Mortgage lending in Belmont County
1,064 mortgages were originated in Belmont County, Ohio, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,064
- Median rate
- 6.750%
- Median lender fees
- $5,367
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $125,000
- Above the going rate (spread over APOR)
- 0.469
- Paid discount points
- 29.6%
- Received lender credits
- 15.8%
- Purchases / refinances
- 48.1% / 31%
- Conventional / FHA / VA
- 74.1% / 14.8% / 6.3%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 49.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $228,000
- That home, 20% down
- $182,400
A median-priced home with 20% down leaves $650,350 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Belmont County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Belmont Savings Bank | 132 | — | — |
| WesBanco Bank, Inc. | 122 | $5,624 | 6.000% |
| The Huntington National Bank | 106 | — | 7.740% |
| Rocket Mortgage, LLC | 65 | $5,688 | 6.625% |
| Unified Bank | 55 | — | — |
What lenders charged here
Lender fees on a $125,000 loan, based on what was actually charged in Belmont County — not a rule of thumb.
From 523 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers