Mortgage lending in Franklin County
29,514 mortgages were originated in Franklin 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
- 29,514
- Median rate
- 6.750%
- Median lender fees
- $4,998
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
- $215,000
- Above the going rate (spread over APOR)
- 0.290
- Paid discount points
- 33%
- Received lender credits
- 24.4%
- Purchases / refinances
- 48.4% / 31.1%
- Conventional / FHA / VA
- 84.1% / 11.3% / 4.6%
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 64.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $591,100
- Median home price
- $514,000
- That home, 20% down
- $411,200
A median-priced home with 20% down leaves $421,550 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 Franklin County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Huntington National Bank | 2,572 | $4,467 | 7.377% |
| Rocket Mortgage, LLC | 1,415 | $5,647 | 6.625% |
| Nfm, Inc. | 1,360 | $7,519 | 6.625% |
| Fifth Third Bank, National Association | 1,339 | $3,344 | 7.500% |
| United Shore Financial Services, LLC | 1,320 | $6,239 | 6.418% |
| Kemba Financial Credit Union Inc | 1,026 | $1,100 | 7.000% |
| Crosscountry Mortgage, Inc. | 971 | $7,541 | 6.750% |
| JPMorgan Chase Bank, National Association | 804 | $3,533 | 6.490% |
| Union Savings Bank | 771 | $2,625 | 6.750% |
| First Financial Bank | 711 | $3,649 | 6.375% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Franklin County — not a rule of thumb.
From 18,960 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