Mortgage lending in Licking County
5,188 mortgages were originated in Licking 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
- 5,188
- Median rate
- 6.875%
- Median lender fees
- $4,938
- Median loan amount
- $205,000
- Median spread over APOR
- 0.330
- Paid discount points
- 32.1%
- Received lender credits
- 21.7%
- Purchases / refinances
- 45.1% / 32.1%
- Conventional / FHA / VA
- 80.3% / 12% / 7.6%
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 65.6% 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 Licking County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Huntington National Bank | 432 | $4,294 | 7.590% |
| The Park National Bank | 383 | $3,706 | 7.250% |
| Rocket Mortgage, LLC | 320 | $6,029 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 225 | $7,788 | 6.500% |
| EQUITY RESOURCES, INC. | 184 | $3,317 | 6.625% |
| NFM, INC. | 154 | $8,431 | 6.625% |
| UNION HOME MORTGAGE CORP. | 133 | $5,844 | 6.750% |
| Fifth Third Bank, National Association | 126 | — | 7.250% |
| TrueCore Federal Credit Union | 125 | — | — |
| First Federal Savings and Loan Association | 119 | $3,218 | 6.950% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Licking County — not a rule of thumb.
From 3,403 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