Sandusky Mortgage Rates

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

30 Year Fixed Rate mortgages in Sandusky averaged 5.81% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 6.08% and one month ago for the week of 2022-05-19, the average rate was 5.65%.

Sandusky's average rate one year ago was 3.39%.

For refis of the same type during the week of 2022-06-23, the average rate was 5.79%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Sandusky 30 Year Fixed Rate 2022-06-23 5.81%
Sandusky 30 Year Fixed Rate Refi 2022-06-23 5.79%
Sandusky 15 Year Fixed Rate 2022-06-23 5.75%
Sandusky 15 Year Fixed Rate Refi 2022-06-23 5.33%
Sandusky 30 Year FHA 2022-06-23 0.09%
Sandusky 30 Year FHA Refi 2022-06-23 0.24%
Sandusky 30 Year USDA 2022-06-23 0.06%
Sandusky 30 Year USDA Refi 2022-06-23 0.22%
Sandusky 30 Year VA 2022-06-23 0.43%
Sandusky 30 Year VA Refi 2022-06-23 -0.03%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Sandusky, OH.

Sandusky Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Civista Bank 240 3.14% $3,192
QUICKEN LOANS, LLC 110 3.14% $4,784
UNION HOME MORTGAGE CORP. 81 3.34% $4,214
KeyBank 48 3.11% $2,885
Fifth Third Bank 47 3.41% $3,541
LENDUS, LLC 40 3.22% $4,275
First Federal Savings and Loan Association of Lorain 38 2.99% $4,051
The Huntington National Bank 32 3.02% $4,000
First Federal Savings and Loan Association of Lakewood 27 3.08% $4,283
LOANDEPOT.COM, LLC 22 3.18% $3,735
YOUR HOME FINANCIAL LLC 21 3.51% $3,962
Third Federal Savings and Loan Association of Cleveland 20 2.93% $2,869
U.S. Bank 19 3.09% $3,180
UNITED WHOLESALE MORTGAGE, LLC 18 3.06% $4,983
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 16 3.20% $3,476
CROSSCOUNTRY MORTGAGE, LLC 15 3.27% $4,226
First Federal Bank of the Midwest 15 3.18% $3,413
PNC Bank 15 3.13% $3,600
JPMorgan Chase Bank 14 3.00% $3,762
HOWARD HANNA FINANCIAL SERVICES, INC. 13 3.09% $4,238
CALIBER HOME LOANS, INC. 13 3.32% $3,585
The Croghan Colonial Bank 12 3.01% $3,542
NEWREZ LLC 11 3.27% $4,507
Wells Fargo Bank 10 3.33% $3,470
HOMESIDE FINANCIAL, LLC 9 3.32% $4,073
MID AMERICA MORTGAGE, INC. 8 3.28% $6,436
Mr. Cooper ( Nationstar Mortgage ) 8 3.34% $5,494
PENNYMAC LOAN SERVICES, LLC 6 3.37% $4,664
Citizens Bank 6 2.88% $5,333
GUARANTEED RATE, INC. 6 3.21% $3,512
The Genoa Banking Company 6 3.06% $3,801
THE EQUITABLE MORTGAGE CORPORATION 6 3.27% $2,719
AMERICAN FINANCING CORPORATION 5 3.17% $3,624
Dollar Bank, Federal Savings Bank 5 3.05% $5,639
AMERISAVE MORTGAGE CORPORATION 5 3.20% $3,679
Northwest Bank 5 3.23% $4,495
KELLER MORTGAGE, LLC 4 3.53% $3,242
Nations Lending Corporation 4 3.41% $4,521
First National Bank of Bellevue 4 3.56% $3,762
American Midwest Mortgage Corporation 4 2.97% $4,364
The Park National Bank 4 2.94% $3,615
RESIDENTIAL MORTGAGE SERVICES, INC. 3 3.08% $3,433
Evolve Bank & Trust 3 3.08% $5,320
AMERIFIRST FINANCIAL CORPORATION 3 3.75% $4,654
First Commonwealth Bank 3 3.04% $2,961
First National Bank of Pennsylvania 3 2.92% $4,421
Bank of America 3 2.63% $2,298
MMS MORTGAGE SERVICES, LTD. 3 3.25% $2,797
Community Star Credit Union 3 3.63% $3,603
DRAPER AND KRAMER MORTGAGE CORP. 2 3.56% $3,430
AMERICAN MORTGAGE SERVICE COMPANY 2 3.00% $3,538
BROKER SOLUTIONS, INC. 2 3.06% $3,658
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 2 3.44% $5,036
Cf Bank 2 3.06% $1,974
Chicago Mortgage Solutions LLC 2 3.05% $1,958
Ally Bank 2 3.38% $4,721
FIRST CENTENNIAL MORTGAGE CORPORATION 2 3.19% $4,719
Flagstar Bank, FSB 2 3.38% $3,294
LIBERTY HOME MORTGAGE CORPORATION 2 3.06% $9,670
NAVY FEDERAL CREDIT UNION 2 4.00% $6,340
NORTHERN MORTGAGE SERVICES, LLC 2 2.87% $2,926
Paramount Residential Mortgage Group, Inc. 2 4.00% $7,052
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 3.81% $4,179
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 3.31% $3,997
RAPID MORTGAGE COMPANY 2 3.13% $5,018
The Farmers National Bank of Canfield 2 3.13% $4,271
The Union Bank Company 2 3.56% $2,930
FLAT BRANCH MORTGAGE, INC. 1 2.99% $9,173
MUTUAL OF OMAHA MORTGAGE, INC. 1 3.75% $4,852
First Guaranty Mortgage Corporation 1 3.13% $7,954
NATIONWIDE MORTGAGE BANKERS, INC. 1 2.75% $5,365
Barrington Bank & Trust Company, N.A. 1 3.25% $3,598
First Federal Bank 1 3.75% $2,293
Bank of England 1 3.38% $4,058
Northpointe Bank 1 3.50% $6,492
EQUITY RESOURCES, INC. 1 2.75% $3,030
NTFN, INC. 1 3.00% $2,594
Victorian Finance, LLC 1 2.75% $3,462
ENDEAVOR CAPITAL, LLC. 1 2.88% $3,292
PLANET HOME LENDING, LLC 1 3.25% $2,162
PLAZA HOME MORTGAGE, INC. 1 3.50% $3,429
EMM LOANS LLC 1 3.25% $9,808
POLARIS HOME FUNDING CORP. 1 3.50% $6,308
Waterstone Mortgage Corporation 1 3.50% $4,044
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.25% $4,743
PRIORITY MORTGAGE CORP. 1 3.38% $3,999
Discover Bank 1 3.99% $0
Wyndham Capital Mortgage, Inc. 1 3.38% $3,063
Connexus Credit Union 1 3.75% $2,293
RUOFF MORTGAGE COMPANY, INC. 1 3.13% $2,743
SIGNATURE MORTGAGE CORPORATION 1 4.00% $3,554
SOUTHPOINT FINANCIAL SERVICES, INC. 1 2.88% $4,683
S&T Bank 1 3.38% $5,440
Stifel Bank and Trust 1 2.88% $1,931
Strong Home Mortgage, LLC 1 3.25% $2,171
Superior Credit Union, Inc. 1 3.00% $2,093
T2 FINANCIAL LLC 1 3.13% $1,190
TCF National Bank 1 3.25% $2,479
Colonial Savings, F.A. 1 3.25% $780
CityWorth Mortgage LLC 1 2.88% $8,433
The Farmers & Merchants State Bank 1 3.25% $2,870
Ameris Bank 1 3.63% $2,605
The Federal Savings Bank 1 3.38% $4,592
CHURCHILL MORTGAGE CORPORATION 1 2.99% $5,179
CHERRY CREEK MORTGAGE, LLC 1 2.99% $123
The Old Fort Banking Company 1 3.13% $2,453
CELEBRITY HOME LOANS, LLC 1 2.99% $11,370
ZILLOW HOME LOANS, LLC 1 3.38% $4,010
BETTER MORTGAGE CORPORATION 1 4.50% $3,067
THRIVENT Federal Credit Union 1 3.00% $2,785
TIAA, FSB 1 2.63% $450
UNION CAPITAL MORTGAGE CORPORATION 1 3.50% $4,415
JLB CORPORATION 1 3.25% $5,970
InterContinental Capital Group, Inc 1 3.25% $5,898
BAYSHORE MORTGAGE FUNDING, LLC 1 3.63% $3,633
Liberty National Bank 1 3.00% $3,402
GUILD MORTGAGE COMPANY 1 3.38% $3,581
Mechanics Bank 1 2.99% $2,576
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 2.88% $5,509
FREEDOM MORTGAGE CORPORATION 1 4.50% $1,504
MORTGAGE ACCESS CORP. 1 2.88% $3,212

Sandusky, OH's 121 lenders originated 2,916 loans during 2021. The total origination value was $502,140,000, with an average loan value of $172,202.

The top Sandusky lender as defined by loan originations is Civista Bank, with 240 loans originated. Their average total fees are $3,192, which is $1,592 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Sandusky lenders (with over 10 loans originated) are Third Federal Savings and Loan Association of Cleveland ($2,869), KeyBank ($2,885), U.S. Bank ($3,180), Civista Bank ($3,192) and First Federal Bank of the Midwest ($3,413).

The lowest rate Sandusky lenders (with over 10 loans originated) are Third Federal Savings and Loan Association of Cleveland (2.93%), First Federal Savings and Loan Association of Lorain (2.99%), JPMorgan Chase Bank (3.00%), The Croghan Colonial Bank (3.01%) and The Huntington National Bank (3.02%).

Sandusky, OH Lender 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
Civista Bank $58,995,000 $73,925,000 25.3% 14.7%
QUICKEN LOANS, LLC $39,270,000 $49,760,000 26.7% 9.9%
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $27,325,000 n/a 5.4%
The Huntington National Bank $23,690,000 $24,010,000 1.4% 4.8%
UNION HOME MORTGAGE CORP. $25,395,000 $23,995,000 -5.5% 4.8%
Fifth Third Bank $13,630,000 $17,780,000 30.4% 3.5%
KeyBank $19,445,000 $17,615,000 -9.4% 3.5%
First Federal Savings and Loan Association of Lorain $11,990,000 $13,760,000 14.8% 2.7%
LENDUS, LLC $6,590,000 $12,480,000 89.4% 2.5%
PNC Bank $13,180,000 $11,100,000 -15.8% 2.2%
First Federal Savings and Loan Association of Lakewood $11,790,000 $10,805,000 -8.4% 2.2%
First Federal Bank of the Midwest $8,300,000 $8,090,000 -2.5% 1.6%
U.S. Bank $5,340,000 $8,035,000 50.5% 1.6%
FREEDOM MORTGAGE CORPORATION $8,695,000 $7,940,000 -8.7% 1.6%
First Federal Bank of Ohio $11,030,000 $7,465,000 -32.3% 1.5%
UNITED WHOLESALE MORTGAGE, LLC $1,850,000 $7,080,000 282.7% 1.4%
LOANDEPOT.COM, LLC $4,920,000 $6,685,000 35.9% 1.3%
Third Federal Savings and Loan Association of Cleveland $4,855,000 $6,635,000 36.7% 1.3%
JPMorgan Chase Bank $4,650,000 $6,260,000 34.6% 1.2%
Mortgage Research Center, LLC $3,730,000 $6,085,000 63.1% 1.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $7,445,000 $5,820,000 -21.8% 1.2%
CROSSCOUNTRY MORTGAGE, LLC $4,490,000 $5,760,000 28.3% 1.1%
The Croghan Colonial Bank $3,320,000 $5,760,000 73.5% 1.1%
CALIBER HOME LOANS, INC. $2,285,000 $5,695,000 149.2% 1.1%
YOUR HOME FINANCIAL LLC $3,975,000 $5,560,000 39.9% 1.1%
Old National Bank $5,395,000 n/a 1.1%
NEWREZ LLC $1,970,000 $5,200,000 164.0% 1.0%
MID AMERICA MORTGAGE, INC. $3,420,000 $4,215,000 23.2% 0.8%
HOWARD HANNA FINANCIAL SERVICES, INC. $2,570,000 $4,095,000 59.3% 0.8%
Wells Fargo Bank $2,420,000 $4,080,000 68.6% 0.8%
Mr. Cooper ( Nationstar Mortgage ) $2,320,000 $4,055,000 74.8% 0.8%
PENNYMAC LOAN SERVICES, LLC $1,235,000 $3,685,000 198.4% 0.7%
Citizens Bank $2,490,000 $3,595,000 44.4% 0.7%
Dollar Bank, Federal Savings Bank $2,695,000 $2,950,000 9.5% 0.6%
Northwest Bank $4,585,000 $2,710,000 -40.9% 0.5%
HOMESIDE FINANCIAL, LLC $230,000 $2,685,000 1,067.4% 0.5%
Nations Lending Corporation $2,125,000 $2,190,000 3.1% 0.4%
GUARANTEED RATE, INC. $935,000 $2,015,000 115.5% 0.4%
First National Bank of Bellevue $6,100,000 $1,965,000 -67.8% 0.4%
The Park National Bank $1,140,000 $1,945,000 70.6% 0.4%
First National Bank of Pennsylvania $1,645,000 $1,820,000 10.6% 0.4%
MYCUMORTGAGE, LLC $1,505,000 $1,705,000 13.3% 0.3%
WRIGHT-PATT CREDIT UNION, INC. $95,000 $1,695,000 1,684.2% 0.3%
AMERICAN FINANCING CORPORATION $170,000 $1,655,000 873.5% 0.3%
AG Credit, Agricultural Credit Association $1,435,000 $1,650,000 15.0% 0.3%
NAVY FEDERAL CREDIT UNION $1,050,000 $1,580,000 50.5% 0.3%
S&T Bank $1,105,000 $1,525,000 38.0% 0.3%
The Genoa Banking Company $1,495,000 n/a 0.3%
American Midwest Mortgage Corporation $1,745,000 $1,455,000 -16.6% 0.3%
Fremont Federal Credit Union $755,000 $1,420,000 88.1% 0.3%
LIBERTY HOME MORTGAGE CORPORATION $280,000 $1,405,000 401.8% 0.3%
NEW DAY FINANCIAL, LLC $1,425,000 $1,380,000 -3.2% 0.3%
KELLER MORTGAGE, LLC $155,000 $1,350,000 771.0% 0.3%
USAA Federal Savings Bank $875,000 $1,340,000 53.1% 0.3%
First Merchants Bank $315,000 $1,325,000 320.6% 0.3%
Evolve Bank & Trust $705,000 $1,240,000 75.9% 0.2%
AMERISAVE MORTGAGE CORPORATION $835,000 $1,160,000 38.9% 0.2%
First Commonwealth Bank $1,090,000 $1,155,000 6.0% 0.2%
BETTER MORTGAGE CORPORATION $215,000 $1,090,000 407.0% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $580,000 $1,065,000 83.6% 0.2%
Cf Bank $135,000 $1,035,000 666.7% 0.2%
21ST MORTGAGE CORPORATION $585,000 $985,000 68.4% 0.2%
Flagstar Bank, FSB $485,000 $975,000 101.0% 0.2%
RESIDENTIAL MORTGAGE SERVICES, INC. $1,715,000 $935,000 -45.5% 0.2%
Liberty National Bank $115,000 $930,000 708.7% 0.2%
The Farmers National Bank of Canfield $990,000 $930,000 -6.1% 0.2%
LAKEVIEW LOAN SERVICING, LLC $895,000 $900,000 0.6% 0.2%
UNION CAPITAL MORTGAGE CORPORATION $3,015,000 $885,000 -70.6% 0.2%
Bank of America $980,000 $880,000 -10.2% 0.2%
Carrington Mortgage Services, LLC $270,000 $870,000 222.2% 0.2%
THE EQUITABLE MORTGAGE CORPORATION $250,000 $870,000 248.0% 0.2%
BAYSHORE MORTGAGE FUNDING, LLC $830,000 n/a 0.2%
Community Star Credit Union $430,000 $800,000 86.0% 0.2%
RUOFF MORTGAGE COMPANY, INC. $1,535,000 $790,000 -48.5% 0.2%
Magnolia Bank $750,000 n/a 0.1%
Sutton Bank $930,000 $740,000 -20.4% 0.1%
BROKER SOLUTIONS, INC. $175,000 $735,000 320.0% 0.1%
RELIANCE FIRST CAPITAL, LLC $560,000 $700,000 25.0% 0.1%
Barrington Bank & Trust Company, N.A. $350,000 $695,000 98.6% 0.1%
Vibrant Credit Union $690,000 n/a 0.1%
Ally Bank $385,000 $665,000 72.7% 0.1%
Paramount Residential Mortgage Group, Inc. $665,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $690,000 $645,000 -6.5% 0.1%
FIRST COMMUNITY MORTGAGE, INC. $195,000 $625,000 220.5% 0.1%
First Guaranty Mortgage Corporation $410,000 $620,000 51.2% 0.1%
Portage Community Bank $610,000 n/a 0.1%
MMS MORTGAGE SERVICES, LTD. $475,000 $605,000 27.4% 0.1%
CLEARPATH LENDING $945,000 $585,000 -38.1% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $910,000 $585,000 -35.7% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $95,000 $575,000 505.3% 0.1%
Northpointe Bank $570,000 n/a 0.1%
Bank of England $600,000 $515,000 -14.2% 0.1%
LENDINGHOME FUNDING CORPORATION $340,000 $510,000 50.0% 0.1%
Mechanics Bank $1,265,000 $490,000 -61.3% 0.1%
Truist Bank $240,000 $490,000 104.2% 0.1%
HOME POINT FINANCIAL CORPORATION $1,415,000 $485,000 -65.7% 0.1%
T2 FINANCIAL LLC $135,000 $485,000 259.3% 0.1%
Chicago Mortgage Solutions LLC $475,000 n/a 0.1%
CELEBRITY HOME LOANS, LLC $470,000 n/a 0.1%
CNB Bank $465,000 n/a 0.1%
SUN WEST MORTGAGE COMPANY, INC. $215,000 $465,000 116.3% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $135,000 $460,000 240.7% 0.1%
RAPID MORTGAGE COMPANY $420,000 n/a 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $410,000 n/a 0.1%
AMERIFIRST FINANCIAL CORPORATION $690,000 $405,000 -41.3% 0.1%
Visio Financial Services Inc. $400,000 n/a 0.1%
FLAT BRANCH MORTGAGE, INC. $395,000 n/a 0.1%
KS StateBank $385,000 n/a 0.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $595,000 $380,000 -36.1% 0.1%
CHERRY CREEK MORTGAGE, LLC $375,000 n/a 0.1%
TCF National Bank $95,000 $375,000 294.7% 0.1%
EMM LOANS LLC $365,000 n/a 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $65,000 $365,000 461.5% 0.1%
CMG MORTGAGE, INC. $165,000 $360,000 118.2% 0.1%
AMERICAN MORTGAGE SERVICE COMPANY $115,000 $350,000 204.3% 0.1%
FIRST CENTENNIAL MORTGAGE CORPORATION $1,130,000 $350,000 -69.0% 0.1%
NORTHERN MORTGAGE SERVICES, LLC $300,000 $350,000 16.7% 0.1%
Union Savings Bank $1,060,000 $350,000 -67.0% 0.1%
Figure Lending LLC $110,000 $345,000 213.6% 0.1%
CHURCHILL MORTGAGE CORPORATION $275,000 $340,000 23.6% 0.1%
First Federal Community Bank of Bucyrus $205,000 $340,000 65.9% 0.1%
AmeriHome Mortgage Company, LLC $330,000 n/a 0.1%
WesBanco Bank, Inc. $305,000 n/a 0.1%
FINANCE OF AMERICA REVERSE LLC $190,000 $300,000 57.9% 0.1%
POLARIS HOME FUNDING CORP. $260,000 $300,000 15.4% 0.1%
Hometown Equity Mortgage, LLC $155,000 $280,000 80.6% 0.1%
Discover Bank $200,000 $275,000 37.5% 0.1%
MORTGAGE ACCESS CORP. $275,000 n/a 0.1%
BMI Federal Credit Union $245,000 $270,000 10.2% 0.1%
PLAZA HOME MORTGAGE, INC. $270,000 n/a 0.1%
LEADERONE FINANCIAL CORPORATION $265,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $580,000 $265,000 -54.3% 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $615,000 $260,000 -57.7% 0.1%
PLANET HOME LENDING, LLC $260,000 n/a 0.1%
TIAA, FSB $115,000 $260,000 126.1% 0.1%
HALLMARK HOME MORTGAGE, LLC $255,000 n/a 0.1%
InterContinental Capital Group, Inc $390,000 $245,000 -37.2% 0.0%
The Union Bank Company $215,000 $240,000 11.6% 0.0%
Colonial Savings, F.A. $125,000 $235,000 88.0% 0.0%
GUILD MORTGAGE COMPANY $235,000 n/a 0.0%
PRIORITY MORTGAGE CORP. $205,000 $235,000 14.6% 0.0%
Farm Credit Mid-America, ACA $995,000 $220,000 -77.9% 0.0%
The Old Fort Banking Company $1,505,000 $210,000 -86.0% 0.0%
CANOPY MORTGAGE, LLC $205,000 n/a 0.0%
CityWorth Mortgage LLC $185,000 $205,000 10.8% 0.0%
ZILLOW HOME LOANS, LLC $165,000 $205,000 24.2% 0.0%
The Federal Savings Bank $640,000 $195,000 -69.5% 0.0%
NATIONS DIRECT MORTGAGE, LLC $125,000 $185,000 48.0% 0.0%
OAKTREE FUNDING CORP. $185,000 n/a 0.0%
Superior Credit Union, Inc. $940,000 $185,000 -80.3% 0.0%
Cincinnati Federal $175,000 n/a 0.0%
MOVEMENT MORTGAGE, LLC $165,000 n/a 0.0%
THRIVE MORTGAGE, LLC $165,000 n/a 0.0%
Wyndham Capital Mortgage, Inc. $165,000 n/a 0.0%
Low VA Rates, LLC $270,000 $155,000 -42.6% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $240,000 $155,000 -35.4% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $145,000 n/a 0.0%
JLB CORPORATION $145,000 n/a 0.0%
NTFN, INC. $145,000 n/a 0.0%
Paramount Bank $310,000 $145,000 -53.2% 0.0%
SOFI LENDING CORP. $145,000 n/a 0.0%
SOUTHPOINT FINANCIAL SERVICES, INC. $145,000 n/a 0.0%
Waterstone Mortgage Corporation $145,000 n/a 0.0%
Hometown Bank $75,000 $135,000 80.0% 0.0%
KEMBA CREDIT UNION, INC. $135,000 n/a 0.0%
Strong Home Mortgage, LLC $135,000 n/a 0.0%
Ameris Bank $310,000 $125,000 -59.7% 0.0%
AMERICAN ADVISORS GROUP $120,000 n/a 0.0%
Stifel Bank and Trust $115,000 n/a 0.0%
Victorian Finance, LLC $115,000 n/a 0.0%
EQUITY RESOURCES, INC. $935,000 $105,000 -88.8% 0.0%
EVANSVILLE TEACHERS $105,000 n/a 0.0%
First Federal Savings Bank $105,000 n/a 0.0%
SPRING EQ, LLC $95,000 $105,000 10.5% 0.0%
ENDEAVOR CAPITAL, LLC. $95,000 n/a 0.0%
Manufacturers and Traders Trust Company $115,000 $95,000 -17.4% 0.0%
OCEANSIDE MORTGAGE COMPANY $85,000 $95,000 11.8% 0.0%
The Farmers & Merchants State Bank $245,000 $95,000 -61.2% 0.0%
FIRST OHIO HOME FINANCE, INC. $200,000 $85,000 -57.5% 0.0%
THRIVENT Federal Credit Union $115,000 $85,000 -26.1% 0.0%
DELMAR FINANCIAL COMPANY $75,000 n/a 0.0%
SIGNATURE MORTGAGE CORPORATION $160,000 $75,000 -53.1% 0.0%
Connexus Credit Union $65,000 n/a 0.0%
First Federal Bank $65,000 n/a 0.0%
CREDIT UNION OF OHIO $55,000 n/a 0.0%
SUN Federal Credit Union $95,000 $45,000 -52.6% 0.0%

Sandusky's top lender by overall market share is Civista Bank, with 14.7% market share. In second place, with 9.9%, is QUICKEN LOANS, LLC, having originated $49,760,000 in loans. In third place, with 5.4%, is BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC, having originated $27,325,000 in loans. In third place, with 4.8%, is The Huntington National Bank, having originated $24,010,000 in loans. In third place, with 4.8%, is UNION HOME MORTGAGE CORP., having originated $23,995,000 in loans.


Sandusky, OH Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,152 $210,400,000 $182,639
Refi 943 $172,615,000 $183,049
Cash Out Refi 480 $77,450,000 $161,354
Other 238 $25,350,000 $106,513
Home Improvement 103 $16,325,000 $158,495

Sandusky's most frequently cited loan purpose was Home Purchase, with 1,152 originations. The 2nd most popular reason was Refi, with 943 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,184 $196,780,000 $166,199
2.5-3% 1,006 $173,000,000 $171,968
<2.5% 433 $72,215,000 $166,778
4-5% 130 $17,200,000 $132,308
6-7% 30 $1,850,000 $61,667
5-6% 29 $1,585,000 $54,655
Over 8% 16 $930,000 $58,125
7-8% 10 $390,000 $39,000

During 2021, Sandusky's most frequently originated rate bucket was 3-4%, with 1,184 originations.

Loan Sizing (Sandusky, OH MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,357 $194,695,000 $143,475
$100,000 or less 829 $55,135,000 $66,508
$200k-400k 631 $166,005,000 $263,082
$400k-600k 74 $35,300,000 $477,027
$600k-1000k 17 $12,245,000 $720,294
$Over $1MM 8 $38,760,000 $4,845,000

Sandusky's loan sizing saw the bucket of loans from $100k-200k with 1,357 originations, totaling $194,695,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 997 $189,505,000 $190,075
60-80% 940 $162,290,000 $172,649
40-60% 398 $60,320,000 $151,558
20-40% 236 $22,340,000 $94,661
Under 20% 129 $5,265,000 $40,814
Over 100% 19 $4,925,000 $259,211

Sandusky's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 997 originations, totaling $189,505,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Sandusky (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 $184,900 (1.3%) $263,398 (10.5%) 0.00 433
2018-02-01 $192,450 (4.0%) $268,899 (10.0%) 0.00 425
2018-03-01 $199,900 (5.5%) $292,545 (16.1%) 0.00 406
2018-04-01 $214,500 (8.4%) $290,733 (12.5%) 0.00 435
2018-05-01 $214,950 (9.3%) $294,335 (12.6%) 0.00 443
2018-06-01 $219,000 (10.7%) $299,616 (10.5%) 0.00 470
2018-07-01 $212,250 (6.2%) $289,930 (4.1%) 0.00 488
2018-08-01 $212,500 (8.1%) $291,667 (7.1%) 0.00 487
2018-09-01 $214,500 (7.8%) $293,202 (6.7%) 0.00 493
2018-10-01 $201,500 (3.4%) $284,560 (6.2%) 0.00 465
2018-11-01 $199,900 (5.2%) $275,648 (-0.3%) 0.00 434
2018-12-01 $211,000 (15.1%) $278,482 (7.1%) 0.00 418
2019-01-01 $199,350 (7.8%) $271,390 (3.0%) 0.00 419
2019-02-01 $194,950 (1.3%) $261,446 (-2.8%) 0.00 436
2019-03-01 $200,657 (0.4%) $261,596 (-10.6%) 0.00 440
2019-04-01 $219,500 (2.3%) $266,225 (-8.4%) 0.00 448
2019-05-01 $226,200 (5.2%) $270,713 (-8.0%) 0.00 462
2019-06-01 $229,000 (4.6%) $279,895 (-6.6%) 0.00 448
2019-07-01 $229,900 (8.3%) $280,208 (-3.4%) 0.00 449
2019-08-01 $225,614 (6.2%) $281,852 (-3.4%) 0.00 450
2019-09-01 $219,900 (2.5%) $280,949 (-4.2%) 0.00 445
2019-10-01 $234,000 (16.1%) $295,919 (4.0%) 0.00 415
2019-11-01 $239,900 (20.0%) $282,537 (2.5%) 0.00 406
2019-12-01 $233,900 (10.9%) $281,753 (1.2%) 0.00 391
2020-01-01 $239,900 (20.3%) $286,587 (5.6%) 0.00 358
2020-02-01 $240,000 (23.1%) $287,197 (9.9%) 0.00 329
2020-03-01 $269,450 (34.3%) $303,425 (16.0%) 0.00 313
2020-04-01 $272,000 (23.9%) $320,705 (20.5%) 0.00 307
2020-05-01 $269,000 (18.9%) $315,714 (16.6%) 0.00 281
2020-06-01 $269,000 (17.5%) $318,379 (13.8%) 0.00 256
2020-07-01 $271,900 (18.3%) $328,692 (17.3%) 0.00 246
2020-08-01 $295,000 (30.8%) $350,434 (24.3%) 0.00 236
2020-09-01 $286,250 (30.2%) $322,731 (14.9%) 0.00 243
2020-10-01 $269,900 (15.3%) $327,573 (10.7%) 0.00 245
2020-11-01 $282,450 (17.7%) $345,137 (22.2%) 0.00 222
2020-12-01 $284,900 (21.8%) $341,107 (21.1%) 0.00 200
2021-01-01 $280,000 (16.7%) $356,896 (24.5%) 0.00 191
2021-02-01 $289,900 (20.8%) $388,818 (35.4%) 0.00 152
2021-03-01 $318,000 (18.0%) $429,138 (41.4%) 0.00 132
2021-04-01 $304,900 (12.1%) $417,638 (30.2%) 0.00 132
2021-05-01 $269,400 (0.2%) $388,535 (23.1%) 0.00 124
2021-06-01 $254,900 (-5.2%) $365,851 (14.9%) 0.00 135
2021-07-01 $234,950 (-13.6%) $343,820 (4.6%) 0.00 159
2021-08-01 $251,900 (-14.6%) $349,298 (-0.3%) 0.00 142
2021-09-01 $249,900 (-12.7%) $363,092 (12.5%) 0.00 140
2021-10-01 $230,000 (-14.8%) $359,620 (9.8%) 0.00 156
2021-11-01 $274,450 (-2.8%) $388,125 (12.5%) 0.00 170
2021-12-01 $274,900 (-3.5%) $392,519 (15.1%) 0.00 143
2022-01-01 $279,400 (-0.2%) $399,113 (11.8%) 0.00 106
2022-02-01 $293,500 (1.2%) $404,877 (4.1%) 0.00 92
2022-03-01 $286,500 (-9.9%) $430,013 (0.2%) 0.00 92
2022-04-01 $274,900 (-9.8%) $420,446 (0.7%) 0.00 109
2022-05-01 $274,950 (2.1%) $413,403 (6.4%) 0.00 112
Sandusky's median listing price for 2022-05-01 was $274,950, a difference of $5,550 (2.1%) versus the prior year and $50 versus the prior month.

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

Sandusky's average listing price for 2022-05-01 was $413,403, a difference of $24,868 (6.4%) versus the prior year and $-7,043 versus the prior month.

For the 2022-05-01 period, Sandusky had 112 MLS listings, a difference of 3 listings (3%) versus the prior month and -12 listings (-10%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Sandusky (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,701 sqft
2018-02-01 0 days 1,702 sqft
2018-03-01 0 days 1,720 sqft
2018-04-01 0 days 1,789 sqft
2018-05-01 0 days 1,751 sqft
2018-06-01 0 days 1,842 sqft
2018-07-01 0 days 1,879 sqft
2018-08-01 0 days 1,873 sqft
2018-09-01 0 days 1,860 sqft
2018-10-01 0 days 1,880 sqft
2018-11-01 0 days 1,878 sqft
2018-12-01 0 days 1,878 sqft
2019-01-01 0 days 1,813 sqft
2019-02-01 0 days 1,784 sqft
2019-03-01 0 days 1,791 sqft
2019-04-01 0 days 1,799 sqft
2019-05-01 0 days 1,724 sqft
2019-06-01 0 days 1,770 sqft
2019-07-01 0 days 1,780 sqft
2019-08-01 0 days 1,809 sqft
2019-09-01 0 days 1,793 sqft
2019-10-01 0 days 1,906 sqft
2019-11-01 0 days 1,908 sqft
2019-12-01 0 days 1,928 sqft
2020-01-01 0 days 1,928 sqft
2020-02-01 0 days 1,817 sqft
2020-03-01 0 days 1,877 sqft
2020-04-01 0 days 1,878 sqft
2020-05-01 0 days 1,808 sqft
2020-06-01 0 days 1,836 sqft
2020-07-01 0 days 1,807 sqft
2020-08-01 0 days 1,928 sqft
2020-09-01 0 days 1,904 sqft
2020-10-01 0 days 1,956 sqft
2020-11-01 0 days 1,970 sqft
2020-12-01 0 days 1,944 sqft
2021-01-01 0 days 1,759 sqft
2021-02-01 0 days 1,704 sqft
2021-03-01 0 days 1,875 sqft
2021-04-01 0 days 1,842 sqft
2021-05-01 0 days 1,728 sqft
2021-06-01 0 days 1,709 sqft
2021-07-01 0 days 1,690 sqft
2021-08-01 0 days 1,780 sqft
2021-09-01 0 days 1,802 sqft
2021-10-01 0 days 1,711 sqft
2021-11-01 0 days 1,838 sqft
2021-12-01 0 days 1,788 sqft
2022-01-01 0 days 1,750 sqft
2022-02-01 0 days 1,719 sqft
2022-03-01 0 days 1,723 sqft
2022-04-01 0 days 1,700 sqft
2022-05-01 0 days 1,661 sqft
Sandusky's median listing age (time on market) for 2022-05-01 was 0 days.

Sandusky's median square footage for active listings during the 2022-05-01 period was 1,661 sqft. One year prior, the average listing was 1,728 sqft.