Wyndham Capital Mortgage, Inc. 1 2.88% $3,939
1ST SIGNATURE LENDING, LLC 1 3.13% $5,109

Findlay, OH's 106 lenders originated 3,288 loans during 2021. The total origination value was $561,570,000, with an average loan value of $170,794.

The top Findlay lender as defined by loan originations is LOANDEPOT.COM, LLC, with 335 loans originated. Their average total fees are $3,434, which is $534 higher than the next largest lender, First Federal Bank of the Midwest.

The lowest fee Findlay lenders (with over 10 loans originated) are JPMorgan Chase Bank ($2,079), The Citizens National Bank of Bluffton ($2,288), The Union Bank Company ($2,638), The Old Fort Banking Company ($2,760) and First Federal Bank of the Midwest ($2,900).

The lowest rate Findlay lenders (with over 10 loans originated) are Superior Credit Union, Inc. (2.97%), The Union Bank Company (2.98%), The State Bank and Trust Company (3.04%), The Huntington National Bank (3.10%) and First Federal Bank of the Midwest (3.11%).

Findlay, OH Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
LOANDEPOT.COM, LLC $111,500,000 $125,085,000 12.2% 22.3%
First Federal Bank of the Midwest $122,935,000 $99,655,000 -18.9% 17.7%
The Huntington National Bank $50,165,000 $45,140,000 -10.0% 8.0%
Fifth Third Bank $27,080,000 $36,455,000 34.6% 6.5%
QUICKEN LOANS, LLC $25,040,000 $33,695,000 34.6% 6.0%
JPMorgan Chase Bank $20,045,000 $22,655,000 13.0% 4.0%
UNION HOME MORTGAGE CORP. $10,210,000 $18,880,000 84.9% 3.4%
The First National Bank of Pandora $24,685,000 $15,055,000 -39.0% 2.7%
The Old Fort Banking Company $14,425,000 $11,455,000 -20.6% 2.0%
The Citizens National Bank of Bluffton $21,595,000 $8,725,000 -59.6% 1.6%
The State Bank and Trust Company $34,135,000 $8,475,000 -75.2% 1.5%
Superior Credit Union, Inc. $11,000,000 $7,445,000 -32.3% 1.3%
The Union Bank Company $7,340,000 $5,580,000 -24.0% 1.0%
AG Credit, Agricultural Credit Association $5,645,000 $5,465,000 -3.2% 1.0%
First Federal Savings and Loan Association of Lakewood $4,545,000 $5,320,000 17.1% 0.9%
POLARIS HOME FUNDING CORP. $4,990,000 $5,310,000 6.4% 0.9%
Mortgage Research Center, LLC $3,375,000 $4,875,000 44.4% 0.9%
KeyBank $3,995,000 $4,270,000 6.9% 0.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,230,000 $3,895,000 216.7% 0.7%
Wells Fargo Bank $2,125,000 $3,880,000 82.6% 0.7%
BETTER MORTGAGE CORPORATION $590,000 $2,925,000 395.8% 0.5%
FREEDOM MORTGAGE CORPORATION $5,675,000 $2,885,000 -49.2% 0.5%
NEWREZ LLC $685,000 $2,335,000 240.9% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $3,160,000 $2,295,000 -27.4% 0.4%
NAVY FEDERAL CREDIT UNION $935,000 $2,230,000 138.5% 0.4%
The Farmers & Merchants State Bank $1,185,000 $2,190,000 84.8% 0.4%
Flagstar Bank, FSB $355,000 $2,115,000 495.8% 0.4%
AMERISAVE MORTGAGE CORPORATION $795,000 $2,070,000 160.4% 0.4%
TOWNE MORTGAGE COMPANY $3,050,000 $2,035,000 -33.3% 0.4%
PENNYMAC LOAN SERVICES, LLC $1,700,000 $1,970,000 15.9% 0.4%
U.S. Bank $1,650,000 $1,920,000 16.4% 0.3%
CALIBER HOME LOANS, INC. $1,730,000 $1,915,000 10.7% 0.3%
Citizens Bank $1,365,000 $1,865,000 36.6% 0.3%
The Genoa Banking Company $1,845,000 n/a 0.3%
Third Federal Savings and Loan Association of Cleveland $335,000 $1,530,000 356.7% 0.3%
Ally Bank $85,000 $1,505,000 1,670.6% 0.3%
HOME POINT FINANCIAL CORPORATION $1,140,000 $1,490,000 30.7% 0.3%
AMERICAN FINANCING CORPORATION $615,000 $1,395,000 126.8% 0.2%
HOMESIDE FINANCIAL, LLC $1,105,000 $1,365,000 23.5% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $790,000 $1,205,000 52.5% 0.2%
EQUITY RESOURCES, INC. $665,000 $1,175,000 76.7% 0.2%
InterContinental Capital Group, Inc $225,000 $1,125,000 400.0% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $350,000 $1,105,000 215.7% 0.2%
RUOFF MORTGAGE COMPANY, INC. $915,000 $1,030,000 12.6% 0.2%
First Guaranty Mortgage Corporation $700,000 $1,025,000 46.4% 0.2%
North American Savings Bank, F.S.B. $350,000 $1,005,000 187.1% 0.2%
Waterford Bank, N.A. $1,150,000 $950,000 -17.4% 0.2%
Carrington Mortgage Services, LLC $935,000 $940,000 0.5% 0.2%
T2 FINANCIAL LLC $965,000 $920,000 -4.7% 0.2%
First Federal Community Bank of Bucyrus $1,880,000 $915,000 -51.3% 0.2%
UNITED WHOLESALE MORTGAGE, LLC $1,325,000 $910,000 -31.3% 0.2%
MYCUMORTGAGE, LLC $635,000 $885,000 39.4% 0.2%
GUARANTEED RATE, INC. $865,000 n/a 0.2%
Union Savings Bank $1,555,000 $860,000 -44.7% 0.2%
Blue Ridge Bank $840,000 n/a 0.1%
UNITED $435,000 $830,000 90.8% 0.1%
The Federal Savings Bank $510,000 $785,000 53.9% 0.1%
PRIORITY MORTGAGE CORP. $465,000 $765,000 64.5% 0.1%
CALCON MUTUAL MORTGAGE LLC $760,000 n/a 0.1%
Chicago Mortgage Solutions LLC $725,000 n/a 0.1%
USAA Federal Savings Bank $1,360,000 $725,000 -46.7% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $995,000 $705,000 -29.1% 0.1%
Northpointe Bank $235,000 $690,000 193.6% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $570,000 $680,000 19.3% 0.1%
CLEARPATH LENDING $925,000 $640,000 -30.8% 0.1%
S1L, Inc. $600,000 n/a 0.1%
FirstBank $315,000 $590,000 87.3% 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $400,000 $590,000 47.5% 0.1%
LAKEVIEW LOAN SERVICING, LLC $390,000 $580,000 48.7% 0.1%
Ixonia Bank $335,000 $575,000 71.6% 0.1%
USX Federal Credit Union $905,000 $555,000 -38.7% 0.1%
Bank of America $2,325,000 $540,000 -76.8% 0.1%
BROKER SOLUTIONS, INC. $1,050,000 $535,000 -49.0% 0.1%
PARTNERS 1ST Federal Credit Union $535,000 n/a 0.1%
MORTGAGE ACCESS CORP. $855,000 $520,000 -39.2% 0.1%
NEW DAY FINANCIAL, LLC $860,000 $520,000 -39.5% 0.1%
ZILLOW HOME LOANS, LLC $510,000 n/a 0.1%
THE EQUITABLE MORTGAGE CORPORATION $790,000 $490,000 -38.0% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $480,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $650,000 $470,000 -27.7% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $420,000 $460,000 9.5% 0.1%
VAN DYK MORTGAGE CORPORATION $235,000 $460,000 95.7% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $185,000 $455,000 145.9% 0.1%
First Federal Bank of Ohio $380,000 $450,000 18.4% 0.1%
The Croghan Colonial Bank $220,000 $445,000 102.3% 0.1%
Ameris Bank $440,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $880,000 $430,000 -51.1% 0.1%
Directions Credit Union, Inc. $270,000 $420,000 55.6% 0.1%
Nations Lending Corporation $525,000 $415,000 -21.0% 0.1%
Flanagan State Bank $405,000 n/a 0.1%
Fremont Federal Credit Union $405,000 n/a 0.1%
UNITED MORTGAGE CORP. $395,000 n/a 0.1%
LIBERTY HOME MORTGAGE CORPORATION $575,000 $390,000 -32.2% 0.1%
Hometown Lenders, Inc. $290,000 $375,000 29.3% 0.1%
PNC Bank $920,000 $360,000 -60.9% 0.1%
Bank of England $275,000 $350,000 27.3% 0.1%
HONDA Federal Credit Union $515,000 $345,000 -33.0% 0.1%
Sutton Bank $335,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $330,000 n/a 0.1%
Axos Bank $335,000 $325,000 -3.0% 0.1%
SFMC, LP $325,000 n/a 0.1%
Sierra Pacific Mortgage Company, Inc. $325,000 n/a 0.1%
NATIONS DIRECT MORTGAGE, LLC $890,000 $315,000 -64.6% 0.1%
WEST PENN FINANCIAL SERVICE CENTER, INC. $315,000 n/a 0.1%
AMERICAN FINANCIAL NETWORK, INC. $295,000 $310,000 5.1% 0.1%
Plains Commerce Bank $310,000 n/a 0.1%
Strong Home Mortgage, LLC $305,000 n/a 0.1%
CANOPY MORTGAGE, LLC $295,000 n/a 0.1%
SOFI LENDING CORP. $295,000 n/a 0.1%
The Park National Bank $690,000 $290,000 -58.0% 0.1%
Western Ohio Mortgage Corporation $290,000 n/a 0.1%
First Financial Bank $285,000 n/a 0.1%
NBKC BANK $285,000 n/a 0.1%
KEMBA FINANCIAL $35,000 $275,000 685.7% 0.0%
NFM, INC. $365,000 $275,000 -24.7% 0.0%
TIAA, FSB $275,000 n/a 0.0%
Minster Bank $175,000 $260,000 48.6% 0.0%
Wyndham Capital Mortgage, Inc. $255,000 n/a 0.0%
Low VA Rates, LLC $365,000 $250,000 -31.5% 0.0%
1ST SIGNATURE LENDING, LLC $245,000 n/a 0.0%
Clear Mountain Bank $245,000 n/a 0.0%
GUARANTY HOME MORTGAGE CORPORATION $245,000 n/a 0.0%
Figure Lending LLC $120,000 $240,000 100.0% 0.0%
Barrington Bank & Trust Company, N.A. $760,000 $230,000 -69.7% 0.0%
QUORUM FEDERAL CREDIT UNION $230,000 n/a 0.0%
SUPERIOR FINANCIAL SOLUTIONS, LLC $95,000 $225,000 136.8% 0.0%
SIGNATURE MORTGAGE CORPORATION $215,000 n/a 0.0%
The Cortland Savings and Banking Company $215,000 n/a 0.0%
LEADERONE FINANCIAL CORPORATION $210,000 n/a 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $205,000 n/a 0.0%
FIRST COMMUNITY MORTGAGE, INC. $195,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $25,000 $195,000 680.0% 0.0%
HOWARD HANNA FINANCIAL SERVICES, INC. $265,000 $185,000 -30.2% 0.0%
REVERSE MORTGAGE FUNDING LLC $185,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $175,000 n/a 0.0%
HOMEXPRESS MORTGAGE CORP. $175,000 n/a 0.0%
LENDUS, LLC $175,000 $175,000 0.0% 0.0%
TELHIO $175,000 n/a 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $165,000 n/a 0.0%
21ST MORTGAGE CORPORATION $245,000 $160,000 -34.7% 0.0%
Day Air Credit Union, Inc $155,000 n/a 0.0%
THRIVENT Federal Credit Union $165,000 $155,000 -6.1% 0.0%
ROYAL UNITED MORTGAGE LLC $480,000 $150,000 -68.8% 0.0%
LENDINGHOME FUNDING CORPORATION $145,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $145,000 n/a 0.0%
TOGETHER CREDIT UNION $145,000 n/a 0.0%
AMERICAN ADVISORS GROUP $135,000 n/a 0.0%
Eastern Michigan Bank $135,000 n/a 0.0%
RESIDENTIAL BANCORP. $135,000 n/a 0.0%
The Henry County Bank $1,650,000 $135,000 -91.8% 0.0%
MORIA DEVELOPMENT, INC. $130,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $125,000 n/a 0.0%
AMERIFIRST FINANCIAL CORPORATION $325,000 $125,000 -61.5% 0.0%
Cf Bank $95,000 $115,000 21.1% 0.0%
First Federal Bank $305,000 $115,000 -62.3% 0.0%
MEMBER FIRST MORTGAGE, LLC $115,000 n/a 0.0%
MICHIGAN MUTUAL, INC. $115,000 n/a 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $155,000 $105,000 -32.3% 0.0%
Bankers' Bank $105,000 n/a 0.0%
Liberty National Bank $1,470,000 $105,000 -92.9% 0.0%
CityWorth Mortgage LLC $185,000 $95,000 -48.6% 0.0%
Manufacturers and Traders Trust Company $95,000 n/a 0.0%
STEARNS LENDING, LLC $95,000 n/a 0.0%
Citibank $105,000 $85,000 -19.0% 0.0%
PLANET HOME LENDING, LLC $85,000 n/a 0.0%
EVANSVILLE TEACHERS $75,000 n/a 0.0%
First Commonwealth Bank $670,000 $75,000 -88.8% 0.0%
DIGITAL Federal Credit Union $65,000 n/a 0.0%
NUMARK CREDIT UNION $55,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $45,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $35,000 n/a 0.0%
SUN Federal Credit Union $400,000 $15,000 -96.3% 0.0%

Findlay's top lender by overall market share is LOANDEPOT.COM, LLC, with 22.3% market share. In second place, with 17.7%, is First Federal Bank of the Midwest, having originated $99,655,000 in loans. In third place, with 8.0%, is The Huntington National Bank, having originated $45,140,000 in loans. In third place, with 6.5%, is Fifth Third Bank, having originated $36,455,000 in loans. In third place, with 6.0%, is QUICKEN LOANS, LLC, having originated $33,695,000 in loans.


Findlay, OH Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,372 $279,100,000 $203,426
Refi 1,086 $170,430,000 $156,934
Cash Out Refi 563 $90,625,000 $160,968
Home Improvement 153 $11,735,000 $76,699
Other 114 $9,680,000 $84,912

Findlay's most frequently cited loan purpose was Home Purchase, with 1,372 originations. The 2nd most popular reason was Refi, with 1,086 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,309 $238,415,000 $182,135
3-4% 1,191 $202,995,000 $170,441
<2.5% 447 $82,355,000 $184,239
4-5% 138 $15,090,000 $109,348
5-6% 49 $2,165,000 $44,184
Over 8% 16 $720,000 $45,000
7-8% 15 $375,000 $25,000
6-7% 7 $385,000 $55,000

During 2021, Findlay's most frequently originated rate bucket was 2.5-3%, with 1,309 originations.

Loan Sizing (Findlay, OH MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,530 $218,970,000 $143,118
$100,000 or less 818 $55,860,000 $68,289
$200k-400k 805 $214,695,000 $266,702
$400k-600k 111 $52,225,000 $470,495
$600k-1000k 21 $15,425,000 $734,524
$Over $1MM 3 $4,395,000 $1,465,000

Findlay's loan sizing saw the bucket of loans from $100k-200k with 1,530 originations, totaling $218,970,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,223 $244,765,000 $200,135
60-80% 1,015 $186,895,000 $184,133
40-60% 453 $64,685,000 $142,792
20-40% 279 $24,035,000 $86,147
Under 20% 116 $4,300,000 $37,069
Over 100% 26 $6,660,000 $256,154

Findlay's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,223 originations, totaling $244,765,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Findlay (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 $192,200 (24.1%) $242,915 (6.7%) 0.00 194
2018-02-01 $172,000 (0.4%) $243,118 (2.6%) 0.00 187
2018-03-01 $189,900 (4.3%) $248,074 (0.4%) 0.00 179
2018-04-01 $199,500 (5.6%) $259,406 (5.9%) 0.00 175
2018-05-01 $196,900 (17.6%) $261,203 (22.9%) 0.00 180
2018-06-01 $189,900 (14.6%) $253,507 (22.1%) 0.00 210
2018-07-01 $189,900 (11.8%) $249,932 (15.0%) 0.00 215
2018-08-01 $184,900 (7.3%) $241,050 (5.9%) 0.00 223
2018-09-01 $179,900 (5.9%) $243,376 (7.4%) 0.00 220
2018-10-01 $187,450 (5.6%) $248,158 (6.2%) 0.00 215
2018-11-01 $187,500 (4.2%) $244,797 (-0.8%) 0.00 218
2018-12-01 $192,900 (4.3%) $251,293 (2.4%) 0.00 182
2019-01-01 $191,450 (-0.4%) $253,944 (4.5%) 0.00 182
2019-02-01 $188,900 (9.8%) $251,337 (3.4%) 0.00 180
2019-03-01 $208,614 (9.9%) $266,879 (7.6%) 0.00 169
2019-04-01 $231,614 (16.1%) $280,880 (8.3%) 0.00 169
2019-05-01 $249,950 (26.9%) $285,128 (9.2%) 0.00 163
2019-06-01 $229,900 (21.1%) $277,980 (9.7%) 0.00 203
2019-07-01 $216,450 (14.0%) $273,471 (9.4%) 0.00 208
2019-08-01 $206,114 (11.5%) $267,944 (11.2%) 0.00 206
2019-09-01 $194,400 (8.1%) $259,531 (6.6%) 0.00 194
2019-10-01 $216,500 (15.5%) $279,516 (12.6%) 0.00 205
2019-11-01 $209,500 (11.7%) $266,896 (9.0%) 0.00 176
2019-12-01 $212,200 (10.0%) $267,456 (6.4%) 0.00 150
2020-01-01 $219,900 (14.9%) $280,452 (10.4%) 0.00 128
2020-02-01 $219,900 (16.4%) $305,813 (21.7%) 0.00 93
2020-03-01 $229,950 (10.2%) $299,740 (12.3%) 0.00 108
2020-04-01 $208,700 (-9.9%) $298,099 (6.1%) 0.00 104
2020-05-01 $209,900 (-16.0%) $290,050 (1.7%) 0.00 116
2020-06-01 $266,480 (15.9%) $321,987 (15.8%) 0.00 107
2020-07-01 $258,930 (19.6%) $320,393 (17.2%) 0.00 131
2020-08-01 $239,900 (16.4%) $315,331 (17.7%) 0.00 127
2020-09-01 $249,450 (28.3%) $318,585 (22.8%) 0.00 124
2020-10-01 $220,000 (1.6%) $290,748 (4.0%) 0.00 145
2020-11-01 $213,900 (2.1%) $286,157 (7.2%) 0.00 154
2020-12-01 $199,900 (-5.8%) $281,632 (5.3%) 0.00 133
2021-01-01 $209,900 (-4.6%) $271,645 (-3.1%) 0.00 113
2021-02-01 $221,900 (0.9%) $304,606 (-0.4%) 0.00 81
2021-03-01 $239,900 (4.3%) $325,323 (8.5%) 0.00 71
2021-04-01 $262,950 (26.0%) $348,877 (17.0%) 0.00 63
2021-05-01 $267,500 (27.4%) $357,663 (23.3%) 0.00 73
2021-06-01 $268,700 (0.8%) $368,214 (14.4%) 0.00 81
2021-07-01 $265,950 (2.7%) $338,667 (5.7%) 0.00 93
2021-08-01 $229,500 (-4.3%) $308,397 (-2.2%) 0.00 128
2021-09-01 $225,000 (-9.8%) $304,056 (-4.6%) 0.00 140
2021-10-01 $225,000 (2.3%) $287,563 (-1.1%) 0.00 129
2021-11-01 $230,750 (7.9%) $273,000 (-4.6%) 0.00 124
2021-12-01 $217,700 (8.9%) $250,261 (-11.1%) 0.00 94
2022-01-01 $229,500 (9.3%) $267,549 (-1.5%) 0.00 61
2022-02-01 $221,350 (-0.3%) $292,621 (-3.9%) 0.00 54
2022-03-01 $230,000 (-4.1%) $298,257 (-8.3%) 0.00 45
2022-04-01 $274,900 (4.5%) $326,824 (-6.3%) 0.00 43
2022-05-01 $261,950 (-2.1%) $300,739 (-15.9%) 0.00 56
2022-06-01 $249,950 (-7.0%) $300,034 (-18.5%) 0.00 94
Findlay's median listing price for 2022-06-01 was $249,950, a difference of $-18,750 (-7.0%) versus the prior year and $-12,000 versus the prior month.

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

Findlay's average listing price for 2022-06-01 was $300,034, a difference of $-68,180 (-18.5%) versus the prior year and $-705 versus the prior month.

For the 2022-06-01 period, Findlay had 94 MLS listings, a difference of 38 listings (68%) versus the prior month and 13 listings (16%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Findlay (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,787 sqft
2018-02-01 0 days 1,752 sqft
2018-03-01 0 days 1,828 sqft
2018-04-01 0 days 1,894 sqft
2018-05-01 0 days 1,960 sqft
2018-06-01 0 days 1,917 sqft
2018-07-01 0 days 1,869 sqft
2018-08-01 0 days 1,901 sqft
2018-09-01 0 days 1,886 sqft
2018-10-01 0 days 1,868 sqft
2018-11-01 0 days 1,875 sqft
2018-12-01 0 days 1,857 sqft
2019-01-01 0 days 1,863 sqft
2019-02-01 0 days 1,815 sqft
2019-03-01 0 days 1,952 sqft
2019-04-01 0 days 2,052 sqft
2019-05-01 0 days 2,098 sqft
2019-06-01 0 days 2,046 sqft
2019-07-01 0 days 1,944 sqft
2019-08-01 0 days 1,903 sqft
2019-09-01 0 days 1,856 sqft
2019-10-01 0 days 2,008 sqft
2019-11-01 0 days 1,956 sqft
2019-12-01 0 days 1,975 sqft
2020-01-01 0 days 1,971 sqft
2020-02-01 0 days 1,919 sqft
2020-03-01 0 days 1,967 sqft
2020-04-01 0 days 1,909 sqft
2020-05-01 0 days 1,936 sqft
2020-06-01 0 days 2,112 sqft
2020-07-01 0 days 2,075 sqft
2020-08-01 0 days 2,024 sqft
2020-09-01 0 days 2,064 sqft
2020-10-01 0 days 1,968 sqft
2020-11-01 0 days 1,956 sqft
2020-12-01 0 days 1,950 sqft
2021-01-01 0 days 1,944 sqft
2021-02-01 0 days 1,967 sqft
2021-03-01 0 days 1,972 sqft
2021-04-01 0 days 2,136 sqft
2021-05-01 0 days 2,064 sqft
2021-06-01 0 days 2,024 sqft
2021-07-01 0 days 1,857 sqft
2021-08-01 0 days 1,768 sqft
2021-09-01 0 days 1,890 sqft
2021-10-01 0 days 1,812 sqft
2021-11-01 0 days 1,781 sqft
2021-12-01 0 days 1,748 sqft
2022-01-01 0 days 1,756 sqft
2022-02-01 0 days 1,736 sqft
2022-03-01 0 days 1,790 sqft
2022-04-01 0 days 1,780 sqft
2022-05-01 0 days 1,790 sqft
2022-06-01 0 days 1,788 sqft
Findlay's median listing age (time on market) for 2022-06-01 was 0 days.

Findlay's median square footage for active listings during the 2022-06-01 period was 1,788 sqft. One year prior, the average listing was 2,024 sqft.