Wilmington Mortgage Rates

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

    30 Year Fixed Rate mortgages in Wilmington averaged 6.29% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

    The average rate for the prior week (2022-06-16) was 6.16% and one month ago for the week of 2022-05-19, the average rate was 5.63%.

    Wilmington's average rate one year ago was 3.32%.

    For refis of the same type during the week of 2022-06-23, the average rate was 5.93%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2022-06-23 5.81%
    Wilmington 30 Year Fixed Rate 2022-06-23 6.29%
    Wilmington 30 Year Fixed Rate Refi 2022-06-23 5.93%
    Wilmington 15 Year Fixed Rate 2022-06-23 5.52%
    Wilmington 15 Year Fixed Rate Refi 2022-06-23 5.1%
    Wilmington 30 Year FHA 2022-06-23 0.58%
    Wilmington 30 Year FHA Refi 2022-06-23 0.15%
    Wilmington 30 Year USDA 2022-06-23 0.17%
    Wilmington 30 Year USDA Refi 2022-06-23 -0.03%
    Wilmington 30 Year VA 2022-06-23 0.24%
    Wilmington 30 Year VA Refi 2022-06-23 0.13%
    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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
    LOANDEPOT.COM, LLC 50 3.24% $4,115
    WRIGHT-PATT CREDIT UNION, INC. 47 3.41% $2,035
    1st National Bank 38 3.35% $1,940
    Fifth Third Bank 38 3.20% $2,797
    The Merchants National Bank 35 3.42% $1,503
    QUICKEN LOANS, LLC 33 3.25% $4,891
    Union Savings Bank 26 2.99% $725
    First State Bank 15 3.42% $2,052
    Peoples Bank 14 3.34% $2,317
    The Huntington National Bank 12 3.15% $3,231
    EQUITY RESOURCES, INC. 11 3.05% $2,871
    CALIBER HOME LOANS, INC. 10 3.20% $3,519
    LCNB National Bank 9 2.97% $2,836
    UNITED WHOLESALE MORTGAGE, LLC 9 3.00% $3,565
    DAS Acquisition Company, LLC 7 3.19% $3,604
    U.S. Bank 7 3.20% $2,643
    RUOFF MORTGAGE COMPANY, INC. 7 3.05% $2,868
    Guardian Savings Bank, A Federal Savings Bank 6 3.02% $636
    Wells Fargo Bank 6 3.50% $3,136
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 3.25% $3,876
    JPMorgan Chase Bank 6 3.15% $3,048
    GUARANTEED RATE, INC. 5 3.20% $3,185
    Carrington Mortgage Services, LLC 5 3.93% $4,486
    UNION HOME MORTGAGE CORP. 5 3.50% $3,884
    First Financial Bank 5 3.45% $3,182
    PRIMELENDING, A PLAINSCAPITAL COMPANY 5 3.03% $4,226
    PENNYMAC LOAN SERVICES, LLC 5 3.05% $6,043
    AMERISAVE MORTGAGE CORPORATION 4 3.12% $4,711
    AMERICAN MORTGAGE SERVICE COMPANY 4 2.97% $2,968
    BAYSHORE MORTGAGE FUNDING, LLC 4 3.50% $4,049
    FREEDOM MORTGAGE CORPORATION 4 3.34% $1,830
    Farm Credit Mid-America, ACA 4 3.48% $6,813
    PNC Bank 4 3.25% $2,719
    Mr. Cooper ( Nationstar Mortgage ) 3 3.33% $3,091
    BETTER MORTGAGE CORPORATION 3 3.08% $2,367
    CROSSCOUNTRY MORTGAGE, LLC 3 3.71% $3,834
    Liberty Savings Bank, F.S.B. 3 2.79% $3,118
    NEWREZ LLC 3 3.08% $3,244
    LENDUS, LLC 2 3.12% $3,633
    The Old Fort Banking Company 2 3.00% $2,521
    OPTION FINANCIAL, LLC 2 3.69% $3,735
    SIBCY CLINE MORTGAGE SERVICES, INC. 2 3.06% $3,035
    HOME POINT FINANCIAL CORPORATION 2 3.19% $2,621
    First Guaranty Mortgage Corporation 2 3.06% $6,074
    AMERIFIRST FINANCIAL CORPORATION 2 3.38% $3,781
    STOCKTON MORTGAGE CORPORATION 2 3.38% $2,852
    Citizens Bank 2 2.81% $4,398
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 2 3.00% $3,321
    PHH Mortgage Corporation 2 3.38% $6,340
    VAN DYK MORTGAGE CORPORATION 2 3.31% $3,533
    First Federal Savings and Loan Association of Lakewood 2 3.36% $5,607
    Gateway First Bank 2 3.13% $2,832
    NATIONS RELIABLE LENDING, LLC 2 3.13% $4,370
    Northpointe Bank 1 3.38% $2,578
    Northwest Bank 1 2.88% $2,261
    Civista Bank 1 3.50% $3,223
    PENTAGON FEDERAL CREDIT UNION 1 2.88% $2,446
    PLANET HOME LENDING, LLC 1 4.50% $10,378
    Cincinnati Federal 1 3.13% $2,885
    POLARIS HOME FUNDING CORP. 1 3.25% $1,800
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.38% $2,149
    CELEBRITY HOME LOANS, LLC 1 3.38% $3,402
    Prosperity Home Mortgage, LLC 1 2.88% $3,588
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 3.00% $2,840
    RAPID MORTGAGE COMPANY 1 3.50% $5,168
    RELIANCE FIRST CAPITAL, LLC 1 3.25% $1,968
    RiverHills Bank 1 3.13% $2,573
    BNC National Bank 1 2.88% $2,520
    Sharefax Credit Union 1 3.38% $2,231
    SOFI LENDING CORP. 1 3.00% $3,199
    Stifel Bank and Trust 1 2.75% $2,428
    SUMMIT FUNDING, INC. 1 2.99% $5,356
    Superior Credit Union, Inc. 1 2.13% $2,573
    TCF National Bank 1 4.13% $2,984
    TELHIO 1 3.00% $3,028
    Barrington Bank & Trust Company, N.A. 1 2.88% $3,071
    Bank of England 1 3.50% $4,018
    The Park National Bank 1 3.38% $2,031
    The Union Bank Company 1 2.88% $2,138
    THRIVE MORTGAGE, LLC 1 3.50% $3,629
    ARC HOME LLC 1 3.38% $1,737
    UNITED MORTGAGE CORP. 1 3.38% $3,139
    AMERICAN FINANCING CORPORATION 1 2.88% $3,118
    UNIVERSAL 1 CREDIT UNION 1 3.13% $2,887
    AMERICAN FINANCIAL NETWORK, INC. 1 3.50% $6,869
    Ally Bank 1 2.25% $6,923
    GUILD MORTGAGE COMPANY 1 3.38% $3,488
    Flagstar Bank, FSB 1 3.25% $2,100
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 2.99% $2,943
    HOMESIDE FINANCIAL, LLC 1 2.50% $3,817
    First Savings Bank 1 2.88% $2,557
    KeyBank 1 3.75% $3,260
    LIBERTY HOME MORTGAGE CORPORATION 1 3.25% $5,260
    WINGS FINANCIAL 1 3.00% $3,497
    MID AMERICA MORTGAGE, INC. 1 3.50% $1,261
    MOVEMENT MORTGAGE, LLC 1 3.44% $3,559
    FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 1 4.38% $3,358
    Nations Lending Corporation 1 3.38% $5,400
    ACADEMY MORTGAGE CORPORATION 1 3.25% $2,810
    NFM, INC. 1 2.88% $6,394
    North American Savings Bank, F.S.B. 1 3.00% $2,371
    NORTHERN MORTGAGE SERVICES, LLC 1 3.25% $4,257

    Wilmington, OH's 102 lenders originated 1,681 loans during 2021. The total origination value was $268,975,000, with an average loan value of $160,009.

    The top Wilmington lender as defined by loan originations is LOANDEPOT.COM, LLC, with 50 loans originated. Their average total fees are $4,115, which is $2,080 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 ($725), The Merchants National Bank ($1,503), 1st National Bank ($1,940), WRIGHT-PATT CREDIT UNION, INC. ($2,035) and First State Bank ($2,052).

    The lowest rate Wilmington lenders (with over 10 loans originated) are Union Savings Bank (2.99%), EQUITY RESOURCES, INC. (3.05%), The Huntington National Bank (3.15%), CALIBER HOME LOANS, INC. (3.20%) and Fifth Third Bank (3.20%).

    Wilmington, OH Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
    LOANDEPOT.COM, LLC $20,495,000 $26,985,000 31.7% 10.0%
    WRIGHT-PATT CREDIT UNION, INC. $14,895,000 $21,040,000 41.3% 7.8%
    Fifth Third Bank $12,315,000 $16,555,000 34.4% 6.2%
    QUICKEN LOANS, LLC $12,990,000 $16,390,000 26.2% 6.1%
    The Merchants National Bank $15,655,000 $13,125,000 -16.2% 4.9%
    1st National Bank $9,005,000 $10,815,000 20.1% 4.0%
    Union Savings Bank $10,790,000 $8,945,000 -17.1% 3.3%
    FREEDOM MORTGAGE CORPORATION $6,030,000 $7,005,000 16.2% 2.6%
    KeyBank $55,000 $6,125,000 11,036.4% 2.3%
    Peoples Bank $6,490,000 $5,680,000 -12.5% 2.1%
    CALIBER HOME LOANS, INC. $2,990,000 $4,955,000 65.7% 1.8%
    Mortgage Research Center, LLC $3,470,000 $4,640,000 33.7% 1.7%
    The Huntington National Bank $3,485,000 $4,470,000 28.3% 1.7%
    WALKER & DUNLOP, LLC $4,205,000 n/a 1.6%
    UNION HOME MORTGAGE CORP. $3,190,000 $3,935,000 23.4% 1.5%
    EQUITY RESOURCES, INC. $4,370,000 $3,670,000 -16.0% 1.4%
    DAS Acquisition Company, LLC $3,855,000 $3,540,000 -8.2% 1.3%
    First Commonwealth Bank $805,000 $3,380,000 319.9% 1.3%
    UNITED WHOLESALE MORTGAGE, LLC $1,480,000 $3,295,000 122.6% 1.2%
    LCNB National Bank $3,315,000 $3,210,000 -3.2% 1.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,465,000 $2,980,000 20.9% 1.1%
    Wells Fargo Bank $830,000 $2,955,000 256.0% 1.1%
    First State Bank $2,630,000 $2,950,000 12.2% 1.1%
    U.S. Bank $3,650,000 $2,700,000 -26.0% 1.0%
    Mr. Cooper ( Nationstar Mortgage ) $2,265,000 $2,695,000 19.0% 1.0%
    PENNYMAC LOAN SERVICES, LLC $750,000 $2,485,000 231.3% 0.9%
    RUOFF MORTGAGE COMPANY, INC. $2,730,000 $2,475,000 -9.3% 0.9%
    First Financial Bank $1,460,000 $2,450,000 67.8% 0.9%
    Valley Central Bank $3,115,000 $2,305,000 -26.0% 0.9%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $2,165,000 $2,155,000 -0.5% 0.8%
    PNC Bank $4,645,000 $2,050,000 -55.9% 0.8%
    Carrington Mortgage Services, LLC $1,415,000 $1,950,000 37.8% 0.7%
    Guardian Savings Bank, A Federal Savings Bank $740,000 $1,945,000 162.8% 0.7%
    Southern Hills Community Bank $55,000 $1,830,000 3,227.3% 0.7%
    JPMorgan Chase Bank $525,000 $1,825,000 247.6% 0.7%
    Farm Credit Mid-America, ACA $3,105,000 $1,635,000 -47.3% 0.6%
    AMERISAVE MORTGAGE CORPORATION $855,000 $1,590,000 86.0% 0.6%
    First Guaranty Mortgage Corporation $610,000 $1,545,000 153.3% 0.6%
    NEWREZ LLC $865,000 $1,515,000 75.1% 0.6%
    Gateway First Bank $1,070,000 $1,455,000 36.0% 0.5%
    The Old Fort Banking Company $2,510,000 $1,410,000 -43.8% 0.5%
    Citizens Bank $405,000 $1,395,000 244.4% 0.5%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $645,000 $1,170,000 81.4% 0.4%
    CROSSCOUNTRY MORTGAGE, LLC $1,650,000 $1,135,000 -31.2% 0.4%
    MOVEMENT MORTGAGE, LLC $1,130,000 n/a 0.4%
    GUARANTEED RATE, INC. $990,000 $1,085,000 9.6% 0.4%
    HOME POINT FINANCIAL CORPORATION $870,000 $1,050,000 20.7% 0.4%
    RAPID MORTGAGE COMPANY $685,000 $1,045,000 52.6% 0.4%
    SIBCY CLINE MORTGAGE SERVICES, INC. $1,515,000 $1,010,000 -33.3% 0.4%
    TCF National Bank $2,715,000 $1,010,000 -62.8% 0.4%
    AMERICAN MORTGAGE SERVICE COMPANY $960,000 $995,000 3.6% 0.4%
    CHURCHILL MORTGAGE CORPORATION $505,000 $970,000 92.1% 0.4%
    First Federal Savings and Loan Association of Lakewood $660,000 $950,000 43.9% 0.4%
    VILLAGE CAPITAL & INVESTMENT LLC $690,000 $935,000 35.5% 0.3%
    1ST SIGNATURE LENDING, LLC $905,000 n/a 0.3%
    LAKEVIEW LOAN SERVICING, LLC $1,060,000 $880,000 -17.0% 0.3%
    BAYSHORE MORTGAGE FUNDING, LLC $550,000 $860,000 56.4% 0.3%
    T2 FINANCIAL LLC $640,000 $855,000 33.6% 0.3%
    The Park National Bank $530,000 $840,000 58.5% 0.3%
    Liberty Savings Bank, F.S.B. $935,000 $780,000 -16.6% 0.3%
    VAN DYK MORTGAGE CORPORATION $900,000 $770,000 -14.4% 0.3%
    HOMESIDE FINANCIAL, LLC $335,000 $735,000 119.4% 0.3%
    NEW DAY FINANCIAL, LLC $695,000 $720,000 3.6% 0.3%
    PLANET HOME LENDING, LLC $175,000 $705,000 302.9% 0.3%
    Barrington Bank & Trust Company, N.A. $590,000 $690,000 16.9% 0.3%
    BETTER MORTGAGE CORPORATION $515,000 $675,000 31.1% 0.3%
    Peoples First Savings Bank $630,000 $670,000 6.3% 0.2%
    NATIONS RELIABLE LENDING, LLC $945,000 $660,000 -30.2% 0.2%
    CELEBRITY HOME LOANS, LLC $655,000 n/a 0.2%
    RELIANCE FIRST CAPITAL, LLC $630,000 n/a 0.2%
    BROKER SOLUTIONS, INC. $310,000 $625,000 101.6% 0.2%
    STOCKTON MORTGAGE CORPORATION $1,285,000 $620,000 -51.8% 0.2%
    AMERICAN FINANCING CORPORATION $155,000 $580,000 274.2% 0.2%
    BNC National Bank $670,000 $580,000 -13.4% 0.2%
    POLARIS HOME FUNDING CORP. $980,000 $580,000 -40.8% 0.2%
    SUN WEST MORTGAGE COMPANY, INC. $560,000 n/a 0.2%
    LENDUS, LLC $735,000 $520,000 -29.3% 0.2%
    THRIVE MORTGAGE, LLC $550,000 $520,000 -5.5% 0.2%
    Cincinnati Federal $115,000 $500,000 334.8% 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $550,000 $495,000 -10.0% 0.2%
    SUMMIT FUNDING, INC. $145,000 $495,000 241.4% 0.2%
    PROVIDENT FUNDING ASSOCIATES, L.P. $280,000 $490,000 75.0% 0.2%
    USAA Federal Savings Bank $1,880,000 $475,000 -74.7% 0.2%
    NAVY FEDERAL CREDIT UNION $470,000 n/a 0.2%
    INTERCAP LENDING INC. $465,000 n/a 0.2%
    AMERIFIRST FINANCIAL CORPORATION $445,000 $445,000 0.0% 0.2%
    Equity Prime Mortgage LLC $300,000 $445,000 48.3% 0.2%
    MID AMERICA MORTGAGE, INC. $535,000 $445,000 -16.8% 0.2%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $870,000 $440,000 -49.4% 0.2%
    DIRECT MORTGAGE LOANS, LLC $425,000 n/a 0.2%
    LIBERTY HOME MORTGAGE CORPORATION $420,000 $410,000 -2.4% 0.2%
    Wyndham Capital Mortgage, Inc. $235,000 $410,000 74.5% 0.2%
    GENERAL ELECTRIC CREDIT UNION $600,000 $405,000 -32.5% 0.2%
    First Federal Bank of the Midwest $430,000 $400,000 -7.0% 0.1%
    GUARANTY HOME MORTGAGE CORPORATION $390,000 n/a 0.1%
    Strong Home Mortgage, LLC $365,000 n/a 0.1%
    NFM, INC. $275,000 $360,000 30.9% 0.1%
    PHH Mortgage Corporation $360,000 n/a 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $350,000 n/a 0.1%
    Superior Credit Union, Inc. $470,000 $335,000 -28.7% 0.1%
    CenterBank $95,000 $330,000 247.4% 0.1%
    FIRST OHIO HOME FINANCE, INC. $105,000 $320,000 204.8% 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $80,000 $320,000 300.0% 0.1%
    RiverHills Bank $490,000 $310,000 -36.7% 0.1%
    Civista Bank $255,000 $305,000 19.6% 0.1%
    SOUTHWEST STAGE FUNDING, LLC $300,000 n/a 0.1%
    First Federal Bank $295,000 $295,000 0.0% 0.1%
    Nations Lending Corporation $85,000 $290,000 241.2% 0.1%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $660,000 $285,000 -56.8% 0.1%
    Bank of England $660,000 $285,000 -56.8% 0.1%
    The Central Trust Bank $265,000 n/a 0.1%
    EMERY FEDERAL CREDIT UNION $280,000 $260,000 -7.1% 0.1%
    FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $260,000 n/a 0.1%
    AMERICAN PACIFIC MORTGAGE CORPORATION $1,185,000 $255,000 -78.5% 0.1%
    InterContinental Capital Group, Inc $225,000 $255,000 13.3% 0.1%
    The Farmers & Merchants State Bank $255,000 n/a 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $250,000 $250,000 0.0% 0.1%
    Prosperity Home Mortgage, LLC $980,000 $235,000 -76.0% 0.1%
    Ally Bank $225,000 n/a 0.1%
    Northwest Bank $225,000 n/a 0.1%
    TELHIO $225,000 n/a 0.1%
    THE VINTON COUNTY NATIONAL BANK $225,000 n/a 0.1%
    OPTION FINANCIAL, LLC $490,000 $220,000 -55.1% 0.1%
    Sharefax Credit Union $155,000 $220,000 41.9% 0.1%
    Manufacturers and Traders Trust Company $215,000 n/a 0.1%
    NORTHERN MORTGAGE SERVICES, LLC $210,000 n/a 0.1%
    UNIVERSAL 1 CREDIT UNION $60,000 $210,000 250.0% 0.1%
    The Farmers State Bank $455,000 $205,000 -54.9% 0.1%
    UNITED MORTGAGE CORP. $145,000 $200,000 37.9% 0.1%
    First Savings Bank $195,000 n/a 0.1%
    WesBanco Bank, Inc. $565,000 $195,000 -65.5% 0.1%
    Western Ohio Mortgage Corporation $1,270,000 $195,000 -84.6% 0.1%
    MORTGAGE 1 INCORPORATED $115,000 $185,000 60.9% 0.1%
    North American Savings Bank, F.S.B. $185,000 n/a 0.1%
    Figure Lending LLC $30,000 $180,000 500.0% 0.1%
    WINGS FINANCIAL $175,000 n/a 0.1%
    Northpointe Bank $195,000 $165,000 -15.4% 0.1%
    ACADEMY MORTGAGE CORPORATION $155,000 n/a 0.1%
    Arvest Bank $155,000 n/a 0.1%
    FINANCE OF AMERICA MORTGAGE LLC $155,000 n/a 0.1%
    Flagstar Bank, FSB $155,000 n/a 0.1%
    MYCUMORTGAGE, LLC $325,000 $155,000 -52.3% 0.1%
    The Union Bank Company $165,000 $155,000 -6.1% 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $205,000 $145,000 -29.3% 0.1%
    Stifel Bank and Trust $75,000 $145,000 93.3% 0.1%
    ARC HOME LLC $135,000 n/a 0.1%
    Ameris Bank $125,000 n/a 0.0%
    NATIONAL COOPERATIVE BANK, N.A. $520,000 $125,000 -76.0% 0.0%
    Paramount Residential Mortgage Group, Inc. $780,000 $125,000 -84.0% 0.0%
    PENTAGON FEDERAL CREDIT UNION $125,000 n/a 0.0%
    LENDINGHOME FUNDING CORPORATION $115,000 n/a 0.0%
    SOFI LENDING CORP. $165,000 $115,000 -30.3% 0.0%
    21ST MORTGAGE CORPORATION $80,000 $105,000 31.3% 0.0%
    CINFED Federal Credit Union $225,000 $105,000 -53.3% 0.0%
    GUILD MORTGAGE COMPANY $105,000 n/a 0.0%
    OCEANSIDE MORTGAGE COMPANY $105,000 n/a 0.0%
    The Cincinnatus Savings & Loan Co. $105,000 n/a 0.0%
    AURGROUP FINANCIAL CREDIT UNION, INC. $65,000 $95,000 46.2% 0.0%
    PRIORITY MORTGAGE CORP. $540,000 $95,000 -82.4% 0.0%
    Pathways Financial Credit Union, Inc. $85,000 n/a 0.0%
    ROYAL UNITED MORTGAGE LLC $75,000 $85,000 13.3% 0.0%
    First Bank Richmond $75,000 n/a 0.0%
    ALLIANT CREDIT UNION $65,000 n/a 0.0%
    RIVER VALLEY CREDIT UNION, INC. $255,000 $65,000 -74.5% 0.0%
    TRIAD FINANCIAL SERVICES, INC. $125,000 $65,000 -48.0% 0.0%
    KH NETWORK CREDIT UNION $35,000 n/a 0.0%
    SPRING EQ, LLC $25,000 $35,000 40.0% 0.0%

    Wilmington's top lender by overall market share is LOANDEPOT.COM, LLC, with 10.0% market share. In second place, with 7.8%, is WRIGHT-PATT CREDIT UNION, INC., having originated $21,040,000 in loans. In third place, with 6.2%, is Fifth Third Bank, having originated $16,555,000 in loans. In third place, with 6.1%, is QUICKEN LOANS, LLC, having originated $16,390,000 in loans. In third place, with 4.9%, is The Merchants National Bank, having originated $13,125,000 in loans.

    Wilmington, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 617 $118,505,000 $192,066
    Refi 533 $83,665,000 $156,970
    Cash Out Refi 336 $53,950,000 $160,565
    Home Improvement 100 $5,950,000 $59,500
    Other 95 $6,905,000 $72,684

    Wilmington's most frequently cited loan purpose was Home Purchase, with 617 originations. The 2nd most popular reason was Refi, with 533 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 688 $107,410,000 $156,119
    2.5-3% 580 $104,530,000 $180,224
    <2.5% 218 $36,200,000 $166,055
    4-5% 123 $12,925,000 $105,081
    5-6% 16 $1,170,000 $73,125
    6-7% 12 $590,000 $49,167
    7-8% 3 $165,000 $55,000
    Over 8% 3 $185,000 $61,667

    During 2021, Wilmington's most frequently originated rate bucket was 3-4%, with 688 originations.

    Loan Sizing (Wilmington, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 826 $117,920,000 $142,760
    $100,000 or less 463 $29,835,000 $64,438
    $200k-400k 356 $93,670,000 $263,118
    $400k-600k 28 $13,090,000 $467,500
    $600k-1000k 6 $4,420,000 $736,667
    $Over $1MM 2 $10,040,000 $5,020,000

    Wilmington's loan sizing saw the bucket of loans from $100k-200k with 826 originations, totaling $117,920,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 592 $107,940,000 $182,331
    60-80% 455 $85,415,000 $187,725
    40-60% 235 $34,595,000 $147,213
    20-40% 166 $13,320,000 $80,241
    Under 20% 98 $3,520,000 $35,918
    Over 100% 32 $7,360,000 $230,000

    Wilmington's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 592 originations, totaling $107,940,000 in origination value.

    Market Conditions (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 $149,500 (15.9%) $209,075 (-11.9%) 0.00 140
    2018-02-01 $149,500 (0.8%) $213,790 (-18.0%) 0.00 142
    2018-03-01 $129,900 (-12.4%) $217,680 (-9.6%) 0.00 130
    2018-04-01 $159,900 (4.0%) $226,233 (-6.7%) 0.00 127
    2018-05-01 $160,000 (-3.0%) $230,855 (-5.7%) 0.00 125
    2018-06-01 $170,000 (8.1%) $275,686 (14.4%) 0.00 151
    2018-07-01 $164,450 (8.2%) $281,957 (21.8%) 0.00 168
    2018-08-01 $162,500 (5.0%) $278,811 (23.9%) 0.00 172
    2018-09-01 $164,000 (5.9%) $267,980 (24.1%) 0.00 198
    2018-10-01 $165,000 (10.0%) $271,582 (27.9%) 0.00 194
    2018-11-01 $159,250 (6.2%) $251,323 (18.7%) 0.00 180
    2018-12-01 $159,900 (9.6%) $283,466 (32.7%) 0.00 156
    2019-01-01 $172,400 (15.3%) $304,040 (45.4%) 0.00 131
    2019-02-01 $154,700 (3.5%) $302,095 (41.3%) 0.00 121
    2019-03-01 $154,900 (19.3%) $310,802 (42.8%) 0.00 108
    2019-04-01 $169,900 (6.3%) $308,833 (36.5%) 0.00 112
    2019-05-01 $182,400 (14.0%) $313,724 (35.9%) 0.00 122
    2019-06-01 $184,900 (8.8%) $261,955 (-5.0%) 0.00 131
    2019-07-01 $199,950 (21.6%) $268,174 (-4.9%) 0.00 135
    2019-08-01 $197,800 (21.7%) $259,910 (-6.8%) 0.00 141
    2019-09-01 $187,450 (14.3%) $252,004 (-6.0%) 0.00 144
    2019-10-01 $199,000 (20.6%) $265,844 (-2.1%) 0.00 156
    2019-11-01 $188,900 (18.6%) $241,709 (-3.8%) 0.00 142
    2019-12-01 $159,700 (-0.1%) $236,503 (-16.6%) 0.00 127
    2020-01-01 $164,900 (-4.4%) $242,265 (-20.3%) 0.00 111
    2020-02-01 $156,500 (1.2%) $239,161 (-20.8%) 0.00 94
    2020-03-01 $197,400 (27.4%) $275,632 (-11.3%) 0.00 99
    2020-04-01 $232,250 (36.7%) $297,586 (-3.6%) 0.00 102
    2020-05-01 $234,900 (28.8%) $326,995 (4.2%) 0.00 82
    2020-06-01 $244,700 (32.3%) $366,251 (39.8%) 0.00 69
    2020-07-01 $269,700 (34.9%) $379,628 (41.6%) 0.00 53
    2020-08-01 $259,000 (30.9%) $337,766 (30.0%) 0.00 60
    2020-09-01 $195,950 (4.5%) $319,403 (26.8%) 0.00 55
    2020-10-01 $204,900 (3.0%) $320,020 (20.4%) 0.00 54
    2020-11-01 $217,250 (15.0%) $358,937 (48.5%) 0.00 47
    2020-12-01 $199,900 (25.2%) $333,363 (41.0%) 0.00 50
    2021-01-01 $219,900 (33.4%) $379,851 (56.8%) 0.00 36
    2021-02-01 $259,500 (65.8%) $445,618 (86.3%) 0.00 32
    2021-03-01 $148,750 (-24.7%) $379,632 (37.7%) 0.00 37
    2021-04-01 $249,950 (7.6%) $408,516 (37.3%) 0.00 40
    2021-05-01 $210,000 (-10.6%) $257,170 (-21.4%) 0.00 36
    2021-06-01 $235,000 (-4.0%) $302,625 (-17.4%) 0.00 34
    2021-07-01 $187,200 (-30.6%) $249,648 (-34.2%) 0.00 56
    2021-08-01 $205,000 (-20.9%) $233,388 (-30.9%) 0.00 64
    2021-09-01 $202,500 (3.3%) $238,091 (-25.5%) 0.00 77
    2021-10-01 $205,000 (0.1%) $241,000 (-24.7%) 0.00 82
    2021-11-01 $244,700 (12.6%) $254,205 (-29.2%) 0.00 70
    2021-12-01 $289,900 (45.0%) $271,893 (-18.4%) 0.00 56
    2022-01-01 $289,900 (31.8%) $281,594 (-25.9%) 0.00 43
    2022-02-01 $259,925 (0.2%) $301,575 (-32.3%) 0.00 40
    2022-03-01 $254,900 (71.4%) $306,007 (-19.4%) 0.00 45
    2022-04-01 $245,000 (-2.0%) $321,011 (-21.4%) 0.00 49
    2022-05-01 $260,000 (23.8%) $358,108 (39.3%) 0.00 54
    Wilmington's median listing price for 2022-05-01 was $260,000, a difference of $50,000 (23.8%) versus the prior year and $15,000 versus the prior month.

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

    Wilmington's average listing price for 2022-05-01 was $358,108, a difference of $100,938 (39.3%) versus the prior year and $37,097 versus the prior month.

    For the 2022-05-01 period, Wilmington had 54 MLS listings, a difference of 5 listings (10%) versus the prior month and 18 listings (50%) 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 1,849 sqft
    2018-02-01 0 days 1,792 sqft
    2018-03-01 0 days 1,867 sqft
    2018-04-01 0 days 1,919 sqft
    2018-05-01 0 days 1,852 sqft
    2018-06-01 0 days 1,838 sqft
    2018-07-01 0 days 1,762 sqft
    2018-08-01 0 days 1,765 sqft
    2018-09-01 0 days 1,768 sqft
    2018-10-01 0 days 1,756 sqft
    2018-11-01 0 days 1,759 sqft
    2018-12-01 0 days 1,800 sqft
    2019-01-01 0 days 1,814 sqft
    2019-02-01 0 days 1,738 sqft
    2019-03-01 0 days 1,657 sqft
    2019-04-01 0 days 1,704 sqft
    2019-05-01 0 days 1,799 sqft
    2019-06-01 0 days 1,855 sqft
    2019-07-01 0 days 2,009 sqft
    2019-08-01 0 days 1,919 sqft
    2019-09-01 0 days 1,768 sqft
    2019-10-01 0 days 1,719 sqft
    2019-11-01 0 days 1,690 sqft
    2019-12-01 0 days 1,709 sqft
    2020-01-01 0 days 1,708 sqft
    2020-02-01 0 days 1,539 sqft
    2020-03-01 0 days 1,768 sqft
    2020-04-01 0 days 1,862 sqft
    2020-05-01 0 days 1,905 sqft
    2020-06-01 0 days 1,905 sqft
    2020-07-01 0 days 2,214 sqft
    2020-08-01 0 days 2,104 sqft
    2020-09-01 0 days 1,664 sqft
    2020-10-01 0 days 1,516 sqft
    2020-11-01 0 days 1,473 sqft
    2020-12-01 0 days 1,458 sqft
    2021-01-01 0 days 1,492 sqft
    2021-02-01 0 days 1,736 sqft
    2021-03-01 0 days 1,459 sqft
    2021-04-01 0 days 1,458 sqft
    2021-05-01 0 days 1,512 sqft
    2021-06-01 0 days 1,916 sqft
    2021-07-01 0 days 1,691 sqft
    2021-08-01 0 days 1,622 sqft
    2021-09-01 0 days 1,656 sqft
    2021-10-01 0 days 1,734 sqft
    2021-11-01 0 days 1,904 sqft
    2021-12-01 0 days 2,020 sqft
    2022-01-01 0 days 1,948 sqft
    2022-02-01 0 days 1,907 sqft
    2022-03-01 0 days 1,330 sqft
    2022-04-01 0 days 1,596 sqft
    2022-05-01 0 days 1,772 sqft
    Wilmington's median listing age (time on market) for 2022-05-01 was 0 days.

    Wilmington's median square footage for active listings during the 2022-05-01 period was 1,772 sqft. One year prior, the average listing was 1,512 sqft.