Mortgage lending in Brown County
1,158 mortgages were originated in Brown County, Ohio, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,158
- Median rate
- 6.874%
- Median lender fees
- $5,699
- Median loan amount
- $165,000
- Median spread over APOR
- 0.502
- Paid discount points
- 38.5%
- Received lender credits
- 23.1%
- Purchases / refinances
- 51.9% / 29.7%
- Conventional / FHA / VA
- 68% / 20.6% / 8.7%
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 70.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Brown County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| First State Bank | 91 | — | 7.500% |
| Fifth Third Bank, National Association | 74 | — | 7.750% |
| CROSSCOUNTRY MORTGAGE, INC. | 72 | $9,365 | 6.719% |
| Rocket Mortgage, LLC | 66 | $5,864 | 6.625% |
| Peoples Bank | 61 | — | 7.240% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Brown County — not a rule of thumb.
From 817 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers