Mortgage lending in Summit County
13,451 mortgages were originated in Summit 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
- 13,451
- Median rate
- 6.900%
- Median lender fees
- $4,950
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)
- 0.445
- Paid discount points
- 34.7%
- Received lender credits
- 19.9%
- Purchases / refinances
- 48.2% / 29.8%
- Conventional / FHA / VA
- 84.1% / 11.6% / 4.3%
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 62.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $235,000
- That home, 20% down
- $188,000
A median-priced home with 20% down leaves $644,750 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 Summit County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Huntington National Bank | 1,813 | $3,951 | 7.740% |
| Crosscountry Mortgage, Inc. | 999 | $7,096 | 6.875% |
| Rocket Mortgage, LLC | 923 | $5,231 | 6.750% |
| Third Federal Savings and Loan Association of Cleveland | 778 | $3,228 | 6.740% |
| Citizens Bank, National Association | 522 | $5,167 | 7.650% |
| Fifth Third Bank, National Association | 508 | $3,405 | 7.658% |
| PNC Bank, National Association | 451 | $4,251 | 7.650% |
| United Shore Financial Services, LLC | 433 | $7,150 | 6.599% |
| Fairway Independent Mortgage Corporation | 401 | $5,268 | 6.625% |
| JPMorgan Chase Bank, National Association | 256 | $3,532 | 6.563% |
What lenders charged here
Lender fees on a $145,000 loan, based on what was actually charged in Summit County — not a rule of thumb.
From 8,388 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