Wapakoneta Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Wapakoneta averaged 6.83% for the week of 2025-07-10, compared to the national average of 6.72% for the same period.

    The average rate for the prior week (2025-07-03) was 6.68% and one month ago for the week of 2025-06-05, the average rate was 7.06%.

    Wapakoneta's average rate one year ago was 6.86%.

    For refis of the same type during the week of 2025-07-10, the average rate was 7.32%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-07-10 6.72%
    Wapakoneta 30 Year Fixed Rate 2025-07-10 6.83%
    Wapakoneta 30 Year Fixed Rate Refi 2025-07-10 7.32%
    Wapakoneta 15 Year Fixed Rate 2025-07-10 5.66%
    Wapakoneta 15 Year Fixed Rate Refi 2025-07-10 5.76%
    Wapakoneta 30 Year FHA 2025-07-10 6.52%
    Wapakoneta 30 Year FHA Refi 2025-07-10 6.62%
    Wapakoneta 30 Year USDA 2025-07-10 6.35%
    Wapakoneta 30 Year USDA Refi 2025-07-10 6.55%
    Wapakoneta 30 Year VA 2025-07-10 6.27%
    Wapakoneta 30 Year VA Refi 2025-07-10 6.57%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Wapakoneta, OH.

    Wapakoneta 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 Wapakoneta, 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
    Superior Credit Union, Inc. 78 6.63% $3,421
    Minster Bank 60 6.74% $2,212
    QUICKEN LOANS, LLC 27 6.91% $7,139
    U.S. Bank 16 6.84% $3,913
    The Federal Savings Bank 13 7.17% $5,600
    Three Rivers Federal Credit Union 9 6.69% $3,327
    GUARANTEED RATE, INC. 8 6.66% $4,549
    The Huntington National Bank 6 6.75% $4,262
    Fifth Third Bank 6 6.66% $3,921
    First Federal Bank of the Midwest 5 7.18% $3,905
    HONDA Federal Credit Union 5 6.60% $5,007
    SUPERIOR FINANCIAL SOLUTIONS, LLC 5 6.70% $3,532
    WRIGHT-PATT CREDIT UNION, INC. 4 6.00% $4,224
    JPMorgan Chase Bank 4 6.62% $3,919
    The State Bank and Trust Company 4 6.41% $5,119
    Farm Credit Mid-America, ACA 4 6.84% $6,952
    HOMESIDE FINANCIAL, LLC 4 7.34% $5,152
    The Park National Bank 3 7.00% $3,681
    NAVY FEDERAL CREDIT UNION 3 6.21% $3,112
    CROSSCOUNTRY MORTGAGE, LLC 3 6.82% $5,514
    The Citizens National Bank of Bluffton 3 6.42% $3,231
    Union Savings Bank 3 7.08% $5,822
    UNITED WHOLESALE MORTGAGE, LLC 2 6.37% $6,703
    EQUITY RESOURCES, INC. 2 6.75% $2,851
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 7.50% $4,536
    VAN DYK MORTGAGE CORPORATION 1 6.99% $4,757
    Wells Fargo Bank 1 6.25% $5,215
    PNC Bank 1 7.38% $3,142
    Ally Bank 1 7.13% $9,111
    Baxter Credit Union 1 6.63% $4,217
    BROKER SOLUTIONS, INC. 1 6.38% $5,673
    Deere Employees Credit Union 1 6.25% $4,460
    First Financial Bank 1 7.13% $4,354
    Flagstar Bank, FSB 1 6.63% $4,047
    GSF Mortgage Corporation 1 6.88% $3,992
    LOANDEPOT.COM, LLC 1 6.13% $5,724
    Mortgage Research Center, LLC 1 5.63% $2,114
    Mr. Cooper ( Nationstar Mortgage ) 1 6.99% $5,591
    NBKC BANK 1 6.50% $3,147
    NEWREZ LLC 1 7.50% $2,256
    PHH Mortgage Corporation 1 6.63% $8,224
    21ST MORTGAGE CORPORATION 1 9.12% $7,756
    ProFed Federal Credit Union 1 5.50% $3,250
    RAPID MORTGAGE COMPANY 1 7.50% $5,621
    ROYAL UNITED MORTGAGE LLC 1 6.63% $7,864
    RUOFF MORTGAGE COMPANY, INC. 1 5.88% $4,564
    THE EQUITABLE MORTGAGE CORPORATION 1 6.63% $4,822
    The Farmers & Merchants State Bank 1 7.13% $3,426
    The Union Bank Company 1 6.13% $3,643
    UNION HOME MORTGAGE CORP. 1 6.99% $5,227
    US MORTGAGE CORPORATION 1 6.88% $4,750

    Wapakoneta Average Closing Costs & Other Stats

    Wapakoneta, OH's 51 lenders originated 864 loans during 2024. The total origination value was $136,920,000, with an average loan value of $158,472.

    Wapakoneta's average closing costs are $4,246.

    The top Wapakoneta lender as defined by loan originations is Superior Credit Union, Inc., with 78 loans originated. Their average total fees are $3,421, which is $1,209 higher than the next largest lender, Minster Bank.

    The lowest fee Wapakoneta lenders (with over 10 loans originated) are Minster Bank ($2,212), Superior Credit Union, Inc. ($3,421), U.S. Bank ($3,913), The Federal Savings Bank ($5,600) and QUICKEN LOANS, LLC ($7,139).

    The lowest rate Wapakoneta lenders (with over 10 loans originated) are Superior Credit Union, Inc. (6.63%), Minster Bank (6.74%), U.S. Bank (6.84%), QUICKEN LOANS, LLC (6.91%) and The Federal Savings Bank (7.17%).

    Wapakoneta, 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
    Superior Credit Union, Inc. $27,420,000 $36,905,000 34.6% 27.0%
    Minster Bank $13,010,000 $16,385,000 25.9% 12.0%
    QUICKEN LOANS, LLC $4,910,000 $8,360,000 70.3% 6.1%
    U.S. Bank $2,845,000 $4,785,000 68.2% 3.5%
    Mortgage Research Center, LLC $1,515,000 $4,470,000 195.0% 3.3%
    The Federal Savings Bank $910,000 $3,735,000 310.4% 2.7%
    Fifth Third Bank $1,940,000 $3,270,000 68.6% 2.4%
    Three Rivers Federal Credit Union $1,670,000 $2,990,000 79.0% 2.2%
    Farm Credit Mid-America, ACA $895,000 $2,760,000 208.4% 2.0%
    The Huntington National Bank $3,630,000 $2,650,000 -27.0% 1.9%
    HONDA Federal Credit Union $1,585,000 $2,575,000 62.5% 1.9%
    NAVY FEDERAL CREDIT UNION $940,000 $2,520,000 168.1% 1.8%
    UNITED WHOLESALE MORTGAGE, LLC $1,600,000 $2,505,000 56.6% 1.8%
    First Financial Bank $2,615,000 $2,390,000 -8.6% 1.7%
    First Federal Bank of the Midwest $1,080,000 $2,295,000 112.5% 1.7%
    FREEDOM MORTGAGE CORPORATION $575,000 $1,835,000 219.1% 1.3%
    Union Savings Bank $715,000 $1,700,000 137.8% 1.2%
    GUARANTEED RATE, INC. $520,000 $1,615,000 210.6% 1.2%
    The State Bank and Trust Company $45,000 $1,580,000 3,411.1% 1.2%
    CROSSCOUNTRY MORTGAGE, LLC $2,640,000 $1,520,000 -42.4% 1.1%
    LOANDEPOT.COM, LLC $325,000 $1,455,000 347.7% 1.1%
    Carrington Mortgage Services, LLC $485,000 $1,435,000 195.9% 1.0%
    JPMorgan Chase Bank $2,625,000 $1,430,000 -45.5% 1.0%
    NEWREZ LLC $2,020,000 $1,430,000 -29.2% 1.0%
    The Citizens National Bank of Bluffton $2,505,000 $1,380,000 -44.9% 1.0%
    The Union Bank Company $940,000 $1,255,000 33.5% 0.9%
    WRIGHT-PATT CREDIT UNION, INC. $365,000 $1,245,000 241.1% 0.9%
    Servion, Inc. $1,225,000 $1,175,000 -4.1% 0.9%
    HOMESIDE FINANCIAL, LLC $190,000 $1,095,000 476.3% 0.8%
    USAA Federal Savings Bank $1,050,000 n/a 0.8%
    BROKER SOLUTIONS, INC. $55,000 $990,000 1,700.0% 0.7%
    SUPERIOR FINANCIAL SOLUTIONS, LLC $825,000 $765,000 -7.3% 0.6%
    The Park National Bank $990,000 $680,000 -31.3% 0.5%
    PLAZA HOME MORTGAGE, INC. $580,000 n/a 0.4%
    PNC Bank $330,000 $560,000 69.7% 0.4%
    UNION HOME MORTGAGE CORP. $1,520,000 $535,000 -64.8% 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $245,000 $510,000 108.2% 0.4%
    VILLAGE CAPITAL MORTGAGE $785,000 $510,000 -35.0% 0.4%
    Greenville National Bank $75,000 $435,000 480.0% 0.3%
    THE EQUITABLE MORTGAGE CORPORATION $405,000 n/a 0.3%
    LIBERTY HOME MORTGAGE CORPORATION $390,000 n/a 0.3%
    Presidential Bank, FSB $375,000 $385,000 2.7% 0.3%
    Baxter Credit Union $365,000 n/a 0.3%
    Wells Fargo Bank $555,000 $340,000 -38.7% 0.2%
    NBKC BANK $335,000 n/a 0.2%
    Flagstar Bank, FSB $335,000 $330,000 -1.5% 0.2%
    Discover Bank $555,000 $290,000 -47.7% 0.2%
    Figure Lending LLC $90,000 $290,000 222.2% 0.2%
    EQUITY RESOURCES, INC. $280,000 n/a 0.2%
    The Farmers & Merchants State Bank $80,000 $280,000 250.0% 0.2%
    The First National Bank of Pandora $420,000 $280,000 -33.3% 0.2%
    AMERISAVE MORTGAGE CORPORATION $885,000 $270,000 -69.5% 0.2%
    21ST MORTGAGE CORPORATION $205,000 $265,000 29.3% 0.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $105,000 $265,000 152.4% 0.2%
    VAN DYK MORTGAGE CORPORATION $265,000 n/a 0.2%
    Citizens Bank $25,000 $260,000 940.0% 0.2%
    AG Credit, Agricultural Credit Association $620,000 $245,000 -60.5% 0.2%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $235,000 $245,000 4.3% 0.2%
    RAPID MORTGAGE COMPANY $105,000 $245,000 133.3% 0.2%
    HOWARD HANNA FINANCIAL SERVICES, INC. $290,000 $215,000 -25.9% 0.2%
    Coastal Community Bank $55,000 $210,000 281.8% 0.2%
    Ally Bank $195,000 n/a 0.1%
    Deere Employees Credit Union $195,000 n/a 0.1%
    PHH Mortgage Corporation $155,000 $185,000 19.4% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $135,000 $180,000 33.3% 0.1%
    Alcova Mortgage LLC $165,000 n/a 0.1%
    GSF Mortgage Corporation $315,000 $165,000 -47.6% 0.1%
    US MORTGAGE CORPORATION $165,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $160,000 n/a 0.1%
    MID AMERICA MORTGAGE, INC. $155,000 n/a 0.1%
    PENNYMAC LOAN SERVICES, LLC $935,000 $155,000 -83.4% 0.1%
    SIWELL, INC. $105,000 $155,000 47.6% 0.1%
    OCEANSIDE MORTGAGE COMPANY $145,000 n/a 0.1%
    The Middlefield Banking Company $145,000 n/a 0.1%
    UNIVERSAL 1 CREDIT UNION $45,000 $145,000 222.2% 0.1%
    DEVELOPER'S MORTGAGE COMPANY $135,000 n/a 0.1%
    NEW DAY FINANCIAL, LLC $165,000 $135,000 -18.2% 0.1%
    POLARIS HOME FUNDING CORP. $65,000 $135,000 107.7% 0.1%
    ProFed Federal Credit Union $135,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $125,000 n/a 0.1%
    CONSTRUCTIVE LOANS, LLC $115,000 n/a 0.1%
    KEMBA CREDIT UNION, INC. $105,000 n/a 0.1%
    AMERICAN FINANCING CORPORATION $85,000 n/a 0.1%
    FIRST OHIO HOME FINANCE, INC. $85,000 n/a 0.1%
    M&T Bank $75,000 n/a 0.1%
    Civista Bank $65,000 n/a 0.0%
    RUOFF MORTGAGE COMPANY, INC. $280,000 $65,000 -76.8% 0.0%
    PENTAGON FEDERAL CREDIT UNION $45,000 n/a 0.0%
    KEMBA FINANCIAL $35,000 n/a 0.0%
    SPRING EQ, LLC $35,000 n/a 0.0%

    Wapakoneta's top lender by overall market share is Superior Credit Union, Inc., with 27.0% market share. In second place, with 12.0%, is Minster Bank, having originated $16,385,000 in loans. In third place, with 6.1%, is QUICKEN LOANS, LLC, having originated $8,360,000 in loans. In fourth place, with 3.5%, is U.S. Bank, having originated $4,785,000 in loans. In fifth place, with 3.3%, is Mortgage Research Center, LLC, having originated $4,470,000 in loans.

    Wapakoneta Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Wapakoneta (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 $144,900 (12.2%) $177,146 (2.7%) 0.00 134
    2018-02-01 $139,975 (9.1%) $175,776 (5.3%) 0.00 138
    2018-03-01 $149,500 (19.2%) $177,683 (7.1%) 0.00 139
    2018-04-01 $149,925 (18.6%) $182,621 (8.5%) 0.00 138
    2018-05-01 $154,750 (17.2%) $187,192 (11.5%) 0.00 140
    2018-06-01 $154,900 (19.6%) $186,179 (12.4%) 0.00 143
    2018-07-01 $146,475 (8.6%) $180,450 (10.1%) 0.00 160
    2018-08-01 $154,475 (10.4%) $186,138 (13.4%) 0.00 151
    2018-09-01 $149,900 (9.4%) $186,413 (12.9%) 0.00 150
    2018-10-01 $150,000 (13.1%) $184,066 (13.0%) 0.00 145
    2018-11-01 $152,450 (11.1%) $185,465 (9.2%) 0.00 144
    2018-12-01 $159,700 (10.4%) $190,407 (9.2%) 0.00 138
    2019-01-01 $159,600 (10.1%) $188,784 (6.6%) 0.00 109
    2019-02-01 $159,900 (14.2%) $186,548 (6.1%) 0.00 110
    2019-03-01 $163,264 (9.2%) $192,156 (8.2%) 0.00 100
    2019-04-01 $167,189 (11.5%) $197,511 (8.2%) 0.00 97
    2019-05-01 $167,350 (8.1%) $199,038 (6.3%) 0.00 116
    2019-06-01 $169,900 (9.7%) $199,327 (7.1%) 0.00 116
    2019-07-01 $157,400 (7.5%) $190,562 (5.6%) 0.00 111
    2019-08-01 $158,991 (2.9%) $189,799 (2.0%) 0.00 125
    2019-09-01 $165,127 (10.2%) $192,444 (3.2%) 0.00 125
    2019-10-01 $169,924 (13.3%) $196,411 (6.7%) 0.00 120
    2019-11-01 $169,900 (11.5%) $201,849 (8.8%) 0.00 110
    2019-12-01 $165,350 (3.5%) $198,924 (4.5%) 0.00 100
    2020-01-01 $167,400 (4.9%) $202,647 (7.3%) 0.00 88
    2020-02-01 $152,400 (-4.7%) $196,016 (5.1%) 0.00 94
    2020-03-01 $158,425 (-3.0%) $202,055 (5.2%) 0.00 91
    2020-04-01 $149,650 (-10.5%) $199,178 (0.8%) 0.00 91
    2020-05-01 $159,900 (-4.5%) $206,505 (3.8%) 0.00 82
    2020-06-01 $149,900 (-11.8%) $205,787 (3.2%) 0.00 77
    2020-07-01 $158,250 (0.5%) $197,995 (3.9%) 0.00 75
    2020-08-01 $155,900 (-1.9%) $202,289 (6.6%) 0.00 67
    2020-09-01 $163,425 (-1.0%) $208,876 (8.5%) 0.00 62
    2020-10-01 $164,000 (-3.5%) $219,596 (11.8%) 0.00 63
    2020-11-01 $135,000 (-20.5%) $195,566 (-3.1%) 0.00 62
    2020-12-01 $139,300 (-15.8%) $185,292 (-6.9%) 0.00 59
    2021-01-01 $135,000 (-19.4%) $190,340 (-6.1%) 0.00 49
    2021-02-01 $149,950 (-1.6%) $219,845 (12.2%) 0.00 39
    2021-03-01 $177,450 (12.0%) $220,302 (9.0%) 0.00 39
    2021-04-01 $196,225 (31.1%) $235,369 (18.2%) 0.00 34
    2021-05-01 $209,999 (31.3%) $277,868 (34.6%) 0.00 36
    2021-06-01 $198,800 (32.6%) $255,996 (24.4%) 0.00 36
    2021-07-01 $179,900 (13.7%) $236,868 (19.6%) 0.00 37
    2021-08-01 $175,950 (12.9%) $243,438 (20.3%) 0.00 37
    2021-09-01 $179,900 (10.1%) $211,195 (1.1%) 0.00 48
    2021-10-01 $160,950 (-1.9%) $214,060 (-2.5%) 0.00 45
    2021-11-01 $161,975 (20.0%) $220,064 (12.5%) 0.00 47
    2021-12-01 $162,000 (16.3%) $216,536 (16.9%) 0.00 44
    2022-01-01 $161,850 (19.9%) $212,228 (11.5%) 0.00 31
    2022-02-01 $150,508 (0.4%) $221,655 (0.8%) 0.00 28
    2022-03-01 $195,350 (10.1%) $239,536 (8.7%) 0.00 30
    2022-04-01 $170,000 (-13.4%) $220,926 (-6.1%) 0.00 30
    2022-05-01 $184,925 (-11.9%) $243,257 (-12.5%) 0.00 37
    2022-06-01 $192,200 (-3.3%) $253,739 (-0.9%) 0.00 43
    2022-07-01 $179,900 (0.0%) $265,849 (12.2%) 0.00 53
    2022-08-01 $179,900 (2.2%) $275,079 (13.0%) 0.00 52
    2022-09-01 $220,825 (22.8%) $296,131 (40.2%) 0.00 47
    2022-10-01 $244,900 (52.2%) $316,749 (48.0%) 0.00 46
    2022-11-01 $252,975 (56.2%) $335,560 (52.5%) 0.00 56
    2022-12-01 $240,900 (48.7%) $318,813 (47.2%) 0.00 49
    2023-01-01 $200,000 (23.6%) $300,380 (41.5%) 0.00 44
    2023-02-01 $198,675 (32.0%) $290,282 (31.0%) 0.00 42
    2023-03-01 $186,200 (-4.7%) $280,253 (17.0%) 0.00 42
    2023-04-01 $219,500 (29.1%) $303,110 (37.2%) 0.00 39
    2023-05-01 $262,450 (41.9%) $331,321 (36.2%) 0.00 36
    2023-06-01 $263,400 (37.0%) $322,467 (27.1%) 0.00 42
    2023-07-01 $270,000 (50.1%) $319,590 (20.2%) 0.00 40
    2023-08-01 $259,850 (44.4%) $310,665 (12.9%) 0.00 45
    2023-09-01 $249,950 (13.2%) $284,866 (-3.8%) 0.00 53
    2023-10-01 $279,800 (14.3%) $300,526 (-5.1%) 0.00 57
    2023-11-01 $264,700 (4.6%) $280,386 (-16.4%) 0.00 51
    2023-12-01 $253,750 (5.3%) $287,843 (-9.7%) 0.00 56
    2024-01-01 $260,750 (30.4%) $288,753 (-3.9%) 0.00 50
    2024-02-01 $284,850 (43.4%) $310,400 (6.9%) 0.00 48
    2024-03-01 $256,700 (37.9%) $307,651 (9.8%) 0.00 49
    2024-04-01 $251,500 (14.6%) $306,947 (1.3%) 0.00 47
    2024-05-01 $254,600 (-3.0%) $311,853 (-5.9%) 0.00 43
    2024-06-01 $279,950 (6.3%) $317,083 (-1.7%) 0.00 42
    2024-07-01 $258,750 (-4.2%) $305,248 (-4.5%) 0.00 47
    2024-08-01 $275,000 (5.8%) $304,792 (-1.9%) 0.00 49
    2024-09-01 $253,750 (1.5%) $294,208 (3.3%) 0.00 57
    2024-10-01 $248,900 (-11.0%) $298,203 (-0.8%) 0.00 63
    2024-11-01 $240,450 (-9.2%) $285,030 (1.7%) 0.00 63
    2024-12-01 $248,400 (-2.1%) $287,417 (-0.2%) 0.00 69
    2025-01-01 $253,263 (-2.9%) $288,713 (0.0%) 0.00 65
    2025-02-01 $289,450 (1.6%) $312,903 (0.8%) 0.00 46
    2025-03-01 $279,900 (9.0%) $313,398 (1.9%) 0.00 43
    2025-04-01 $297,725 (18.4%) $326,357 (6.3%) 0.00 43
    2025-05-01 $279,700 (9.9%) $304,235 (-2.4%) 0.00 43
    2025-06-01 $272,200 (-2.8%) $306,429 (-3.4%) 0.00 45
    Wapakoneta's median listing price for 2025-06-01 was $272,200, a difference of $-7,750 (-2.8%) versus the prior year and $-7,500 versus the prior month.

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

    Wapakoneta's average listing price for 2025-06-01 was $306,429, a difference of $-10,654 (-3.4%) versus the prior year and $2,194 versus the prior month.

    For the 2025-06-01 period, Wapakoneta had 45 MLS listings, a difference of 2 listings (5%) versus the prior month and 3 listings (7%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Wapakoneta (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,641 sqft
    2018-02-01 0 days 1,628 sqft
    2018-03-01 0 days 1,689 sqft
    2018-04-01 0 days 1,722 sqft
    2018-05-01 0 days 1,743 sqft
    2018-06-01 0 days 1,772 sqft
    2018-07-01 0 days 1,738 sqft
    2018-08-01 0 days 1,806 sqft
    2018-09-01 0 days 1,792 sqft
    2018-10-01 0 days 1,848 sqft
    2018-11-01 0 days 1,869 sqft
    2018-12-01 0 days 1,888 sqft
    2019-01-01 0 days 1,842 sqft
    2019-02-01 0 days 1,745 sqft
    2019-03-01 0 days 1,731 sqft
    2019-04-01 0 days 1,786 sqft
    2019-05-01 0 days 1,818 sqft
    2019-06-01 0 days 1,784 sqft
    2019-07-01 0 days 1,721 sqft
    2019-08-01 0 days 1,693 sqft
    2019-09-01 0 days 1,690 sqft
    2019-10-01 0 days 1,699 sqft
    2019-11-01 0 days 1,739 sqft
    2019-12-01 0 days 1,693 sqft
    2020-01-01 0 days 1,514 sqft
    2020-02-01 0 days 1,517 sqft
    2020-03-01 0 days 1,577 sqft
    2020-04-01 0 days 1,540 sqft
    2020-05-01 0 days 1,592 sqft
    2020-06-01 0 days 1,643 sqft
    2020-07-01 0 days 1,669 sqft
    2020-08-01 0 days 1,669 sqft
    2020-09-01 0 days 1,694 sqft
    2020-10-01 0 days 1,639 sqft
    2020-11-01 0 days 1,513 sqft
    2020-12-01 0 days 1,532 sqft
    2021-01-01 0 days 1,557 sqft
    2021-02-01 0 days 1,619 sqft
    2021-03-01 0 days 1,557 sqft
    2021-04-01 0 days 1,542 sqft
    2021-05-01 0 days 1,617 sqft
    2021-06-01 0 days 1,570 sqft
    2021-07-01 0 days 1,552 sqft
    2021-08-01 0 days 1,658 sqft
    2021-09-01 0 days 1,566 sqft
    2021-10-01 0 days 1,617 sqft
    2021-11-01 0 days 1,684 sqft
    2021-12-01 0 days 1,674 sqft
    2022-01-01 0 days 1,707 sqft
    2022-02-01 0 days 1,508 sqft
    2022-03-01 0 days 1,862 sqft
    2022-04-01 0 days 1,593 sqft
    2022-05-01 0 days 1,695 sqft
    2022-06-01 0 days 1,710 sqft
    2022-07-01 0 days 1,652 sqft
    2022-08-01 0 days 1,665 sqft
    2022-09-01 0 days 1,716 sqft
    2022-10-01 0 days 1,686 sqft
    2022-11-01 0 days 1,923 sqft
    2022-12-01 0 days 1,764 sqft
    2023-01-01 0 days 1,618 sqft
    2023-02-01 0 days 1,572 sqft
    2023-03-01 0 days 1,514 sqft
    2023-04-01 0 days 1,598 sqft
    2023-05-01 0 days 1,715 sqft
    2023-06-01 0 days 1,834 sqft
    2023-07-01 0 days 1,880 sqft
    2023-08-01 0 days 1,758 sqft
    2023-09-01 0 days 1,792 sqft
    2023-10-01 0 days 1,831 sqft
    2023-11-01 0 days 1,776 sqft
    2023-12-01 0 days 1,773 sqft
    2024-01-01 0 days 1,772 sqft
    2024-02-01 0 days 1,780 sqft
    2024-03-01 0 days 1,768 sqft
    2024-04-01 0 days 1,778 sqft
    2024-05-01 0 days 1,882 sqft
    2024-06-01 0 days 1,830 sqft
    2024-07-01 0 days 1,751 sqft
    2024-08-01 0 days 1,773 sqft
    2024-09-01 0 days 1,843 sqft
    2024-10-01 0 days 1,750 sqft
    2024-11-01 0 days 1,690 sqft
    2024-12-01 0 days 1,619 sqft
    2025-01-01 0 days 1,580 sqft
    2025-02-01 0 days 1,687 sqft
    2025-03-01 0 days 1,706 sqft
    2025-04-01 0 days 1,733 sqft
    2025-05-01 0 days 1,664 sqft
    2025-06-01 0 days 1,738 sqft
    Wapakoneta's median listing age (time on market) for 2025-06-01 was 0 days.

    Wapakoneta's median square footage for active listings during the 2025-06-01 period was 1,738 sqft. One year prior, the average listing was 1,830 sqft.

    Wapakoneta, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 421 $93,405,000 $221,865
    Other 129 $9,165,000 $71,047
    Home Improvement 119 $8,975,000 $75,420
    Cash Out Refi 114 $14,430,000 $126,579
    Refi 81 $10,945,000 $135,123

    Wapakoneta's most frequently cited loan purpose was Home Purchase, with 421 originations. The 2nd most popular reason was Other, with 129 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 378 $69,590,000 $184,101
    7-8% 212 $34,090,000 $160,802
    Over 8% 184 $13,200,000 $71,739
    5-6% 76 $18,520,000 $243,684
    <2.5% 7 $55,000 $7,857
    4-5% 2 $380,000 $190,000
    3-4% 1 $225,000 $225,000

    During 2024, Wapakoneta's most frequently originated rate bucket was 6-7%, with 378 originations.

    Loan Sizing (Wapakoneta, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 325 $17,135,000 $52,723
    $100k-200k 310 $45,610,000 $147,129
    $200k-400k 194 $51,590,000 $265,928
    $400k-600k 26 $12,600,000 $484,615
    $600k-1000k 6 $4,510,000 $751,667
    $Over $1MM 3 $5,475,000 $1,825,000

    Wapakoneta's loan sizing saw the bucket of loans from $100,000 or less with 325 originations, totaling $17,135,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 315 $69,095,000 $219,349
    20-40% 167 $12,315,000 $73,743
    60-80% 151 $32,475,000 $215,066
    Under 20% 126 $5,040,000 $40,000
    40-60% 84 $11,040,000 $131,429
    Over 100% 6 $1,270,000 $211,667

    Wapakoneta's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 315 originations, totaling $69,095,000 in origination value.