Mortgage lending in Union County
2,549 mortgages were originated in Union 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
- 2,549
- Median rate
- 6.625%
- Median lender fees
- $5,127
- Median loan amount
- $315,000
- Median 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
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 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, escrow and taxes are extra and are not in these figures. Compare two offers