Jackson Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Jackson averaged 7.16% 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 7.29% and one month ago for the week of 2025-05-15, the average rate was 7.26%.

Jackson's average rate one year ago was 7%.

For refis of the same type during the week of 2025-06-18, the average rate was 7.01%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Jackson 30 Year Fixed Rate 2025-06-18 7.16%
Jackson 30 Year Fixed Rate Refi 2025-06-18 7.01%
Jackson 15 Year Fixed Rate 2025-06-18 6.06%
Jackson 15 Year Fixed Rate Refi 2025-06-18 5.86%
Jackson 30 Year FHA 2025-06-18 -0.1%
Jackson 30 Year FHA Refi 2025-06-18 -0.1%
Jackson 30 Year USDA 2025-06-18 0.2%
Jackson 30 Year USDA Refi 2025-06-18 0.2%
Jackson 30 Year VA 2025-06-18 0.2%
Jackson 30 Year VA Refi 2025-06-18 0%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Jackson, OH.

Jackson 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 Jackson, 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
The Ohio Valley Bank Company 25 6.76% $3,978
WesBanco 13 6.79% $4,477
QUICKEN LOANS, LLC 11 6.77% $5,667
Peoples Bank 9 7.06% $3,053
RAPID MORTGAGE COMPANY 9 6.93% $6,013
THE VINTON COUNTY NATIONAL BANK 8 7.20% $2,934
VANDERBILT MORTGAGE AND FINANCE, INC. 5 8.55% $4,668
CMG MORTGAGE, INC. 3 6.87% $6,729
UNITED WHOLESALE MORTGAGE, LLC 3 6.92% $6,821
Ally Bank 2 7.19% $3,743
CROSSCOUNTRY MORTGAGE, LLC 2 7.13% $6,912
EQUITY RESOURCES, INC. 2 6.69% $4,373
GUARANTEED RATE, INC. 2 6.60% $5,467
Paramount Residential Mortgage Group, Inc. 2 7.13% $6,153
WRIGHT-PATT CREDIT UNION, INC. 2 6.88% $3,032
PNC Bank 1 6.38% $4,311
NATIONS RELIABLE LENDING, LLC 1 6.13% $6,018
Quontic Bank 1 6.50% $6,816
LCNB National Bank 1 6.88% $3,333
RUOFF MORTGAGE COMPANY, INC. 1 7.50% $3,886
STOCKTON MORTGAGE CORPORATION 1 6.00% $5,363
Superior Credit Union, Inc. 1 6.50% $3,696
The Huntington National Bank 1 6.88% $4,192
HOWARD HANNA FINANCIAL SERVICES, INC. 1 7.38% $9,814
HOMELAND CREDIT UNION, INC. 1 5.88% $4,233
UNION HOME MORTGAGE CORP. 1 7.38% $6,546
First State Bank 1 7.50% $3,024
U.S. Bank 1 6.63% $4,663
Fifth Third Bank 1 6.63% $4,860
Farm Credit Mid-America, ACA 1 8.88% $4,154
NORTHERN MORTGAGE SERVICES, LLC 1 5.88% $8,862

Jackson Average Closing Costs & Other Stats

Jackson, OH's 31 lenders originated 500 loans during 2024. The total origination value was $75,950,000, with an average loan value of $151,900.

Jackson's average closing costs are $5,192.

The top Jackson lender as defined by loan originations is The Ohio Valley Bank Company, with 25 loans originated. Their average total fees are $3,978, which is $499 lower than the next largest lender, WesBanco.

The lowest fee Jackson lenders (with over 10 loans originated) are The Ohio Valley Bank Company ($3,978), WesBanco ($4,477), QUICKEN LOANS, LLC ($5,667), .

The lowest rate Jackson lenders (with over 10 loans originated) are The Ohio Valley Bank Company (6.76%), QUICKEN LOANS, LLC (6.77%), WesBanco (6.79%), .

Jackson, 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
ATOMIC CREDIT UNION, INC. $11,195,000 $14,615,000 30.5% 19.2%
The Ohio Valley Bank Company $5,675,000 $6,810,000 20.0% 9.0%
WesBanco $4,140,000 $5,595,000 35.1% 7.4%
THE VINTON COUNTY NATIONAL BANK $7,120,000 $5,175,000 -27.3% 6.8%
Paramount Residential Mortgage Group, Inc. $4,135,000 $5,110,000 23.6% 6.7%
RAPID MORTGAGE COMPANY $5,325,000 $4,505,000 -15.4% 5.9%
Peoples Bank $1,985,000 $3,680,000 85.4% 4.8%
QUICKEN LOANS, LLC $2,430,000 $3,095,000 27.4% 4.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $760,000 $1,990,000 161.8% 2.6%
UNITED WHOLESALE MORTGAGE, LLC $445,000 $1,850,000 315.7% 2.4%
GUARANTEED RATE, INC. $1,520,000 $1,530,000 0.7% 2.0%
Mortgage Research Center, LLC $1,955,000 $1,455,000 -25.6% 1.9%
CMG MORTGAGE, INC. $1,320,000 n/a 1.7%
PNC Bank $2,050,000 $1,130,000 -44.9% 1.5%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $765,000 $1,085,000 41.8% 1.4%
Kingston National Bank $265,000 $1,065,000 301.9% 1.4%
CROSSCOUNTRY MORTGAGE, LLC $615,000 $810,000 31.7% 1.1%
UNION HOME MORTGAGE CORP. $785,000 $740,000 -5.7% 1.0%
Farm Credit Mid-America, ACA $1,190,000 $605,000 -49.2% 0.8%
EQUITY RESOURCES, INC. $105,000 $570,000 442.9% 0.8%
LOANDEPOT.COM, LLC $445,000 $530,000 19.1% 0.7%
FREEDOM MORTGAGE CORPORATION $415,000 $500,000 20.5% 0.7%
The Huntington National Bank $455,000 $500,000 9.9% 0.7%
PLANET HOME LENDING, LLC $450,000 $440,000 -2.2% 0.6%
First State Bank $185,000 $370,000 100.0% 0.5%
21ST MORTGAGE CORPORATION $315,000 $365,000 15.9% 0.5%
GSF Mortgage Corporation $125,000 $360,000 188.0% 0.5%
SOUTHWEST STAGE FUNDING, LLC $340,000 $360,000 5.9% 0.5%
Third Federal Savings and Loan Association of Cleveland $350,000 n/a 0.5%
Carrington Mortgage Services, LLC $500,000 $340,000 -32.0% 0.4%
NFM, INC. $890,000 $335,000 -62.4% 0.4%
Fifth Third Bank $100,000 $315,000 215.0% 0.4%
Superior Credit Union, Inc. $315,000 n/a 0.4%
HOWARD HANNA FINANCIAL SERVICES, INC. $305,000 n/a 0.4%
U.S. Bank $345,000 $305,000 -11.6% 0.4%
Discover Bank $35,000 $295,000 742.9% 0.4%
DAS Acquisition Company, LLC $380,000 $290,000 -23.7% 0.4%
PENNYMAC LOAN SERVICES, LLC $165,000 $270,000 63.6% 0.4%
AmeriHome Mortgage Company, LLC $245,000 n/a 0.3%
VILLAGE CAPITAL MORTGAGE $145,000 $240,000 65.5% 0.3%
Atlantic Coast Mortgage, LLC $235,000 n/a 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $370,000 $235,000 -36.5% 0.3%
AMERICAN PACIFIC MORTGAGE CORPORATION $215,000 n/a 0.3%
Citizens Bank $380,000 $215,000 -43.4% 0.3%
EVANSVILLE TEACHERS $215,000 n/a 0.3%
The Loan Store, Inc. $215,000 n/a 0.3%
WRIGHT-PATT CREDIT UNION, INC. $75,000 $210,000 180.0% 0.3%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $175,000 $205,000 17.1% 0.3%
NEWREZ LLC $255,000 $185,000 -27.5% 0.2%
Quontic Bank $185,000 n/a 0.2%
BROKER SOLUTIONS, INC. $95,000 $175,000 84.2% 0.2%
CARDINAL FINANCIAL $175,000 n/a 0.2%
MORTGAGE SOLUTIONS OF COLORADO, LLC $175,000 n/a 0.2%
NORTHERN MORTGAGE SERVICES, LLC $175,000 n/a 0.2%
S1L, Inc. $175,000 n/a 0.2%
Ally Bank $170,000 n/a 0.2%
LCNB National Bank $165,000 n/a 0.2%
RUOFF MORTGAGE COMPANY, INC. $985,000 $155,000 -84.3% 0.2%
First Savings Bank $145,000 n/a 0.2%
HOMELAND CREDIT UNION, INC. $135,000 n/a 0.2%
LAKEVIEW LOAN SERVICING, LLC $135,000 n/a 0.2%
Coastal Community Bank $145,000 $125,000 -13.8% 0.2%
MOVEMENT MORTGAGE, LLC $1,180,000 $115,000 -90.3% 0.2%
NATIONS RELIABLE LENDING, LLC $115,000 n/a 0.2%
STOCKTON MORTGAGE CORPORATION $125,000 $105,000 -16.0% 0.1%
TRIAD FINANCIAL SERVICES, INC. $105,000 n/a 0.1%
Figure Lending LLC $25,000 $95,000 280.0% 0.1%
Baxter Credit Union $75,000 n/a 0.1%
Mr. Cooper ( Nationstar Mortgage ) $210,000 $65,000 -69.0% 0.1%
PENTAGON FEDERAL CREDIT UNION $55,000 $65,000 18.2% 0.1%
The Farmers Bank & Savings Company $55,000 $65,000 18.2% 0.1%
Deere Employees Credit Union $55,000 n/a 0.1%
UNIVERSAL 1 CREDIT UNION $155,000 $55,000 -64.5% 0.1%
ROYAL UNITED MORTGAGE LLC $45,000 n/a 0.1%
USAA Federal Savings Bank $485,000 $35,000 -92.8% 0.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $25,000 n/a 0.0%

Jackson's top lender by overall market share is ATOMIC CREDIT UNION, INC., with 19.2% market share. In second place, with 9.0%, is The Ohio Valley Bank Company, having originated $6,810,000 in loans. In third place, with 7.4%, is WesBanco, having originated $5,595,000 in loans. In fourth place, with 6.8%, is THE VINTON COUNTY NATIONAL BANK, having originated $5,175,000 in loans. In fifth place, with 6.7%, is Paramount Residential Mortgage Group, Inc., having originated $5,110,000 in loans.

Jackson, OH Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 261 $49,215,000 $188,563
Home Improvement 80 $5,870,000 $73,375
Other 62 $6,190,000 $99,839
Cash Out Refi 54 $7,860,000 $145,556
Refi 43 $6,815,000 $158,488

Jackson's most frequently cited loan purpose was Home Purchase, with 261 originations. The 2nd most popular reason was Home Improvement, with 80 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 142 $27,470,000 $193,451
7-8% 101 $14,845,000 $146,980
Over 8% 96 $8,120,000 $84,583
5-6% 29 $6,915,000 $238,448
3-4% 23 $1,635,000 $71,087
<2.5% 3 $235,000 $78,333
4-5% 3 $475,000 $158,333
2.5-3% 2 $560,000 $280,000

During 2024, Jackson's most frequently originated rate bucket was 6-7%, with 142 originations.

Loan Sizing (Jackson, OH MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 206 $29,830,000 $144,806
$100,000 or less 174 $10,170,000 $58,448
$200k-400k 102 $27,040,000 $265,098
$400k-600k 14 $5,990,000 $427,857
$600k-1000k 3 $1,855,000 $618,333
$Over $1MM 1 $1,065,000 $1,065,000

Jackson's loan sizing saw the bucket of loans from $100k-200k with 206 originations, totaling $29,830,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 188 $35,920,000 $191,064
60-80% 71 $12,355,000 $174,014
20-40% 51 $3,955,000 $77,549
Under 20% 40 $1,610,000 $40,250
40-60% 35 $3,895,000 $111,286
Over 100% 8 $1,430,000 $178,750

Jackson's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 188 originations, totaling $35,920,000 in origination value.