Mortgage lending in Warren County
7,683 mortgages were originated in Warren 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
- 7,683
- Median rate
- 6.740%
- Median lender fees
- $4,499
- Median loan amount
- $255,000
- Median spread over APOR
- 0.250
- Paid discount points
- 32.5%
- Received lender credits
- 24.7%
- Purchases / refinances
- 45.3% / 32.8%
- Conventional / FHA / VA
- 84.5% / 8.7% / 6.6%
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 70.2% 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 Warren County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Fifth Third Bank, National Association | 571 | $2,668 | 7.500% |
| Union Savings Bank | 554 | $1,344 | 6.750% |
| The Huntington National Bank | 483 | $3,446 | 7.240% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 451 | $6,413 | 6.126% |
| Rocket Mortgage, LLC | 413 | $5,043 | 6.625% |
| WRIGHT-PATT CREDIT UNION, INC. | 320 | $3,453 | 7.250% |
| VICTORY MORTGAGE, L.L.C. | 184 | $3,842 | 6.000% |
| Third Federal Savings and Loan Association of Cleveland | 165 | $495 | 6.890% |
| U.S. Bank National Association | 163 | $3,457 | 7.400% |
| PNC Bank, National Association | 148 | — | 7.860% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Warren County — not a rule of thumb.
From 5,394 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