Mortgage lending in Stark County
9,297 mortgages were originated in Stark 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
- 9,297
- Median rate
- 6.875%
- Median lender fees
- $4,935
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
- $145,000
- Above the going rate (spread over APOR)
- 0.500
- Paid discount points
- 38.3%
- Received lender credits
- 21.9%
- Purchases / refinances
- 45.6% / 31.5%
- Conventional / FHA / VA
- 79.1% / 14.3% / 6.4%
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 62.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $180,000
- That home, 20% down
- $144,000
A median-priced home with 20% down leaves $688,750 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 Stark County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Huntington National Bank | 1,551 | $4,189 | 7.590% |
| Crosscountry Mortgage, Inc. | 713 | $7,023 | 6.750% |
| Rocket Mortgage, LLC | 683 | $5,029 | 6.625% |
| Citizens Bank, National Association | 492 | $3,950 | 7.650% |
| First Commonwealth Bank | 378 | $463 | 5.990% |
| CANTON SCHOOL EMPLOYEES Federal Credit Union | 373 | — | 9.000% |
| Fairway Independent Mortgage Corporation | 235 | $4,879 | 6.625% |
| PNC Bank, National Association | 214 | $4,179 | 7.388% |
| United Shore Financial Services, LLC | 193 | $7,457 | 6.125% |
| JPMorgan Chase Bank, National Association | 183 | $3,732 | 6.625% |
What lenders charged here
Lender fees on a $145,000 loan, based on what was actually charged in Stark County — not a rule of thumb.
From 5,812 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