Mortgage lending in Lima, OH
2,367 mortgages were originated in the Lima, 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
- 2,367
- Median rate
- 6.750%
- Median lender fees
- $4,381
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
- $125,000
- Above the going rate (spread over APOR)
- 0.471
- Paid discount points
- 26.5%
- Received lender credits
- 16%
- Purchases / refinances
- 49.6% / 24.5%
- Conventional / FHA / VA
- 81.4% / 12.7% / 5.3%
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 52.5% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Lima, OH area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Superior Credit Union, Inc. | 709 | $2,814 | 6.625% |
| The Union Bank Company | 119 | — | — |
| The Huntington National Bank | 111 | — | 7.840% |
| Rocket Mortgage, LLC | 102 | $6,248 | 6.750% |
| Loandepot.Com, LLC | 101 | $5,451 | 6.875% |
| The Citizens National Bank of Bluffton | 87 | $3,008 | 6.625% |
| The Federal Savings Bank | 81 | $4,775 | 6.625% |
| Superior Financial Solutions, LLC | 73 | $3,479 | 6.500% |
| The First National Bank of Pandora | 60 | — | — |
| Fifth Third Bank, National Association | 59 | — | 6.990% |