Mortgage lending in Miami County
2,995 mortgages were originated in Miami 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
- 2,995
- Median rate
- 6.750%
- Median lender fees
- $4,405
- Median loan amount
- $165,000
- Median spread over APOR
- 0.358
- Paid discount points
- 33%
- Received lender credits
- 21.8%
- Purchases / refinances
- 50.2% / 28.7%
- Conventional / FHA / VA
- 76.1% / 13.4% / 10.2%
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 69.7% 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 Miami County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| WRIGHT-PATT CREDIT UNION, INC. | 384 | $2,769 | 7.500% |
| Fifth Third Bank, National Association | 256 | $3,183 | 7.750% |
| Union Savings Bank | 231 | $1,440 | 6.750% |
| Rocket Mortgage, LLC | 144 | $6,253 | 6.495% |
| Loandepot.Com, LLC | 111 | $5,038 | 6.575% |
| Cornerstone First Mortgage, Inc | 92 | $5,831 | 6.750% |
| U.S. Bank National Association | 88 | $3,710 | 7.250% |
| CROSSCOUNTRY MORTGAGE, INC. | 86 | $6,168 | 6.750% |
| The Huntington National Bank | 82 | — | 7.320% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 78 | $7,854 | 6.000% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Miami County — not a rule of thumb.
From 2,087 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