Mortgage lending in Hamilton County
19,310 mortgages were originated in Hamilton 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
- 19,310
- Median rate
- 6.750%
- Median lender fees
- $4,411
- Median loan amount
- $195,000
- Median spread over APOR
- 0.291
- Paid discount points
- 28.4%
- Received lender credits
- 22.6%
- Purchases / refinances
- 48.6% / 29.4%
- Conventional / FHA / VA
- 85.4% / 10.7% / 3.9%
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 63.1% 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 Hamilton County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Fifth Third Bank, National Association | 1,606 | $3,062 | 7.500% |
| Union Savings Bank | 961 | $1,073 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 946 | $7,342 | 6.500% |
| The Huntington National Bank | 838 | $3,924 | 7.070% |
| Rocket Mortgage, LLC | 829 | $5,476 | 6.625% |
| PNC Bank, National Association | 629 | $4,394 | 7.750% |
| CROSSCOUNTRY MORTGAGE, INC. | 558 | $5,339 | 6.714% |
| First Financial Bank | 532 | $3,702 | 5.990% |
| Third Federal Savings and Loan Association of Cleveland | 527 | $495 | 6.750% |
| U.S. Bank National Association | 527 | $3,665 | 7.600% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Hamilton County — not a rule of thumb.
From 12,191 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