Sidney Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Sidney averaged
7.1%
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
7.03% and
one month ago for the week of 2025-05-15, the
average rate was 7.1%.
Sidney's average rate one year ago was 7.04%.
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% |
| Sidney 30 Year Fixed Rate | 2025-06-18 | 7.1% |
| Sidney 30 Year Fixed Rate Refi | 2025-06-18 | 7.01% |
| Sidney 15 Year Fixed Rate | 2025-06-18 | 5.96% |
| Sidney 15 Year Fixed Rate Refi | 2025-06-18 | 6.36% |
| Sidney 30 Year FHA | 2025-06-18 | -0.01% |
| Sidney 30 Year FHA Refi | 2025-06-18 | 0.2% |
| Sidney 30 Year USDA | 2025-06-18 | 0.1% |
| Sidney 30 Year USDA Refi | 2025-06-18 | -0.1% |
| Sidney 30 Year VA | 2025-06-18 | 0% |
| Sidney 30 Year VA Refi | 2025-06-18 | -0.2% |
Sidney 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 Sidney, 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.).
Sidney Average Closing Costs & Other Stats
Sidney, OH's 52 lenders originated 820
loans during 2024. The total origination value was $137,080,000, with an average loan value of
$167,171.
Sidney's average closing costs are $4,729.
The top Sidney lender as defined by loan originations is QUICKEN LOANS, LLC, with
31 loans originated. Their average total fees are
$6,495, which is $3,895
higher than the next largest lender,
Minster Bank.
The lowest fee Sidney lenders (with over 10 loans originated) are
Minster Bank ($2,599), JPMorgan Chase Bank ($3,616), U.S. Bank ($3,799), WRIGHT-PATT CREDIT UNION, INC. ($3,919) and Superior Credit Union, Inc. ($3,925).
The lowest rate Sidney lenders (with over 10 loans originated) are
WRIGHT-PATT CREDIT UNION, INC. (6.22%), NVR Mortgage Finance, Inc. (6.32%), Minster Bank (6.58%), Superior Credit Union, Inc. (6.63%) and NATIONS RELIABLE LENDING, LLC (6.68%).
Sidney, 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 |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $5,665,000 | $13,895,000 | 145.3% | 10.1% |
| NVR Mortgage Finance, Inc. | $5,375,000 | $9,370,000 | 74.3% | 6.8% |
| Minster Bank | $8,350,000 | $8,925,000 | 6.9% | 6.5% |
| U.S. Bank | $9,560,000 | $8,870,000 | -7.2% | 6.5% |
| The Old Fort Banking Company | $6,005,000 | n/a | 4.4% | |
| Fifth Third Bank | $3,510,000 | $5,515,000 | 57.1% | 4.0% |
| Mortgage Research Center, LLC | $2,760,000 | $5,075,000 | 83.9% | 3.7% |
| WRIGHT-PATT CREDIT UNION, INC. | $3,080,000 | $4,985,000 | 61.9% | 3.6% |
| The Farmers & Merchants State Bank | $3,890,000 | $4,770,000 | 22.6% | 3.5% |
| Superior Credit Union, Inc. | $3,220,000 | $4,100,000 | 27.3% | 3.0% |
| Union Savings Bank | $4,260,000 | $3,875,000 | -9.0% | 2.8% |
| HONDA Federal Credit Union | $2,385,000 | $3,855,000 | 61.6% | 2.8% |
| UNION HOME MORTGAGE CORP. | $4,890,000 | $3,795,000 | -22.4% | 2.8% |
| NATIONS RELIABLE LENDING, LLC | $3,285,000 | n/a | 2.4% | |
| JPMorgan Chase Bank | $2,535,000 | $2,865,000 | 13.0% | 2.1% |
| Farm Credit Mid-America, ACA | $395,000 | $2,805,000 | 610.1% | 2.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $820,000 | $2,730,000 | 232.9% | 2.0% |
| UNIVERSAL 1 CREDIT UNION | $1,535,000 | $2,310,000 | 50.5% | 1.7% |
| LOANDEPOT.COM, LLC | $2,150,000 | $2,065,000 | -4.0% | 1.5% |
| Greenville Federal | $2,335,000 | $2,030,000 | -13.1% | 1.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,815,000 | $1,905,000 | -32.3% | 1.4% |
| The Huntington National Bank | $1,790,000 | $1,730,000 | -3.4% | 1.3% |
| First Bank Richmond | $2,365,000 | $1,590,000 | -32.8% | 1.2% |
| GUARANTEED RATE, INC. | $500,000 | $1,555,000 | 211.0% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $680,000 | $1,450,000 | 113.2% | 1.1% |
| Greenville National Bank | $2,020,000 | $1,355,000 | -32.9% | 1.0% |
| Mr. Cooper ( Nationstar Mortgage ) | $635,000 | $1,290,000 | 103.1% | 0.9% |
| NEWREZ LLC | $2,190,000 | $1,285,000 | -41.3% | 0.9% |
| The Federal Savings Bank | $325,000 | $1,235,000 | 280.0% | 0.9% |
| PNC Bank | $1,270,000 | $1,135,000 | -10.6% | 0.8% |
| HOMESIDE FINANCIAL, LLC | $155,000 | $1,045,000 | 574.2% | 0.8% |
| POLARIS HOME FUNDING CORP. | $255,000 | $925,000 | 262.7% | 0.7% |
| DIRECT MORTGAGE LOANS, LLC | $695,000 | n/a | 0.5% | |
| The Park National Bank | $1,590,000 | $680,000 | -57.2% | 0.5% |
| FREEDOM MORTGAGE CORPORATION | $1,020,000 | $630,000 | -38.2% | 0.5% |
| BROKER SOLUTIONS, INC. | $495,000 | $615,000 | 24.2% | 0.4% |
| First Financial Bank | $750,000 | $600,000 | -20.0% | 0.4% |
| AmeriHome Mortgage Company, LLC | $550,000 | n/a | 0.4% | |
| LENDINGHOME FUNDING CORPORATION | $220,000 | $550,000 | 150.0% | 0.4% |
| NEW DAY FINANCIAL, LLC | $530,000 | $550,000 | 3.8% | 0.4% |
| Carrington Mortgage Services, LLC | $280,000 | $545,000 | 94.6% | 0.4% |
| RUOFF MORTGAGE COMPANY, INC. | $545,000 | n/a | 0.4% | |
| American Mortgage & Equity Consultants, Inc. | $505,000 | n/a | 0.4% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $435,000 | n/a | 0.3% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $100,000 | $425,000 | 325.0% | 0.3% |
| NORTHERN MORTGAGE SERVICES, LLC | $95,000 | $425,000 | 347.4% | 0.3% |
| First Merchants Bank | $415,000 | n/a | 0.3% | |
| HOMEXPRESS MORTGAGE CORP. | $405,000 | n/a | 0.3% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $390,000 | n/a | 0.3% | |
| ROYAL UNITED MORTGAGE LLC | $245,000 | $375,000 | 53.1% | 0.3% |
| LIBERTY HOME MORTGAGE CORPORATION | $370,000 | n/a | 0.3% | |
| 21ST MORTGAGE CORPORATION | $165,000 | $365,000 | 121.2% | 0.3% |
| Three Rivers Federal Credit Union | $365,000 | n/a | 0.3% | |
| Credence Funding Corporation | $345,000 | n/a | 0.3% | |
| MOVEMENT MORTGAGE, LLC | $2,265,000 | $340,000 | -85.0% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $580,000 | $335,000 | -42.2% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $105,000 | $310,000 | 195.2% | 0.2% |
| Figure Lending LLC | $120,000 | $305,000 | 154.2% | 0.2% |
| MYCUMORTGAGE, LLC | $105,000 | $290,000 | 176.2% | 0.2% |
| Coastal Community Bank | $50,000 | $285,000 | 470.0% | 0.2% |
| T2 FINANCIAL LLC | $300,000 | $285,000 | -5.0% | 0.2% |
| Citizens Bank | $105,000 | $260,000 | 147.6% | 0.2% |
| Civista Bank | $255,000 | n/a | 0.2% | |
| AMERICAN FINANCING CORPORATION | $245,000 | n/a | 0.2% | |
| The Farmers State Bank | $235,000 | n/a | 0.2% | |
| THE MORTGAGE LINK, INC. | $235,000 | n/a | 0.2% | |
| VILLAGE CAPITAL MORTGAGE | $225,000 | n/a | 0.2% | |
| The First National Bank of Pandora | $220,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $215,000 | n/a | 0.2% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $475,000 | $195,000 | -58.9% | 0.1% |
| First National Bank of America | $185,000 | n/a | 0.1% | |
| Flagstar Bank, FSB | $185,000 | n/a | 0.1% | |
| Discover Bank | $35,000 | $175,000 | 400.0% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $175,000 | n/a | 0.1% | |
| RAPID MORTGAGE COMPANY | $175,000 | n/a | 0.1% | |
| Heartland Bank | $165,000 | n/a | 0.1% | |
| TruHome Solutions, LLC | $165,000 | n/a | 0.1% | |
| CMG MORTGAGE, INC. | $470,000 | $155,000 | -67.0% | 0.1% |
| ENDEAVOR CAPITAL, LLC. | $155,000 | n/a | 0.1% | |
| FIRST COMMUNITY MORTGAGE, INC. | $155,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $165,000 | $145,000 | -12.1% | 0.1% |
| Hometown Equity Mortgage, LLC | $145,000 | n/a | 0.1% | |
| EQUITY RESOURCES, INC. | $450,000 | $135,000 | -70.0% | 0.1% |
| Covington Savings and Loan Association | $785,000 | $120,000 | -84.7% | 0.1% |
| Merchants Bank of Indiana | $115,000 | n/a | 0.1% | |
| RF Renovo Management Company, LLC | $115,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $105,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $375,000 | $105,000 | -72.0% | 0.1% |
| LIMA ONE CAPITAL, LLC | $95,000 | n/a | 0.1% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $165,000 | $85,000 | -48.5% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $645,000 | $75,000 | -88.4% | 0.1% |
| ASHLAND Credit Union | $65,000 | n/a | 0.0% | |
| Beeline Loans, Inc. | $65,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $115,000 | $65,000 | -43.5% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $45,000 | n/a | 0.0% | |
| LAKEVIEW LOAN SERVICING, LLC | $240,000 | $35,000 | -85.4% | 0.0% |
| SPRING EQ, LLC | $130,000 | $35,000 | -73.1% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $35,000 | n/a | 0.0% | |
| AURGROUP FINANCIAL CREDIT UNION, INC. | $25,000 | n/a | 0.0% | |
| GENERAL ELECTRIC CREDIT UNION | $490,000 | $15,000 | -96.9% | 0.0% |
| CODE | $5,000 | n/a | 0.0% |
Sidney's top lender by overall market share is QUICKEN LOANS, LLC, with 10.1% market share. In second place, with 6.8%, is NVR Mortgage Finance, Inc., having originated $9,370,000 in loans. In third place, with 6.5%, is Minster Bank, having originated $8,925,000 in loans. In fourth place, with 6.5%, is U.S. Bank, having originated $8,870,000 in loans. In fifth place, with 4.4%, is The Old Fort Banking Company, having originated $6,005,000 in loans.
Sidney, OH Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 408 | $88,050,000 | $215,809 |
| Cash Out Refi | 139 | $19,385,000 | $139,460 |
| Other | 103 | $6,235,000 | $60,534 |
| Home Improvement | 93 | $11,635,000 | $125,108 |
| Refi | 77 | $11,775,000 | $152,922 |
Sidney's most frequently cited loan purpose was Home Purchase, with 408 originations. The 2nd most popular reason was Cash Out Refi, with 139 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 313 | $65,195,000 | $208,291 |
| Over 8% | 221 | $16,375,000 | $74,095 |
| 7-8% | 154 | $25,380,000 | $164,805 |
| 5-6% | 92 | $19,490,000 | $211,848 |
| <2.5% | 5 | $145,000 | $29,000 |
| 4-5% | 3 | $745,000 | $248,333 |
| 3-4% | 1 | $215,000 | $215,000 |
During 2024, Sidney's most frequently originated rate bucket was 6-7%, with 313 originations.
Loan Sizing (Sidney, OH MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 300 | $45,020,000 | $150,067 |
| $100,000 or less | 276 | $14,190,000 | $51,413 |
| $200k-400k | 213 | $56,975,000 | $267,488 |
| $400k-600k | 28 | $13,490,000 | $481,786 |
| $600k-1000k | 2 | $1,400,000 | $700,000 |
| $Over $1MM | 1 | $6,005,000 | $6,005,000 |
Sidney's loan sizing saw the bucket of loans from $100k-200k with 300 originations, totaling $45,020,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 297 | $67,475,000 | $227,189 |
| 60-80% | 162 | $31,650,000 | $195,370 |
| Under 20% | 120 | $4,440,000 | $37,000 |
| 20-40% | 119 | $10,045,000 | $84,412 |
| 40-60% | 75 | $10,465,000 | $139,533 |
| Over 100% | 7 | $1,485,000 | $212,143 |
Sidney's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 297 originations, totaling $67,475,000 in origination value.