Greenville Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Greenville averaged
6.69%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
7.09% and
one month ago for the week of 2025-05-29, the
average rate was 7.01%.
Greenville's average rate one year ago was 7.08%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.77%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Greenville 30 Year Fixed Rate | 2025-07-03 | 6.69% |
| Greenville 30 Year Fixed Rate Refi | 2025-07-03 | 6.77% |
| Greenville 15 Year Fixed Rate | 2025-07-03 | 5.6% |
| Greenville 15 Year Fixed Rate Refi | 2025-07-03 | 6.1% |
| Greenville 30 Year FHA | 2025-07-03 | 0.2% |
| Greenville 30 Year FHA Refi | 2025-07-03 | 0.1% |
| Greenville 30 Year USDA | 2025-07-03 | 0% |
| Greenville 30 Year USDA Refi | 2025-07-03 | 0.1% |
| Greenville 30 Year VA | 2025-07-03 | 0.2% |
| Greenville 30 Year VA Refi | 2025-07-03 | -0.2% |
Greenville 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 Greenville, 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.).
Greenville Average Closing Costs & Other Stats
Greenville, OH's 55 lenders originated 833
loans during 2024. The total origination value was $121,235,000, with an average loan value of
$145,540.
Greenville's average closing costs are $4,373.
The top Greenville lender as defined by loan originations is NEWREZ LLC, with
30 loans originated. Their average total fees are
$3,360, which is $368
lower than the next largest lender,
The Park National Bank.
The lowest fee Greenville lenders (with over 10 loans originated) are
Greenville Federal ($2,429), NEWREZ LLC ($3,360), The Park National Bank ($3,727), WRIGHT-PATT CREDIT UNION, INC. ($4,240) and QUICKEN LOANS, LLC ($4,681).
The lowest rate Greenville lenders (with over 10 loans originated) are
WRIGHT-PATT CREDIT UNION, INC. (6.35%), Greenville Federal (6.53%), QUICKEN LOANS, LLC (6.65%), The Park National Bank (6.75%) and NEWREZ LLC (6.99%).
Greenville, 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 |
|---|---|---|---|---|
| Greenville National Bank | $17,030,000 | $17,720,000 | 4.1% | 14.6% |
| NEWREZ LLC | $14,785,000 | $16,265,000 | 10.0% | 13.4% |
| The Park National Bank | $7,045,000 | $7,825,000 | 11.1% | 6.5% |
| The Farmers State Bank | $7,895,000 | $6,440,000 | -18.4% | 5.3% |
| QUICKEN LOANS, LLC | $5,830,000 | $5,635,000 | -3.3% | 4.6% |
| WRIGHT-PATT CREDIT UNION, INC. | $2,445,000 | $4,970,000 | 103.3% | 4.1% |
| Greenville Federal | $3,545,000 | $4,370,000 | 23.3% | 3.6% |
| Farm Credit Mid-America, ACA | $2,550,000 | $3,685,000 | 44.5% | 3.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $2,760,000 | $3,065,000 | 11.1% | 2.5% |
| LOANDEPOT.COM, LLC | $750,000 | $2,825,000 | 276.7% | 2.3% |
| HOMESIDE FINANCIAL, LLC | $2,800,000 | n/a | 2.3% | |
| Fifth Third Bank | $1,850,000 | $2,575,000 | 39.2% | 2.1% |
| POLARIS HOME FUNDING CORP. | $1,025,000 | $2,455,000 | 139.5% | 2.0% |
| U.S. Bank | $1,640,000 | $2,080,000 | 26.8% | 1.7% |
| Mortgage Research Center, LLC | $1,835,000 | $2,000,000 | 9.0% | 1.6% |
| FREEDOM MORTGAGE CORPORATION | $535,000 | $1,960,000 | 266.4% | 1.6% |
| JPMorgan Chase Bank | $170,000 | $1,595,000 | 838.2% | 1.3% |
| The Huntington National Bank | $5,800,000 | $1,430,000 | -75.3% | 1.2% |
| First Financial Bank | $2,220,000 | $1,420,000 | -36.0% | 1.2% |
| Union Savings Bank | $2,605,000 | $1,410,000 | -45.9% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $920,000 | $1,240,000 | 34.8% | 1.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $335,000 | $1,170,000 | 249.3% | 1.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,490,000 | $990,000 | -60.2% | 0.8% |
| RUOFF MORTGAGE COMPANY, INC. | $235,000 | $895,000 | 280.9% | 0.7% |
| Minster Bank | $360,000 | $835,000 | 131.9% | 0.7% |
| Carrington Mortgage Services, LLC | $845,000 | $820,000 | -3.0% | 0.7% |
| DAS Acquisition Company, LLC | $770,000 | $815,000 | 5.8% | 0.7% |
| Superior Credit Union, Inc. | $175,000 | $800,000 | 357.1% | 0.7% |
| NEW DAY FINANCIAL, LLC | $205,000 | $750,000 | 265.9% | 0.6% |
| GUARANTEED RATE, INC. | $370,000 | $745,000 | 101.4% | 0.6% |
| The Citizens National Bank of Bluffton | $125,000 | $740,000 | 492.0% | 0.6% |
| USAA Federal Savings Bank | $155,000 | $645,000 | 316.1% | 0.5% |
| BROKER SOLUTIONS, INC. | $240,000 | $630,000 | 162.5% | 0.5% |
| GENEVA FINANCIAL, LLC | $620,000 | n/a | 0.5% | |
| NAVY FEDERAL CREDIT UNION | $815,000 | $600,000 | -26.4% | 0.5% |
| UNION HOME MORTGAGE CORP. | $360,000 | $595,000 | 65.3% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,045,000 | $580,000 | -44.5% | 0.5% |
| MOVEMENT MORTGAGE, LLC | $665,000 | $580,000 | -12.8% | 0.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,550,000 | $555,000 | -64.2% | 0.5% |
| DIRECT MORTGAGE LOANS, LLC | $540,000 | n/a | 0.4% | |
| Monroe Federal Savings and Loan Association | $195,000 | $510,000 | 161.5% | 0.4% |
| Three Rivers Federal Credit Union | $300,005,000 | $505,000 | -99.8% | 0.4% |
| FIRST COMMUNITY MORTGAGE, INC. | $235,000 | $495,000 | 110.6% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $335,000 | $490,000 | 46.3% | 0.4% |
| Day Air Credit Union, Inc | $685,000 | $470,000 | -31.4% | 0.4% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $360,000 | $450,000 | 25.0% | 0.4% |
| Farmers Bank & Trust | $425,000 | n/a | 0.4% | |
| LENDINGHOME FUNDING CORPORATION | $415,000 | n/a | 0.3% | |
| BOKF | $405,000 | n/a | 0.3% | |
| ROYAL UNITED MORTGAGE LLC | $570,000 | $390,000 | -31.6% | 0.3% |
| ALLIED MORTGAGE GROUP, INC. | $380,000 | n/a | 0.3% | |
| Merchants Bank of Indiana | $215,000 | $335,000 | 55.8% | 0.3% |
| The Dart Bank | $335,000 | n/a | 0.3% | |
| Figure Lending LLC | $225,000 | $330,000 | 46.7% | 0.3% |
| Morgan Stanley Private Bank | $315,000 | n/a | 0.3% | |
| MID AMERICA MORTGAGE, INC. | $1,040,000 | $310,000 | -70.2% | 0.3% |
| First Bank Richmond | $325,000 | $305,000 | -6.2% | 0.3% |
| NATIONS RELIABLE LENDING, LLC | $300,000 | n/a | 0.2% | |
| Third Federal Savings and Loan Association of Cleveland | $175,000 | $300,000 | 71.4% | 0.2% |
| T2 FINANCIAL LLC | $260,000 | $295,000 | 13.5% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $255,000 | $290,000 | 13.7% | 0.2% |
| Covington Savings and Loan Association | $580,000 | $270,000 | -53.4% | 0.2% |
| Citizens State Bank of New Castle | $160,000 | $260,000 | 62.5% | 0.2% |
| AmeriHome Mortgage Company, LLC | $245,000 | n/a | 0.2% | |
| Discover Bank | $150,000 | $225,000 | 50.0% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $450,000 | $225,000 | -50.0% | 0.2% |
| PNC Bank | $595,000 | $225,000 | -62.2% | 0.2% |
| Wells Fargo Bank | $185,000 | $225,000 | 21.6% | 0.2% |
| Bethpage Federal Credit Union | $205,000 | n/a | 0.2% | |
| PLAZA HOME MORTGAGE, INC. | $205,000 | n/a | 0.2% | |
| The Federal Savings Bank | $205,000 | n/a | 0.2% | |
| ZILLOW HOME LOANS, LLC | $55,000 | $205,000 | 272.7% | 0.2% |
| Flagstar Bank, FSB | $200,000 | $185,000 | -7.5% | 0.2% |
| KeyBank | $185,000 | n/a | 0.2% | |
| LOANPAL, LLC | $65,000 | $170,000 | 161.5% | 0.1% |
| Ally Bank | $155,000 | n/a | 0.1% | |
| Bank of America | $155,000 | n/a | 0.1% | |
| NORTHERN MORTGAGE SERVICES, LLC | $275,000 | $155,000 | -43.6% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $155,000 | n/a | 0.1% | |
| The State Bank and Trust Company | $235,000 | $155,000 | -34.0% | 0.1% |
| A&D Mortgage LLC | $145,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $315,000 | $125,000 | -60.3% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $115,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $165,000 | $115,000 | -30.3% | 0.1% |
| EQUITY RESOURCES, INC. | $115,000 | n/a | 0.1% | |
| Mercantile Bank of Michigan | $205,000 | $115,000 | -43.9% | 0.1% |
| 21ST MORTGAGE CORPORATION | $105,000 | n/a | 0.1% | |
| Mr. Cooper ( Nationstar Mortgage ) | $380,000 | $105,000 | -72.4% | 0.1% |
| PURDUE FEDERAL CREDIT UNION | $105,000 | $95,000 | -9.5% | 0.1% |
| CODE | $15,000 | $90,000 | 500.0% | 0.1% |
| CIBM Bank | $85,000 | n/a | 0.1% | |
| BRIDGE | $115,000 | $45,000 | -60.9% | 0.0% |
| Coastal Community Bank | $165,000 | $45,000 | -72.7% | 0.0% |
| CMG MORTGAGE, INC. | $25,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $25,000 | n/a | 0.0% |
Greenville's top lender by overall market share is Greenville National Bank, with 14.6% market share. In second place, with 13.4%, is NEWREZ LLC, having originated $16,265,000 in loans. In third place, with 6.5%, is The Park National Bank, having originated $7,825,000 in loans. In fourth place, with 5.3%, is The Farmers State Bank, having originated $6,440,000 in loans. In fifth place, with 4.6%, is QUICKEN LOANS, LLC, having originated $5,635,000 in loans.
Greenville, OH Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 450 | $81,860,000 | $181,911 |
| Cash Out Refi | 130 | $17,480,000 | $134,462 |
| Home Improvement | 89 | $5,495,000 | $61,742 |
| Refi | 83 | $9,775,000 | $117,771 |
| Other | 81 | $6,625,000 | $81,790 |
Greenville's most frequently cited loan purpose was Home Purchase, with 450 originations. The 2nd most popular reason was Cash Out Refi, with 130 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 289 | $51,215,000 | $177,215 |
| Over 8% | 164 | $9,570,000 | $58,354 |
| 7-8% | 157 | $22,255,000 | $141,752 |
| 5-6% | 64 | $11,530,000 | $180,156 |
| <2.5% | 3 | $15,000 | $5,000 |
| 4-5% | 3 | $495,000 | $165,000 |
| 2.5-3% | 1 | $565,000 | $565,000 |
During 2024, Greenville's most frequently originated rate bucket was 6-7%, with 289 originations.
Loan Sizing (Greenville, OH MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 341 | $50,345,000 | $147,639 |
| $100,000 or less | 318 | $17,190,000 | $54,057 |
| $200k-400k | 148 | $39,150,000 | $264,527 |
| $400k-600k | 20 | $9,380,000 | $469,000 |
| $600k-1000k | 5 | $3,485,000 | $697,000 |
| $Over $1MM | 1 | $1,685,000 | $1,685,000 |
Greenville's loan sizing saw the bucket of loans from $100k-200k with 341 originations, totaling $50,345,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 289 | $54,565,000 | $188,806 |
| 60-80% | 117 | $19,795,000 | $169,188 |
| 20-40% | 105 | $7,615,000 | $72,524 |
| Under 20% | 99 | $3,405,000 | $34,394 |
| 40-60% | 58 | $7,510,000 | $129,483 |
| Over 100% | 9 | $1,605,000 | $178,333 |
Greenville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 289 originations, totaling $54,565,000 in origination value.