Mortgage lending in Union County
2,549 mortgages were originated in Union 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
- 2,549
- Median rate
- 6.625%
- Median lender fees
- $5,127
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
- $315,000
- Above the going rate (spread over APOR)
- 0.153
- Paid discount points
- 35.7%
- Received lender credits
- 28.1%
- Purchases / refinances
- 55.7% / 26.2%
- Conventional / FHA / VA
- 84.5% / 9.1% / 6.2%
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 73.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $591,100
- Median home price
- $514,000
- That home, 20% down
- $411,200
A median-priced home with 20% down leaves $421,550 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 Union County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Huntington National Bank | 246 | $5,935 | 7.315% |
| M/I Financial, LLC | 132 | $5,439 | 6.000% |
| Rocket Mortgage, LLC | 131 | $5,000 | 6.625% |
| United Shore Financial Services, LLC | 130 | $7,019 | 6.249% |
| Victory Mortgage, L.L.C. | 119 | $2,307 | 5.625% |
| Fifth Third Bank, National Association | 110 | $5,165 | 6.750% |
| Nfm, Inc. | 100 | $7,046 | 6.750% |
| Pulte Mortgage LLC | 91 | $1,045 | 5.750% |
| JPMorgan Chase Bank, National Association | 74 | $3,804 | 6.125% |
| HONDA Federal Credit Union | 67 | — | 7.250% |
What lenders charged here
Lender fees on a $315,000 loan, based on what was actually charged in Union County — not a rule of thumb.
From 1,864 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