Mortgage lending in Wayne County
2,303 mortgages were originated in Wayne 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
- 2,303
- Median rate
- 6.875%
- Median lender fees
- $5,199
- Median loan amount
- $165,000
- Median spread over APOR
- 0.462
- Paid discount points
- 34.4%
- Received lender credits
- 17.6%
- Purchases / refinances
- 44.1% / 32.5%
- Conventional / FHA / VA
- 80.5% / 12.2% / 6.3%
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 58.7% 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 Wayne County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Huntington National Bank | 309 | $4,191 | 7.790% |
| The Farmers National Bank of Canfield | 211 | $3,999 | 6.500% |
| CROSSCOUNTRY MORTGAGE, INC. | 192 | $7,131 | 6.750% |
| Rocket Mortgage, LLC | 176 | $5,491 | 6.625% |
| PNC Bank, National Association | 149 | — | 7.310% |
| Main Street Bank Corp | 91 | — | — |
| UNION HOME MORTGAGE CORP. | 69 | $6,336 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 56 | $6,382 | 5.999% |
| The Commercial and Savings Bank of Millersburg, Ohio | 50 | — | — |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Wayne County — not a rule of thumb.
From 1,351 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