Mortgage lending in Montgomery County
12,884 mortgages were originated in Montgomery 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
- 12,884
- Median rate
- 6.750%
- Median lender fees
- $4,254
- Median loan amount
- $155,000
- Median spread over APOR
- 0.390
- Paid discount points
- 34.4%
- Received lender credits
- 23.9%
- Purchases / refinances
- 52.1% / 28%
- Conventional / FHA / VA
- 74.8% / 13.7% / 11.3%
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 71.3% 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 Montgomery County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| WRIGHT-PATT CREDIT UNION, INC. | 1,684 | $3,122 | 7.250% |
| Union Savings Bank | 915 | $1,539 | 6.625% |
| Fifth Third Bank, National Association | 821 | $2,592 | 7.750% |
| Rocket Mortgage, LLC | 707 | $5,417 | 6.625% |
| The Huntington National Bank | 580 | $3,874 | 6.875% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 431 | $6,571 | 6.375% |
| Day Air Credit Union, Inc. | 423 | $2,649 | 7.240% |
| Mortgage Research Center, LLC | 313 | $4,312 | 6.250% |
| CROSSCOUNTRY MORTGAGE, INC. | 292 | $5,713 | 6.875% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 252 | $5,297 | 6.750% |
What lenders charged here
Lender fees on a $155,000 loan, based on what was actually charged in Montgomery County — not a rule of thumb.
From 9,180 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