Mortgage lending in Geauga County
2,526 mortgages were originated in Geauga 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
- 2,526
- Median rate
- 6.973%
- Median lender fees
- $5,326
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
- $205,000
- Above the going rate (spread over APOR)
- 0.320
- Paid discount points
- 27.1%
- Received lender credits
- 15.4%
- Purchases / refinances
- 36.6% / 34.8%
- Conventional / FHA / VA
- 90.5% / 5.5% / 3.7%
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 51.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $350,000
- That home, 20% down
- $280,000
A median-priced home with 20% down leaves $552,750 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 Geauga County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Huntington National Bank | 419 | $4,164 | 7.740% |
| The Middlefield Banking Company | 235 | — | — |
| Third Federal Savings and Loan Association of Cleveland | 165 | $495 | 6.990% |
| Rocket Mortgage, LLC | 150 | $4,851 | 6.625% |
| Citizens Bank, National Association | 127 | — | 7.150% |
| Crosscountry Mortgage, Inc. | 126 | $7,154 | 6.750% |
| Fifth Third Bank, National Association | 103 | — | 7.250% |
| First National Bank of Pennsylvania | 89 | — | 6.490% |
| United Shore Financial Services, LLC | 58 | $6,879 | 6.125% |
| PNC Bank, National Association | 54 | — | 8.100% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Geauga County — not a rule of thumb.
From 1,300 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