Mortgage lending in Cincinnati, OH-KY-IN
59,908 mortgages were originated in the Cincinnati, OH-KY-IN area in 2025, and here is what they cost.
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
- 59,908
- Median rate
- 6.750%
- Median lender fees
- $4,460
- Median loan amount
- $205,000
- Median spread over APOR
- 0.332
- Paid discount points
- 31.5%
- Received lender credits
- 23.1%
- Purchases / refinances
- 47.5% / 30.4%
- Conventional / FHA / VA
- 82.2% / 12% / 5.5%
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 66.4% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Cincinnati, OH-KY-IN area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Fifth Third Bank, National Association | 4,590 | $2,806 | 7.590% |
| Rocket Mortgage, LLC | 2,992 | $5,247 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,966 | $7,166 | 6.490% |
| The Huntington National Bank | 2,603 | $3,607 | 7.125% |
| Union Savings Bank | 2,465 | $1,128 | 6.750% |
| U.S. Bank National Association | 1,737 | $3,439 | 7.650% |
| First Financial Bank | 1,630 | $3,489 | 5.990% |
| CROSSCOUNTRY MORTGAGE, INC. | 1,534 | $6,179 | 6.750% |
| Guardian Savings Bank | 1,515 | $1,340 | 6.750% |
| PNC Bank, National Association | 1,411 | $4,174 | 7.750% |