Mortgage lending in Lorain County
8,820 mortgages were originated in Lorain 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
- 8,820
- Median rate
- 6.750%
- Median lender fees
- $5,002
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
- $165,000
- Above the going rate (spread over APOR)
- 0.383
- Paid discount points
- 38.7%
- Received lender credits
- 21.2%
- Purchases / refinances
- 47.5% / 30.8%
- Conventional / FHA / VA
- 79.1% / 14.2% / 6.7%
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 68% 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 Lorain County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Huntington National Bank | 1,054 | $4,168 | 7.740% |
| Rocket Mortgage, LLC | 696 | $5,131 | 6.750% |
| Third Federal Savings and Loan Association of Cleveland | 603 | $3,401 | 6.740% |
| Crosscountry Mortgage, Inc. | 481 | $7,354 | 6.625% |
| Fifth Third Bank, National Association | 460 | $3,834 | 7.500% |
| NVR Mortgage Finance, Inc. | 301 | $3,889 | 6.250% |
| United Shore Financial Services, LLC | 298 | $6,894 | 6.500% |
| PNC Bank, National Association | 229 | — | 8.150% |
| Citizens Bank, National Association | 219 | $4,657 | 7.400% |
| Dollar Bank, Federal Savings Bank | 199 | — | 6.740% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Lorain County — not a rule of thumb.
From 5,997 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