Ohio Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Ohio averaged 6.25% for the week of 2023-05-25, compared to the national average of 6.57% for the same period.

The average rate for the prior week (2023-05-18) was 6.37% and one month ago for the week of 2023-04-20, the average rate was 6.07%.

Ohio's average rate one year ago was 5.03%.

For refis of the same type during the week of 2023-05-25, the average rate was 5.63%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-05-25 6.57%
Ohio 30 Year Fixed Rate 2023-05-25 6.25%
Ohio 30 Year Fixed Rate Refi 2023-05-25 5.63%
Ohio 15 Year Fixed Rate 2023-05-25 5.95%
Ohio 15 Year Fixed Rate Refi 2023-05-25 5.17%
Ohio 30 Year FHA 2023-05-25 6.39%
Ohio 30 Year FHA Refi 2023-05-25 5.24%
Ohio 30 Year USDA 2023-05-25 6.52%
Ohio 30 Year USDA Refi 2023-05-25 6.73%
Ohio 30 Year VA 2023-05-25 6.3%
Ohio 30 Year VA Refi 2023-05-25 4.21%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Ohio.

Ohio 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 Ohio 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
The Huntington National Bank 7,489 4.74% $4,320
QUICKEN LOANS, LLC 6,875 5.10% $6,289
Third Federal Savings and Loan Association of Cleveland 5,299 3.96% $2,776
CROSSCOUNTRY MORTGAGE, LLC 4,256 5.48% $6,206
Union Savings Bank 4,048 4.03% $1,504
JPMorgan Chase Bank 3,475 4.82% $3,626
Fifth Third Bank 3,410 4.91% $3,970
UNION HOME MORTGAGE CORP. 3,267 5.31% $5,170
UNITED WHOLESALE MORTGAGE, LLC 2,841 5.35% $5,657
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2,368 5.35% $4,606
LOANDEPOT.COM, LLC 1,785 4.89% $5,198
GUARANTEED RATE, INC. 1,739 5.08% $5,027
U.S. Bank 1,735 4.95% $3,538
PRIMELENDING, A PLAINSCAPITAL COMPANY 1,629 5.18% $4,904
RUOFF MORTGAGE COMPANY, INC. 1,602 5.36% $3,970
PNC Bank 1,505 4.79% $4,157
First Federal Savings and Loan Association of Lakewood 1,498 4.59% $4,536
First Federal Bank of the Midwest 1,467 4.92% $3,737
NFM, INC. 1,456 5.43% $6,801
WRIGHT-PATT CREDIT UNION, INC. 1,446 4.96% $2,739
KeyBank 1,433 4.60% $4,100
NVR Mortgage Finance, Inc. 1,351 4.43% $7,794
HOWARD HANNA FINANCIAL SERVICES, INC. 1,332 5.13% $4,557
The Park National Bank 1,299 5.04% $3,447
CALIBER HOME LOANS, INC. 1,270 5.00% $4,498
Citizens Bank 1,118 4.73% $4,737
T2 FINANCIAL LLC 1,041 5.30% $5,853
First Financial Bank 1,021 5.01% $4,442
Wells Fargo Bank 990 4.83% $4,191
Mr. Cooper ( Nationstar Mortgage ) 914 4.87% $6,619
EQUITY RESOURCES, INC. 815 5.24% $3,654
HOMESIDE FINANCIAL, LLC 806 4.96% $5,254
Superior Credit Union, Inc. 707 4.76% $3,225
Civista Bank 677 4.90% $3,642
The State Bank and Trust Company 661 4.74% $4,453
VICTORY MORTGAGE, L.L.C. 643 4.55% $3,433
Guardian Savings Bank, A Federal Savings Bank 639 3.96% $1,100
PULTE MORTGAGE LLC 622 4.58% $3,075
DAS Acquisition Company, LLC 616 5.56% $6,086
RAPID MORTGAGE COMPANY 602 5.49% $6,427
Nations Lending Corporation 557 5.50% $6,199
GUARANTEED RATE AFFINITY, LLC 553 5.14% $4,678
AMERISAVE MORTGAGE CORPORATION 552 4.62% $6,694
M/I FINANCIAL, LLC 537 4.40% $6,811
AMERIFIRST FINANCIAL CORPORATION 524 5.51% $5,615
FREEDOM MORTGAGE CORPORATION 521 4.85% $5,377
The Farmers National Bank of Canfield 512 4.85% $4,166
WesBanco Bank, Inc. 505 4.38% $5,380
GENERAL ELECTRIC CREDIT UNION 505 3.92% $3,212
Farm Credit Mid-America, ACA 493 5.37% $6,880
Flagstar Bank, FSB 481 5.17% $4,674
THE EQUITABLE MORTGAGE CORPORATION 479 5.01% $3,849
THRIVE MORTGAGE, LLC 473 5.42% $4,265
Bank of America 469 4.03% $4,628
HOME POINT FINANCIAL CORPORATION 459 4.73% $5,850
Seven Seventeen Credit Union 455 4.84% $3,569
PENNYMAC LOAN SERVICES, LLC 454 4.80% $6,091
GSF Mortgage Corporation 453 5.33% $5,100
AMERICAN MORTGAGE SERVICE COMPANY 448 5.12% $4,633
LIBERTY HOME MORTGAGE CORPORATION 439 5.52% $5,959
Cincinnati Federal 435 4.58% $3,111
FIRST OHIO HOME FINANCE, INC. 421 6.11% $3,423
First Commonwealth Bank 419 4.73% $3,511
EUSTIS AND AMERICAN MORTGAGE COMPANY 416 5.18% $4,280
KEMBA CREDIT UNION, INC. 403 3.84% $2,948
Waterstone Mortgage Corporation 391 5.56% $5,621
PRIMARY RESIDENTIAL MORTGAGE, INC. 391 5.35% $6,178
DHI MORTGAGE COMPANY, LTD. 390 3.98% $3,324
The Union Bank Company 386 5.09% $3,576
1st National Bank 380 4.62% $2,801
TELHIO 361 4.62% $6,801
First National Bank of Pennsylvania 357 4.54% $4,492
Peoples Bank 356 5.36% $2,821
NAVY FEDERAL CREDIT UNION 356 5.27% $4,055
BROKER SOLUTIONS, INC. 352 5.20% $6,282
NEWREZ LLC 339 4.98% $4,801
Heartland Bank 331 4.59% $4,418
MOVEMENT MORTGAGE, LLC 326 5.20% $4,992
Paramount Residential Mortgage Group, Inc. 326 5.20% $5,815
BETTER MORTGAGE CORPORATION 318 4.12% $4,449
POLARIS HOME FUNDING CORP. 305 5.42% $5,856
GUILD MORTGAGE COMPANY 301 5.22% $5,761
NATIONS RELIABLE LENDING, LLC 297 5.25% $6,742
MID AMERICA MORTGAGE, INC. 295 5.18% $4,326
AMERICAN PACIFIC MORTGAGE CORPORATION 290 5.47% $5,661
UNION CAPITAL MORTGAGE CORPORATION 289 5.10% $6,070
Bank of England 284 5.35% $5,823
Mechanics Bank 279 4.38% $2,399
Dollar Bank, Federal Savings Bank 273 4.55% $5,467
ROYAL UNITED MORTGAGE LLC 271 5.46% $6,997
RELIANCE FIRST CAPITAL, LLC 269 5.36% $6,935
YOUR HOME FINANCIAL LLC 239 5.64% $5,453
KELLER MORTGAGE, LLC 233 5.06% $4,377
Cf Bank 231 4.85% $2,386
Hometown Lenders, Inc. 230 5.46% $6,663
American Midwest Mortgage Corporation 228 5.50% $5,449
NATIONWIDE MORTGAGE BANKERS, INC. 225 5.71% $5,796
The Old Fort Banking Company 221 5.14% $2,735
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 221 5.43% $4,952
Ally Bank 218 4.59% $3,910
THE VINTON COUNTY NATIONAL BANK 217 4.93% $3,188
KEMBA FINANCIAL 216 4.58% $2,865
VAN DYK MORTGAGE CORPORATION 213 5.34% $4,637
First Merchants Bank 211 4.03% $3,701
FIRST COMMUNITY MORTGAGE, INC. 203 5.80% $5,547
CARDINAL FINANCIAL 201 4.72% $6,191
FIRST EQUITY MORTGAGE INCORPORATED 196 4.48% $6,013
ARK-LA-TEX FINANCIAL SERVICES, LLC. 195 5.39% $4,127
The Farmers & Merchants State Bank 195 5.24% $3,108
The Citizens National Bank of Bluffton 186 5.32% $2,963
Carrington Mortgage Services, LLC 186 4.98% $6,156
MUTUAL OF OMAHA MORTGAGE, INC. 181 5.58% $5,590
DRAPER AND KRAMER MORTGAGE CORP. 180 5.23% $4,985
The Merchants National Bank 179 5.17% $1,894
RiverHills Bank 177 4.89% $3,193
AMERICAN FINANCING CORPORATION 176 4.54% $5,509
LAKEVIEW LOAN SERVICING, LLC 174 4.80% $4,353
The Community Bank 173 4.58% $2,771
EVERETT FINANCIAL, INC. 172 5.30% $2,567
STOCKTON MORTGAGE CORPORATION 167 5.08% $5,131
Warsaw Federal Savings and Loan Association 167 4.90% $4,170
BAYSHORE MORTGAGE FUNDING, LLC 166 5.36% $5,473
The Middlefield Banking Company 164 4.59% $4,104
First Federal Savings and Loan Association 160 4.69% $2,653
Eagle Savings Bank 160 4.93% $2,562
Directions Credit Union, Inc. 159 5.75% $2,580
PRIORITY MORTGAGE CORP. 157 4.34% $4,086
The Croghan Colonial Bank 157 5.05% $3,891
Northwest Bank 155 4.75% $5,481
The Genoa Banking Company 154 4.83% $3,861
First Federal Savings and Loan Association of Lorain 150 4.27% $4,272
HANCOCK COUNTY SAVINGS BANK, FSB, INC. 144 4.20% $1,985
CHURCHILL MORTGAGE CORPORATION 144 5.36% $4,671
OPTION FINANCIAL, LLC 142 5.12% $3,859
J. VIRGIL, INC. 141 5.62% $5,077
WEST PENN FINANCIAL SERVICE CENTER, INC. 140 5.57% $4,470
Mercantile Bank of Michigan 140 4.73% $4,598
Mortgage Research Center, LLC 138 5.44% $4,405
SIBCY CLINE MORTGAGE SERVICES, INC. 137 5.26% $4,404
HONDA Federal Credit Union 137 4.59% $4,088
The Commercial and Savings Bank of Millersburg Ohio 136 5.06% $3,205
MYCUMORTGAGE, LLC 127 5.12% $4,016
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 124 5.39% $6,356
The Ohio Valley Bank Company 124 5.50% $3,835
ENVOY MORTGAGE, LTD 122 5.25% $4,092
PROVIDENT FUNDING ASSOCIATES, L.P. 121 4.75% $4,392
FIRST CENTENNIAL MORTGAGE CORPORATION 121 5.52% $5,355
First State Bank 117 5.15% $2,231
Discover Bank 114 5.61% $0
Westfield Bank, FSB 110 4.47% $4,171
Merchants Bank of Indiana 108 5.05% $3,569
BMI Federal Credit Union 107 4.43% $3,193
Prosperity Home Mortgage, LLC 107 5.25% $4,901
Gateway First Bank 103 5.37% $4,229
SUN Federal Credit Union 103 4.50% $2,975
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 103 5.28% $4,707
CINFED Federal Credit Union 103 4.34% $1,678
NORTHERN MORTGAGE SERVICES, LLC 99 5.26% $3,883
Princeton Mortgage Corporation 99 4.63% $6,648
Northpointe Bank 99 5.06% $6,271
MICHIGAN MUTUAL, INC. 99 5.20% $5,358
GUARANTY HOME MORTGAGE CORPORATION 98 4.66% $4,569
Ixonia Bank 97 5.23% $5,324
Morgan Stanley Private Bank 97 4.09% $4,019
GENEVA FINANCIAL, LLC 96 5.81% $6,379
NBKC BANK 95 4.87% $4,065
UNITED MORTGAGE CORP. 92 5.20% $6,568
Independent Bank 91 4.60% $4,324
HOMESPIRE MORTGAGE CORPORATION 91 5.39% $4,942
USAA Federal Savings Bank 91 5.63% $4,937
ZILLOW HOME LOANS, LLC 90 4.78% $5,328
North American Savings Bank, F.S.B. 90 5.23% $4,022
CME Federal Credit Union 89 4.26% $3,692
UIF CORPORATION 87 5.46% $5,747
DESCO 87 4.91% $2,976
UBS Bank USA 85 3.88% $5,141
Regions Bank 82 5.18% $3,410
M&T Bank 82 4.45% $4,855
LCNB National Bank 81 4.52% $3,661
PARTNERS UNITED FINANCIAL, LLC 81 4.45% $7,692
The Richwood Banking Company 80 4.84% $3,876
Truist 80 4.61% $4,721
AmeriHome Mortgage Company, LLC 77 5.25% $4,941
Amerifirst Financial, Inc. 73 5.92% $5,722
SIRVA MORTGAGE, INC. 73 5.36% $1,806
Evolve Bank & Trust 73 5.10% $4,667
CARDINAL CREDIT UNION, INC. 71 4.73% $3,739
East Coast Capital Corp. 71 5.25% $6,787
Somerville Bank 70 4.87% $2,955
ANGEL OAK MORTGAGE SOLUTIONS LLC 70 6.43% $9,240
City National Bank of West Virginia 69 4.17% $1,298
TOP FLITE FINANCIAL, INC. 69 5.14% $7,650
Liberty National Bank 63 4.89% $2,943
Stifel Bank and Trust 62 3.79% $2,990
HALLMARK HOME MORTGAGE, LLC 61 5.36% $4,977
The Federal Savings Bank 61 5.20% $6,820
DEVELOPER'S MORTGAGE COMPANY 60 5.33% $4,217
Wyndham Capital Mortgage, Inc. 59 4.67% $3,758
VANDERBILT MORTGAGE AND FINANCE, INC. 58 6.04% $5,705
SUCCESS MORTGAGE PARTNERS, INC. 57 5.31% $5,850
DELMAR FINANCIAL COMPANY 57 5.21% $5,515
First National Bank of America 56 8.73% $7,410
ARC HOME LLC 55 5.77% $6,861
UNITED 55 5.22% $3,647
ENDEAVOR CAPITAL, LLC. 54 5.11% $5,357
LOANPAL, LLC 53 4.36% $6,626
SECURITYNATIONAL MORTGAGE COMPANY 52 5.38% $5,573
PENTAGON FEDERAL CREDIT UNION 52 4.39% $2,874
CMG MORTGAGE, INC. 52 5.36% $6,153
GVC MORTGAGE, INC. 51 5.59% $5,000
Ohio Catholic Federal Credit Union 50 5.16% $4,603
CNB Bank 49 4.16% $3,687
Greenville Federal 48 5.03% $1,965
SUPERIOR FINANCIAL SOLUTIONS, LLC 47 4.98% $3,603
RESIDENTIAL BANCORP. 46 4.81% $5,506
FINANCE OF AMERICA MORTGAGE LLC 46 5.27% $5,395
PHH Mortgage Corporation 45 4.71% $6,177
Plains Commerce Bank 44 5.43% $3,797
ABSOLUTE HOME MORTGAGE CORPORATION 44 4.97% $5,446
GUIDANCE RESIDENTIAL, LLC 43 5.52% $5,727
Charles Schwab Bank, SSB 42 3.83% $4,808
First Bank Richmond 42 4.71% $3,897
Chicago Mortgage Solutions LLC 42 3.80% $4,072
Kingston National Bank 42 5.35% $2,483
AmRes Corporation 42 6.02% $7,346
Republic Bank & Trust Company 42 4.78% $4,490
First Guaranty Mortgage Corporation 41 4.38% $5,131
NTFN, INC. 41 5.68% $5,984
Stock Yards Bank & Trust Company 40 4.30% $3,132
Community Star Credit Union 39 5.17% $3,371
Republic State Mortgage Co. 38 5.63% $3,447
BAYER HERITAGE 38 4.86% $4,056
Citibank 37 4.39% $5,827
CANTON SCHOOL EMPLOYEES 37 5.30% $3,196
PREMIA MORTGAGE, LLC 37 5.13% $1,387
HOMEBRIDGE FINANCIAL SERVICES, INC. 37 5.71% $6,170
MORTGAGE CENTER L.C 36 4.94% $3,739
Baxter Credit Union 36 4.43% $3,429
The North Side Bank & Trust Company 36 4.50% $1,912
UNIVERSAL 1 CREDIT UNION 36 5.14% $3,469
Sharefax Credit Union 36 4.21% $2,244
Neighborhood Loans, Inc. 35 5.84% $6,584
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 35 4.91% $4,245
LAND HOME FINANCIAL SERVICES, INC. 35 5.22% $5,408
LEADERONE FINANCIAL CORPORATION 35 5.20% $6,482
First National Bank of Bellevue 34 4.83% $4,052
Three Rivers Federal Credit Union 34 4.81% $3,395
Raymond James Bank 33 3.87% $3,885
US MORTGAGE CORPORATION 32 5.69% $5,946
SOFI LENDING CORP. 32 4.10% $4,581
PLANET HOME LENDING, LLC 32 4.65% $5,559
JLB CORPORATION 32 4.84% $5,070
First Federal Savings and Loan Association of Delta 31 5.02% $2,176
MORTGAGE ACCESS CORP. 31 5.11% $6,730
BAY EQUITY LLC 30 5.94% $4,924
ANGEL OAK HOME LOANS LLC 29 6.27% $6,504
LENDSURE MORTGAGE CORP. 29 7.06% $12,424
NATIONS DIRECT MORTGAGE, LLC 29 5.78% $9,925
GLASS CITY Federal Credit Union 28 5.68% $2,507
Forcht Bank 28 4.08% $3,723
MORTGAGE 1 INCORPORATED 27 5.74% $4,988
PLAZA HOME MORTGAGE, INC. 27 5.43% $6,486
CHERRY CREEK MORTGAGE, LLC 26 4.27% $865
First Bank of Berne 25 4.76% $1,923
NEXERA HOLDING LLC 25 7.35% $8,742
First Savings Bank 25 5.49% $6,574
Quontic Bank 25 6.80% $9,512
S&T Bank 25 4.95% $4,558
Associated Bank 25 4.77% $6,210
EMBRACE HOME LOANS, INC. 24 4.94% $5,472
MORIA DEVELOPMENT, INC. 24 5.49% $6,106
NETWORK CAPITAL FUNDING CORPORATION 24 5.01% $5,567
TrueCore Federal Credit Union 22 5.72% $2,592
HOMELAND CREDIT UNION, INC. 22 5.15% $3,099
Arvest Bank 21 4.32% $4,686
Citadel Servicing Corporation 21 7.99% $8,577
Sierra Pacific Mortgage Company, Inc. 21 5.46% $5,175
MMS MORTGAGE SERVICES, LTD. 21 5.21% $4,159
Huntington Federal Savings Bank 21 4.21% $2,195
NP, Inc. 21 5.65% $6,579
Magnolia Bank 21 5.39% $7,094
BNC National Bank 20 4.61% $5,053
Lakeview Community Capital, LLC 20 4.67% $4,578
INTERCOASTAL MORTGAGE COMPANY 19 5.09% $7,568
Firefighters & Company FCU 19 5.64% $2,586
AMCAP MORTGAGE, LTD. 19 5.13% $4,939
First Internet Bank of Indiana 19 5.26% $3,395
IMPAC MORTGAGE CORP. 19 4.97% $4,493
First Option Mortgage, LLC 19 5.68% $5,044
DIGITAL Federal Credit Union 19 3.95% $3,977
OHIO VALLEY COMMUNITY FEDERAL CREDIT UNION 19 5.17% $2,827
Ameris Bank 19 5.28% $5,654
CREDIT UNION MORTGAGE ASSOCIATION, INC. 19 3.49% $4,325
AMERICAN INTERNET MORTGAGE, INC. 18 4.11% $4,273
DIRECT MORTGAGE LOANS, LLC 18 4.60% $5,559
Devon Bank 18 5.89% $5,214
FRANKLIN MINT 18 3.43% $8,040
Colonial Savings, F.A. 17 4.60% $4,310
MEMBER FIRST MORTGAGE, LLC 17 5.12% $3,903
SUN WEST MORTGAGE COMPANY, INC. 17 4.71% $3,641
CREDIT UNION OF OHIO 16 5.10% $3,290
City National Bank 16 4.67% $4,215
DEEPHAVEN MORTGAGE LLC 16 8.10% $13,277
Barrington Bank & Trust Company, N.A. 16 5.85% $4,758
First Federal Bank 16 4.85% $5,515
Grand Bank for Savings, FSB 16 7.55% $4,537
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 15 4.85% $4,653
RIVER VALLEY CREDIT UNION, INC. 15 5.32% $2,452
Florida Capital Bank 15 4.99% $4,223
RBC Bank, (Georgia) 15 5.20% $3,071
EMM LOANS LLC 15 4.87% $7,063
FIRESTONE 15 4.02% $1,952
21ST MORTGAGE CORPORATION 15 7.56% $5,001
Community One Credit Union of Ohio, Inc 15 4.83% $4,354
FIRST CHOICE MH LLC 14 9.00% $2,633
BMO Harris Bank 14 4.66% $6,587
Paramount Bank 14 4.87% $5,280
Axos Bank 14 4.78% $5,982
SOUTHWEST FUNDING, LP 14 5.43% $6,954
First Horizon Bank 14 5.38% $5,077
ALLIANT CREDIT UNION 13 4.30% $4,385
Old National Bank 13 5.08% $3,824
The Central Trust Bank 13 5.07% $3,271
SUMMIT FUNDING, INC. 13 6.22% $5,929
Strong Home Mortgage, LLC 13 4.35% $3,532
ONY GLO, INC. 12 4.86% $5,842
JMAC LENDING, INC. 12 5.08% $7,027
FirstBank 12 4.33% $3,270
MORTGAGE SOLUTIONS OF COLORADO, LLC 12 5.45% $8,491
Sunflower Bank 11 4.98% $6,067
INSPIRE HOME LOANS INC. 11 5.52% $6,395
First Home Bank 11 5.00% $6,921
EDUCATION FIRST CREDIT UNION, INC. 11 5.09% $3,105
S1L, Inc. 11 5.43% $5,261
EVANSVILLE TEACHERS 10 5.11% $4,356
Victorian Finance, LLC 10 5.75% $4,098
ACADEMY MORTGAGE CORPORATION 10 5.46% $5,199
STARK FEDERAL CREDIT UNION 10 4.95% $3,225
CANOPY MORTGAGE, LLC 10 4.29% $4,465
NORWICH COMMERCIAL GROUP, INC. 10 5.44% $4,611
COMPASS MORTGAGE, INC. 9 5.14% $4,387
THRIVENT Federal Credit Union 9 3.99% $3,405
Deere Employees Credit Union 9 4.41% $3,312
NexBank 9 5.67% $8,830
PLUS RELOCATION MORTGAGE, LLC 9 5.53% $3,661
Beeline Loans, Inc. 9 3.90% $5,013
LAKE MICHIGAN CREDIT UNION 9 4.60% $4,124
FEDERATED MORTGAGE CORP. 8 5.39% $4,186
Elements Financial Federal Credit Union 8 3.91% $3,696
Renasant Bank 8 5.48% $3,683
WINGS FINANCIAL 8 4.66% $3,229
GENISYS 8 4.39% $3,316
Servion, Inc. 8 4.50% $4,412
STAR ONE CREDIT UNION 8 4.67% $3,047
FCN Bank 8 4.78% $3,320
KH NETWORK CREDIT UNION 8 5.02% $7,018
ALLIED MORTGAGE GROUP, INC. 8 5.48% $5,927
BNY Mellon 8 3.88% $4,634
United Bank 7 4.63% $3,124
LENOX FINANCIAL MORTGAGE CORPORATION 7 4.29% $4,576
ASHLAND Credit Union 7 5.30% $4,560
PACIFIC RESIDENTIAL MORTGAGE, LLC 7 6.84% $5,669
Ukrainian Federal Credit Union 7 4.89% $3,666
JEEP COUNTRY 7 4.64% $2,767
Meridian Bank Corporation 7 5.98% $6,361
George Mason Mortgage, LLC 7 5.57% $5,659
Capital Bank 7 5.39% $4,448
SWBC MORTGAGE CORPORATION 7 5.95% $4,841
V.I.P. MORTGAGE, INC. 7 5.75% $4,581
Luxury Mortgage Corp. 6 5.44% $9,524
Central Bank & Trust Company 6 4.67% $5,123
TOGETHER CREDIT UNION 6 4.40% $2,217
ROUNDPOINT MORTGAGE SERVICING CORPORATION 6 5.04% $6,892
First National Bank of Omaha 6 4.94% $3,192
PARTNERS 1ST Federal Credit Union 6 4.94% $3,437
A&D Mortgage LLC 6 8.19% $13,118
CASTLE & COOKE MORTGAGE, LLC 6 5.90% $5,415
AMERICAN FINANCIAL RESOURCES, INC. 6 5.08% $7,514
Simmons Bank 6 4.40% $3,956
OCMBC, INC. 6 5.23% $6,174
NATIONAL COOPERATIVE BANK, N.A. 6 4.60% $1,777
United Fidelity Funding Corp. 6 6.79% $14,069
UNITED HOME LOANS, INC. 5 5.75% $4,373
Bay Area Credit Union, Inc. 5 5.37% $2,641
The Dart Bank 5 4.75% $5,778
HOMEXPRESS MORTGAGE CORP. 5 7.20% $10,791
Armed Forces Bank 5 4.85% $3,525
TOWNE MORTGAGE COMPANY 5 4.88% $5,287
AG Credit, Agricultural Credit Association 5 4.55% $2,755
JUSTICE Federal Credit Union 5 4.45% $4,457
Community Trust Bank, Inc. 5 5.50% $2,730
MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION 5 5.00% $4,306
FIRST TECHNOLOGY 5 4.80% $4,602
First Western Trust Bank 5 6.25% $5,913
Christian Community Credit Union 5 4.68% $5,883
Goldman Sachs Bank USA 5 3.45% $4,836
Goldwater Bank, N.A. 5 5.50% $5,412
ProFed Federal Credit Union 5 4.73% $2,768
BRIDGE 5 5.60% $3,470
Blue Ridge Bank 5 5.10% $4,113
BLUELEAF LENDING, LLC 5 5.17% $4,511
ROSS MORTGAGE CORPORATION 5 6.45% $6,669
DELTA COMMUNITY CREDIT UNION 5 4.18% $5,216
Pinnacle Bank 4 5.06% $5,769
United Nations Federal Credit Union 4 4.00% $4,441
1ST SIGNATURE LENDING, LLC 4 4.94% $6,748
UNIFY FINANCIAL Credit Union 4 3.33% $2,528
Figure Lending LLC 4 4.06% $3,731
Equity Prime Mortgage LLC 4 5.44% $10,282
Toyota Financial Savings Bank 4 3.66% $5,261
Towne Bank 4 5.44% $4,310
Liberty Savings Bank, F.S.B. 4 3.19% $7,354
MIAMI UNIVERSITY COMMUNITY 4 3.25% $3,051
American Security Mortgage Corp. 4 5.34% $3,625
CODE 4 4.75% $2,912
CERTAINTY HOME LOANS, LLC 4 4.75% $4,390
HOMESTEAD FUNDING CORP. 4 5.06% $3,385
The Home Loan Expert LLC 4 5.59% $4,704
Watermark Capital, Inc. 4 4.84% $4,251
OCEANSIDE MORTGAGE COMPANY 4 4.63% $3,031
Semper Home Loans, Inc. 4 5.28% $3,901
Bethpage Federal Credit Union 4 4.94% $6,311
EVERENCE FEDERAL CREDIT UNION 4 4.94% $1,967
Alerus Financial 4 4.44% $4,106
Texana Bank 4 4.94% $8,588
Commerce Home Mortgage, Inc. 4 6.36% $9,127
NASA Federal Credit Union 4 4.00% $8,520
CENTRAL COAST LENDING, INC. 4 6.19% $3,865
CHEVRON 4 5.94% $3,810
EASTMAN 4 4.34% $4,252
DOMINION ENERGY CREDIT UNION 4 4.09% $2,615
Northwest Federal Credit Union 4 5.16% $4,368
Century Mortgage Company DBA Century Lending Company 3 5.96% $5,144
TEACHERS CREDIT UNION 3 5.13% $3,615
Lake City Bank 3 4.29% $3,333
GREENSTATE CREDIT UNION 3 5.29% $4,940
OAKTREE FUNDING CORP. 3 8.75% $11,659
VERITAS FUNDING, LLC 3 6.71% $8,668
CALCON MUTUAL MORTGAGE LLC 3 4.17% $6,210
Notre Dame Federal Credit Union Corporation 3 5.17% $3,780
Hancock Whitney Bank 3 6.38% $4,698
PROPER RATE, LLC 3 5.58% $3,804
SOUTHPOINT FINANCIAL SERVICES, INC. 3 4.79% $10,722
Kwik Mortgage Corporation 3 4.92% $2,257
KINECTA 3 3.08% $3,273
PURDUE FEDERAL CREDIT UNION 3 5.75% $4,298
The Loan Store, Inc. 3 5.96% $4,886
HSBC BANK USA, NATIONAL ASSOCIATION 3 4.69% $4,027
Assurance Financial Group, L.L.C. 3 5.66% $4,318
Advisors Mortgage Group, L.L.C. 3 4.75% $3,211
First Federal Bank, A FSB 3 5.58% $4,433
Lend Smart Mortgage, LLC 3 5.04% $3,960
FBC MORTGAGE, LLC 3 4.54% $6,619
Bank of Whittier 3 6.08% $4,430
Academy Bank 3 6.04% $2,949
TOTAL MORTGAGE SERVICES, LLC 3 5.71% $7,390
AMERICAN PORTFOLIO MORTGAGE CORPORATION 3 5.63% $5,060
AFFINITY 3 3.79% $4,776
TJC Mortgage, Inc. 3 4.29% $5,205
CONTOUR MORTGAGE CORPORATION 3 6.00% $6,210
STEARNS LENDING, LLC 3 3.71% $6,038
Honor Credit Union 3 5.00% $2,836
First Federal Savings Bank 2 3.44% $3,938
NBH Bank 2 5.88% $4,705
L & N Federal Credit Union 2 6.06% $2,572
COMMUNITYAMERICA 2 4.56% $3,954
C E S 2 6.31% $2,542
Community Bank 2 4.44% $4,073
COMMUNITY MORTGAGE FUNDING, LLC 2 5.31% $3,886
NUMARK CREDIT UNION 2 4.63% $2,039
First International Bank & Trust 2 5.75% $3,653
JET DIRECT FUNDING CORP 2 6.19% $13,357
Oakstar Bank 2 6.25% $2,873
Iroquois Federal Savings and Loan Association 2 4.31% $3,631
INTERLINC MORTGAGE SERVICES, LLC 2 5.75% $3,757
INTERCAP LENDING INC. 2 6.56% $4,835
Old Second National Bank 2 4.88% $4,144
INLAND BANK & TRUST 2 5.13% $3,801
ON Q FINANCIAL, INC. 2 7.25% $6,736
Zions Bancorporation, N.A. 2 3.81% $1,568
First-Citizens Bank & Trust Company 2 4.14% $7,059
STRIP STEEL COMMUNITY FEDERAL CREDIT UNION 2 3.00% $1,726
Wilmington Savings Fund Society, FSB 2 5.75% $4,803
HANCOCK MORTGAGE PARTNERS, LLC 2 5.31% $5,003
Centennial Bank 2 4.38% $7,139
WESCOM CENTRAL CREDIT UNION 2 4.63% $4,368
ADVANCIAL 2 5.31% $4,461
FAY SERVICING, LLC 2 6.06% $5,177
CapStar Bank 2 3.50% $3,030
GREAT LAKES 2 3.06% $4,223
CORNERSTONE COMMUNITY FINANCIAL 2 6.69% $4,685
Platinum Home Mortgage Corporation 2 6.69% $7,079
First Financial Bank 2 5.13% $3,210
UTILITIES EMPLOYEES CREDIT UNION 2 4.38% $3,166
U S WIDE FINANCIAL LLC 2 5.00% $3,207
MICHIGAN FIRST CREDIT UNION 2 5.19% $5,042
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 2 5.19% $4,416
CRESCENT MORTGAGE COMPANY 2 4.93% $4,645
AMERICAN ADVISORS GROUP 2 4.37% $6,344
BOND STREET MORTGAGE, LLC 2 6.06% $6,258
BOKF 2 5.63% $6,927
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 2 4.38% $6,232
Horizon Bank 2 5.81% $4,262
South State Bank 2 4.50% $3,338
TLC COMMUNITY Credit Union 2 5.25% $3,321
Fidelity Bank 2 5.19% $4,006
State Department Federal Credit Union 2 4.94% $8,920
The Northern Trust Company 2 4.06% $4,547
Heritage Bank 2 5.93% $6,830
SeaTrust Mortgage Company 2 5.75% $9,395
Atlantic Union Bank 2 4.75% $5,216
Austin Capital Bank SSB 2 5.19% $7,069
AXIA FINANCIAL, LLC 2 4.50% $4,177
HOMEOWNERS FINANCIAL GROUP USA, LLC 2 4.69% $4,088
Silicon Valley Bank 2 3.25% $3,572
CITIZENS EQUITY FIRST 2 5.31% $3,006
FORT FINANCIAL Federal Credit Union 2 5.94% $2,695
CIBC Bank USA 2 5.38% $4,466
Mid Penn Bank 2 5.00% $4,999
First State Bank 2 4.88% $2,489
Northwest Bank 1 4.25% $3,238
FIDELITY BANK 1 6.13% $7,314
FineMark National Bank & Trust 1 4.25% $5,354
First Bank 1 4.99% $5,416
First Farmers Bank and Trust Company 1 5.63% $3,279
First Federal Bank 1 6.50% $4,216
ERIE FEDERAL CREDIT UNION 1 4.73% $3,456
First Federal Savings Bank 1 5.75% $3,019
Encompass Lending Group, LP 1 4.75% $9,510
FIRST NORTHERN Credit Union 1 5.13% $3,009
First State Bank of St. Charles, Missouri 1 3.38% $4,487
FLAT BRANCH MORTGAGE, INC. 1 5.49% $3,606
Educational Employees Credit Union 1 4.75% $3,119
General Mortgage Capital Corporation 1 6.88% $5,476
GEORGIA'S OWN 1 4.88% $2,829
Gold Coast Bank 1 6.00% $8,995
DIRECT MORTGAGE, CORP. 1 5.00% $7,134
GoPrime Mortgage, Inc. 1 5.63% $4,414
Great Southern Bank 1 3.25% $3,024
Dieterich Bank 1 5.13% $2,914
Deseret First Credit Union 1 3.25% $6,774
HAMILTON HOME LOANS, INC. 1 4.99% $6,059
Home Federal Bank 1 5.13% $7,071
Homesale Mortgage, LLC 1 5.75% $2,754
County National Bank 1 5.50% $2,768
Countybank 1 3.88% $5,665
Cornerstone National Bank & Trust Company 1 6.25% $3,614
Cornerstone First Mortgage, Inc 1 4.25% $6,486
HUDSON HERITAGE 1 5.00% $3,335
IDB Global Federal Credit Union 1 5.75% $5,590
I.L.W.U. CREDIT UNION 1 4.00% $3,667
INB 1 6.50% $3,842
Independent Bank 1 6.63% $4,496
INOVA FEDERAL CREDIT UNION 1 3.50% $3,717
CONSUMERS COOPERATIVE CREDIT UNION 1 5.50% $6,214
Congressional Bank 1 5.38% $3,645
Kearny Bank 1 5.50% $5,746
LAFAYETTE FEDERAL CREDIT UNION 1 3.50% $34,899
LAFCU 1 6.38% $3,526
Community First Bank of Indiana 1 4.75% $5,689
Leader Bank 1 5.13% $2,868
LEGEND LENDING CORPORATION 1 7.13% $5,095
Loan Simple, Inc. 1 7.63% $5,480
Logan Finance Corporation 1 7.63% $7,308
MAYO EMPLOYEES FEDERAL CREDIT UNION 1 5.25% $5,871
Mazuma Credit Union 1 6.25% $7,019
Clearview Federal Credit Union 1 4.94% $3,346
Mid-Continent Funding, Inc. 1 6.25% $4,368
MIDWEST AMERICA 1 4.75% $3,564
Midwest BankCentre 1 3.25% $3,094
Midwest Community Bank 1 4.63% $3,192
CITYWIDE HOME LOANS, LLC 1 5.00% $7,313
MJW Financial LLC 1 5.49% $3,837
MLD MORTGAGE INC. 1 5.25% $6,100
MONROE COUNTY COMMUNITY CREDIT UNION 1 5.25% $3,335
City National Bank of Florida 1 6.88% $3,386
City Bank 1 6.63% $5,452
Mutual Federal Bank 1 5.63% $4,498
Choice Financial Group 1 3.75% $6,195
Chickasaw Community Bank 1 6.50% $4,816
NORTHROP GRUMMAN Federal Credit Union 1 7.13% $4,735
FEDEX EMPLOYEES CREDIT ASSOCIATION 1 4.75% $3,724
NORTHWEST BANK OF ROCKFORD 1 4.99% $6,098
OAK MORTGAGE, LLC 1 6.13% $3,483
ONE NEVADA CREDIT UNION 1 4.75% $5,760
OPEN MORTGAGE, LLC 1 5.99% $3,623
Centra Credit Union 1 3.75% $3,064
Orion Federal Credit Union 1 4.25% $7,564
Pacor Mortgage Corp 1 5.00% $5,480
PANORAMA MORTGAGE GROUP, LLC 1 5.25% $7,010
Carrollton Bank 1 5.50% $3,701
Peoples Bank 1 4.25% $16,849
Peoples State Bank 1 5.50% $3,480
Premium Mortgage Corporation 1 3.13% $3,120
Presidential Bank, FSB 1 5.13% $16,596
CAMPUS USA 1 5.25% $4,250
Busey Bank 1 5.50% $2,911
QUORUM FEDERAL CREDIT UNION 1 4.13% $2,358
Residential Mortgage Solutions, Inc. 1 3.88% $4,198
Rock Canyon Bank 1 4.13% $2,837
Blackhawk Bank 1 6.38% $5,525
BKCO MORTGAGE, LLC 1 3.99% $6,849
SCHLUMBERGER EMPLOYEES CREDIT UNION 1 5.25% $2,562
SCIENT Federal Credit Union 1 2.88% $3,535
ServisFirst Bank 1 3.13% $4,294
SFMC, LP 1 4.50% $4,120
BELEM SERVICING LLC 1 6.63% $6,880
BEACON CREDIT UNION 1 4.00% $3,180
SOUTHERN TRUST MORTGAGE, LLC 1 5.38% $5,173
SOUTHWEST STAGE FUNDING, LLC 1 3.88% $5,447
STANFORD Federal Credit Union 1 2.63% $3,257
STAR Financial Bank 1 5.25% $2,792
Summit Community Bank, Inc. 1 5.13% $4,540
TEACHERS 1 6.13% $5,100
The Camden National Bank 1 6.00% $4,145
Bank of Springfield 1 4.20% $2,267
Bank of Ann Arbor 1 3.88% $3,266
Bank-Fund Staff Federal Credit Union 1 5.50% $4,124
Bank Five Nine 1 7.38% $3,718
ATLANTA POSTAL 1 3.13% $3,011
THE MORTGAGE FIRM, INC. 1 5.88% $7,865
ASCENTRA 1 3.75% $9,645
The Paducah Bank and Trust Company 1 6.00% $4,506
ANDREWS FEDERAL CREDIT UNION 1 3.75% $3,413
THOMPSON KANE & COMPANY, LLC 1 7.00% $10,453
TOWER 1 5.13% $3,479
American Mortgage & Equity Consultants, Inc. 1 4.50% $5,854
UMB Bank 1 4.59% $3,252
ALTURA 1 5.38% $3,745
UNIVERSITY CREDIT UNION 1 5.13% $3,486
Alcova Mortgage LLC 1 4.13% $3,568
Uwharrie Bank 1 4.50% $2,846
AHL FUNDING 1 4.13% $7,058
VILLAGE CAPITAL MORTGAGE 1 5.13% $5,305
Washington Trust Bank 1 5.13% $5,069

Ohio Average Closing Costs & Other Stats

Ohio's 635 lenders originated 315,410 loans during 2022. The total origination value was $65,253,090,000, with an average loan value of $206,883.

Ohio's average closing costs are $4,370.

The top Ohio lender as defined by loan originations is The Huntington National Bank, with 7,489 loans originated. Their average total fees are $4,320, which is $1,969 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Ohio lenders (with over 10 loans originated) are Discover Bank ($0), CHERRY CREEK MORTGAGE, LLC ($865), Guardian Savings Bank, A Federal Savings Bank ($1,100), City National Bank of West Virginia ($1,298) and PREMIA MORTGAGE, LLC ($1,387).

The lowest rate Ohio lenders (with over 10 loans originated) are FRANKLIN MINT (3.43%), CREDIT UNION MORTGAGE ASSOCIATION, INC. (3.49%), Stifel Bank and Trust (3.79%), Chicago Mortgage Solutions LLC (3.80%) and Charles Schwab Bank, SSB (3.83%).

Ohio 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
The Huntington National Bank $7,510,315,000 $4,970,255,000 -33.8% 7.6%
QUICKEN LOANS, LLC $6,243,210,000 $2,858,030,000 -54.2% 4.4%
Third Federal Savings and Loan Association of Cleveland $2,298,410,000 $2,305,375,000 0.3% 3.5%
Fifth Third Bank $3,283,465,000 $2,228,330,000 -32.1% 3.4%
Union Savings Bank $4,054,785,000 $1,760,820,000 -56.6% 2.7%
CROSSCOUNTRY MORTGAGE, LLC $2,044,675,000 $1,702,360,000 -16.7% 2.6%
PNC Bank $1,881,525,000 $1,478,350,000 -21.4% 2.3%
UNITED WHOLESALE MORTGAGE, LLC $1,291,890,000 $1,156,600,000 -10.5% 1.8%
JPMorgan Chase Bank $2,535,985,000 $1,148,905,000 -54.7% 1.8%
UNION HOME MORTGAGE CORP. $2,040,485,000 $1,129,410,000 -44.6% 1.7%
KeyBank $1,662,345,000 $1,123,885,000 -32.4% 1.7%
First Federal Bank of the Midwest $1,231,610,000 $1,016,075,000 -17.5% 1.6%
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $756,020,000 $874,065,000 15.6% 1.3%
U.S. Bank $1,573,715,000 $863,970,000 -45.1% 1.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,479,780,000 $815,940,000 -44.9% 1.3%
Citizens Bank $1,043,815,000 $807,185,000 -22.7% 1.2%
First Financial Bank $756,605,000 $749,075,000 -1.0% 1.1%
LOANDEPOT.COM, LLC $1,628,085,000 $747,115,000 -54.1% 1.1%
Wells Fargo Bank $832,205,000 $698,005,000 -16.1% 1.1%
GUARANTEED RATE, INC. $1,108,310,000 $670,530,000 -39.5% 1.0%
Mortgage Research Center, LLC $734,550,000 $670,490,000 -8.7% 1.0%
WRIGHT-PATT CREDIT UNION, INC. $882,790,000 $667,320,000 -24.4% 1.0%
First Commonwealth Bank $746,910,000 $665,710,000 -10.9% 1.0%
First Federal Savings and Loan Association of Lakewood $997,440,000 $645,525,000 -35.3% 1.0%
WesBanco Bank, Inc. $636,395,000 $629,490,000 -1.1% 1.0%
NVR Mortgage Finance, Inc. $652,790,000 $619,400,000 -5.1% 0.9%
Flagstar Bank, FSB $274,810,000 $574,875,000 109.2% 0.9%
CALIBER HOME LOANS, INC. $1,245,455,000 $574,130,000 -53.9% 0.9%
RUOFF MORTGAGE COMPANY, INC. $929,365,000 $542,390,000 -41.6% 0.8%
The Park National Bank $860,775,000 $540,440,000 -37.2% 0.8%
PRIMELENDING, A PLAINSCAPITAL COMPANY $864,715,000 $524,515,000 -39.3% 0.8%
NFM, INC. $547,955,000 $519,625,000 -5.2% 0.8%
WALKER & DUNLOP, LLC $374,670,000 $424,540,000 13.3% 0.7%
BERKELEY POINT CAPITAL LLC $86,720,000 $422,360,000 387.0% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $764,155,000 $415,450,000 -45.6% 0.6%
HOWARD HANNA FINANCIAL SERVICES, INC. $580,665,000 $392,075,000 -32.5% 0.6%
FREEDOM MORTGAGE CORPORATION $1,732,150,000 $391,060,000 -77.4% 0.6%
GENERAL ELECTRIC CREDIT UNION $420,335,000 $382,690,000 -9.0% 0.6%
T2 FINANCIAL LLC $754,585,000 $380,850,000 -49.5% 0.6%
BERKADIA COMMERCIAL MORTGAGE LLC $292,535,000 $366,450,000 25.3% 0.6%
First National Bank of Pennsylvania $522,465,000 $349,975,000 -33.0% 0.5%
United Fidelity Bank, fsb $134,270,000 $347,425,000 158.8% 0.5%
Civista Bank $335,985,000 $336,285,000 0.1% 0.5%
Merchants Bank of Indiana $164,935,000 $330,660,000 100.5% 0.5%
VICTORY MORTGAGE, L.L.C. $399,575,000 $321,820,000 -19.5% 0.5%
HOMESIDE FINANCIAL, LLC $587,550,000 $298,095,000 -49.3% 0.5%
The State Bank and Trust Company $508,535,000 $295,165,000 -42.0% 0.5%
PENNYMAC LOAN SERVICES, LLC $741,170,000 $288,305,000 -61.1% 0.4%
PULTE MORTGAGE LLC $321,110,000 $286,555,000 -10.8% 0.4%
M/I FINANCIAL, LLC $303,185,000 $285,240,000 -5.9% 0.4%
CNB Bank $234,675,000 $281,900,000 20.1% 0.4%
The Farmers National Bank of Canfield $332,610,000