Mortgage lending in Toledo, OH
12,850 mortgages were originated in the Toledo, 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
- 12,850
- Median rate
- 6.990%
- Median lender fees
- $4,698
- Median loan amount
- $135,000
- Median spread over APOR
- 0.530
- Paid discount points
- 31%
- Received lender credits
- 20.5%
- Purchases / refinances
- 48.9% / 27.3%
- Conventional / FHA / VA
- 84.2% / 10.7% / 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 60.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Toledo, OH area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Huntington National Bank | 1,857 | $4,279 | 7.590% |
| Fifth Third Bank, National Association | 956 | $3,239 | 7.750% |
| Rocket Mortgage, LLC | 797 | $5,345 | 6.750% |
| UNION HOME MORTGAGE CORP. | 594 | $6,011 | 6.875% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 585 | $5,345 | 6.870% |
| Citizens Bank, National Association | 486 | $4,907 | 7.650% |
| Directions Credit Union, Inc. | 480 | $3,289 | 6.800% |
| SUN Federal Credit Union | 333 | — | 7.625% |
| KeyBank National Association | 309 | $4,141 | 6.500% |
| EQUITY RESOURCES, INC. | 291 | $4,565 | 6.625% |