Mortgage lending in Cuyahoga County
28,056 mortgages were originated in Cuyahoga 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
- 28,056
- Median rate
- 6.875%
- Median lender fees
- $4,992
- Median loan amount
- $155,000
- Median spread over APOR
- 0.336
- Paid discount points
- 29.8%
- Received lender credits
- 20.8%
- Purchases / refinances
- 47.3% / 30.6%
- Conventional / FHA / VA
- 85.7% / 10.3% / 4%
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 57.8% 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 Cuyahoga County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Third Federal Savings and Loan Association of Cleveland | 2,383 | $3,220 | 6.690% |
| The Huntington National Bank | 2,312 | $4,577 | 7.240% |
| Rocket Mortgage, LLC | 1,800 | $5,464 | 6.625% |
| CROSSCOUNTRY MORTGAGE, INC. | 1,758 | $7,029 | 6.750% |
| Citizens Bank, National Association | 1,337 | $4,893 | 7.650% |
| PNC Bank, National Association | 1,170 | $4,233 | 8.000% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,158 | $6,724 | 6.625% |
| Fifth Third Bank, National Association | 1,097 | $4,046 | 7.500% |
| KeyBank National Association | 663 | $3,111 | 6.125% |
| BPL MORTGAGE TRUST, LLC | 628 | — | 7.625% |
What lenders charged here
Lender fees on a $155,000 loan, based on what was actually charged in Cuyahoga County — not a rule of thumb.
From 16,220 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