Urbana Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Urbana averaged 6.68% for the week of 2025-07-03, compared to the national average of 6.67% for the same period.

    The average rate for the prior week (2025-06-26) was 7.08% and one month ago for the week of 2025-05-29, the average rate was 6.9%.

    Urbana's average rate one year ago was 6.77%.

    For refis of the same type during the week of 2025-07-03, the average rate was 6.97%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-07-03 6.67%
    Urbana 30 Year Fixed Rate 2025-07-03 6.68%
    Urbana 30 Year Fixed Rate Refi 2025-07-03 6.97%
    Urbana 15 Year Fixed Rate 2025-07-03 6%
    Urbana 15 Year Fixed Rate Refi 2025-07-03 6%
    Urbana 30 Year FHA 2025-07-03 0.02%
    Urbana 30 Year FHA Refi 2025-07-03 0%
    Urbana 30 Year USDA 2025-07-03 -0.2%
    Urbana 30 Year USDA Refi 2025-07-03 -0.1%
    Urbana 30 Year VA 2025-07-03 -0.2%
    Urbana 30 Year VA Refi 2025-07-03 0.1%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Urbana, OH.

    Urbana 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 Urbana, 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
    QUICKEN LOANS, LLC 31 6.78% $5,647
    WRIGHT-PATT CREDIT UNION, INC. 26 6.18% $3,509
    CROSSCOUNTRY MORTGAGE, LLC 18 7.27% $4,971
    UNITED WHOLESALE MORTGAGE, LLC 10 6.76% $6,540
    LOANDEPOT.COM, LLC 9 6.83% $5,387
    NFM, INC. 9 6.94% $6,983
    The Huntington National Bank 9 6.96% $4,582
    UNION HOME MORTGAGE CORP. 8 6.86% $6,386
    Fifth Third Bank 7 6.57% $3,435
    HOMESIDE FINANCIAL, LLC 5 7.37% $8,566
    PENNYMAC LOAN SERVICES, LLC 5 6.85% $5,094
    HOWARD HANNA FINANCIAL SERVICES, INC. 5 6.83% $4,174
    JPMorgan Chase Bank 5 6.87% $5,733
    GSF Mortgage Corporation 4 6.71% $5,590
    FIRST COMMUNITY MORTGAGE, INC. 4 7.03% $7,587
    U.S. Bank 4 7.26% $2,831
    Civista Bank 3 6.54% $3,482
    NEWREZ LLC 3 6.87% $4,377
    Mr. Cooper ( Nationstar Mortgage ) 3 7.33% $9,235
    Third Federal Savings and Loan Association of Cleveland 3 5.76% $2,348
    The Richwood Banking Company 3 6.83% $2,877
    Union Savings Bank 3 7.13% $2,969
    The Farmers & Merchants State Bank 3 6.79% $3,068
    Farm Credit Mid-America, ACA 3 7.21% $9,387
    The Park National Bank 3 7.13% $3,372
    UNIVERSAL 1 CREDIT UNION 2 7.25% $3,540
    The Union Bank Company 2 6.19% $3,204
    Fidelity Federal Savings and Loan Association 2 6.50% $3,395
    HONDA Federal Credit Union 2 6.56% $2,922
    PLANET HOME LENDING, LLC 2 6.13% $4,297
    NAVY FEDERAL CREDIT UNION 2 6.50% $6,489
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.50% $5,670
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.00% $5,574
    AMERICAN FINANCING CORPORATION 1 6.50% $5,478
    BMI Federal Credit Union 1 6.38% $1,843
    BROKER SOLUTIONS, INC. 1 6.38% $7,217
    Century Mortgage Company DBA Century Lending Company 1 5.99% $6,866
    DAS Acquisition Company, LLC 1 7.00% $4,092
    EQUITY RESOURCES, INC. 1 7.13% $4,440
    First National Bank of Pennsylvania 1 7.63% $4,190
    Flagstar Bank, FSB 1 6.63% $5,159
    GUARANTEED RATE AFFINITY, LLC 1 6.88% $4,995
    GUARANTEED RATE, INC. 1 6.35% $5,903
    Guardian Savings Bank, A Federal Savings Bank 1 6.00% $1,588
    KEMBA FINANCIAL 1 6.50% $3,727
    LAKEVIEW LOAN SERVICING, LLC 1 7.35% $5,201
    Mortgage Research Center, LLC 1 6.50% $6,061
    NBKC BANK 1 6.13% $2,132
    NexBank 1 6.13% $1,945
    Pathways Financial Credit Union, Inc. 1 5.50% $2,760
    PLAZA HOME MORTGAGE, INC. 1 6.13% $3,990
    ALLIED MORTGAGE GROUP, INC. 1 6.63% $3,240
    RAPID MORTGAGE COMPANY 1 7.13% $4,978
    STOCKTON MORTGAGE CORPORATION 1 7.00% $3,784
    SUPERIOR FINANCIAL SOLUTIONS, LLC 1 6.88% $3,416
    TELHIO 1 6.25% $3,975
    The Citizens National Bank of Bluffton 1 6.50% $3,193
    The Federal Savings Bank 1 7.00% $7,974
    The Merchants National Bank 1 6.38% $2,503
    USAA Federal Savings Bank 1 6.88% $3,866
    WesBanco 1 7.13% $4,483
    ZILLOW HOME LOANS, LLC 1 7.00% $4,095

    Urbana Average Closing Costs & Other Stats

    Urbana, OH's 62 lenders originated 775 loans during 2024. The total origination value was $125,525,000, with an average loan value of $161,968.

    Urbana's average closing costs are $5,004.

    The top Urbana lender as defined by loan originations is QUICKEN LOANS, LLC, with 31 loans originated. Their average total fees are $5,647, which is $2,138 higher than the next largest lender, WRIGHT-PATT CREDIT UNION, INC..

    The lowest fee Urbana lenders (with over 10 loans originated) are WRIGHT-PATT CREDIT UNION, INC. ($3,509), CROSSCOUNTRY MORTGAGE, LLC ($4,971), QUICKEN LOANS, LLC ($5,647), UNITED WHOLESALE MORTGAGE, LLC ($6,540) and .

    The lowest rate Urbana lenders (with over 10 loans originated) are WRIGHT-PATT CREDIT UNION, INC. (6.18%), UNITED WHOLESALE MORTGAGE, LLC (6.76%), QUICKEN LOANS, LLC (6.78%), CROSSCOUNTRY MORTGAGE, LLC (7.27%) and .

    Urbana, 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 $8,975,000 $12,910,000 43.8% 10.3%
    WRIGHT-PATT CREDIT UNION, INC. $7,735,000 $8,905,000 15.1% 7.1%
    CROSSCOUNTRY MORTGAGE, LLC $5,045,000 $7,715,000 52.9% 6.1%
    UNITED WHOLESALE MORTGAGE, LLC $4,710,000 $6,785,000 44.1% 5.4%
    Mortgage Research Center, LLC $1,750,000 $6,440,000 268.0% 5.1%
    The Huntington National Bank $4,500,000 $4,800,000 6.7% 3.8%
    NFM, INC. $2,575,000 $3,860,000 49.9% 3.1%
    PENNYMAC LOAN SERVICES, LLC $1,475,000 $3,310,000 124.4% 2.6%
    Fifth Third Bank $2,195,000 $3,200,000 45.8% 2.5%
    HOMESIDE FINANCIAL, LLC $1,225,000 $3,140,000 156.3% 2.5%
    UNION HOME MORTGAGE CORP. $3,075,000 $3,100,000 0.8% 2.5%
    21ST MORTGAGE CORPORATION $3,500,000 $2,830,000 -19.1% 2.3%
    HONDA Federal Credit Union $3,265,000 $2,690,000 -17.6% 2.1%
    LOANDEPOT.COM, LLC $2,385,000 $2,490,000 4.4% 2.0%
    FREEDOM MORTGAGE CORPORATION $320,000 $2,380,000 643.8% 1.9%
    NEWREZ LLC $2,235,000 $2,380,000 6.5% 1.9%
    FIRST COMMUNITY MORTGAGE, INC. $485,000 $2,185,000 350.5% 1.7%
    HOWARD HANNA FINANCIAL SERVICES, INC. $760,000 $2,180,000 186.8% 1.7%
    The Park National Bank $3,475,000 $2,130,000 -38.7% 1.7%
    U.S. Bank $1,110,000 $1,995,000 79.7% 1.6%
    Farm Credit Mid-America, ACA $1,805,000 $1,975,000 9.4% 1.6%
    Union Savings Bank $1,600,000 $1,490,000 -6.9% 1.2%
    NAVY FEDERAL CREDIT UNION $90,000 $1,375,000 1,427.8% 1.1%
    GSF Mortgage Corporation $195,000 $1,345,000 589.7% 1.1%
    GUARANTEED RATE, INC. $1,035,000 $1,315,000 27.1% 1.0%
    JPMorgan Chase Bank $2,010,000 $1,230,000 -38.8% 1.0%
    Third Federal Savings and Loan Association of Cleveland $925,000 $1,120,000 21.1% 0.9%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,830,000 $1,075,000 -41.3% 0.9%
    Civista Bank $2,310,000 $1,010,000 -56.3% 0.8%
    Fidelity Federal Savings and Loan Association $175,000 $1,005,000 474.3% 0.8%
    Mr. Cooper ( Nationstar Mortgage ) $860,000 $985,000 14.5% 0.8%
    The Farmers & Merchants State Bank $1,020,000 $925,000 -9.3% 0.7%
    PLANET HOME LENDING, LLC $475,000 $850,000 78.9% 0.7%
    IH CREDIT UNION, INC. $705,000 $845,000 19.9% 0.7%
    BROKER SOLUTIONS, INC. $595,000 $820,000 37.8% 0.7%
    AMERISAVE MORTGAGE CORPORATION $470,000 $815,000 73.4% 0.6%
    New Carlisle Federal Savings Bank $285,000 $695,000 143.9% 0.6%
    Flagstar Bank, FSB $410,000 $675,000 64.6% 0.5%
    The Richwood Banking Company $770,000 $610,000 -20.8% 0.5%
    KEMBA FINANCIAL $405,000 $600,000 48.1% 0.5%
    THE VINTON COUNTY NATIONAL BANK $565,000 n/a 0.5%
    LENDINGHOME FUNDING CORPORATION $745,000 $560,000 -24.8% 0.4%
    LIBERTY HOME MORTGAGE CORPORATION $195,000 $560,000 187.2% 0.4%
    NEW DAY FINANCIAL, LLC $185,000 $545,000 194.6% 0.4%
    UNIVERSAL 1 CREDIT UNION $160,000 $540,000 237.5% 0.4%
    Carrington Mortgage Services, LLC $935,000 $525,000 -43.9% 0.4%
    PNC Bank $1,230,000 $510,000 -58.5% 0.4%
    EVERETT FINANCIAL, INC. $500,000 n/a 0.4%
    First Federal Bank of the Midwest $475,000 n/a 0.4%
    The Old Fort Banking Company $195,000 $475,000 143.6% 0.4%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $1,420,000 $460,000 -67.6% 0.4%
    Guardian Savings Bank, A Federal Savings Bank $445,000 $445,000 0.0% 0.4%
    The Union Bank Company $1,245,000 $445,000 -64.3% 0.4%
    VILLAGE CAPITAL MORTGAGE $205,000 $420,000 104.9% 0.3%
    NBKC BANK $415,000 n/a 0.3%
    DAS Acquisition Company, LLC $340,000 $410,000 20.6% 0.3%
    Pathways Financial Credit Union, Inc. $95,000 $410,000 331.6% 0.3%
    EQUITY RESOURCES, INC. $455,000 $405,000 -11.0% 0.3%
    KeyBank $135,000 $365,000 170.4% 0.3%
    Equity Prime Mortgage LLC $360,000 n/a 0.3%
    PLAZA HOME MORTGAGE, INC. $215,000 $360,000 67.4% 0.3%
    USAA Federal Savings Bank $65,000 $360,000 453.8% 0.3%
    VANDERBILT MORTGAGE AND FINANCE, INC. $7,995,000 $360,000 -95.5% 0.3%
    STOCKTON MORTGAGE CORPORATION $325,000 n/a 0.3%
    WesBanco $1,620,000 $320,000 -80.2% 0.3%
    AMERICAN FINANCING CORPORATION $300,000 n/a 0.2%
    ALLIED MORTGAGE GROUP, INC. $275,000 n/a 0.2%
    UNION CAPITAL MORTGAGE CORPORATION $275,000 n/a 0.2%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $265,000 n/a 0.2%
    Coastal Community Bank $90,000 $255,000 183.3% 0.2%
    American Mortgage & Equity Consultants, Inc. $235,000 n/a 0.2%
    MID AMERICA MORTGAGE, INC. $125,000 $225,000 80.0% 0.2%
    FINANCE OF AMERICA REVERSE LLC $220,000 n/a 0.2%
    Century Mortgage Company DBA Century Lending Company $215,000 n/a 0.2%
    Discover Bank $85,000 $215,000 152.9% 0.2%
    NexBank $205,000 n/a 0.2%
    Paramount Residential Mortgage Group, Inc. $510,000 $205,000 -59.8% 0.2%
    Texana Bank $205,000 n/a 0.2%
    First Financial Bank $155,000 $195,000 25.8% 0.2%
    RELIANCE FIRST CAPITAL, LLC $145,000 $195,000 34.5% 0.2%
    AMERICAN FINANCIAL RESOURCES, INC. $185,000 n/a 0.1%
    POLARIS HOME FUNDING CORP. $295,000 $185,000 -37.3% 0.1%
    The Merchants National Bank $185,000 n/a 0.1%
    TELHIO $780,000 $180,000 -76.9% 0.1%
    CREDIT UNION MORTGAGE ASSOCIATION, INC. $175,000 n/a 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $175,000 n/a 0.1%
    RAPID MORTGAGE COMPANY $175,000 n/a 0.1%
    SUPERIOR FINANCIAL SOLUTIONS, LLC $175,000 n/a 0.1%
    The Citizens National Bank of Bluffton $175,000 n/a 0.1%
    Figure Lending LLC $230,000 $165,000 -28.3% 0.1%
    GUARANTEED RATE AFFINITY, LLC $465,000 $165,000 -64.5% 0.1%
    The Federal Savings Bank $165,000 n/a 0.1%
    M&T Bank $155,000 n/a 0.1%
    LOANPAL, LLC $145,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $115,000 $140,000 21.7% 0.1%
    TJC Mortgage, Inc. $135,000 n/a 0.1%
    ZILLOW HOME LOANS, LLC $135,000 n/a 0.1%
    CARDINAL FINANCIAL $400,000 $125,000 -68.8% 0.1%
    Hometown Equity Mortgage, LLC $250,000 $125,000 -50.0% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $500,000 $125,000 -75.0% 0.1%
    DEEPHAVEN MORTGAGE LLC $115,000 n/a 0.1%
    The Middlefield Banking Company $105,000 n/a 0.1%
    First National Bank of Pennsylvania $85,000 n/a 0.1%
    BMI Federal Credit Union $65,000 n/a 0.1%
    Greenville Federal $55,000 n/a 0.0%
    Day Air Credit Union, Inc $85,000 $40,000 -52.9% 0.0%
    CME Federal Credit Union $55,000 $25,000 -54.5% 0.0%
    First Federal Community Bank of Bucyrus $315,000 $25,000 -92.1% 0.0%

    Urbana's top lender by overall market share is QUICKEN LOANS, LLC, with 10.3% market share. In second place, with 7.1%, is WRIGHT-PATT CREDIT UNION, INC., having originated $8,905,000 in loans. In third place, with 6.1%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $7,715,000 in loans. In fourth place, with 5.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $6,785,000 in loans. In fifth place, with 5.1%, is Mortgage Research Center, LLC, having originated $6,440,000 in loans.

    Urbana, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 395 $81,635,000 $206,671
    Cash Out Refi 137 $18,935,000 $138,212
    Refi 84 $15,010,000 $178,690
    Home Improvement 83 $4,795,000 $57,771
    Other 76 $5,150,000 $67,763

    Urbana's most frequently cited loan purpose was Home Purchase, with 395 originations. The 2nd most popular reason was Cash Out Refi, with 137 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 277 $56,415,000 $203,664
    Over 8% 215 $15,895,000 $73,930
    7-8% 170 $30,370,000 $178,647
    5-6% 85 $19,115,000 $224,882
    4-5% 6 $1,470,000 $245,000
    <2.5% 4 $50,000 $12,500
    3-4% 1 $145,000 $145,000

    During 2024, Urbana's most frequently originated rate bucket was 6-7%, with 277 originations.

    Loan Sizing (Urbana, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 279 $15,885,000 $56,935
    $100k-200k 259 $39,185,000 $151,293
    $200k-400k 211 $56,835,000 $269,360
    $400k-600k 20 $9,370,000 $468,500
    $600k-1000k 5 $3,205,000 $641,000
    $Over $1MM 1 $1,045,000 $1,045,000

    Urbana's loan sizing saw the bucket of loans from $100,000 or less with 279 originations, totaling $15,885,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 323 $72,615,000 $224,814
    60-80% 117 $21,855,000 $186,795
    Under 20% 117 $4,525,000 $38,675
    20-40% 116 $9,070,000 $78,190
    40-60% 50 $7,930,000 $158,600
    Over 100% 7 $1,775,000 $253,571

    Urbana's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 323 originations, totaling $72,615,000 in origination value.