Mortgage lending in Scioto County
1,121 mortgages were originated in Scioto 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
- 1,121
- Median rate
- 6.750%
- Median lender fees
- $4,613
- Median loan amount
- $125,000
- Median spread over APOR
- 0.500
- Paid discount points
- 42.1%
- Received lender credits
- 31.9%
- Purchases / refinances
- 52% / 29.4%
- Conventional / FHA / VA
- 71.7% / 15.5% / 8.9%
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 67.2% 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 Scioto County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Fifth Third Bank, National Association | 109 | $3,712 | 6.625% |
| DESCO | 105 | $3,377 | 6.500% |
| U.S. Bank National Association | 100 | $3,842 | 6.563% |
| Peoples Bank | 81 | — | 7.250% |
| ATOMIC CREDIT UNION, INC. | 70 | — | — |
| Rocket Mortgage, LLC | 66 | $6,576 | 6.688% |
| Citizens Bank, National Association | 51 | — | 7.650% |
What lenders charged here
Lender fees on a $125,000 loan, based on what was actually charged in Scioto County — not a rule of thumb.
From 753 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