Wilmington 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 Wilmington averaged 6.92% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

    The average rate for the prior week (2025-04-03) was 6.74% and one month ago for the week of 2025-03-06, the average rate was 6.83%.

    Wilmington's average rate one year ago was 7.12%.

    For refis of the same type during the week of 2025-04-10, the average rate was 6.52%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Wilmington 30 Year Fixed Rate 2025-04-10 6.92%
    Wilmington 30 Year Fixed Rate Refi 2025-04-10 6.52%
    Wilmington 15 Year Fixed Rate 2025-04-10 5.92%
    Wilmington 15 Year Fixed Rate Refi 2025-04-10 6.22%
    Wilmington 30 Year FHA 2025-04-10 6.84%
    Wilmington 30 Year FHA Refi 2025-04-10 6.53%
    Wilmington 30 Year USDA 2025-04-10 6.35%
    Wilmington 30 Year USDA Refi 2025-04-10 6.45%
    Wilmington 30 Year VA 2025-04-10 6.19%
    Wilmington 30 Year VA Refi 2025-04-10 6.19%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Wilmington, OH.

    Wilmington 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 Wilmington, 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
    WRIGHT-PATT CREDIT UNION, INC. 29 6.35% $3,889
    The Merchants National Bank 22 7.17% $3,190
    Union Savings Bank 20 6.89% $2,200
    LOANDEPOT.COM, LLC 15 6.88% $5,647
    1st National Bank 14 7.21% $3,340
    The Huntington National Bank 12 6.82% $4,167
    QUICKEN LOANS, LLC 11 6.84% $6,764
    Peoples Bank 10 6.55% $2,866
    DAS Acquisition Company, LLC 9 7.25% $5,815
    PRIMELENDING, A PLAINSCAPITAL COMPANY 8 7.20% $5,364
    UNITED WHOLESALE MORTGAGE, LLC 8 7.13% $5,914
    CROSSCOUNTRY MORTGAGE, LLC 8 7.06% $5,620
    Fifth Third Bank 8 7.39% $3,241
    RUOFF MORTGAGE COMPANY, INC. 6 6.83% $4,091
    UNION HOME MORTGAGE CORP. 5 7.40% $4,517
    First State Bank 5 7.15% $2,553
    FIRST COMMUNITY MORTGAGE, INC. 5 6.97% $6,184
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 7.10% $6,613
    Farm Credit Mid-America, ACA 4 7.09% $11,288
    First Financial Bank 4 7.00% $4,328
    NEWREZ LLC 4 6.47% $6,736
    U.S. Bank 4 6.65% $4,658
    JPMorgan Chase Bank 3 7.37% $3,191
    NATIONS RELIABLE LENDING, LLC 3 6.96% $4,961
    GUARANTEED RATE AFFINITY, LLC 3 7.08% $3,865
    RAPID MORTGAGE COMPANY 3 6.79% $5,493
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 7.44% $5,469
    Guardian Savings Bank, A Federal Savings Bank 2 6.38% $947
    VAN DYK MORTGAGE CORPORATION 2 6.31% $6,248
    EQUITY RESOURCES, INC. 2 7.00% $3,743
    FREEDOM MORTGAGE CORPORATION 2 6.44% $9,026
    PNC Bank 2 6.50% $4,442
    ROYAL UNITED MORTGAGE LLC 2 6.75% $5,606
    Gateway First Bank 2 6.88% $4,193
    LIBERTY HOME MORTGAGE CORPORATION 2 7.25% $6,107
    AMERISAVE MORTGAGE CORPORATION 2 6.75% $6,692
    Wells Fargo Bank 1 7.00% $4,390
    NexBank 1 7.63% $2,104
    NFM, INC. 1 6.50% $9,916
    NP, Inc. 1 8.87% $170
    Paramount Residential Mortgage Group, Inc. 1 6.99% $7,327
    PENTAGON FEDERAL CREDIT UNION 1 6.00% $10,499
    Civista Bank 1 6.38% $8,703
    PHH Mortgage Corporation 1 6.49% $6,569
    POLARIS HOME FUNDING CORP. 1 7.13% $15,333
    CINFED Federal Credit Union 1 7.25% $5,260
    Prosperity Home Mortgage, LLC 1 7.13% $3,482
    CHURCHILL MORTGAGE CORPORATION 1 6.63% $9,239
    RELIANCE FIRST CAPITAL, LLC 1 6.88% $7,601
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 6.63% $3,195
    RiverHills Bank 1 6.50% $3,510
    BAYSHORE MORTGAGE FUNDING, LLC 1 7.25% $5,017
    T2 FINANCIAL LLC 1 6.63% $4,326
    TELHIO 1 6.49% $3,455
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.38% $4,578
    ANGEL OAK MORTGAGE SOLUTIONS LLC 1 8.38% $9,373
    Third Federal Savings and Loan Association of Cleveland 1 6.79% $2,935
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.38% $4,259
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.13% $6,096
    ENDEAVOR CAPITAL, LLC. 1 6.13% $5,322
    First National Bank of Pennsylvania 1 6.63% $7,842
    Warsaw Federal Savings and Loan Association 1 6.70% $2,919
    East Coast Capital Corp. 1 6.88% $7,446
    GENERAL ELECTRIC CREDIT UNION 1 7.25% $2,953
    GUARANTEED RATE, INC. 1 7.10% $4,958
    HOWARD HANNA FINANCIAL SERVICES, INC. 1 7.63% $5,025
    KH NETWORK CREDIT UNION 1 6.25% $5,988
    LCNB National Bank 1 6.38% $2,562
    DHI MORTGAGE COMPANY, LTD. 1 4.75% $1,834
    Merchants Bank of Indiana 1 6.25% $8,632
    MORTGAGE ACCESS CORP. 1 6.75% $7,989
    Mortgage Research Center, LLC 1 7.38% $5,629
    MOVEMENT MORTGAGE, LLC 1 6.99% $5,859
    NATIONAL COOPERATIVE BANK, N.A. 1 6.63% $1,852
    NBKC BANK 1 5.88% $4,138

    Wilmington Average Closing Costs & Other Stats

    Wilmington, OH's 75 lenders originated 926 loans during 2024. The total origination value was $175,630,000, with an average loan value of $189,665.

    Wilmington's average closing costs are $4,890.

    The top Wilmington lender as defined by loan originations is WRIGHT-PATT CREDIT UNION, INC., with 29 loans originated. Their average total fees are $3,889, which is $698 higher than the next largest lender, The Merchants National Bank.

    The lowest fee Wilmington lenders (with over 10 loans originated) are Union Savings Bank ($2,200), Peoples Bank ($2,866), The Merchants National Bank ($3,190), 1st National Bank ($3,340) and WRIGHT-PATT CREDIT UNION, INC. ($3,889).

    The lowest rate Wilmington lenders (with over 10 loans originated) are WRIGHT-PATT CREDIT UNION, INC. (6.35%), Peoples Bank (6.55%), The Huntington National Bank (6.82%), QUICKEN LOANS, LLC (6.84%) and LOANDEPOT.COM, LLC (6.88%).

    Wilmington, 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
    LOANDEPOT.COM, LLC $13,990,000 $14,565,000 4.1% 8.3%
    WRIGHT-PATT CREDIT UNION, INC. $8,025,000 $13,115,000 63.4% 7.5%
    Union Savings Bank $8,280,000 $8,525,000 3.0% 4.9%
    The Merchants National Bank $5,345,000 $7,120,000 33.2% 4.1%
    UNITED WHOLESALE MORTGAGE, LLC $3,850,000 $6,760,000 75.6% 3.8%
    QUICKEN LOANS, LLC $5,035,000 $5,830,000 15.8% 3.3%
    Fifth Third Bank $6,240,000 $5,535,000 -11.3% 3.2%
    1st National Bank $5,815,000 $5,240,000 -9.9% 3.0%
    CROSSCOUNTRY MORTGAGE, LLC $5,095,000 $4,695,000 -7.9% 2.7%
    The Huntington National Bank $4,865,000 $4,670,000 -4.0% 2.7%
    Mortgage Research Center, LLC $3,165,000 $4,460,000 40.9% 2.5%
    DAS Acquisition Company, LLC $2,070,000 $4,455,000 115.2% 2.5%
    Peoples Bank $4,685,000 $4,315,000 -7.9% 2.5%
    RF Renovo Management Company, LLC $3,765,000 n/a 2.1%
    NEWREZ LLC $2,375,000 $3,500,000 47.4% 2.0%
    First National Bank of Pennsylvania $3,080,000 n/a 1.8%
    First State Bank $1,465,000 $3,070,000 109.6% 1.7%
    Farm Credit Mid-America, ACA $1,825,000 $3,065,000 67.9% 1.7%
    DHI MORTGAGE COMPANY, LTD. $2,870,000 n/a 1.6%
    The Park National Bank $515,000 $2,860,000 455.3% 1.6%
    U.S. Bank $1,760,000 $2,665,000 51.4% 1.5%
    RUOFF MORTGAGE COMPANY, INC. $745,000 $2,485,000 233.6% 1.4%
    UNION HOME MORTGAGE CORP. $1,620,000 $2,250,000 38.9% 1.3%
    First Financial Bank $1,470,000 $2,070,000 40.8% 1.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,995,000 $2,065,000 3.5% 1.2%
    FIRST COMMUNITY MORTGAGE, INC. $1,815,000 $2,015,000 11.0% 1.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $1,560,000 $1,980,000 26.9% 1.1%
    HOMESIDE FINANCIAL, LLC $1,975,000 n/a 1.1%
    Gateway First Bank $655,000 $1,940,000 196.2% 1.1%
    FREEDOM MORTGAGE CORPORATION $545,000 $1,920,000 252.3% 1.1%
    Paramount Residential Mortgage Group, Inc. $605,000 $1,795,000 196.7% 1.0%
    NATIONS RELIABLE LENDING, LLC $505,000 $1,590,000 214.9% 0.9%
    GUARANTEED RATE AFFINITY, LLC $455,000 $1,585,000 248.4% 0.9%
    PNC Bank $1,990,000 $1,410,000 -29.1% 0.8%
    RAPID MORTGAGE COMPANY $1,565,000 $1,315,000 -16.0% 0.7%
    PENNYMAC LOAN SERVICES, LLC $390,000 $1,235,000 216.7% 0.7%
    Southern Hills Community Bank $1,285,000 $1,160,000 -9.7% 0.7%
    Equity Prime Mortgage LLC $1,125,000 n/a 0.6%
    NEW DAY FINANCIAL, LLC $345,000 $1,070,000 210.1% 0.6%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,065,000 n/a 0.6%
    AMERISAVE MORTGAGE CORPORATION $260,000 $995,000 282.7% 0.6%
    NFM, INC. $755,000 $830,000 9.9% 0.5%
    EQUITY RESOURCES, INC. $2,410,000 $815,000 -66.2% 0.5%
    JPMorgan Chase Bank $685,000 $735,000 7.3% 0.4%
    CLEARPATH LENDING $720,000 n/a 0.4%
    BAYSHORE MORTGAGE FUNDING, LLC $455,000 $710,000 56.0% 0.4%
    GENERAL ELECTRIC CREDIT UNION $1,235,000 $685,000 -44.5% 0.4%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $1,530,000 $655,000 -57.2% 0.4%
    Day Air Credit Union, Inc $460,000 $645,000 40.2% 0.4%
    BROKER SOLUTIONS, INC. $615,000 $620,000 0.8% 0.4%
    S1L, Inc. $600,000 n/a 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $315,000 $595,000 88.9% 0.3%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $580,000 n/a 0.3%
    Guardian Savings Bank, A Federal Savings Bank $620,000 $575,000 -7.3% 0.3%
    The Old Fort Banking Company $115,000 $535,000 365.2% 0.3%
    Prosperity Home Mortgage, LLC $520,000 n/a 0.3%
    Bank of America $90,000 $480,000 433.3% 0.3%
    First Commonwealth Bank $2,825,000 $475,000 -83.2% 0.3%
    LIBERTY HOME MORTGAGE CORPORATION $370,000 $475,000 28.4% 0.3%
    LCNB National Bank $1,025,000 $435,000 -57.6% 0.2%
    MID AMERICA MORTGAGE, INC. $400,000 $435,000 8.8% 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $510,000 $425,000 -16.7% 0.2%
    GUARANTEED RATE, INC. $1,195,000 $420,000 -64.9% 0.2%
    CINFED Federal Credit Union $410,000 n/a 0.2%
    RELIANCE FIRST CAPITAL, LLC $1,045,000 $410,000 -60.8% 0.2%
    POLARIS HOME FUNDING CORP. $300,000 $405,000 35.0% 0.2%
    STOCKTON MORTGAGE CORPORATION $405,000 n/a 0.2%
    AMERICAN FINANCIAL RESOURCES, INC. $125,000 $390,000 212.0% 0.2%
    CHURCHILL MORTGAGE CORPORATION $385,000 n/a 0.2%
    Civista Bank $375,000 n/a 0.2%
    NORTHERN MORTGAGE SERVICES, LLC $395,000 $355,000 -10.1% 0.2%
    Third Federal Savings and Loan Association of Cleveland $340,000 $350,000 2.9% 0.2%
    VILLAGE CAPITAL MORTGAGE $350,000 n/a 0.2%
    American Mortgage & Equity Consultants, Inc. $345,000 n/a 0.2%
    Citizens Bank $875,000 $345,000 -60.6% 0.2%
    AMERICAN PACIFIC MORTGAGE CORPORATION $1,800,000 $340,000 -81.1% 0.2%
    VAN DYK MORTGAGE CORPORATION $810,000 $340,000 -58.0% 0.2%
    PENTAGON FEDERAL CREDIT UNION $175,000 $335,000 91.4% 0.2%
    ANGEL OAK MORTGAGE SOLUTIONS LLC $325,000 n/a 0.2%
    East Coast Capital Corp. $325,000 n/a 0.2%
    NBKC BANK $325,000 n/a 0.2%
    HOWARD HANNA FINANCIAL SERVICES, INC. $345,000 $305,000 -11.6% 0.2%
    LAKEVIEW LOAN SERVICING, LLC $285,000 n/a 0.2%
    Warsaw Federal Savings and Loan Association $285,000 $285,000 0.0% 0.2%
    J. VIRGIL, INC. $275,000 n/a 0.2%
    GUILD MORTGAGE COMPANY $830,000 $265,000 -68.1% 0.2%
    Merchants Bank of Indiana $265,000 n/a 0.2%
    ROYAL UNITED MORTGAGE LLC $255,000 $265,000 3.9% 0.2%
    SIBCY CLINE MORTGAGE SERVICES, INC. $155,000 $265,000 71.0% 0.2%
    Wells Fargo Bank $265,000 n/a 0.2%
    Figure Lending LLC $35,000 $260,000 642.9% 0.1%
    KEMBA CREDIT UNION, INC. $65,000 $255,000 292.3% 0.1%
    MICHIGAN MUTUAL, INC. $235,000 n/a 0.1%
    NP, Inc. $235,000 n/a 0.1%
    Bank of England $215,000 n/a 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $215,000 n/a 0.1%
    MORTGAGE ACCESS CORP. $205,000 n/a 0.1%
    KeyBank $385,000 $195,000 -49.4% 0.1%
    LEADERONE FINANCIAL CORPORATION $195,000 n/a 0.1%
    USAA Federal Savings Bank $725,000 $195,000 -73.1% 0.1%
    DEEPHAVEN MORTGAGE LLC $175,000 n/a 0.1%
    State Department Federal Credit Union $175,000 n/a 0.1%
    The Federal Savings Bank $500,000 $175,000 -65.0% 0.1%
    NexBank $165,000 n/a 0.1%
    Spring Valley Bank $165,000 n/a 0.1%
    AmRes Corporation $155,000 n/a 0.1%
    OCMBC, INC. $145,000 n/a 0.1%
    PHH Mortgage Corporation $145,000 n/a 0.1%
    First Federal Community Bank of Bucyrus $135,000 n/a 0.1%
    TOP FLITE FINANCIAL, INC. $135,000 n/a 0.1%
    Coastal Community Bank $45,000 $130,000 188.9% 0.1%
    SPRING EQ, LLC $130,000 n/a 0.1%
    ENDEAVOR CAPITAL, LLC. $125,000 n/a 0.1%
    T2 FINANCIAL LLC $400,000 $125,000 -68.8% 0.1%
    The Farmers State Bank $360,000 $125,000 -65.3% 0.1%
    Carrington Mortgage Services, LLC $170,000 $115,000 -32.4% 0.1%
    MOVEMENT MORTGAGE, LLC $340,000 $115,000 -66.2% 0.1%
    RiverHills Bank $1,525,000 $115,000 -92.5% 0.1%
    AMERITRUST MORTGAGE CORPORATION $105,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $105,000 n/a 0.1%
    First Federal Savings and Loan Association of Lakewood $105,000 n/a 0.1%
    LOANPAL, LLC $105,000 n/a 0.1%
    KH NETWORK CREDIT UNION $95,000 n/a 0.1%
    RESIDENTIAL WHOLESALE MORTGAGE, INC. $95,000 n/a 0.1%
    SUCCESS MORTGAGE PARTNERS, INC. $95,000 n/a 0.1%
    NATIONAL COOPERATIVE BANK, N.A. $45,000 $85,000 88.9% 0.0%
    NAVY FEDERAL CREDIT UNION $1,020,000 $75,000 -92.6% 0.0%
    TELHIO $75,000 n/a 0.0%
    21ST MORTGAGE CORPORATION $35,000 $70,000 100.0% 0.0%
    WesBanco $65,000 n/a 0.0%
    CME Federal Credit Union $235,000 $45,000 -80.9% 0.0%
    EMERY FEDERAL CREDIT UNION $270,000 $45,000 -83.3% 0.0%
    Discover Bank $595,000 $35,000 -94.1% 0.0%
    Transportation Federal Credit Union $35,000 n/a 0.0%
    TRIAD FINANCIAL SERVICES, INC. $215,000 $35,000 -83.7% 0.0%
    CODE $15,000 n/a 0.0%

    Wilmington's top lender by overall market share is LOANDEPOT.COM, LLC, with 8.3% market share. In second place, with 7.5%, is WRIGHT-PATT CREDIT UNION, INC., having originated $13,115,000 in loans. In third place, with 4.9%, is Union Savings Bank, having originated $8,525,000 in loans. In fourth place, with 4.1%, is The Merchants National Bank, having originated $7,120,000 in loans. In fifth place, with 3.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $6,760,000 in loans.

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

    Realtor.com - Wilmington (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 $127,050 (12.9%) $172,297 (-9.9%) 0.00 102
    2018-02-01 $129,700 (3.8%) $181,121 (-12.7%) 0.00 99
    2018-03-01 $129,000 (7.6%) $189,042 (-9.7%) 0.00 91
    2018-04-01 $142,200 (9.8%) $197,528 (-5.3%) 0.00 93
    2018-05-01 $132,425 (1.9%) $198,063 (-3.2%) 0.00 89
    2018-06-01 $149,500 (13.5%) $208,000 (2.7%) 0.00 107
    2018-07-01 $130,600 (0.5%) $196,593 (-1.4%) 0.00 118
    2018-08-01 $129,363 (1.3%) $193,326 (-1.2%) 0.00 123
    2018-09-01 $129,900 (0.7%) $184,578 (-5.2%) 0.00 134
    2018-10-01 $137,000 (9.7%) $192,085 (-1.0%) 0.00 127
    2018-11-01 $139,350 (14.6%) $176,081 (-10.2%) 0.00 121
    2018-12-01 $139,000 (14.9%) $188,616 (-3.7%) 0.00 111
    2019-01-01 $139,200 (9.6%) $198,444 (15.2%) 0.00 91
    2019-02-01 $132,500 (2.2%) $187,784 (3.7%) 0.00 84
    2019-03-01 $126,464 (-2.0%) $195,739 (3.5%) 0.00 78
    2019-04-01 $134,589 (-5.4%) $209,746 (6.2%) 0.00 79
    2019-05-01 $138,700 (4.7%) $207,700 (4.9%) 0.00 86
    2019-06-01 $152,250 (1.8%) $191,607 (-7.9%) 0.00 92
    2019-07-01 $173,675 (33.0%) $203,607 (3.6%) 0.00 92
    2019-08-01 $169,623 (31.1%) $206,292 (6.7%) 0.00 101
    2019-09-01 $158,557 (22.1%) $202,684 (9.8%) 0.00 107
    2019-10-01 $155,580 (13.6%) $202,255 (5.3%) 0.00 110
    2019-11-01 $152,267 (9.3%) $192,302 (9.2%) 0.00 102
    2019-12-01 $139,900 (0.7%) $180,722 (-4.2%) 0.00 94
    2020-01-01 $139,900 (0.5%) $176,214 (-11.2%) 0.00 86
    2020-02-01 $134,900 (1.8%) $170,217 (-9.4%) 0.00 70
    2020-03-01 $141,950 (12.3%) $195,217 (-0.3%) 0.00 68
    2020-04-01 $182,875 (35.9%) $205,561 (-2.0%) 0.00 63
    2020-05-01 $179,900 (29.7%) $208,094 (0.2%) 0.00 50
    2020-06-01 $222,375 (46.1%) $300,435 (56.8%) 0.00 43
    2020-07-01 $250,200 (44.1%) $330,484 (62.3%) 0.00 34
    2020-08-01 $205,000 (20.9%) $288,890 (40.0%) 0.00 41
    2020-09-01 $181,350 (14.4%) $263,680 (30.1%) 0.00 42
    2020-10-01 $175,000 (12.5%) $256,306 (26.7%) 0.00 44
    2020-11-01 $179,500 (17.9%) $273,251 (42.1%) 0.00 38
    2020-12-01 $179,500 (28.3%) $278,542 (54.1%) 0.00 37
    2021-01-01 $193,750 (38.5%) $313,758 (78.1%) 0.00 24
    2021-02-01 $225,000 (66.8%) $367,302 (115.8%) 0.00 22
    2021-03-01 $135,625 (-4.5%) $318,185 (63.0%) 0.00 25
    2021-04-01 $160,925 (-12.0%) $343,929 (67.3%) 0.00 28
    2021-05-01 $174,450 (-3.0%) $247,797 (19.1%) 0.00 31
    2021-06-01 $164,950 (-25.8%) $240,281 (-20.0%) 0.00 26
    2021-07-01 $174,900 (-30.1%) $226,528 (-31.5%) 0.00 42
    2021-08-01 $176,050 (-14.1%) $200,368 (-30.6%) 0.00 49
    2021-09-01 $192,450 (6.1%) $223,318 (-15.3%) 0.00 58
    2021-10-01 $182,450 (4.3%) $213,653 (-16.6%) 0.00 61
    2021-11-01 $188,625 (5.1%) $210,940 (-22.8%) 0.00 51
    2021-12-01 $208,550 (16.2%) $235,052 (-15.6%) 0.00 37
    2022-01-01 $200,000 (3.2%) $232,389 (-25.9%) 0.00 30
    2022-02-01 $209,750 (-6.8%) $263,152 (-28.4%) 0.00 31
    2022-03-01 $185,000 (36.4%) $263,585 (-17.2%) 0.00 37
    2022-04-01 $207,250 (28.8%) $270,236 (-21.4%) 0.00 39
    2022-05-01 $233,425 (33.8%) $311,765 (25.8%) 0.00 43
    2022-06-01 $202,125 (22.5%) $276,826 (15.2%) 0.00 53
    2022-07-01 $215,450 (23.2%) $275,756 (21.7%) 0.00 71
    2022-08-01 $215,675 (22.5%) $267,745 (33.6%) 0.00 68
    2022-09-01 $224,900 (16.9%) $261,582 (17.1%) 0.00 63
    2022-10-01 $249,800 (36.9%) $266,851 (24.9%) 0.00 62
    2022-11-01 $238,625 (26.5%) $256,489 (21.6%) 0.00 65
    2022-12-01 $216,500 (3.8%) $250,082 (6.4%) 0.00 68
    2023-01-01 $236,750 (18.4%) $251,991 (8.4%) 0.00 52
    2023-02-01 $247,450 (18.0%) $262,333 (-0.3%) 0.00 52
    2023-03-01 $263,325 (42.3%) $261,944 (-0.6%) 0.00 43
    2023-04-01 $195,000 (-5.9%) $245,123 (-9.3%) 0.00 48
    2023-05-01 $197,475 (-15.4%) $241,632 (-22.5%) 0.00 38
    2023-06-01 $242,475 (20.0%) $303,019 (9.5%) 0.00 45
    2023-07-01 $264,950 (23.0%) $326,430 (18.4%) 0.00 51
    2023-08-01 $244,000 (13.1%) $284,361 (6.2%) 0.00 55
    2023-09-01 $240,000 (6.7%) $276,872 (5.9%) 0.00 63
    2023-10-01 $240,000 (-3.9%) $289,519 (8.5%) 0.00 71
    2023-11-01 $246,950 (3.5%) $301,018 (17.4%) 0.00 75
    2023-12-01 $239,500 (10.6%) $278,410 (11.3%) 0.00 70
    2024-01-01 $239,750 (1.3%) $288,384 (14.4%) 0.00 58
    2024-02-01 $262,100 (5.9%) $321,486 (22.6%) 0.00 46
    2024-03-01 $242,450 (-7.9%) $354,877 (35.5%) 0.00 43
    2024-04-01 $257,191 (31.9%) $390,051 (59.1%) 0.00 37
    2024-05-01 $282,858 (43.2%) $395,814 (63.8%) 0.00 50
    2024-06-01 $277,450 (14.4%) $367,665 (21.3%) 0.00 72
    2024-07-01 $263,700 (-0.5%) $331,583 (1.6%) 0.00 77
    2024-08-01 $260,000 (6.6%) $340,589 (19.8%) 0.00 78
    2024-09-01 $260,000 (8.3%) $344,394 (24.4%) 0.00 99
    2024-10-01 $257,450 (7.3%) $330,820 (14.3%) 0.00 97
    2024-11-01 $249,900 (1.2%) $297,392 (-1.2%) 0.00 90
    2024-12-01 $242,200 (1.1%) $271,026 (-2.7%) 0.00 75
    2025-01-01 $249,000 (3.9%) $281,248 (-2.5%) 0.00 67
    2025-02-01 $259,925 (-0.8%) $293,997 (-8.6%) 0.00 56
    2025-03-01 $271,950 (12.2%) $283,846 (-20.0%) 0.00 49
    Wilmington's median listing price for 2025-03-01 was $271,950, a difference of $29,500 (12.2%) versus the prior year and $12,025 versus the prior month.

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

    Wilmington's average listing price for 2025-03-01 was $283,846, a difference of $-71,031 (-20.0%) versus the prior year and $-10,151 versus the prior month.

    For the 2025-03-01 period, Wilmington had 49 MLS listings, a difference of -7 listings (-13%) versus the prior month and 6 listings (14%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Wilmington (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,736 sqft
    2018-02-01 0 days 1,747 sqft
    2018-03-01 0 days 1,832 sqft
    2018-04-01 0 days 1,862 sqft
    2018-05-01 0 days 1,821 sqft
    2018-06-01 0 days 1,800 sqft
    2018-07-01 0 days 1,718 sqft
    2018-08-01 0 days 1,677 sqft
    2018-09-01 0 days 1,648 sqft
    2018-10-01 0 days 1,658 sqft
    2018-11-01 0 days 1,671 sqft
    2018-12-01 0 days 1,680 sqft
    2019-01-01 0 days 1,708 sqft
    2019-02-01 0 days 1,672 sqft
    2019-03-01 0 days 1,587 sqft
    2019-04-01 0 days 1,560 sqft
    2019-05-01 0 days 1,724 sqft
    2019-06-01 0 days 1,600 sqft
    2019-07-01 0 days 1,836 sqft
    2019-08-01 0 days 1,827 sqft
    2019-09-01 0 days 1,741 sqft
    2019-10-01 0 days 1,676 sqft
    2019-11-01 0 days 1,652 sqft
    2019-12-01 0 days 1,508 sqft
    2020-01-01 0 days 1,513 sqft
    2020-02-01 0 days 1,495 sqft
    2020-03-01 0 days 1,714 sqft
    2020-04-01 0 days 1,686 sqft
    2020-05-01 0 days 1,728 sqft
    2020-06-01 0 days 1,879 sqft
    2020-07-01 0 days 2,143 sqft
    2020-08-01 0 days 1,887 sqft
    2020-09-01 0 days 1,603 sqft
    2020-10-01 0 days 1,461 sqft
    2020-11-01 0 days 1,415 sqft
    2020-12-01 0 days 1,457 sqft
    2021-01-01 0 days 1,460 sqft
    2021-02-01 0 days 1,647 sqft
    2021-03-01 0 days 1,455 sqft
    2021-04-01 0 days 1,442 sqft
    2021-05-01 0 days 1,528 sqft
    2021-06-01 0 days 1,516 sqft
    2021-07-01 0 days 1,660 sqft
    2021-08-01 0 days 1,513 sqft
    2021-09-01 0 days 1,578 sqft
    2021-10-01 0 days 1,629 sqft
    2021-11-01 0 days 1,782 sqft
    2021-12-01 0 days 1,650 sqft
    2022-01-01 0 days 1,608 sqft
    2022-02-01 0 days 1,910 sqft
    2022-03-01 0 days 1,391 sqft
    2022-04-01 0 days 1,568 sqft
    2022-05-01 0 days 1,792 sqft
    2022-06-01 0 days 1,685 sqft
    2022-07-01 0 days 1,630 sqft
    2022-08-01 0 days 1,544 sqft
    2022-09-01 0 days 1,653 sqft
    2022-10-01 0 days 1,708 sqft
    2022-11-01 0 days 1,776 sqft
    2022-12-01 0 days 1,591 sqft
    2023-01-01 0 days 1,660 sqft
    2023-02-01 0 days 1,715 sqft
    2023-03-01 0 days 1,567 sqft
    2023-04-01 0 days 1,526 sqft
    2023-05-01 0 days 1,578 sqft
    2023-06-01 0 days 1,718 sqft
    2023-07-01 0 days 1,729 sqft
    2023-08-01 0 days 1,598 sqft
    2023-09-01 0 days 1,582 sqft
    2023-10-01 0 days 1,700 sqft
    2023-11-01 0 days 1,724 sqft
    2023-12-01 0 days 1,623 sqft
    2024-01-01 0 days 1,533 sqft
    2024-02-01 0 days 1,666 sqft
    2024-03-01 0 days 1,718 sqft
    2024-04-01 0 days 1,770 sqft
    2024-05-01 0 days 1,804 sqft
    2024-06-01 0 days 1,698 sqft
    2024-07-01 0 days 1,724 sqft
    2024-08-01 0 days 1,680 sqft
    2024-09-01 0 days 1,750 sqft
    2024-10-01 0 days 1,725 sqft
    2024-11-01 0 days 1,721 sqft
    2024-12-01 0 days 1,644 sqft
    2025-01-01 0 days 1,673 sqft
    2025-02-01 0 days 1,686 sqft
    2025-03-01 0 days 1,782 sqft
    Wilmington's median listing age (time on market) for 2025-03-01 was 0 days.

    Wilmington's median square footage for active listings during the 2025-03-01 period was 1,782 sqft. One year prior, the average listing was 1,718 sqft.

    Wilmington, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 486 $116,370,000 $239,444
    Cash Out Refi 150 $26,910,000 $179,400
    Home Improvement 123 $8,355,000 $67,927
    Refi 92 $18,640,000 $202,609
    Other 75 $5,355,000 $71,400

    Wilmington's most frequently cited loan purpose was Home Purchase, with 486 originations. The 2nd most popular reason was Cash Out Refi, with 150 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 343 $79,665,000 $232,259
    Over 8% 237 $18,025,000 $76,055
    7-8% 230 $53,050,000 $230,652
    5-6% 79 $19,405,000 $245,633
    4-5% 10 $2,260,000 $226,000
    <2.5% 7 $55,000 $7,857
    3-4% 4 $980,000 $245,000

    During 2024, Wilmington's most frequently originated rate bucket was 6-7%, with 343 originations.

    Loan Sizing (Wilmington, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 313 $46,775,000 $149,441
    $200k-400k 278 $75,570,000 $271,835
    $100,000 or less 276 $14,680,000 $53,188
    $400k-600k 39 $18,645,000 $478,077
    $600k-1000k 18 $13,590,000 $755,000
    $Over $1MM 2 $6,370,000 $3,185,000

    Wilmington's loan sizing saw the bucket of loans from $100k-200k with 313 originations, totaling $46,775,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 373 $91,385,000 $245,000
    60-80% 157 $44,115,000 $280,987
    Under 20% 137 $5,735,000 $41,861
    20-40% 135 $11,935,000 $88,407
    40-60% 92 $14,930,000 $162,283
    Over 100% 11 $2,985,000 $271,364

    Wilmington's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 373 originations, totaling $91,385,000 in origination value.