Mount Vernon Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Mount Vernon averaged
7.24%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.5% and
one month ago for the week of 2026-10-01, the
average rate was 7.54%.
Mount Vernon's average rate one year ago was 6.33%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.68%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Mount Vernon 30 Year Fixed Rate | 2026-11-05 | 7.24% |
| Mount Vernon 30 Year Fixed Rate Refi | 2026-11-05 | 7.68% |
| Mount Vernon 15 Year Fixed Rate | 2026-11-05 | 6.67% |
| Mount Vernon 15 Year Fixed Rate Refi | 2026-11-05 | 6.87% |
| Mount Vernon 30 Year FHA | 2026-11-05 | 6.96% |
| Mount Vernon 30 Year FHA Refi | 2026-11-05 | 6.73% |
| Mount Vernon 30 Year USDA | 2026-11-05 | 6.9% |
| Mount Vernon 30 Year USDA Refi | 2026-11-05 | 6.9% |
| Mount Vernon 30 Year VA | 2026-11-05 | 6.65% |
| Mount Vernon 30 Year VA Refi | 2026-11-05 | 6.76% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Mount Vernon, OH.
Mount Vernon 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 Mount Vernon, 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.).
Mount Vernon Average Closing Costs & Other Stats
Mount Vernon, OH's 90 lenders originated 1,627
loans during 2025. The total origination value was $367,555,000, with an average loan value of
$225,910.
Mount Vernon's average closing costs are $4,958.
The top Mount Vernon lender as defined by loan originations is The Park National Bank, with
104 loans originated. Their average total fees are
$4,416, which is $950
lower than the next largest lender,
FAIRWAY INDEPENDENT MORTGAGE CORPORATION.
The lowest fee Mount Vernon lenders (with over 10 loans originated) are
Mechanics Bank ($3,218), JPMorgan Chase Bank ($3,497), RUOFF MORTGAGE COMPANY, INC. ($3,511), The Park National Bank ($4,416) and Farm Credit Mid-America, ACA ($4,823).
The lowest rate Mount Vernon lenders (with over 10 loans originated) are
Mechanics Bank (6.04%), JPMorgan Chase Bank (6.43%), The Huntington National Bank (6.60%), NFM, INC. (6.67%) and UNITED WHOLESALE MORTGAGE, LLC (6.70%).
Mount Vernon, 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 | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| The Park National Bank | $34,705,000 | $48,590,000 | 40.0% | 13.2% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $23,720,000 | n/a | 6.5% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $13,590,000 | $20,870,000 | 53.6% | 5.7% |
| QUICKEN LOANS, LLC | $15,170,000 | $18,165,000 | 19.7% | 4.9% |
| UNION HOME MORTGAGE CORP. | $15,950,000 | $16,905,000 | 6.0% | 4.6% |
| The Huntington National Bank | $16,465,000 | $15,525,000 | -5.7% | 4.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $10,395,000 | $12,880,000 | 23.9% | 3.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $4,545,000 | $7,945,000 | 74.8% | 2.2% |
| NFM, INC. | $5,485,000 | $7,735,000 | 41.0% | 2.1% |
| RUOFF MORTGAGE COMPANY, INC. | $7,700,000 | $7,425,000 | -3.6% | 2.0% |
| C E S | $3,905,000 | $6,905,000 | 76.8% | 1.9% |
| Farm Credit Mid-America, ACA | $6,830,000 | $6,040,000 | -11.6% | 1.6% |
| FREEDOM MORTGAGE CORPORATION | $5,410,000 | $5,755,000 | 6.4% | 1.6% |
| PNC Bank | $6,335,000 | $5,585,000 | -11.8% | 1.5% |
| Mortgage Research Center, LLC | $4,375,000 | $5,425,000 | 24.0% | 1.5% |
| JPMorgan Chase Bank | $4,990,000 | $5,335,000 | 6.9% | 1.5% |
| Union Savings Bank | $4,000,000 | $5,145,000 | 28.6% | 1.4% |
| EQUITY RESOURCES, INC. | $4,380,000 | $5,130,000 | 17.1% | 1.4% |
| First Commonwealth Bank | $2,895,000 | $5,125,000 | 77.0% | 1.4% |
| NEWREZ LLC | $3,510,000 | $5,105,000 | 45.4% | 1.4% |
| PENNYMAC LOAN SERVICES, LLC | $2,325,000 | $4,485,000 | 92.9% | 1.2% |
| Mechanics Bank | $2,655,000 | $4,285,000 | 61.4% | 1.2% |
| Fifth Third Bank | $2,655,000 | $3,685,000 | 38.8% | 1.0% |
| U.S. Bank | $1,750,000 | $3,635,000 | 107.7% | 1.0% |
| First Financial Bank | $1,955,000 | $3,575,000 | 82.9% | 1.0% |
| HOMESIDE FINANCIAL, LLC | $2,325,000 | $3,495,000 | 50.3% | 1.0% |
| Wayne Savings Community Bank | $175,000 | $3,255,000 | 1,760.0% | 0.9% |
| NAVY FEDERAL CREDIT UNION | $1,180,000 | $3,245,000 | 175.0% | 0.9% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | $830,000 | $2,975,000 | 258.4% | 0.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $860,000 | $2,855,000 | 232.0% | 0.8% |
| Third Federal Savings and Loan Association of Cleveland | $2,975,000 | $2,815,000 | -5.4% | 0.8% |
| KEMBA FINANCIAL | $1,510,000 | $2,625,000 | 73.8% | 0.7% |
| THE VINTON COUNTY NATIONAL BANK | $535,000 | $2,570,000 | 380.4% | 0.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $2,545,000 | n/a | 0.7% | |
| BROKER SOLUTIONS, INC. | $325,000 | $2,510,000 | 672.3% | 0.7% |
| GUARANTEED RATE, INC. | $1,445,000 | $2,270,000 | 57.1% | 0.6% |
| WRIGHT-PATT CREDIT UNION, INC. | $1,800,000 | $2,030,000 | 12.8% | 0.6% |
| LOANDEPOT.COM, LLC | $1,470,000 | $1,870,000 | 27.2% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $880,000 | $1,830,000 | 108.0% | 0.5% |
| KeyBank | $215,000 | $1,800,000 | 737.2% | 0.5% |
| FIRST COMMUNITY MORTGAGE, INC. | $610,000 | $1,780,000 | 191.8% | 0.5% |
| RAPID MORTGAGE COMPANY | $1,695,000 | n/a | 0.5% | |
| First Federal Savings and Loan Association | $530,000 | $1,640,000 | 209.4% | 0.4% |
| T2 FINANCIAL LLC | $1,410,000 | $1,535,000 | 8.9% | 0.4% |
| THE EQUITABLE MORTGAGE CORPORATION | $2,365,000 | $1,455,000 | -38.5% | 0.4% |
| CNB Bank | $1,335,000 | $1,410,000 | 5.6% | 0.4% |
| TELHIO | $775,000 | $1,365,000 | 76.1% | 0.4% |
| The Federal Savings Bank | $265,000 | $1,295,000 | 388.7% | 0.4% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $3,375,000 | $1,265,000 | -62.5% | 0.3% |
| AmeriHome Mortgage Company, LLC | $1,215,000 | n/a | 0.3% | |
| The Union Bank Company | $420,000 | $1,210,000 | 188.1% | 0.3% |
| The Commercial and Savings Bank of Millersburg Ohio | $405,000 | $1,200,000 | 196.3% | 0.3% |
| LENDINGHOME FUNDING CORPORATION | $165,000 | $1,195,000 | 624.2% | 0.3% |
| UBS Bank USA | $1,185,000 | n/a | 0.3% | |
| Prosperity Home Mortgage, LLC | $245,000 | $1,180,000 | 381.6% | 0.3% |
| NEW DAY FINANCIAL, LLC | $1,650,000 | $1,150,000 | -30.3% | 0.3% |
| AMERICAN FINANCING CORPORATION | $125,000 | $1,125,000 | 800.0% | 0.3% |
| Morgan Stanley Private Bank | $1,125,000 | n/a | 0.3% | |
| FIRST OHIO HOME FINANCE, INC. | $855,000 | $1,085,000 | 26.9% | 0.3% |
| Civista Bank | $410,000 | $1,080,000 | 163.4% | 0.3% |
| First Merchants Bank | $1,180,000 | $1,045,000 | -11.4% | 0.3% |
| First Federal Savings and Loan Association of Lakewood | $1,020,000 | $995,000 | -2.5% | 0.3% |
| WesBanco | $590,000 | $995,000 | 68.6% | 0.3% |
| ZILLOW HOME LOANS, LLC | $340,000 | $965,000 | 183.8% | 0.3% |
| LOANPAL, LLC | $1,115,000 | $925,000 | -17.0% | 0.3% |
| First Citizens National Bank | $920,000 | n/a | 0.3% | |
| Carrington Mortgage Services, LLC | $125,000 | $885,000 | 608.0% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $775,000 | $795,000 | 2.6% | 0.2% |
| GSF Mortgage Corporation | $3,090,000 | $795,000 | -74.3% | 0.2% |
| Commerce Home Mortgage, Inc. | $165,000 | $765,000 | 363.6% | 0.2% |
| The Community Bank | $905,000 | $760,000 | -16.0% | 0.2% |
| Flagstar Bank, FSB | $765,000 | $735,000 | -3.9% | 0.2% |
| PLANET HOME LENDING, LLC | $720,000 | n/a | 0.2% | |
| SOUTHWEST STAGE FUNDING, LLC | $720,000 | n/a | 0.2% | |
| GUARANTEED RATE AFFINITY, LLC | $895,000 | $700,000 | -21.8% | 0.2% |
| CME Federal Credit Union | $175,000 | $695,000 | 297.1% | 0.2% |
| Plains Commerce Bank | $795,000 | $665,000 | -16.4% | 0.2% |
| Coastal Community Bank | $65,000 | $655,000 | 907.7% | 0.2% |
| BMI Federal Credit Union | $780,000 | $650,000 | -16.7% | 0.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $135,000 | $635,000 | 370.4% | 0.2% |
| East Coast Capital Corp. | $315,000 | $630,000 | 100.0% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $1,510,000 | $630,000 | -58.3% | 0.2% |
| Peoples Bank | $1,070,000 | $630,000 | -41.1% | 0.2% |
| German American Bank | $625,000 | n/a | 0.2% | |
| BRIDGE | $45,000 | $610,000 | 1,255.6% | 0.2% |
| TrueCore Federal Credit Union | $125,000 | $585,000 | 368.0% | 0.2% |
| ROYAL UNITED MORTGAGE LLC | $325,000 | $570,000 | 75.4% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $180,000 | $560,000 | 211.1% | 0.2% |
| Citizens Bank | $800,000 | $555,000 | -30.6% | 0.2% |
| SPRING EQ, LLC | $180,000 | $555,000 | 208.3% | 0.2% |
| USAA Federal Savings Bank | $1,505,000 | $540,000 | -64.1% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,035,000 | $530,000 | -48.8% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $490,000 | n/a | 0.1% | |
| Peoples State Bank | $490,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $280,000 | $475,000 | 69.6% | 0.1% |
| CLEARPATH LENDING | $305,000 | $470,000 | 54.1% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $465,000 | n/a | 0.1% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $95,000 | $455,000 | 378.9% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $430,000 | n/a | 0.1% | |
| S1L, Inc. | $195,000 | $415,000 | 112.8% | 0.1% |
| MILEND, INC. | $410,000 | n/a | 0.1% | |
| TOP FLITE FINANCIAL, INC. | $155,000 | $410,000 | 164.5% | 0.1% |
| GENEVA FINANCIAL, LLC | $660,000 | $395,000 | -40.2% | 0.1% |
| First National Bank of Pennsylvania | $270,000 | $385,000 | 42.6% | 0.1% |
| The Richwood Banking Company | $385,000 | n/a | 0.1% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $375,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $350,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $195,000 | $345,000 | 76.9% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,095,000 | $345,000 | -68.5% | 0.1% |
| BAYSHORE MORTGAGE FUNDING, LLC | $185,000 | $335,000 | 81.1% | 0.1% |
| THE MORTGAGE FIRM, INC. | $335,000 | n/a | 0.1% | |
| NBKC BANK | $405,000 | $315,000 | -22.2% | 0.1% |
| EVERETT FINANCIAL, INC. | $305,000 | n/a | 0.1% | |
| YOUR HOME FINANCIAL LLC | $305,000 | n/a | 0.1% | |
| Figure Lending LLC | $800,000 | $300,000 | -62.5% | 0.1% |
| Stifel Bank and Trust | $275,000 | n/a | 0.1% | |
| US MORTGAGE CORPORATION | $275,000 | n/a | 0.1% | |
| RF Renovo Management Company, LLC | $270,000 | n/a | 0.1% | |
| ENVOY MORTGAGE, LTD | $265,000 | n/a | 0.1% | |
| FirstBank | $265,000 | n/a | 0.1% | |
| HomePromise Corporation | $265,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $35,000 | $265,000 | 657.1% | 0.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $315,000 | $260,000 | -17.5% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $765,000 | $255,000 | -66.7% | 0.1% |
| DAS Acquisition Company, LLC | $880,000 | $255,000 | -71.0% | 0.1% |
| POLARIS HOME FUNDING CORP. | $560,000 | $245,000 | -56.3% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $165,000 | $215,000 | 30.3% | 0.1% |
| Fidelity Federal Savings and Loan Association | $550,000 | $215,000 | -60.9% | 0.1% |
| LIBERTY HOME MORTGAGE CORPORATION | $350,000 | $215,000 | -38.6% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $605,000 | $215,000 | -64.5% | 0.1% |
| 21ST MORTGAGE CORPORATION | $55,000 | $210,000 | 281.8% | 0.1% |
| BAY EQUITY LLC | $205,000 | n/a | 0.1% | |
| Discover Bank | $370,000 | $205,000 | -44.6% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $205,000 | n/a | 0.1% | |
| Sutton Bank | $205,000 | n/a | 0.1% | |
| Pathways Financial Credit Union, Inc. | $250,000 | $200,000 | -20.0% | 0.1% |
| AHL FUNDING | $195,000 | n/a | 0.1% | |
| Ixonia Bank | $195,000 | n/a | 0.1% | |
| ALLIANT CREDIT UNION | $560,000 | $185,000 | -67.0% | 0.1% |
| Carrollton Bank | $185,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $835,000 | $185,000 | -77.8% | 0.1% |
| Logan Finance Corporation | $175,000 | n/a | 0.0% | |
| The State Bank and Trust Company | $1,765,000 | $175,000 | -90.1% | 0.0% |
| LIMA ONE CAPITAL, LLC | $165,000 | n/a | 0.0% | |
| AG Credit, Agricultural Credit Association | $685,000 | $155,000 | -77.4% | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | $155,000 | n/a | 0.0% | |
| GENERAL ELECTRIC CREDIT UNION | $145,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $125,000 | n/a | 0.0% | |
| Baxter Credit Union | $25,000 | $110,000 | 340.0% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $355,000 | $105,000 | -70.4% | 0.0% |
| EDUCATION FIRST CREDIT UNION, INC. | $105,000 | n/a | 0.0% | |
| ENDEAVOR CAPITAL, LLC. | $405,000 | $105,000 | -74.1% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $350,000 | $105,000 | -70.0% | 0.0% |
| KINECTA | $95,000 | n/a | 0.0% | |
| HONDA Federal Credit Union | $540,000 | $75,000 | -86.1% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $75,000 | n/a | 0.0% | |
| The Farmers National Bank of Canfield | $1,055,000 | $75,000 | -92.9% | 0.0% |
| CARDINAL FINANCIAL | $395,000 | $65,000 | -83.5% | 0.0% |
| Bank of America | $170,000 | $45,000 | -73.5% | 0.0% |
| The Loan Store, Inc. | $45,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $420,000 | $25,000 | -94.0% | 0.0% |
Mount Vernon's top lender by overall market share is The Park National Bank, with 13.2% market share. In second place, with 6.5%, is BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC, having originated $23,720,000 in loans. In third place, with 5.7%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $20,870,000 in loans. In fourth place, with 4.9%, is QUICKEN LOANS, LLC, having originated $18,165,000 in loans. In fifth place, with 4.6%, is UNION HOME MORTGAGE CORP., having originated $16,905,000 in loans.
Mount Vernon Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Mount Vernon (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 | $140,563 (0.9%) | $187,948 (1.2%) | 0.00 | 154 |
| 2018-02-01 | $142,475 (4.1%) | $189,520 (7.2%) | 0.00 | 142 |
| 2018-03-01 | $154,950 (6.3%) | $202,841 (7.2%) | 0.00 | 161 |
| 2018-04-01 | $177,419 (18.5%) | $230,938 (21.2%) | 0.00 | 169 |
| 2018-05-01 | $179,250 (22.0%) | $239,226 (23.8%) | 0.00 | 215 |
| 2018-06-01 | $164,950 (17.0%) | $230,228 (16.5%) | 0.00 | 221 |
| 2018-07-01 | $159,925 (14.3%) | $228,947 (14.5%) | 0.00 | 200 |
| 2018-08-01 | $163,725 (17.0%) | $227,687 (17.9%) | 0.00 | 198 |
| 2018-09-01 | $164,950 (19.8%) | $232,824 (27.2%) | 0.00 | 201 |
| 2018-10-01 | $157,350 (12.5%) | $225,115 (23.5%) | 0.00 | 199 |
| 2018-11-01 | $156,000 (9.4%) | $222,221 (22.6%) | 0.00 | 178 |
| 2018-12-01 | $159,200 (11.4%) | $215,354 (15.2%) | 0.00 | 160 |
| 2019-01-01 | $167,600 (19.2%) | $233,945 (24.5%) | 0.00 | 143 |
| 2019-02-01 | $162,900 (14.3%) | $236,469 (24.8%) | 0.00 | 132 |
| 2019-03-01 | $168,086 (8.5%) | $239,515 (18.1%) | 0.00 | 150 |
| 2019-04-01 | $174,136 (-1.9%) | $247,653 (7.2%) | 0.00 | 175 |
| 2019-05-01 | $183,738 (2.5%) | $244,322 (2.1%) | 0.00 | 199 |
| 2019-06-01 | $179,900 (9.1%) | $259,507 (12.7%) | 0.00 | 190 |
| 2019-07-01 | $188,000 (17.6%) | $248,337 (8.5%) | 0.00 | 207 |
| 2019-08-01 | $188,164 (14.9%) | $254,247 (11.7%) | 0.00 | 192 |
| 2019-09-01 | $186,328 (13.0%) | $255,960 (9.9%) | 0.00 | 162 |
| 2019-10-01 | $184,900 (17.5%) | $263,818 (17.2%) | 0.00 | 139 |
| 2019-11-01 | $185,000 (18.6%) | $274,911 (23.7%) | 0.00 | 138 |
| 2019-12-01 | $178,425 (12.1%) | $260,842 (21.1%) | 0.00 | 136 |
| 2020-01-01 | $173,175 (3.3%) | $257,404 (10.0%) | 0.00 | 116 |
| 2020-02-01 | $174,950 (7.4%) | $259,586 (9.8%) | 0.00 | 93 |
| 2020-03-01 | $174,950 (4.1%) | $253,400 (5.8%) | 0.00 | 94 |
| 2020-04-01 | $165,250 (-5.1%) | $248,128 (0.2%) | 0.00 | 99 |
| 2020-05-01 | $179,900 (-2.1%) | $270,963 (10.9%) | 0.00 | 99 |
| 2020-06-01 | $187,400 (4.2%) | $288,378 (11.1%) | 0.00 | 76 |
| 2020-07-01 | $197,450 (5.0%) | $303,778 (22.3%) | 0.00 | 62 |
| 2020-08-01 | $181,950 (-3.3%) | $328,017 (29.0%) | 0.00 | 45 |
| 2020-09-01 | $199,450 (7.0%) | $300,101 (17.2%) | 0.00 | 52 |
| 2020-10-01 | $188,750 (2.1%) | $249,444 (-5.5%) | 0.00 | 48 |
| 2020-11-01 | $155,950 (-15.7%) | $216,434 (-21.3%) | 0.00 | 56 |
| 2020-12-01 | $147,450 (-17.4%) | $202,323 (-22.4%) | 0.00 | 39 |
| 2021-01-01 | $147,450 (-14.9%) | $183,959 (-28.5%) | 0.00 | 31 |
| 2021-02-01 | $151,175 (-13.6%) | $204,847 (-21.1%) | 0.00 | 22 |
| 2021-03-01 | $182,825 (4.5%) | $222,535 (-12.2%) | 0.00 | 27 |
| 2021-04-01 | $231,950 (40.4%) | $295,745 (19.2%) | 0.00 | 29 |
| 2021-05-01 | $202,400 (12.5%) | $264,288 (-2.5%) | 0.00 | 32 |
| 2021-06-01 | $227,450 (21.4%) | $299,401 (3.8%) | 0.00 | 40 |
| 2021-07-01 | $217,450 (10.1%) | $333,485 (9.8%) | 0.00 | 60 |
| 2021-08-01 | $247,425 (36.0%) | $380,513 (16.0%) | 0.00 | 60 |
| 2021-09-01 | $245,169 (22.9%) | $372,429 (24.1%) | 0.00 | 67 |
| 2021-10-01 | $244,950 (29.8%) | $399,420 (60.1%) | 0.00 | 68 |
| 2021-11-01 | $227,500 (45.9%) | $360,620 (66.6%) | 0.00 | 63 |
| 2021-12-01 | $227,450 (54.3%) | $343,143 (69.6%) | 0.00 | 52 |
| 2022-01-01 | $252,900 (71.5%) | $360,421 (95.9%) | 0.00 | 41 |
| 2022-02-01 | $253,650 (67.8%) | $320,057 (56.2%) | 0.00 | 34 |
| 2022-03-01 | $268,363 (46.8%) | $291,396 (30.9%) | 0.00 | 39 |
| 2022-04-01 | $233,000 (0.5%) | $276,511 (-6.5%) | 0.00 | 43 |
| 2022-05-01 | $196,950 (-2.7%) | $298,070 (12.8%) | 0.00 | 42 |
| 2022-06-01 | $246,175 (8.2%) | $337,085 (12.6%) | 0.00 | 56 |
| 2022-07-01 | $249,900 (14.9%) | $357,895 (7.3%) | 0.00 | 58 |
| 2022-08-01 | $284,614 (15.0%) | $390,323 (2.6%) | 0.00 | 63 |
| 2022-09-01 | $322,475 (31.5%) | $437,631 (17.5%) | 0.00 | 59 |
| 2022-10-01 | $284,950 (16.3%) | $433,353 (8.5%) | 0.00 | 66 |
| 2022-11-01 | $327,450 (43.9%) | $462,396 (28.2%) | 0.00 | 66 |
| 2022-12-01 | $264,900 (16.5%) | $364,352 (6.2%) | 0.00 | 59 |
| 2023-01-01 | $297,425 (17.6%) | $373,668 (3.7%) | 0.00 | 61 |
| 2023-02-01 | $298,400 (17.6%) | $393,655 (23.0%) | 0.00 | 60 |
| 2023-03-01 | $317,450 (18.3%) | $410,240 (40.8%) | 0.00 | 57 |
| 2023-04-01 | $337,000 (44.6%) | $450,804 (63.0%) | 0.00 | 55 |
| 2023-05-01 | $371,225 (88.5%) | $467,580 (56.9%) | 0.00 | 63 |
| 2023-06-01 | $381,225 (54.9%) | $490,973 (45.7%) | 0.00 | 79 |
| 2023-07-01 | $359,950 (44.0%) | $437,512 (22.3%) | 0.00 | 79 |
| 2023-08-01 | $374,950 (31.7%) | $459,634 (17.8%) | 0.00 | 90 |
| 2023-09-01 | $350,000 (8.5%) | $411,815 (-5.9%) | 0.00 | 94 |
| 2023-10-01 | $345,000 (21.1%) | $434,493 (0.3%) | 0.00 | 109 |
| 2023-11-01 | $333,750 (1.9%) | $426,934 (-7.7%) | 0.00 | 101 |
| 2023-12-01 | $340,000 (28.4%) | $433,855 (19.1%) | 0.00 | 86 |
| 2024-01-01 | $341,225 (14.7%) | $452,868 (21.2%) | 0.00 | 67 |
| 2024-02-01 | $352,925 (18.3%) | $471,843 (19.9%) | 0.00 | 66 |
| 2024-03-01 | $362,000 (14.0%) | $506,517 (23.5%) | 0.00 | 67 |
| 2024-04-01 | $399,975 (18.7%) | $560,702 (24.4%) | 0.00 | 73 |
| 2024-05-01 | $411,225 (10.8%) | $589,862 (26.2%) | 0.00 | 82 |
| 2024-06-01 | $399,900 (4.9%) | $551,978 (12.4%) | 0.00 | 87 |
| 2024-07-01 | $324,900 (-9.7%) | $414,388 (-5.3%) | 0.00 | 150 |
| 2024-08-01 | $347,400 (-7.4%) | $479,182 (4.3%) | 0.00 | 120 |
| 2024-09-01 | $363,250 (3.8%) | $478,857 (16.3%) | 0.00 | 120 |
| 2024-10-01 | $377,400 (9.4%) | $501,845 (15.5%) | 0.00 | 129 |
| 2024-11-01 | $361,000 (8.2%) | $448,736 (5.1%) | 0.00 | 128 |
| 2024-12-01 | $349,900 (2.9%) | $459,666 (6.0%) | 0.00 | 113 |
| 2025-01-01 | $347,899 (2.0%) | $450,123 (-0.6%) | 0.00 | 108 |
| 2025-02-01 | $352,000 (-0.3%) | $465,797 (-1.3%) | 0.00 | 101 |
| 2025-03-01 | $355,000 (-1.9%) | $480,032 (-5.2%) | 0.00 | 107 |
| 2025-04-01 | $387,000 (-3.2%) | $490,342 (-12.6%) | 0.00 | 133 |
| 2025-05-01 | $373,900 (-9.1%) | $494,438 (-16.2%) | 0.00 | 139 |
| 2025-06-01 | $387,850 (-3.0%) | $517,190 (-6.3%) | 0.00 | 150 |
| 2025-07-01 | $382,419 (17.7%) | $530,335 (28.0%) | 0.00 | 162 |
| 2025-08-01 | $360,000 (3.6%) | $529,300 (10.5%) | 0.00 | 151 |
| 2025-09-01 | $357,500 (-1.6%) | $519,360 (8.5%) | 0.00 | 135 |
| 2025-10-01 | $362,425 (-4.0%) | $500,100 (-0.4%) | 0.00 | 144 |
| 2025-11-01 | $344,900 (-4.5%) | $478,750 (6.7%) | 0.00 | 143 |
| 2025-12-01 | $357,250 (2.1%) | $512,189 (11.4%) | 0.00 | 113 |
| 2026-01-01 | $340,000 (-2.3%) | $493,632 (9.7%) | 0.00 | 96 |
| 2026-02-01 | $331,000 (-6.0%) | $462,991 (-0.6%) | 0.00 | 90 |
| 2026-03-01 | $347,250 (-2.2%) | $461,546 (-3.9%) | 0.00 | 93 |
| 2026-04-01 | $368,119 (-4.9%) | $501,492 (2.3%) | 0.00 | 98 |
| 2026-05-01 | $377,777 (1.0%) | $455,980 (-7.8%) | 0.00 | 120 |
| 2026-06-01 | $389,357 (0.4%) | $483,178 (-6.6%) | 0.00 | 147 |
| 2026-07-01 | $402,962 (5.4%) | $488,464 (-7.9%) | 0.00 | 149 |
| 2026-08-01 | $398,750 (10.8%) | $477,108 (-9.9%) | 0.00 | 141 |
| 2026-09-01 | $399,950 (11.9%) | $454,097 (-12.6%) | 0.00 | 155 |
| 2026-10-01 | $397,450 (9.7%) | $447,029 (-10.6%) | 0.00 | 153 |
Mount Vernon's median listing price for 2026-10-01 was $397,450, a difference of
$35,025
(9.7%) versus the prior year and
$-2,500 versus the prior month.
Mount Vernon's median listing price comes in at 0% of the national average.
Mount Vernon's average listing price for 2026-10-01 was $447,029, a difference of $-53,071 (-10.6%) versus the prior year and $-7,068 versus the prior month.
For the 2026-10-01 period, Mount Vernon had 153 MLS listings, a difference of -2 listings (-1%) versus the prior month and 9 listings (6%) versus the prior year.
Mount Vernon's median listing price comes in at 0% of the national average.
Mount Vernon's average listing price for 2026-10-01 was $447,029, a difference of $-53,071 (-10.6%) versus the prior year and $-7,068 versus the prior month.
For the 2026-10-01 period, Mount Vernon had 153 MLS listings, a difference of -2 listings (-1%) versus the prior month and 9 listings (6%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Mount Vernon (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,637 sqft |
| 2018-02-01 | 0 days | 1,612 sqft |
| 2018-03-01 | 0 days | 1,692 sqft |
| 2018-04-01 | 0 days | 1,820 sqft |
| 2018-05-01 | 0 days | 1,864 sqft |
| 2018-06-01 | 0 days | 1,852 sqft |
| 2018-07-01 | 0 days | 1,744 sqft |
| 2018-08-01 | 0 days | 1,695 sqft |
| 2018-09-01 | 0 days | 1,771 sqft |
| 2018-10-01 | 0 days | 1,768 sqft |
| 2018-11-01 | 0 days | 1,729 sqft |
| 2018-12-01 | 0 days | 1,678 sqft |
| 2019-01-01 | 0 days | 1,680 sqft |
| 2019-02-01 | 0 days | 1,678 sqft |
| 2019-03-01 | 0 days | 1,698 sqft |
| 2019-04-01 | 0 days | 1,724 sqft |
| 2019-05-01 | 0 days | 1,803 sqft |
| 2019-06-01 | 0 days | 1,840 sqft |
| 2019-07-01 | 0 days | 1,809 sqft |
| 2019-08-01 | 0 days | 1,849 sqft |
| 2019-09-01 | 0 days | 1,903 sqft |
| 2019-10-01 | 0 days | 1,944 sqft |
| 2019-11-01 | 0 days | 1,943 sqft |
| 2019-12-01 | 0 days | 1,820 sqft |
| 2020-01-01 | 0 days | 1,855 sqft |
| 2020-02-01 | 0 days | 1,810 sqft |
| 2020-03-01 | 0 days | 1,706 sqft |
| 2020-04-01 | 0 days | 1,788 sqft |
| 2020-05-01 | 0 days | 1,820 sqft |
| 2020-06-01 | 0 days | 1,869 sqft |
| 2020-07-01 | 0 days | 1,728 sqft |
| 2020-08-01 | 0 days | 1,864 sqft |
| 2020-09-01 | 0 days | 1,835 sqft |
| 2020-10-01 | 0 days | 1,668 sqft |
| 2020-11-01 | 0 days | 1,592 sqft |
| 2020-12-01 | 0 days | 1,576 sqft |
| 2021-01-01 | 0 days | 1,628 sqft |
| 2021-02-01 | 0 days | 1,410 sqft |
| 2021-03-01 | 0 days | 1,587 sqft |
| 2021-04-01 | 0 days | 2,228 sqft |
| 2021-05-01 | 0 days | 1,767 sqft |
| 2021-06-01 | 0 days | 1,821 sqft |
| 2021-07-01 | 0 days | 1,728 sqft |
| 2021-08-01 | 0 days | 1,884 sqft |
| 2021-09-01 | 0 days | 1,949 sqft |
| 2021-10-01 | 0 days | 2,033 sqft |
| 2021-11-01 | 0 days | 2,068 sqft |
| 2021-12-01 | 0 days | 1,932 sqft |
| 2022-01-01 | 0 days | 1,928 sqft |
| 2022-02-01 | 0 days | 1,784 sqft |
| 2022-03-01 | 0 days | 1,859 sqft |
| 2022-04-01 | 0 days | 1,970 sqft |
| 2022-05-01 | 0 days | 1,705 sqft |
| 2022-06-01 | 0 days | 1,942 sqft |
| 2022-07-01 | 0 days | 1,805 sqft |
| 2022-08-01 | 0 days | 1,856 sqft |
| 2022-09-01 | 0 days | 1,925 sqft |
| 2022-10-01 | 0 days | 1,897 sqft |
| 2022-11-01 | 0 days | 2,085 sqft |
| 2022-12-01 | 0 days | 1,681 sqft |
| 2023-01-01 | 0 days | 1,792 sqft |
| 2023-02-01 | 0 days | 1,890 sqft |
| 2023-03-01 | 0 days | 2,073 sqft |
| 2023-04-01 | 0 days | 2,008 sqft |
| 2023-05-01 | 0 days | 2,163 sqft |
| 2023-06-01 | 0 days | 2,224 sqft |
| 2023-07-01 | 0 days | 2,200 sqft |
| 2023-08-01 | 0 days | 2,236 sqft |
| 2023-09-01 | 0 days | 2,131 sqft |
| 2023-10-01 | 0 days | 2,033 sqft |
| 2023-11-01 | 0 days | 1,964 sqft |
| 2023-12-01 | 0 days | 1,865 sqft |
| 2024-01-01 | 0 days | 1,874 sqft |
| 2024-02-01 | 0 days | 2,148 sqft |
| 2024-03-01 | 0 days | 2,114 sqft |
| 2024-04-01 | 0 days | 2,196 sqft |
| 2024-05-01 | 0 days | 2,196 sqft |
| 2024-06-01 | 0 days | 2,048 sqft |
| 2024-07-01 | 0 days | 2,025 sqft |
| 2024-08-01 | 0 days | 1,944 sqft |
| 2024-09-01 | 0 days | 1,962 sqft |
| 2024-10-01 | 0 days | 1,958 sqft |
| 2024-11-01 | 0 days | 1,836 sqft |
| 2024-12-01 | 0 days | 1,861 sqft |
| 2025-01-01 | 0 days | 1,804 sqft |
| 2025-02-01 | 0 days | 1,724 sqft |
| 2025-03-01 | 0 days | 2,024 sqft |
| 2025-04-01 | 0 days | 2,060 sqft |
| 2025-05-01 | 0 days | 2,100 sqft |
| 2025-06-01 | 0 days | 2,185 sqft |
| 2025-07-01 | 0 days | 2,091 sqft |
| 2025-08-01 | 0 days | 1,945 sqft |
| 2025-09-01 | 0 days | 1,948 sqft |
| 2025-10-01 | 0 days | 1,983 sqft |
| 2025-11-01 | 0 days | 1,876 sqft |
| 2025-12-01 | 0 days | 1,839 sqft |
| 2026-01-01 | 0 days | 1,805 sqft |
| 2026-02-01 | 0 days | 1,824 sqft |
| 2026-03-01 | 0 days | 1,915 sqft |
| 2026-04-01 | 0 days | 1,993 sqft |
| 2026-05-01 | 0 days | 1,935 sqft |
| 2026-06-01 | 0 days | 2,014 sqft |
| 2026-07-01 | 0 days | 2,071 sqft |
| 2026-08-01 | 0 days | 2,068 sqft |
| 2026-09-01 | 0 days | 2,048 sqft |
| 2026-10-01 | 0 days | 2,061 sqft |
Mount Vernon's median listing age (time on market) for 2026-10-01 was 0 days.
Mount Vernon's median square footage for active listings during the 2026-10-01 period was 2,061 sqft. One year prior, the average listing was 1,983 sqft.
Mount Vernon's median square footage for active listings during the 2026-10-01 period was 2,061 sqft. One year prior, the average listing was 1,983 sqft.
Mount Vernon, OH Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 805 | $215,875,000 | $268,168 |
| Refi | 248 | $54,520,000 | $219,839 |
| Cash Out Refi | 239 | $66,185,000 | $276,925 |
| Other | 176 | $16,350,000 | $92,898 |
| Home Improvement | 159 | $14,625,000 | $91,981 |
Mount Vernon's most frequently cited loan purpose was Home Purchase, with 805 originations. The 2nd most popular reason was Refi, with 248 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 681 | $172,405,000 | $253,164 |
| 7-8% | 429 | $72,985,000 | $170,128 |
| 5-6% | 222 | $59,240,000 | $266,847 |
| Over 8% | 174 | $15,570,000 | $89,483 |
| 4-5% | 16 | $4,970,000 | $310,625 |
| <2.5% | 3 | $235,000 | $78,333 |
| 2.5-3% | 2 | $250,000 | $125,000 |
| 3-4% | 1 | $715,000 | $715,000 |
During 2025, Mount Vernon's most frequently originated rate bucket was 6-7%, with 681 originations.
Loan Sizing (Mount Vernon, OH MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 591 | $163,805,000 | $277,166 |
| $100k-200k | 463 | $70,855,000 | $153,035 |
| $100,000 or less | 414 | $22,510,000 | $54,372 |
| $400k-600k | 125 | $59,915,000 | $479,320 |
| $600k-1000k | 25 | $18,165,000 | $726,600 |
| $Over $1MM | 9 | $32,305,000 | $3,589,444 |
Mount Vernon's loan sizing saw the bucket of loans from $200k-400k with 591 originations, totaling $163,805,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 544 | $158,840,000 | $291,985 |
| 60-80% | 319 | $83,065,000 | $260,392 |
| 20-40% | 234 | $25,610,000 | $109,444 |
| Under 20% | 226 | $11,620,000 | $51,416 |
| 40-60% | 155 | $30,815,000 | $198,806 |
| Over 100% | 23 | $8,435,000 | $366,739 |
Mount Vernon's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 544 originations, totaling $158,840,000 in origination value.