Findlay 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 Findlay averaged 6.58% for the week of 2023-03-16, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2023-03-09) was 7.01% and one month ago for the week of 2023-02-09, the average rate was 6.5%.

    Findlay's average rate one year ago was 3.83%.

    For refis of the same type during the week of 2023-03-16, the average rate was 6.86%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-16 6.6%
    Findlay 30 Year Fixed Rate 2023-03-16 6.58%
    Findlay 30 Year Fixed Rate Refi 2023-03-16 6.86%
    Findlay 15 Year Fixed Rate 2023-03-16 6.09%
    Findlay 15 Year Fixed Rate Refi 2023-03-16 6.19%
    Findlay 30 Year FHA 2023-03-16 6.67%
    Findlay 30 Year FHA Refi 2023-03-16 6.3%
    Findlay 30 Year USDA 2023-03-16 6.58%
    Findlay 30 Year USDA Refi 2023-03-16 6.72%
    Findlay 30 Year VA 2023-03-16 6.19%
    Findlay 30 Year VA Refi 2023-03-16 6.16%
    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 lender, 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. Closing Costs
    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 Average Closing Costs & Other Stats

    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.

    Findlay's average closing costs are $3,892.

    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 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 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 fourth place, with 6.5%, is Fifth Third Bank, having originated $36,455,000 in loans. In fifth place, with 6.0%, is QUICKEN LOANS, LLC, having originated $33,695,000 in loans.

    Findlay Housing Market Trends (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 $179,900 (20.0%) $243,234 (18.7%) 0.00 195
    2018-02-01 $169,600 (0.4%) $241,873 (9.8%) 0.00 194
    2018-03-01 $179,900 (4.9%) $242,514 (6.4%) 0.00 191
    2018-04-01 $194,350 (8.0%) $253,523 (10.7%) 0.00 191
    2018-05-01 $192,725 (15.2%) $255,756 (19.6%) 0.00 195
    2018-06-01 $189,900 (16.4%) $247,975 (19.3%) 0.00 223
    2018-07-01 $189,900 (11.9%) $248,704 (14.9%) 0.00 233
    2018-08-01 $182,400 (7.3%) $239,584 (6.0%) 0.00 235
    2018-09-01 $179,900 (7.2%) $241,138 (7.9%) 0.00 237
    2018-10-01 $186,175 (10.1%) $244,212 (8.0%) 0.00 219
    2018-11-01 $186,565 (9.8%) $243,234 (0.8%) 0.00 215
    2018-12-01 $192,900 (7.2%) $252,069 (3.8%) 0.00 180
    2019-01-01 $191,200 (6.3%) $250,416 (3.0%) 0.00 177
    2019-02-01 $183,400 (8.1%) $249,535 (3.2%) 0.00 177
    2019-03-01 $201,329 (11.9%) $262,769 (8.4%) 0.00 169
    2019-04-01 $229,550 (18.1%) $274,118 (8.1%) 0.00 173
    2019-05-01 $239,575 (24.3%) $275,554 (7.7%) 0.00 164
    2019-06-01 $221,900 (16.9%) $266,630 (7.5%) 0.00 186
    2019-07-01 $204,925 (7.9%) $262,000 (5.4%) 0.00 198
    2019-08-01 $204,518 (12.1%) $258,375 (7.8%) 0.00 202
    2019-09-01 $203,945 (13.4%) $256,838 (6.5%) 0.00 198
    2019-10-01 $203,500 (9.3%) $256,602 (5.1%) 0.00 195
    2019-11-01 $194,900 (4.5%) $246,543 (1.4%) 0.00 168
    2019-12-01 $189,850 (-1.6%) $248,804 (-1.3%) 0.00 143
    2020-01-01 $199,500 (4.3%) $259,605 (3.7%) 0.00 124
    2020-02-01 $199,500 (8.8%) $289,523 (16.0%) 0.00 97
    2020-03-01 $214,900 (6.7%) $289,619 (10.2%) 0.00 113
    2020-04-01 $203,375 (-11.4%) $287,025 (4.7%) 0.00 110
    2020-05-01 $198,700 (-17.1%) $280,875 (1.9%) 0.00 121
    2020-06-01 $262,450 (18.3%) $320,844 (20.3%) 0.00 113
    2020-07-01 $254,450 (24.2%) $316,387 (20.8%) 0.00 138
    2020-08-01 $229,900 (12.4%) $306,556 (18.7%) 0.00 133
    2020-09-01 $227,450 (11.5%) $312,289 (21.6%) 0.00 129
    2020-10-01 $209,900 (3.1%) $277,752 (8.2%) 0.00 152
    2020-11-01 $199,200 (2.2%) $277,557 (12.6%) 0.00 151
    2020-12-01 $192,900 (1.6%) $275,059 (10.6%) 0.00 136
    2021-01-01 $204,400 (2.5%) $269,601 (3.9%) 0.00 116
    2021-02-01 $209,900 (5.2%) $292,236 (0.9%) 0.00 88
    2021-03-01 $244,950 (14.0%) $333,113 (15.0%) 0.00 72
    2021-04-01 $261,175 (28.4%) $342,572 (19.4%) 0.00 72
    2021-05-01 $253,950 (27.8%) $346,661 (23.4%) 0.00 80
    2021-06-01 $260,775 (-0.6%) $360,193 (12.3%) 0.00 89
    2021-07-01 $247,500 (-2.7%) $326,626 (3.2%) 0.00 113
    2021-08-01 $224,900 (-2.2%) $306,429 (0.0%) 0.00 137
    2021-09-01 $221,200 (-2.8%) $302,431 (-3.2%) 0.00 145
    2021-10-01 $216,300 (3.1%) $284,144 (2.3%) 0.00 135
    2021-11-01 $223,350 (12.1%) $267,964 (-3.5%) 0.00 134
    2021-12-01 $207,000 (7.3%) $246,442 (-10.4%) 0.00 104
    2022-01-01 $218,350 (6.8%) $261,037 (-3.2%) 0.00 67
    2022-02-01 $213,450 (1.7%) $286,331 (-2.0%) 0.00 62
    2022-03-01 $214,900 (-12.3%) $294,059 (-11.7%) 0.00 49
    2022-04-01 $259,900 (-0.5%) $319,108 (-6.9%) 0.00 48
    2022-05-01 $258,425 (1.8%) $310,428 (-10.5%) 0.00 60
    2022-06-01 $249,900 (-4.2%) $300,027 (-16.7%) 0.00 94
    2022-07-01 $254,950 (3.0%) $302,446 (-7.4%) 0.00 107
    2022-08-01 $247,175 (9.9%) $292,340 (-4.6%) 0.00 111
    2022-09-01 $234,500 (6.0%) $293,024 (-3.1%) 0.00 118
    2022-10-01 $237,400 (9.8%) $294,506 (3.7%) 0.00 111
    2022-11-01 $230,000 (3.0%) $295,645 (10.3%) 0.00 112
    2022-12-01 $229,900 (11.1%) $272,922 (10.8%) 0.00 101
    2023-01-01 $221,000 (1.2%) $277,568 (6.3%) 0.00 92
    2023-02-01 $209,900 (-1.7%) $290,038 (1.3%) 0.00 74
    Findlay's median listing price for 2023-02-01 was $209,900, a difference of $-3,550 (-1.7%) versus the prior year and $-11,100 versus the prior month.

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

    Findlay's average listing price for 2023-02-01 was $290,038, a difference of $3,707 (1.3%) versus the prior year and $12,470 versus the prior month.

    For the 2023-02-01 period, Findlay had 74 MLS listings, a difference of -18 listings (-20%) versus the prior month and 12 listings (19%) 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 1,796 sqft
    2018-02-01 0 days 1,777 sqft
    2018-03-01 0 days 1,851 sqft
    2018-04-01 0 days 1,896 sqft
    2018-05-01 0 days 1,938 sqft
    2018-06-01 0 days 1,902 sqft
    2018-07-01 0 days 1,885 sqft
    2018-08-01 0 days 1,894 sqft
    2018-09-01 0 days 1,883 sqft
    2018-10-01 0 days 1,862 sqft
    2018-11-01 0 days 1,883 sqft
    2018-12-01 0 days 1,868 sqft
    2019-01-01 0 days 1,861 sqft
    2019-02-01 0 days 1,823 sqft
    2019-03-01 0 days 1,926 sqft
    2019-04-01 0 days 2,012 sqft
    2019-05-01 0 days 2,059 sqft
    2019-06-01 0 days 1,994 sqft
    2019-07-01 0 days 1,917 sqft
    2019-08-01 0 days 1,907 sqft
    2019-09-01 0 days 1,902 sqft
    2019-10-01 0 days 1,933 sqft
    2019-11-01 0 days 1,909 sqft
    2019-12-01 0 days 1,909 sqft
    2020-01-01 0 days 1,918 sqft
    2020-02-01 0 days 1,885 sqft
    2020-03-01 0 days 1,909 sqft
    2020-04-01 0 days 1,907 sqft
    2020-05-01 0 days 1,906 sqft
    2020-06-01 0 days 2,124 sqft
    2020-07-01 0 days 2,068 sqft
    2020-08-01 0 days 1,968 sqft
    2020-09-01 0 days 2,044 sqft
    2020-10-01 0 days 1,948 sqft
    2020-11-01 0 days 1,842 sqft
    2020-12-01 0 days 1,929 sqft
    2021-01-01 0 days 1,922 sqft
    2021-02-01 0 days 1,918 sqft
    2021-03-01 0 days 2,035 sqft
    2021-04-01 0 days 2,128 sqft
    2021-05-01 0 days 1,994 sqft
    2021-06-01 0 days 1,963 sqft
    2021-07-01 0 days 1,802 sqft
    2021-08-01 0 days 1,776 sqft
    2021-09-01 0 days 1,876 sqft
    2021-10-01 0 days 1,814 sqft
    2021-11-01 0 days 1,766 sqft
    2021-12-01 0 days 1,749 sqft
    2022-01-01 0 days 1,756 sqft
    2022-02-01 0 days 1,739 sqft
    2022-03-01 0 days 1,817 sqft
    2022-04-01 0 days 1,780 sqft
    2022-05-01 0 days 1,785 sqft
    2022-06-01 0 days 1,790 sqft
    2022-07-01 0 days 1,832 sqft
    2022-08-01 0 days 1,776 sqft
    2022-09-01 0 days 1,798 sqft
    2022-10-01 0 days 1,804 sqft
    2022-11-01 0 days 1,756 sqft
    2022-12-01 0 days 1,750 sqft
    2023-01-01 0 days 1,695 sqft
    2023-02-01 0 days 1,768 sqft
    Findlay's median listing age (time on market) for 2023-02-01 was 0 days.

    Findlay's median square footage for active listings during the 2023-02-01 period was 1,768 sqft. One year prior, the average listing was 1,739 sqft.

    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.