Mortgage lending in Dayton-Kettering-Beavercreek, OH
20,289 mortgages were originated in the Dayton-Kettering-Beavercreek, OH area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 20,289
- Median rate
- 6.750%
- Median lender fees
- $4,257
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $165,000
- Above the going rate (spread over APOR)
- 0.348
- Paid discount points
- 34.5%
- Received lender credits
- 23.7%
- Purchases / refinances
- 51.8% / 28.1%
- Conventional / FHA / VA
- 74.8% / 12.6% / 12.4%
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 71.4% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Dayton-Kettering-Beavercreek, OH area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Wright-Patt Credit Union, Inc. | 2,809 | $3,113 | 7.500% |
| Union Savings Bank | 1,459 | $1,490 | 6.625% |
| Fifth Third Bank, National Association | 1,265 | $2,764 | 7.750% |
| Rocket Mortgage, LLC | 1,064 | $5,556 | 6.625% |
| The Huntington National Bank | 883 | $3,799 | 6.875% |
| United Shore Financial Services, LLC | 648 | $6,699 | 6.126% |
| Day Air Credit Union, Inc. | 535 | $2,663 | 7.240% |
| Crosscountry Mortgage, Inc. | 488 | $5,868 | 6.875% |
| Mortgage Research Center, LLC | 459 | $4,608 | 6.250% |
| Cornerstone First Mortgage, Inc | 376 | $5,803 | 6.750% |