Mortgage lending in Fairfield County
4,728 mortgages were originated in Fairfield 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
- 4,728
- Median rate
- 6.875%
- Median lender fees
- $5,431
- Median loan amount
- $225,000
- Median spread over APOR
- 0.333
- Paid discount points
- 35.7%
- Received lender credits
- 21.8%
- Purchases / refinances
- 48.5% / 29.4%
- Conventional / FHA / VA
- 76.3% / 15.6% / 8%
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 67.1% 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 Fairfield County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Huntington National Bank | 309 | $4,410 | 7.740% |
| Rocket Mortgage, LLC | 294 | $5,050 | 6.750% |
| The Park National Bank | 207 | $3,666 | 7.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 193 | $6,539 | 6.240% |
| UNION HOME MORTGAGE CORP. | 187 | $6,409 | 6.875% |
| Fifth Third Bank, National Association | 176 | $3,429 | 7.750% |
| Kemba Financial Credit Union Inc | 150 | — | 7.250% |
| DHI MORTGAGE COMPANY, LTD. | 148 | $10,309 | 4.500% |
| THE VINTON COUNTY NATIONAL BANK | 148 | $4,718 | 7.250% |
| NFM, INC. | 138 | $7,985 | 6.750% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Fairfield County — not a rule of thumb.
From 3,173 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