Mortgage lending in Wood County
2,998 mortgages were originated in Wood 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
- 2,998
- Median rate
- 6.990%
- Median lender fees
- $4,702
- Median loan amount
- $165,000
- Median spread over APOR
- 0.490
- Paid discount points
- 29.7%
- Received lender credits
- 21.2%
- Purchases / refinances
- 46.7% / 28.4%
- Conventional / FHA / VA
- 85.9% / 8.5% / 5.4%
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 60.3% 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 Wood County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Huntington National Bank | 553 | $4,356 | 7.640% |
| Fifth Third Bank, National Association | 217 | $4,063 | 7.750% |
| Rocket Mortgage, LLC | 177 | $5,212 | 6.875% |
| UNION HOME MORTGAGE CORP. | 111 | $7,159 | 6.750% |
| Loandepot.Com, LLC | 104 | $6,054 | 6.600% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 97 | $5,095 | 6.625% |
| SUN Federal Credit Union | 87 | — | 7.750% |
| Directions Credit Union, Inc. | 85 | — | 7.000% |
| WesBanco Bank, Inc. | 77 | — | 6.750% |
| The Genoa Banking Company | 65 | — | — |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Wood County — not a rule of thumb.
From 1,807 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