Mortgage lending in Cleveland, OH
53,054 mortgages were originated in the Cleveland, OH 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
- 53,054
- Median rate
- 6.875%
- Median lender fees
- $5,048
- Median loan amount
- $155,000
- Median spread over APOR
- 0.370
- Paid discount points
- 32.5%
- Received lender credits
- 20.5%
- Purchases / refinances
- 46% / 31.2%
- Conventional / FHA / VA
- 83.8% / 11.1% / 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 60.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Cleveland, OH area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Huntington National Bank | 5,785 | $4,386 | 7.590% |
| Third Federal Savings and Loan Association of Cleveland | 4,121 | $3,198 | 6.740% |
| Rocket Mortgage, LLC | 3,632 | $5,347 | 6.750% |
| CROSSCOUNTRY MORTGAGE, INC. | 3,541 | $7,117 | 6.750% |
| Citizens Bank, National Association | 2,228 | $4,864 | 7.400% |
| Fifth Third Bank, National Association | 2,137 | $4,018 | 7.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,936 | $6,795 | 6.569% |
| PNC Bank, National Association | 1,815 | $4,159 | 8.100% |
| Dollar Bank, Federal Savings Bank | 1,032 | — | 6.740% |
| KeyBank National Association | 922 | $3,379 | 6.410% |