Mortgage lending in Delaware County
7,607 mortgages were originated in Delaware 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
- 7,607
- Median rate
- 6.625%
- Median lender fees
- $4,776
- Median loan amount
- $315,000
- Median spread over APOR
- 0.138
- Paid discount points
- 30.1%
- Received lender credits
- 23.3%
- Purchases / refinances
- 45.9% / 31.5%
- Conventional / FHA / VA
- 89.7% / 6.3% / 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 65.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $591,100
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 Delaware County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Huntington National Bank | 715 | $4,670 | 7.590% |
| Fifth Third Bank, National Association | 392 | $4,587 | 7.250% |
| Third Federal Savings and Loan Association of Cleveland | 347 | $245 | 6.990% |
| Rocket Mortgage, LLC | 330 | $4,222 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 325 | $6,112 | 6.125% |
| PULTE MORTGAGE LLC | 281 | $1,225 | 5.500% |
| Kemba Financial Credit Union Inc | 271 | — | 7.000% |
| M/I FINANCIAL, LLC | 259 | $5,114 | 6.000% |
| NFM, INC. | 236 | $7,753 | 6.625% |
| JPMorgan Chase Bank, National Association | 225 | $3,590 | 6.250% |
What lenders charged here
Lender fees on a $315,000 loan, based on what was actually charged in Delaware County — not a rule of thumb.
From 4,954 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