Mortgage lending in Youngstown-Warren, OH
9,634 mortgages were originated in the Youngstown-Warren, 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
- 9,634
- Median rate
- 6.940%
- Median lender fees
- $4,829
- Median loan amount
- $115,000
- Median spread over APOR
- 0.531
- Paid discount points
- 35.3%
- Received lender credits
- 20.5%
- Purchases / refinances
- 45.3% / 29.6%
- Conventional / FHA / VA
- 78.8% / 14.4% / 6.2%
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 61.4% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Youngstown-Warren, OH area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Huntington National Bank | 1,361 | $3,956 | 7.740% |
| Seven Seventeen Credit Union | 1,239 | $3,106 | 7.000% |
| Ixonia Bank | 689 | $6,973 | 6.875% |
| Rocket Mortgage, LLC | 587 | $5,217 | 6.750% |
| The Farmers National Bank of Canfield | 552 | $3,773 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 433 | $5,880 | 6.375% |
| CROSSCOUNTRY MORTGAGE, INC. | 397 | $7,120 | 6.875% |
| WesBanco Bank, Inc. | 335 | $4,170 | 6.375% |
| First National Bank of Pennsylvania | 257 | — | 6.490% |
| JPMorgan Chase Bank, National Association | 202 | $3,431 | 6.625% |