Washington Court House Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Washington Court House averaged
7.02%
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
7.35% and
one month ago for the week of 2025-05-15, the
average rate was 7.22%.
Washington Court House's average rate one year ago was 7.46%.
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% |
| Washington Court House 30 Year Fixed Rate | 2025-06-18 | 7.02% |
| Washington Court House 30 Year Fixed Rate Refi | 2025-06-18 | 7.21% |
| Washington Court House 15 Year Fixed Rate | 2025-06-18 | 5.96% |
| Washington Court House 15 Year Fixed Rate Refi | 2025-06-18 | 6.36% |
| Washington Court House 30 Year FHA | 2025-06-18 | 0.28% |
| Washington Court House 30 Year FHA Refi | 2025-06-18 | -0.1% |
| Washington Court House 30 Year USDA | 2025-06-18 | -0.1% |
| Washington Court House 30 Year USDA Refi | 2025-06-18 | 0% |
| Washington Court House 30 Year VA | 2025-06-18 | 0% |
| Washington Court House 30 Year VA Refi | 2025-06-18 | 0.2% |
Washington Court House 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 Washington Court House, 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.).
Washington Court House Average Closing Costs & Other Stats
Washington Court House, OH's 50 lenders originated 644
loans during 2024. The total origination value was $110,980,000, with an average loan value of
$172,329.
Washington Court House's average closing costs are $5,117.
The top Washington Court House lender as defined by loan originations is The Merchants National Bank, with
29 loans originated. Their average total fees are
$2,886, which is $29
lower than the next largest lender,
Fifth Third Bank.
The lowest fee Washington Court House lenders (with over 10 loans originated) are
The Merchants National Bank ($2,886), Fifth Third Bank ($2,915), QUICKEN LOANS, LLC ($5,180), UNITED WHOLESALE MORTGAGE, LLC ($7,248) and CROSSCOUNTRY MORTGAGE, LLC ($8,039).
The lowest rate Washington Court House lenders (with over 10 loans originated) are
Fifth Third Bank (6.91%), UNITED WHOLESALE MORTGAGE, LLC (7.06%), QUICKEN LOANS, LLC (7.07%), The Merchants National Bank (7.20%) and CROSSCOUNTRY MORTGAGE, LLC (7.36%).
Washington Court House, 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 |
|---|---|---|---|---|
| The Merchants National Bank | $5,140,000 | $8,105,000 | 57.7% | 7.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $6,065,000 | $7,630,000 | 25.8% | 6.9% |
| CROSSCOUNTRY MORTGAGE, LLC | $3,535,000 | $6,480,000 | 83.3% | 5.8% |
| The Huntington National Bank | $5,270,000 | $5,880,000 | 11.6% | 5.3% |
| QUICKEN LOANS, LLC | $4,120,000 | $5,180,000 | 25.7% | 4.7% |
| Fifth Third Bank | $6,260,000 | $4,980,000 | -20.4% | 4.5% |
| Union Savings Bank | $2,020,000 | $4,920,000 | 143.6% | 4.4% |
| NFM, INC. | $895,000 | $3,695,000 | 312.8% | 3.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $840,000 | $3,590,000 | 327.4% | 3.2% |
| Mortgage Research Center, LLC | $915,000 | $2,945,000 | 221.9% | 2.7% |
| NEWREZ LLC | $2,225,000 | $2,490,000 | 11.9% | 2.2% |
| FREEDOM MORTGAGE CORPORATION | $885,000 | $2,465,000 | 178.5% | 2.2% |
| LOANDEPOT.COM, LLC | $1,540,000 | $2,275,000 | 47.7% | 2.0% |
| GUARANTEED RATE, INC. | $3,625,000 | $2,240,000 | -38.2% | 2.0% |
| HOMESIDE FINANCIAL, LLC | $440,000 | $2,100,000 | 377.3% | 1.9% |
| UNION HOME MORTGAGE CORP. | $1,995,000 | $1,750,000 | -12.3% | 1.6% |
| U.S. Bank | $230,000 | $1,670,000 | 626.1% | 1.5% |
| PENNYMAC LOAN SERVICES, LLC | $1,000,000 | $1,605,000 | 60.5% | 1.4% |
| First State Bank | $1,650,000 | $1,530,000 | -7.3% | 1.4% |
| PNC Bank | $1,110,000 | $1,170,000 | 5.4% | 1.1% |
| WRIGHT-PATT CREDIT UNION, INC. | $1,450,000 | $1,160,000 | -20.0% | 1.0% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,440,000 | $1,145,000 | -20.5% | 1.0% |
| PLANET HOME LENDING, LLC | $1,025,000 | n/a | 0.9% | |
| The State Bank and Trust Company | $975,000 | n/a | 0.9% | |
| First Federal Community Bank of Bucyrus | $1,145,000 | $875,000 | -23.6% | 0.8% |
| BROKER SOLUTIONS, INC. | $785,000 | $865,000 | 10.2% | 0.8% |
| RUOFF MORTGAGE COMPANY, INC. | $800,000 | $795,000 | -0.6% | 0.7% |
| AMERISAVE MORTGAGE CORPORATION | $115,000 | $770,000 | 569.6% | 0.7% |
| RAPID MORTGAGE COMPANY | $890,000 | $755,000 | -15.2% | 0.7% |
| GSF Mortgage Corporation | $700,000 | n/a | 0.6% | |
| UNION CAPITAL MORTGAGE CORPORATION | $680,000 | n/a | 0.6% | |
| Paramount Residential Mortgage Group, Inc. | $1,150,000 | $635,000 | -44.8% | 0.6% |
| Equity Prime Mortgage LLC | $625,000 | n/a | 0.6% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $830,000 | $625,000 | -24.7% | 0.6% |
| DAS Acquisition Company, LLC | $1,390,000 | $615,000 | -55.8% | 0.6% |
| The Richwood Banking Company | $615,000 | n/a | 0.6% | |
| Farm Credit Mid-America, ACA | $270,000 | $590,000 | 118.5% | 0.5% |
| JPMorgan Chase Bank | $270,000 | $585,000 | 116.7% | 0.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $495,000 | $585,000 | 18.2% | 0.5% |
| GERSHMAN INVESTMENT CORP. | $555,000 | n/a | 0.5% | |
| NATIONS RELIABLE LENDING, LLC | $225,000 | $535,000 | 137.8% | 0.5% |
| AmRes Corporation | $530,000 | n/a | 0.5% | |
| Southern Hills Community Bank | $665,000 | $530,000 | -20.3% | 0.5% |
| CARDINAL FINANCIAL | $125,000 | $490,000 | 292.0% | 0.4% |
| T2 FINANCIAL LLC | $820,000 | $480,000 | -41.5% | 0.4% |
| LENDSURE MORTGAGE CORP. | $440,000 | n/a | 0.4% | |
| NexBank | $460,000 | $435,000 | -5.4% | 0.4% |
| AmeriHome Mortgage Company, LLC | $430,000 | n/a | 0.4% | |
| ENDEAVOR CAPITAL, LLC. | $285,000 | $415,000 | 45.6% | 0.4% |
| Superior Credit Union, Inc. | $415,000 | n/a | 0.4% | |
| Civista Bank | $185,000 | $405,000 | 118.9% | 0.4% |
| East Coast Capital Corp. | $405,000 | n/a | 0.4% | |
| ATOMIC CREDIT UNION, INC. | $640,000 | $400,000 | -37.5% | 0.4% |
| EQUITY RESOURCES, INC. | $400,000 | n/a | 0.4% | |
| Figure Lending LLC | $305,000 | $395,000 | 29.5% | 0.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | $295,000 | $385,000 | 30.5% | 0.3% |
| Peoples Bank | $430,000 | $380,000 | -11.6% | 0.3% |
| RF Renovo Management Company, LLC | $375,000 | n/a | 0.3% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $360,000 | n/a | 0.3% | |
| Flagstar Bank, FSB | $455,000 | $350,000 | -23.1% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $330,000 | $350,000 | 6.1% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $325,000 | n/a | 0.3% | |
| Nations Lending Corporation | $225,000 | $315,000 | 40.0% | 0.3% |
| DEVELOPER'S MORTGAGE COMPANY | $305,000 | n/a | 0.3% | |
| The Loan Store, Inc. | $305,000 | n/a | 0.3% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $300,000 | n/a | 0.3% | |
| NEW WAVE LENDING GROUP INC | $295,000 | n/a | 0.3% | |
| THE VINTON COUNTY NATIONAL BANK | $380,000 | $285,000 | -25.0% | 0.3% |
| The Savings Bank | $95,000 | $280,000 | 194.7% | 0.3% |
| TRIAD FINANCIAL SERVICES, INC. | $145,000 | $270,000 | 86.2% | 0.2% |
| The Union Bank Company | $265,000 | n/a | 0.2% | |
| GUILD MORTGAGE COMPANY | $565,000 | $255,000 | -54.9% | 0.2% |
| THE EQUITABLE MORTGAGE CORPORATION | $255,000 | n/a | 0.2% | |
| Kingston National Bank | $250,000 | n/a | 0.2% | |
| TELHIO | $250,000 | n/a | 0.2% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $175,000 | $235,000 | 34.3% | 0.2% |
| Heartland Bank | $235,000 | n/a | 0.2% | |
| LAND HOME FINANCIAL SERVICES, INC. | $235,000 | n/a | 0.2% | |
| LOANPAL, LLC | $230,000 | n/a | 0.2% | |
| LAKEVIEW LOAN SERVICING, LLC | $115,000 | $225,000 | 95.7% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $215,000 | $225,000 | 4.7% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $195,000 | $215,000 | 10.3% | 0.2% |
| First Merchants Bank | $210,000 | n/a | 0.2% | |
| KEMBA FINANCIAL | $240,000 | $210,000 | -12.5% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $155,000 | $205,000 | 32.3% | 0.2% |
| HOMELAND CREDIT UNION, INC. | $200,000 | n/a | 0.2% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $765,000 | $195,000 | -74.5% | 0.2% |
| ARC HOME LLC | $185,000 | $195,000 | 5.4% | 0.2% |
| OCEANSIDE MORTGAGE COMPANY | $195,000 | n/a | 0.2% | |
| Commerce Home Mortgage, Inc. | $185,000 | n/a | 0.2% | |
| GENEVA FINANCIAL, LLC | $145,000 | $185,000 | 27.6% | 0.2% |
| Prosperity Home Mortgage, LLC | $185,000 | n/a | 0.2% | |
| S1L, Inc. | $180,000 | n/a | 0.2% | |
| BAYSHORE MORTGAGE FUNDING, LLC | $165,000 | n/a | 0.1% | |
| FIRST SERVICE FCU | $165,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $175,000 | $165,000 | -5.7% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $195,000 | $165,000 | -15.4% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $155,000 | n/a | 0.1% | |
| Merchants Bank of Indiana | $155,000 | n/a | 0.1% | |
| North American Savings Bank, F.S.B. | $155,000 | n/a | 0.1% | |
| RELIANCE FIRST CAPITAL, LLC | $640,000 | $155,000 | -75.8% | 0.1% |
| The Federal Savings Bank | $565,000 | $155,000 | -72.6% | 0.1% |
| USAA Federal Savings Bank | $375,000 | $155,000 | -58.7% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $145,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $125,000 | $145,000 | 16.0% | 0.1% |
| Coastal Community Bank | $205,000 | $130,000 | -36.6% | 0.1% |
| CME Federal Credit Union | $225,000 | $115,000 | -48.9% | 0.1% |
| FIRST OHIO HOME FINANCE, INC. | $150,000 | $115,000 | -23.3% | 0.1% |
| LCNB National Bank | $110,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $235,000 | $105,000 | -55.3% | 0.1% |
| KEMBA CREDIT UNION, INC. | $105,000 | n/a | 0.1% | |
| Northpointe Bank | $90,000 | n/a | 0.1% | |
| Discover Bank | $205,000 | $70,000 | -65.9% | 0.1% |
| Pathways Financial Credit Union, Inc. | $65,000 | n/a | 0.1% | |
| ALLIANT CREDIT UNION | $55,000 | n/a | 0.0% | |
| Bank of America | $55,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $100,000 | $55,000 | -45.0% | 0.0% |
| The Park National Bank | $85,000 | $55,000 | -35.3% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $180,000 | $55,000 | -69.4% | 0.0% |
| CREDIT UNION OF OHIO | $25,000 | n/a | 0.0% | |
| North Valley Bank | $450,000 | $25,000 | -94.4% | 0.0% |
| WesBanco | $80,000 | $25,000 | -68.8% | 0.0% |
Washington Court House's top lender by overall market share is The Merchants National Bank, with 7.3% market share. In second place, with 6.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $7,630,000 in loans. In third place, with 5.8%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $6,480,000 in loans. In fourth place, with 5.3%, is The Huntington National Bank, having originated $5,880,000 in loans. In fifth place, with 4.7%, is QUICKEN LOANS, LLC, having originated $5,180,000 in loans.
Washington Court House, OH Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 336 | $70,950,000 | $211,161 |
| Cash Out Refi | 102 | $16,930,000 | $165,980 |
| Home Improvement | 82 | $6,650,000 | $81,098 |
| Refi | 79 | $12,775,000 | $161,709 |
| Other | 44 | $3,490,000 | $79,318 |
| NA | 1 | $185,000 | $185,000 |
Washington Court House's most frequently cited loan purpose was Home Purchase, with 336 originations. The 2nd most popular reason was Cash Out Refi, with 102 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 240 | $48,930,000 | $203,875 |
| Over 8% | 163 | $14,195,000 | $87,086 |
| 7-8% | 142 | $27,590,000 | $194,296 |
| 5-6% | 71 | $16,195,000 | $228,099 |
| <2.5% | 4 | $20,000 | $5,000 |
| 4-5% | 2 | $550,000 | $275,000 |
| 3-4% | 2 | $790,000 | $395,000 |
During 2024, Washington Court House's most frequently originated rate bucket was 6-7%, with 240 originations.
Loan Sizing (Washington Court House, OH MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 258 | $38,750,000 | $150,194 |
| $100,000 or less | 184 | $10,360,000 | $56,304 |
| $200k-400k | 169 | $45,135,000 | $267,071 |
| $400k-600k | 30 | $14,680,000 | $489,333 |
| $600k-1000k | 3 | $2,055,000 | $685,000 |
Washington Court House's loan sizing saw the bucket of loans from $100k-200k with 258 originations, totaling $38,750,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 267 | $60,465,000 | $226,461 |
| 60-80% | 134 | $26,410,000 | $197,090 |
| 20-40% | 87 | $6,815,000 | $78,333 |
| Under 20% | 58 | $2,110,000 | $36,379 |
| 40-60% | 54 | $7,230,000 | $133,889 |
| Over 100% | 8 | $2,140,000 | $267,500 |
Washington Court House's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 267 originations, totaling $60,465,000 in origination value.