Mortgage lending in Springfield, OH
3,309 mortgages were originated in the Springfield, 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
- 3,309
- Median rate
- 6.875%
- Median lender fees
- $4,730
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
- $145,000
- Above the going rate (spread over APOR)
- 0.500
- Paid discount points
- 36.5%
- Received lender credits
- 22.2%
- Purchases / refinances
- 51.4% / 29.5%
- Conventional / FHA / VA
- 72.3% / 16.7% / 10.1%
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 68.3% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Springfield, OH area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Wright-Patt Credit Union, Inc. | 412 | $3,195 | 7.500% |
| Rocket Mortgage, LLC | 236 | $5,582 | 6.500% |
| Crosscountry Mortgage, Inc. | 217 | $5,997 | 6.825% |
| The Huntington National Bank | 205 | $2,986 | 7.525% |
| The Park National Bank | 133 | — | 7.125% |
| WesBanco Bank, Inc. | 103 | — | 6.000% |
| PNC Bank, National Association | 97 | — | 7.440% |
| Loandepot.Com, LLC | 95 | $5,114 | 6.750% |
| Fifth Third Bank, National Association | 92 | — | 7.500% |
| United Shore Financial Services, LLC | 92 | $6,624 | 6.309% |