Mortgage lending in Sandusky, OH
2,676 mortgages were originated in the Sandusky, 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
- 2,676
- Median rate
- 6.875%
- Median lender fees
- $4,709
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)
- 0.440
- Paid discount points
- 32.7%
- Received lender credits
- 21.1%
- Purchases / refinances
- 48.1% / 29.3%
- Conventional / FHA / VA
- 83.4% / 11.4% / 4.9%
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 62.5% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Sandusky, OH area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Civista Bank | 322 | $3,980 | 7.000% |
| The Huntington National Bank | 295 | $4,045 | 7.500% |
| Rocket Mortgage, LLC | 206 | $5,930 | 6.875% |
| Union Home Mortgage Corp. | 135 | $6,600 | 6.875% |
| Fifth Third Bank, National Association | 107 | $4,097 | 7.490% |
| The Genoa Banking Company | 89 | — | — |
| U.S. Bank National Association | 70 | — | 7.000% |
| Crosscountry Mortgage, Inc. | 65 | $7,249 | 6.875% |
| KeyBank National Association | 63 | — | 6.875% |
| PNC Bank, National Association | 60 | — | 7.400% |