Mortgage lending in Lucas County
8,905 mortgages were originated in Lucas 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
- 8,905
- Median rate
- 6.999%
- Median lender fees
- $4,737
- Median loan amount
- $125,000
- Median spread over APOR
- 0.560
- Paid discount points
- 31.6%
- Received lender credits
- 20.6%
- Purchases / refinances
- 50.2% / 26.6%
- Conventional / FHA / VA
- 83.6% / 11.6% / 4.8%
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 60.5% 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 Lucas County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Huntington National Bank | 1,209 | $4,277 | 7.490% |
| Fifth Third Bank, National Association | 708 | $3,114 | 7.750% |
| Rocket Mortgage, LLC | 565 | $5,346 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 464 | $5,382 | 6.985% |
| UNION HOME MORTGAGE CORP. | 454 | $5,905 | 6.875% |
| Citizens Bank, National Association | 416 | $4,865 | 7.650% |
| Directions Credit Union, Inc. | 385 | $3,247 | 6.750% |
| KeyBank National Association | 244 | $4,185 | 6.500% |
| SUN Federal Credit Union | 235 | — | 7.750% |
| EQUITY RESOURCES, INC. | 212 | $4,562 | 6.625% |
What lenders charged here
Lender fees on a $125,000 loan, based on what was actually charged in Lucas County — not a rule of thumb.
From 5,390 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