Wilmington Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Wilmington averaged 6.78% for the week of 2024-02-15, compared to the national average of 6.77% for the same period.

The average rate for the prior week (2024-02-08) was 6.55% and one month ago for the week of 2024-01-11, the average rate was 6.57%.

Wilmington's average rate one year ago was 6.13%.

For refis of the same type during the week of 2024-02-15, the average rate was 7.27%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-02-15 6.77%
Wilmington 30 Year Fixed Rate 2024-02-15 6.78%
Wilmington 30 Year Fixed Rate Refi 2024-02-15 7.27%
Wilmington 15 Year Fixed Rate 2024-02-15 6.22%
Wilmington 15 Year Fixed Rate Refi 2024-02-15 6.12%
Wilmington 30 Year FHA 2024-02-15 6.45%
Wilmington 30 Year FHA Refi 2024-02-15 6.41%
Wilmington 30 Year USDA 2024-02-15 6.89%
Wilmington 30 Year USDA Refi 2024-02-15 6.49%
Wilmington 30 Year VA 2024-02-15 6.46%
Wilmington 30 Year VA Refi 2024-02-15 6.26%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
LOANDEPOT.COM, LLC 38 5.28% $4,147
WRIGHT-PATT CREDIT UNION, INC. 29 4.95% $2,885
QUICKEN LOANS, LLC 23 5.16% $7,413
The Merchants National Bank 18 5.16% $2,320
Union Savings Bank 17 4.18% $1,308
Fifth Third Bank 16 4.82% $3,993
1st National Bank 15 5.08% $2,537
The Huntington National Bank 13 5.01% $3,453
Peoples Bank 12 5.73% $2,487
UNION HOME MORTGAGE CORP. 9 5.32% $3,806
UNITED WHOLESALE MORTGAGE, LLC 9 5.29% $5,784
PNC Bank 8 4.59% $3,902
U.S. Bank 8 4.56% $3,240
CALIBER HOME LOANS, INC. 8 5.43% $4,809
JPMorgan Chase Bank 6 5.75% $4,456
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 5.52% $4,997
GUARANTEED RATE AFFINITY, LLC 5 4.66% $4,984
DAS Acquisition Company, LLC 5 5.55% $4,755
EQUITY RESOURCES, INC. 5 5.55% $3,030
GUARANTEED RATE, INC. 5 5.72% $7,006
GUILD MORTGAGE COMPANY 5 5.70% $6,271
RUOFF MORTGAGE COMPANY, INC. 5 5.75% $4,261
Carrington Mortgage Services, LLC 4 5.69% $7,121
First State Bank 4 5.53% $2,412
CROSSCOUNTRY MORTGAGE, LLC 4 4.96% $6,366
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 5.66% $4,499
Wells Fargo Bank 3 4.54% $2,870
The Park National Bank 3 6.04% $3,784
First Financial Bank 3 4.50% $4,191
Farm Credit Mid-America, ACA 3 5.00% $8,415
Paramount Residential Mortgage Group, Inc. 3 6.33% $5,679
BAYSHORE MORTGAGE FUNDING, LLC 3 5.04% $6,164
The Old Fort Banking Company 3 4.63% $2,817
LCNB National Bank 3 4.50% $2,740
OPTION FINANCIAL, LLC 2 5.06% $3,932
Mr. Cooper ( Nationstar Mortgage ) 2 3.56% $9,470
Dollar Bank, Federal Savings Bank 2 4.81% $8,940
Gateway First Bank 2 4.63% $3,942
GENERAL ELECTRIC CREDIT UNION 2 4.00% $3,495
NFM, INC. 2 4.56% $10,095
Third Federal Savings and Loan Association of Cleveland 2 4.62% $148
MID AMERICA MORTGAGE, INC. 2 5.06% $8,042
AMERIFIRST FINANCIAL CORPORATION 2 4.88% $4,262
RAPID MORTGAGE COMPANY 2 5.93% $8,061
VAN DYK MORTGAGE CORPORATION 2 5.75% $3,958
ROYAL UNITED MORTGAGE LLC 1 6.00% $7,608
AMERICAN FINANCING CORPORATION 1 5.50% $5,418
SIBCY CLINE MORTGAGE SERVICES, INC. 1 5.13% $3,229
STOCKTON MORTGAGE CORPORATION 1 4.13% $3,490
SUCCESS MORTGAGE PARTNERS, INC. 1 5.50% $4,828
Superior Credit Union, Inc. 1 4.25% $2,193
T2 FINANCIAL LLC 1 3.88% $3,759
BROKER SOLUTIONS, INC. 1 5.50% $8,202
THRIVE MORTGAGE, LLC 1 6.88% $4,919
Bank of America 1 3.88% $2,740
UNITED MORTGAGE CORP 1 3.88% $8,248
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.99% $3,939
USAA Federal Savings Bank 1 5.25% $2,972
AMERICAN MORTGAGE SERVICE COMPANY 1 6.00% $4,073
VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.25% $8,822
ENVOY MORTGAGE, LTD 1 5.88% $4,158
Equity Prime Mortgage LLC 1 4.63% $7,817
Evolve Bank & Trust 1 3.38% $4,727
EVERETT FINANCIAL, INC. 1 6.38% $2,430
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 3.88% $3,213
First Commonwealth Bank 1 5.00% $4,122
Flagstar Bank, FSB 1 3.99% $3,379
FREEDOM MORTGAGE CORPORATION 1 5.75% $4,849
Guardian Savings Bank, A Federal Savings Bank 1 4.00% $515
WesBanco 1 3.50% $6,954
HOME POINT FINANCIAL CORPORATION 1 4.38% $3,201
HOMESIDE FINANCIAL, LLC 1 5.75% $2,820
Citizens Bank 1 6.00% $3,192
KEMBA FINANCIAL 1 5.63% $2,447
LAKEVIEW LOAN SERVICING, LLC 1 3.99% $4,402
Cincinnati Federal 1 5.38% $2,978
Mercantile Bank of Michigan 1 3.75% $5,069
Merchants Bank of Indiana 1 5.63% $4,182
Nations Lending Corporation 1 3.99% $2,602
NATIONS RELIABLE LENDING, LLC 1 3.13% $5,615
NATIONWIDE MORTGAGE BANKERS, INC. 1 5.88% $3,857
NEWREZ LLC 1 5.63% $3,674
CHURCHILL MORTGAGE CORPORATION 1 7.25% $3,939
POLARIS HOME FUNDING CORP. 1 3.38% $16,652
CARDINAL FINANCIAL 1 3.75% $4,086
Republic Bank & Trust Company 1 4.88% $3,864

Wilmington Average Closing Costs & Other Stats

Wilmington, OH's 86 lenders originated 1,096 loans during 2022. The total origination value was $181,010,000, with an average loan value of $165,155.

Wilmington's average closing costs are $4,460.

The top Wilmington lender as defined by loan originations is LOANDEPOT.COM, LLC, with 38 loans originated. Their average total fees are $4,147, which is $1,262 higher than the next largest lender, WRIGHT-PATT CREDIT UNION, INC..

The lowest fee Wilmington lenders (with over 10 loans originated) are Union Savings Bank ($1,308), The Merchants National Bank ($2,320), Peoples Bank ($2,487), 1st National Bank ($2,537) and WRIGHT-PATT CREDIT UNION, INC. ($2,885).

The lowest rate Wilmington lenders (with over 10 loans originated) are Union Savings Bank (4.18%), Fifth Third Bank (4.82%), WRIGHT-PATT CREDIT UNION, INC. (4.95%), The Huntington National Bank (5.01%) and 1st National Bank (5.08%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
LOANDEPOT.COM, LLC $26,985,000 $17,185,000 -36.3% 9.5%
WRIGHT-PATT CREDIT UNION, INC. $21,040,000 $15,265,000 -27.4% 8.4%
Fifth Third Bank $16,555,000 $10,900,000 -34.2% 6.0%
The Merchants National Bank $13,125,000 $8,700,000 -33.7% 4.8%
QUICKEN LOANS, LLC $16,390,000 $6,885,000 -58.0% 3.8%
Union Savings Bank $8,945,000 $6,830,000 -23.6% 3.8%
CALIBER HOME LOANS, INC. $4,955,000 $6,820,000 37.6% 3.8%
Peoples Bank $5,680,000 $6,515,000 14.7% 3.6%
Mortgage Research Center, LLC $4,640,000 $4,855,000 4.6% 2.7%
1st National Bank $10,815,000 $3,895,000 -64.0% 2.2%
The Huntington National Bank $4,470,000 $3,840,000 -14.1% 2.1%
CROSSCOUNTRY MORTGAGE, LLC $1,135,000 $3,675,000 223.8% 2.0%
UNITED WHOLESALE MORTGAGE, LLC $3,295,000 $3,630,000 10.2% 2.0%
First Commonwealth Bank $3,380,000 $2,765,000 -18.2% 1.5%
PNC Bank $2,050,000 $2,690,000 31.2% 1.5%
DAS Acquisition Company, LLC $3,540,000 $2,625,000 -25.8% 1.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,980,000 $2,595,000 -12.9% 1.4%
First State Bank $2,950,000 $2,515,000 -14.7% 1.4%
Southern Hills Community Bank $1,830,000 $2,225,000 21.6% 1.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,155,000 $2,190,000 1.6% 1.2%
UNION HOME MORTGAGE CORP. $3,935,000 $2,135,000 -45.7% 1.2%
U.S. Bank $2,700,000 $2,045,000 -24.3% 1.1%
EQUITY RESOURCES, INC. $3,670,000 $1,920,000 -47.7% 1.1%
RUOFF MORTGAGE COMPANY, INC. $2,475,000 $1,795,000 -27.5% 1.0%
JPMorgan Chase Bank $1,825,000 $1,700,000 -6.8% 0.9%
Paramount Residential Mortgage Group, Inc. $125,000 $1,685,000 1,248.0% 0.9%
GUILD MORTGAGE COMPANY $105,000 $1,635,000 1,457.1% 0.9%
First Financial Bank $2,450,000 $1,630,000 -33.5% 0.9%
GUARANTEED RATE AFFINITY, LLC $1,630,000 n/a 0.9%
Third Federal Savings and Loan Association of Cleveland $1,600,000 n/a 0.9%
RAPID MORTGAGE COMPANY $1,045,000 $1,530,000 46.4% 0.8%
GUARANTEED RATE, INC. $1,085,000 $1,480,000 36.4% 0.8%
POLARIS HOME FUNDING CORP. $580,000 $1,315,000 126.7% 0.7%
Gateway First Bank $1,455,000 $1,255,000 -13.7% 0.7%
GENERAL ELECTRIC CREDIT UNION $405,000 $1,240,000 206.2% 0.7%
Farm Credit Mid-America, ACA $1,635,000 $1,150,000 -29.7% 0.6%
Carrington Mortgage Services, LLC $1,950,000 $1,120,000 -42.6% 0.6%
The Old Fort Banking Company $1,410,000 $1,110,000 -21.3% 0.6%
VAN DYK MORTGAGE CORPORATION $770,000 $1,025,000 33.1% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $2,695,000 $1,000,000 -62.9% 0.6%
NATIONS RELIABLE LENDING, LLC $660,000 $985,000 49.2% 0.5%
WesBanco Bank, Inc. $195,000 $985,000 405.1% 0.5%
FREEDOM MORTGAGE CORPORATION $7,005,000 $920,000 -86.9% 0.5%
Dollar Bank, Federal Savings Bank $890,000 n/a 0.5%
AMERICAN MORTGAGE SERVICE COMPANY $995,000 $730,000 -26.6% 0.4%
NAVY FEDERAL CREDIT UNION $470,000 $725,000 54.3% 0.4%
AMERIFIRST FINANCIAL CORPORATION $445,000 $695,000 56.2% 0.4%
First National Bank of Pennsylvania $695,000 n/a 0.4%
LAKEVIEW LOAN SERVICING, LLC $880,000 $690,000 -21.6% 0.4%
PENNYMAC LOAN SERVICES, LLC $2,485,000 $685,000 -72.4% 0.4%
Wells Fargo Bank $2,955,000 $685,000 -76.8% 0.4%
NBKC BANK $675,000 n/a 0.4%
NFM, INC. $360,000 $655,000 81.9% 0.4%
AMERISAVE MORTGAGE CORPORATION $1,590,000 $635,000 -60.1% 0.4%
LCNB National Bank $3,210,000 $635,000 -80.2% 0.4%
BAYSHORE MORTGAGE FUNDING, LLC $860,000 $630,000 -26.7% 0.3%
Guardian Savings Bank, A Federal Savings Bank $1,945,000 $630,000 -67.6% 0.3%
The Park National Bank $840,000 $625,000 -25.6% 0.3%
Citizens Bank $1,395,000 $585,000 -58.1% 0.3%
FCN Bank $585,000 n/a 0.3%
CHURCHILL MORTGAGE CORPORATION $970,000 $580,000 -40.2% 0.3%
THRIVE MORTGAGE, LLC $520,000 $565,000 8.7% 0.3%
T2 FINANCIAL LLC $855,000 $560,000 -34.5% 0.3%
HOMESIDE FINANCIAL, LLC $735,000 $545,000 -25.9% 0.3%
MID AMERICA MORTGAGE, INC. $445,000 $545,000 22.5% 0.3%
Equity Prime Mortgage LLC $445,000 $535,000 20.2% 0.3%
Mercantile Bank of Michigan $535,000 n/a 0.3%
USAA Federal Savings Bank $475,000 $530,000 11.6% 0.3%
NEW DAY FINANCIAL, LLC $720,000 $510,000 -29.2% 0.3%
UNITED MORTGAGE CORP. $200,000 $510,000 155.0% 0.3%
Sharefax Credit Union $220,000 $495,000 125.0% 0.3%
The Farmers State Bank $205,000 $495,000 141.5% 0.3%
Bank of America $490,000 n/a 0.3%
VILLAGE CAPITAL MORTGAGE $935,000 $465,000 -50.3% 0.3%
GUARANTY HOME MORTGAGE CORPORATION $390,000 $460,000 17.9% 0.3%
BROKER SOLUTIONS, INC. $625,000 $370,000 -40.8% 0.2%
Flagstar Bank, FSB $155,000 $365,000 135.5% 0.2%
SUCCESS MORTGAGE PARTNERS, INC. $365,000 n/a 0.2%
RELIANCE FIRST CAPITAL, LLC $630,000 $360,000 -42.9% 0.2%
Cincinnati Federal $500,000 $350,000 -30.0% 0.2%
OPTION FINANCIAL, LLC $220,000 $350,000 59.1% 0.2%
STOCKTON MORTGAGE CORPORATION $620,000 $350,000 -43.5% 0.2%
ENVOY MORTGAGE, LTD $325,000 n/a 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $255,000 $320,000 25.5% 0.2%
KEMBA FINANCIAL $320,000 n/a 0.2%
NEWREZ LLC $1,515,000 $315,000 -79.2% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $320,000 $310,000 -3.1% 0.2%
MOVEMENT MORTGAGE, LLC $1,130,000 $305,000 -73.0% 0.2%
EVERETT FINANCIAL, INC. $295,000 n/a 0.2%
Evolve Bank & Trust $295,000 n/a 0.2%
ARC HOME LLC $135,000 $275,000 103.7% 0.2%
The State Bank and Trust Company $265,000 n/a 0.1%
PHH Mortgage Corporation $360,000 $260,000 -27.8% 0.1%
SIBCY CLINE MORTGAGE SERVICES, INC. $1,010,000 $255,000 -74.8% 0.1%
US MORTGAGE CORPORATION $245,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $580,000 $240,000 -58.6% 0.1%
LIBERTY HOME MORTGAGE CORPORATION $410,000 $235,000 -42.7% 0.1%
Low VA Rates, LLC $235,000 n/a 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $285,000 $225,000 -21.1% 0.1%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $225,000 n/a 0.1%
Nations Lending Corporation $290,000 $225,000 -22.4% 0.1%
HOME POINT FINANCIAL CORPORATION $1,050,000 $215,000 -79.5% 0.1%
Superior Credit Union, Inc. $335,000 $210,000 -37.3% 0.1%
BETTER MORTGAGE CORPORATION $675,000 $205,000 -69.6% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $195,000 n/a 0.1%
EMERY FEDERAL CREDIT UNION $260,000 $195,000 -25.0% 0.1%
Hometown Equity Mortgage, LLC $195,000 n/a 0.1%
MORIA DEVELOPMENT, INC. $195,000 n/a 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $250,000 $185,000 -26.0% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $185,000 n/a 0.1%
VICTORY MORTGAGE, L.L.C. $185,000 n/a 0.1%
EMM LOANS LLC $175,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $440,000 $175,000 -60.2% 0.1%
NATIONWIDE MORTGAGE BANKERS, INC. $165,000 n/a 0.1%
PURDUE FEDERAL CREDIT UNION $165,000 n/a 0.1%
RiverHills Bank $310,000 $165,000 -46.8% 0.1%
JLB CORPORATION $155,000 n/a 0.1%
The North Side Bank & Trust Company $125,000 n/a 0.1%
FIRST COMMUNITY MORTGAGE, INC. $115,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $495,000 $115,000 -76.8% 0.1%
TRIAD FINANCIAL SERVICES, INC. $65,000 $115,000 76.9% 0.1%
USAlliance Federal Credit Union $115,000 n/a 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,170,000 $105,000 -91.0% 0.1%
Merchants Bank of Indiana $105,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $85,000 $105,000 23.5% 0.1%
First Guaranty Mortgage Corporation $1,545,000 $95,000 -93.9% 0.1%
NATIONAL COOPERATIVE BANK, N.A. $125,000 $75,000 -40.0% 0.0%
UNIVERSAL 1 CREDIT UNION $210,000 $75,000 -64.3% 0.0%
CINFED Federal Credit Union $105,000 $70,000 -33.3% 0.0%
Republic Bank & Trust Company $65,000 n/a 0.0%
Discover Bank $55,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $45,000 n/a 0.0%
Day Air Credit Union, Inc $25,000 n/a 0.0%
Figure Lending LLC $180,000 $25,000 -86.1% 0.0%
HONDA Federal Credit Union $25,000 n/a 0.0%

Wilmington's top lender by overall market share is LOANDEPOT.COM, LLC, with 9.5% market share. In second place, with 8.4%, is WRIGHT-PATT CREDIT UNION, INC., having originated $15,265,000 in loans. In third place, with 6.0%, is Fifth Third Bank, having originated $10,900,000 in loans. In fourth place, with 4.8%, is The Merchants National Bank, having originated $8,700,000 in loans. In fifth place, with 3.8%, is QUICKEN LOANS, LLC, having originated $6,885,000 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 (10.7%) $172,297 (-10.1%) 0.00 102
2018-02-01 $129,700 (3.8%) $181,121 (-12.9%) 0.00 99
2018-03-01 $129,000 (7.5%) $189,042 (-9.8%) 0.00 91
2018-04-01 $142,200 (9.6%) $197,528 (-5.5%) 0.00 93
2018-05-01 $132,425 (1.9%) $198,063 (-3.4%) 0.00 89
2018-06-01 $149,500 (12.5%) $208,000 (2.4%) 0.00 107
2018-07-01 $130,600 (-0.1%) $196,593 (-1.6%) 0.00 118
2018-08-01 $129,363 (0.6%) $193,326 (-1.4%) 0.00 123
2018-09-01 $129,900 (0.4%) $184,578 (-5.4%) 0.00 134
2018-10-01 $137,000 (9.6%) $192,085 (-1.1%) 0.00 126
2018-11-01 $139,350 (14.6%) $176,081 (-10.3%) 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 $170,677 (31.9%) $206,112 (6.6%) 0.00 102
2019-09-01 $159,018 (22.4%) $202,605 (9.8%) 0.00 107
2019-10-01 $155,645 (13.6%) $201,882 (5.1%) 0.00 110
2019-11-01 $151,083 (8.4%) $191,509 (8.8%) 0.00 101
2019-12-01 $139,900 (0.7%) $179,802 (-4.7%) 0.00 93
2020-01-01 $139,900 (0.5%) $176,214 (-11.2%) 0.00 86
2020-02-01 $132,450 (0.0%) $169,046 (-10.0%) 0.00 69
2020-03-01 $139,900 (10.6%) $194,652 (-0.6%) 0.00 67
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 (20.1%) $288,890 (40.2%) 0.00 41
2020-09-01 $181,350 (14.0%) $263,680 (30.1%) 0.00 42
2020-10-01 $175,000 (12.4%) $256,306 (27.0%) 0.00 44
2020-11-01 $179,500 (18.8%) $273,251 (42.7%) 0.00 38
2020-12-01 $179,500 (28.3%) $278,542 (54.9%) 0.00 37
2021-01-01 $193,750 (38.5%) $313,758 (78.1%) 0.00 24
2021-02-01 $225,000 (69.9%) $367,302 (117.3%) 0.00 22
2021-03-01 $135,625 (-3.1%) $318,185 (63.5%) 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 $222,650 (15.7%) $260,471 (16.6%) 0.00 62
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 (7.8%) $276,872 (6.3%) 0.00 63
2023-10-01 $240,000 (-3.9%) $289,981 (8.7%) 0.00 71
2023-11-01 $247,200 (3.6%) $302,093 (17.8%) 0.00 74
2023-12-01 $239,500 (10.6%) $278,410 (11.3%) 0.00 69
Wilmington's median listing price for 2023-12-01 was $239,500, a difference of $23,000 (10.6%) versus the prior year and $-7,700 versus the prior month.

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

Wilmington's average listing price for 2023-12-01 was $278,410, a difference of $28,328 (11.3%) versus the prior year and $-23,683 versus the prior month.

For the 2023-12-01 period, Wilmington had 69 MLS listings, a difference of -5 listings (-7%) versus the prior month and 1 listings (1%) 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 1,725 sqft
2018-02-01 0 days 1,729 sqft
2018-03-01 0 days 1,792 sqft
2018-04-01 0 days 1,845 sqft
2018-05-01 0 days 1,812 sqft
2018-06-01 0 days 1,796 sqft
2018-07-01 0 days 1,714 sqft
2018-08-01 0 days 1,668 sqft
2018-09-01 0 days 1,642 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 1,794 sqft
2019-08-01 0 days 1,766 sqft
2019-09-01 0 days 1,714 sqft
2019-10-01 0 days 1,674 sqft
2019-11-01 0 days 1,610 sqft
2019-12-01 0 days 1,469 sqft
2020-01-01 0 days 1,483 sqft
2020-02-01 0 days 1,458 sqft
2020-03-01 0 days 1,648 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 1,443 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 1,396 sqft
2022-04-01 0 days 1,568 sqft
2022-05-01 0 days 1,798 sqft
2022-06-01 0 days 1,703 sqft
2022-07-01 0 days 1,630 sqft
2022-08-01 0 days 1,550 sqft
2022-09-01 0 days 1,665 sqft
2022-10-01 0 days 1,722 sqft
2022-11-01 0 days 1,779 sqft
2022-12-01 0 days 1,580 sqft
2023-01-01 0 days 1,660 sqft
2023-02-01 0 days 1,711 sqft
2023-03-01 0 days 1,534 sqft
2023-04-01 0 days 1,512 sqft
2023-05-01 0 days 1,603 sqft
2023-06-01 0 days 1,746 sqft
2023-07-01 0 days 1,734 sqft
2023-08-01 0 days 1,620 sqft
2023-09-01 0 days 1,586 sqft
2023-10-01 0 days 1,689 sqft
2023-11-01 0 days 1,690 sqft
2023-12-01 0 days 1,600 sqft
Wilmington's median listing age (time on market) for 2023-12-01 was 0 days.

Wilmington's median square footage for active listings during the 2023-12-01 period was 1,600 sqft. One year prior, the average listing was 1,580 sqft.

Wilmington, OH Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 558 $118,890,000 $213,065
Cash Out Refi 192 $29,910,000 $155,781
Home Improvement 137 $9,045,000 $66,022
Refi 118 $15,400,000 $130,508
Other 91 $7,765,000 $85,330

Wilmington's most frequently cited loan purpose was Home Purchase, with 558 originations. The 2nd most popular reason was Cash Out Refi, with 192 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 282 $55,360,000 $196,312
4-5% 254 $42,090,000 $165,709
3-4% 225 $36,805,000 $163,578
6-7% 151 $23,175,000 $153,477
2.5-3% 71 $10,895,000 $153,451
7-8% 56 $6,210,000 $110,893
Over 8% 20 $1,170,000 $58,500
<2.5% 19 $2,385,000 $125,526

During 2022, Wilmington's most frequently originated rate bucket was 5-6%, with 282 originations.

Loan Sizing (Wilmington, OH MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 450 $66,410,000 $147,578
$100,000 or less 343 $20,725,000 $60,423
$200k-400k 258 $68,030,000 $263,682
$400k-600k 28 $13,430,000 $479,643
$600k-1000k 16 $11,300,000 $706,250
$Over $1MM 1 $1,115,000 $1,115,000

Wilmington's loan sizing saw the bucket of loans from $100k-200k with 450 originations, totaling $66,410,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 433 $90,745,000 $209,573
60-80% 220 $45,140,000 $205,182
20-40% 149 $12,565,000 $84,329
40-60% 145 $20,145,000 $138,931
Under 20% 107 $4,085,000 $38,178
Over 100% 19 $4,215,000 $221,842

Wilmington's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 433 originations, totaling $90,745,000 in origination value.