Sandusky Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Sandusky averaged
6.75%
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
6.98% and
one month ago for the week of 2025-05-15, the
average rate was 7.15%.
Sandusky's average rate one year ago was 6.99%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.21%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Sandusky 30 Year Fixed Rate | 2025-06-18 | 6.75% |
| Sandusky 30 Year Fixed Rate Refi | 2025-06-18 | 7.21% |
| Sandusky 15 Year Fixed Rate | 2025-06-18 | 5.76% |
| Sandusky 15 Year Fixed Rate Refi | 2025-06-18 | 5.96% |
| Sandusky 30 Year FHA | 2025-06-18 | 0.38% |
| Sandusky 30 Year FHA Refi | 2025-06-18 | 0% |
| Sandusky 30 Year USDA | 2025-06-18 | -0.1% |
| Sandusky 30 Year USDA Refi | 2025-06-18 | -0.1% |
| Sandusky 30 Year VA | 2025-06-18 | 0.1% |
| Sandusky 30 Year VA Refi | 2025-06-18 | 0.1% |
Sandusky 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 Sandusky, 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.).
Sandusky Average Closing Costs & Other Stats
Sandusky, OH's 81 lenders originated 1,386
loans during 2024. The total origination value was $246,070,000, with an average loan value of
$177,540.
Sandusky's average closing costs are $4,763.
The top Sandusky lender as defined by loan originations is Civista Bank, with
123 loans originated. Their average total fees are
$3,844, which is $2,641
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Sandusky lenders (with over 10 loans originated) are
U.S. Bank ($3,260), Civista Bank ($3,844), KeyBank ($4,035), Fifth Third Bank ($4,062) and First Federal Savings and Loan Association of Lorain ($4,737).
The lowest rate Sandusky lenders (with over 10 loans originated) are
Fifth Third Bank (6.53%), KeyBank (6.56%), UNITED WHOLESALE MORTGAGE, LLC (6.73%), First Federal Savings and Loan Association of Lorain (6.74%) and QUICKEN LOANS, LLC (6.75%).
Sandusky, 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 |
|---|---|---|---|---|
| Civista Bank | $37,740,000 | $41,755,000 | 10.6% | 17.0% |
| QUICKEN LOANS, LLC | $16,030,000 | $22,490,000 | 40.3% | 9.1% |
| The Huntington National Bank | $10,295,000 | $14,090,000 | 36.9% | 5.7% |
| UNION HOME MORTGAGE CORP. | $12,100,000 | $10,125,000 | -16.3% | 4.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $8,575,000 | $9,815,000 | 14.5% | 4.0% |
| KeyBank | $8,070,000 | $8,290,000 | 2.7% | 3.4% |
| YOUR HOME FINANCIAL LLC | $2,500,000 | $7,220,000 | 188.8% | 2.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $4,040,000 | $6,585,000 | 63.0% | 2.7% |
| UNION CAPITAL MORTGAGE CORPORATION | $5,290,000 | $6,210,000 | 17.4% | 2.5% |
| Fifth Third Bank | $6,515,000 | $5,675,000 | -12.9% | 2.3% |
| First Federal Bank of the Midwest | $6,930,000 | $5,205,000 | -24.9% | 2.1% |
| PNC Bank | $4,770,000 | $4,635,000 | -2.8% | 1.9% |
| LOANDEPOT.COM, LLC | $4,830,000 | $4,485,000 | -7.1% | 1.8% |
| PENNYMAC LOAN SERVICES, LLC | $1,670,000 | $3,970,000 | 137.7% | 1.6% |
| First Federal Bank of Ohio | $2,120,000 | $3,805,000 | 79.5% | 1.5% |
| First Federal Savings and Loan Association of Lorain | $3,825,000 | $3,720,000 | -2.7% | 1.5% |
| Dollar Bank, Federal Savings Bank | $610,000 | $3,605,000 | 491.0% | 1.5% |
| U.S. Bank | $4,280,000 | $3,580,000 | -16.4% | 1.5% |
| FREEDOM MORTGAGE CORPORATION | $1,235,000 | $3,420,000 | 176.9% | 1.4% |
| NAVY FEDERAL CREDIT UNION | $2,575,000 | $3,250,000 | 26.2% | 1.3% |
| Mortgage Research Center, LLC | $6,045,000 | $3,195,000 | -47.1% | 1.3% |
| First National Bank of Pennsylvania | $860,000 | $2,520,000 | 193.0% | 1.0% |
| RELIANCE FIRST CAPITAL, LLC | $475,000 | $1,975,000 | 315.8% | 0.8% |
| Citizens Bank | $1,505,000 | $1,900,000 | 26.2% | 0.8% |
| Third Federal Savings and Loan Association of Cleveland | $3,195,000 | $1,825,000 | -42.9% | 0.7% |
| The Croghan Colonial Bank | $1,560,000 | $1,700,000 | 9.0% | 0.7% |
| RUOFF MORTGAGE COMPANY, INC. | $940,000 | $1,590,000 | 69.1% | 0.6% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $1,590,000 | $1,525,000 | -4.1% | 0.6% |
| Northwest Bank | $1,455,000 | $1,510,000 | 3.8% | 0.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,475,000 | $1,500,000 | 1.7% | 0.6% |
| NEWREZ LLC | $700,000 | $1,415,000 | 102.1% | 0.6% |
| First Federal Savings and Loan Association of Lakewood | $1,640,000 | $1,260,000 | -23.2% | 0.5% |
| Texana Bank | $1,200,000 | n/a | 0.5% | |
| BROKER SOLUTIONS, INC. | $365,000 | $1,140,000 | 212.3% | 0.5% |
| UBS Bank USA | $1,090,000 | n/a | 0.4% | |
| GUILD MORTGAGE COMPANY | $330,000 | $1,085,000 | 228.8% | 0.4% |
| VILLAGE CAPITAL MORTGAGE | $645,000 | $1,025,000 | 58.9% | 0.4% |
| Fremont Federal Credit Union | $250,000 | $980,000 | 292.0% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,835,000 | $975,000 | -65.6% | 0.4% |
| The Genoa Banking Company | $1,190,000 | $930,000 | -21.8% | 0.4% |
| 21ST MORTGAGE CORPORATION | $110,000 | $925,000 | 740.9% | 0.4% |
| PENTAGON FEDERAL CREDIT UNION | $180,000 | $890,000 | 394.4% | 0.4% |
| The Farmers National Bank of Canfield | $560,000 | $830,000 | 48.2% | 0.3% |
| NORTHERN MORTGAGE SERVICES, LLC | $425,000 | $805,000 | 89.4% | 0.3% |
| The Park National Bank | $55,000 | $775,000 | 1,309.1% | 0.3% |
| AG Credit, Agricultural Credit Association | $970,000 | $765,000 | -21.1% | 0.3% |
| PLAZA HOME MORTGAGE, INC. | $1,095,000 | $765,000 | -30.1% | 0.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $715,000 | n/a | 0.3% | |
| NEW DAY FINANCIAL, LLC | $715,000 | n/a | 0.3% | |
| FIRST OHIO HOME FINANCE, INC. | $85,000 | $695,000 | 717.6% | 0.3% |
| PLANET HOME LENDING, LLC | $670,000 | n/a | 0.3% | |
| Mr. Cooper ( Nationstar Mortgage ) | $1,420,000 | $660,000 | -53.5% | 0.3% |
| ROYAL UNITED MORTGAGE LLC | $305,000 | $625,000 | 104.9% | 0.3% |
| ZILLOW HOME LOANS, LLC | $155,000 | $620,000 | 300.0% | 0.3% |
| MID AMERICA MORTGAGE, INC. | $525,000 | $615,000 | 17.1% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $385,000 | $610,000 | 58.4% | 0.2% |
| First Merchants Bank | $585,000 | n/a | 0.2% | |
| Wells Fargo Bank | $1,635,000 | $585,000 | -64.2% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $495,000 | $565,000 | 14.1% | 0.2% |
| AmeriHome Mortgage Company, LLC | $165,000 | $550,000 | 233.3% | 0.2% |
| USAA Federal Savings Bank | $630,000 | $540,000 | -14.3% | 0.2% |
| Discover Bank | $595,000 | $525,000 | -11.8% | 0.2% |
| Flagstar Bank, FSB | $125,000 | $510,000 | 308.0% | 0.2% |
| Charles Schwab Bank, SSB | $765,000 | $495,000 | -35.3% | 0.2% |
| CMG MORTGAGE, INC. | $155,000 | $490,000 | 216.1% | 0.2% |
| POLARIS HOME FUNDING CORP. | $490,000 | n/a | 0.2% | |
| AMERICAN FINANCING CORPORATION | $470,000 | n/a | 0.2% | |
| Bank of America | $205,000 | $470,000 | 129.3% | 0.2% |
| The Farmers Savings Bank | $305,000 | $465,000 | 52.5% | 0.2% |
| EVERETT FINANCIAL, INC. | $455,000 | n/a | 0.2% | |
| JPMorgan Chase Bank | $1,325,000 | $455,000 | -65.7% | 0.2% |
| S1L, Inc. | $440,000 | n/a | 0.2% | |
| DEEPHAVEN MORTGAGE LLC | $430,000 | n/a | 0.2% | |
| LAKEVIEW LOAN SERVICING, LLC | $240,000 | $430,000 | 79.2% | 0.2% |
| Nations Lending Corporation | $1,460,000 | $430,000 | -70.5% | 0.2% |
| NFM, INC. | $485,000 | $420,000 | -13.4% | 0.2% |
| SUCCESS MORTGAGE PARTNERS, INC. | $415,000 | n/a | 0.2% | |
| Bank of Magnolia Company | $125,000 | $405,000 | 224.0% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $135,000 | $405,000 | 200.0% | 0.2% |
| Farm Credit Mid-America, ACA | $90,000 | $385,000 | 327.8% | 0.2% |
| Magnolia Bank | $385,000 | n/a | 0.2% | |
| Quontic Bank | $385,000 | n/a | 0.2% | |
| LENDINGHOME FUNDING CORPORATION | $260,000 | $375,000 | 44.2% | 0.2% |
| Stifel Bank and Trust | $375,000 | n/a | 0.2% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $185,000 | $370,000 | 100.0% | 0.2% |
| V.I.P. MORTGAGE, INC. | $390,000 | $350,000 | -10.3% | 0.1% |
| First Financial Bank | $255,000 | $340,000 | 33.3% | 0.1% |
| First Federal Bank | $175,000 | $335,000 | 91.4% | 0.1% |
| First National Bank of Bellevue | $930,000 | $335,000 | -64.0% | 0.1% |
| Kwik Mortgage Corporation | $335,000 | n/a | 0.1% | |
| GENISYS | $330,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $330,000 | n/a | 0.1% | |
| Morgan Stanley Private Bank | $325,000 | n/a | 0.1% | |
| NBKC BANK | $315,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $425,000 | $310,000 | -27.1% | 0.1% |
| GUARANTEED RATE, INC. | $810,000 | $310,000 | -61.7% | 0.1% |
| MICHIGAN MUTUAL, INC. | $155,000 | $310,000 | 100.0% | 0.1% |
| MYCUMORTGAGE, LLC | $955,000 | $310,000 | -67.5% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $850,000 | $300,000 | -64.7% | 0.1% |
| NexBank | $300,000 | n/a | 0.1% | |
| LIMA ONE CAPITAL, LLC | $1,200,000 | $290,000 | -75.8% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $285,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $95,000 | $280,000 | 194.7% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $275,000 | n/a | 0.1% | |
| WesBanco | $305,000 | $275,000 | -9.8% | 0.1% |
| ENDEAVOR CAPITAL, LLC. | $145,000 | $270,000 | 86.2% | 0.1% |
| Coastal Community Bank | $165,000 | $265,000 | 60.6% | 0.1% |
| CENTURY | $125,000 | $260,000 | 108.0% | 0.1% |
| The State Bank and Trust Company | $255,000 | n/a | 0.1% | |
| Community Star Credit Union | $65,000 | $250,000 | 284.6% | 0.1% |
| Ixonia Bank | $135,000 | $245,000 | 81.5% | 0.1% |
| Lakeview Community Capital, LLC | $245,000 | n/a | 0.1% | |
| Figure Lending LLC | $215,000 | $240,000 | 11.6% | 0.1% |
| PHH Mortgage Corporation | $240,000 | n/a | 0.1% | |
| MORIA DEVELOPMENT, INC. | $215,000 | n/a | 0.1% | |
| Ally Bank | $310,000 | $195,000 | -37.1% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $195,000 | n/a | 0.1% | |
| CLEARPATH LENDING | $195,000 | n/a | 0.1% | |
| LOANPAL, LLC | $190,000 | n/a | 0.1% | |
| MILEND, INC. | $185,000 | n/a | 0.1% | |
| LONGBRIDGE FINANCIAL, LLC | $180,000 | n/a | 0.1% | |
| THE EQUITABLE MORTGAGE CORPORATION | $175,000 | n/a | 0.1% | |
| US MORTGAGE CORPORATION | $165,000 | n/a | 0.1% | |
| First Commonwealth Bank | $515,000 | $155,000 | -69.9% | 0.1% |
| Independent Bank | $255,000 | $155,000 | -39.2% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $360,000 | $155,000 | -56.9% | 0.1% |
| STOCKTON MORTGAGE CORPORATION | $145,000 | n/a | 0.1% | |
| First Bankers Trust Company | $135,000 | n/a | 0.1% | |
| KEMBA FINANCIAL | $180,000 | $135,000 | -25.0% | 0.1% |
| MORTGAGE CENTER L.C | $135,000 | n/a | 0.1% | |
| NEXERA HOLDING LLC | $135,000 | n/a | 0.1% | |
| RF Renovo Management Company, LLC | $135,000 | n/a | 0.1% | |
| Citibank | $125,000 | n/a | 0.1% | |
| The Sherwood State Bank | $125,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $275,000 | $105,000 | -61.8% | 0.0% |
| Day Air Credit Union, Inc | $105,000 | n/a | 0.0% | |
| Heartland Bank | $280,000 | $105,000 | -62.5% | 0.0% |
| Liberty Savings Bank, F.S.B. | $105,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $550,000 | $95,000 | -82.7% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $155,000 | $85,000 | -45.2% | 0.0% |
| The Union Bank Company | $80,000 | n/a | 0.0% | |
| Republic Bank of Chicago | $75,000 | n/a | 0.0% | |
| Equity Prime Mortgage LLC | $65,000 | n/a | 0.0% | |
| Truist | $65,000 | n/a | 0.0% | |
| CNB Bank | $55,000 | n/a | 0.0% | |
| Seven Seventeen Credit Union | $50,000 | n/a | 0.0% | |
| Transportation Federal Credit Union | $45,000 | n/a | 0.0% |
Sandusky's top lender by overall market share is Civista Bank, with 17.0% market share. In second place, with 9.1%, is QUICKEN LOANS, LLC, having originated $22,490,000 in loans. In third place, with 5.7%, is The Huntington National Bank, having originated $14,090,000 in loans. In fourth place, with 4.1%, is UNION HOME MORTGAGE CORP., having originated $10,125,000 in loans. In fifth place, with 4.0%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $9,815,000 in loans.
Sandusky, OH Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 715 | $153,875,000 | $215,210 |
| Cash Out Refi | 217 | $34,175,000 | $157,488 |
| Home Improvement | 165 | $15,415,000 | $93,424 |
| Refi | 153 | $29,815,000 | $194,869 |
| Other | 136 | $12,790,000 | $94,044 |
Sandusky's most frequently cited loan purpose was Home Purchase, with 715 originations. The 2nd most popular reason was Cash Out Refi, with 217 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 539 | $112,025,000 | $207,839 |
| Over 8% | 353 | $36,215,000 | $102,592 |
| 7-8% | 300 | $54,430,000 | $181,433 |
| 5-6% | 143 | $33,975,000 | $237,587 |
| 4-5% | 7 | $1,405,000 | $200,714 |
| <2.5% | 1 | $55,000 | $55,000 |
| 3-4% | 1 | $105,000 | $105,000 |
| 2.5-3% | 1 | $555,000 | $555,000 |
During 2024, Sandusky's most frequently originated rate bucket was 6-7%, with 539 originations.
Loan Sizing (Sandusky, OH MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 508 | $74,510,000 | $146,673 |
| $100,000 or less | 416 | $24,690,000 | $59,351 |
| $200k-400k | 381 | $102,505,000 | $269,042 |
| $400k-600k | 64 | $30,350,000 | $474,219 |
| $600k-1000k | 15 | $11,105,000 | $740,333 |
| $Over $1MM | 2 | $2,910,000 | $1,455,000 |
Sandusky's loan sizing saw the bucket of loans from $100k-200k with 508 originations, totaling $74,510,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 483 | $110,495,000 | $228,768 |
| 60-80% | 352 | $71,890,000 | $204,233 |
| 20-40% | 190 | $18,060,000 | $95,053 |
| 40-60% | 143 | $24,445,000 | $170,944 |
| Under 20% | 132 | $6,010,000 | $45,530 |
| Over 100% | 9 | $1,705,000 | $189,444 |
Sandusky's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 483 originations, totaling $110,495,000 in origination value.