Mortgage lending in Lake County
6,378 mortgages were originated in Lake 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
- 6,378
- Median rate
- 6.875%
- Median lender fees
- $5,150
- Median loan amount
- $165,000
- Median spread over APOR
- 0.410
- Paid discount points
- 36.5%
- Received lender credits
- 20.7%
- Purchases / refinances
- 45.8% / 30.8%
- Conventional / FHA / VA
- 80.9% / 13.1% / 5.8%
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 65.1% 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 Lake County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Huntington National Bank | 800 | $4,291 | 7.640% |
| CROSSCOUNTRY MORTGAGE, INC. | 680 | $6,791 | 6.750% |
| Third Federal Savings and Loan Association of Cleveland | 484 | $3,387 | 6.740% |
| Rocket Mortgage, LLC | 480 | $5,219 | 6.750% |
| Citizens Bank, National Association | 340 | — | 7.650% |
| Fifth Third Bank, National Association | 219 | $3,976 | 7.250% |
| PNC Bank, National Association | 193 | — | 8.100% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 191 | $7,029 | 6.292% |
| JPMorgan Chase Bank, National Association | 131 | $3,337 | 6.625% |
| Dollar Bank, Federal Savings Bank | 125 | — | 6.750% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Lake County — not a rule of thumb.
From 4,153 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