What people paid for mortgages in Clark County, OH (2025)

Across 1,414 closed home-purchase loans in 2025, the median interest rate in Clark was 6.625%, and the middle half of borrowers got between 6.214% and 6.99%. Median total loan costs ran $5,367 on a median loan of $195,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.214%–6.99%
Median total loan costs: $5,367
Median loan amount: $195,000

1,414 loans, 2025.

Refinance

Median rate: 6.375%
Middle half of rates: 5.99%–6.99%
Median total loan costs: $5,448
Median loan amount: $165,000

665 loans, 2025.

Lowest median rates in Clark (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.VANDERBILT MORTGAGE AND FINANCE, INC.5.49%55 loans, median costs $9,441
2.WRIGHT-PATT CREDIT UNION, INC.6.125%139 loans, median costs $3,802
3.Mortgage Research Center, LLC6.25%52 loans, median costs $3,186
4.WesBanco Bank, Inc.6.375%33 loans, median costs $5,561
5.Rocket Mortgage, LLC6.49%65 loans, median costs $6,772

Among lenders with at least 30 closed purchase loans in Clark County in 2025.

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.75%43 loans, median costs $7,080
2.PENNYMAC LOAN SERVICES, LLC5.99%31 loans, median costs $6,665
3.Rocket Mortgage, LLC6.188%114 loans, median costs $6,418
4.FREEDOM MORTGAGE CORPORATION6.25%42 loans, median costs $5,800
5.WRIGHT-PATT CREDIT UNION, INC.6.5%45 loans, median costs $1,216

Among lenders with at least 30 closed refinance loans in Clark County in 2025.

Lender by lender in Clark

Every lender that closed at least 5 qualifying loans in Clark County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	CROSSCOUNTRY MORTGAGE, INC.	176	6.85%	$6,185	$1,690	$1,464
2	WRIGHT-PATT CREDIT UNION, INC.	139	6.125%	$3,802	$200	$424
3	Rocket Mortgage, LLC	65	6.49%	$6,772	$2,749	$2,629
4	The Huntington National Bank	57	6.625%	$4,045	$1,501	$636
5	VANDERBILT MORTGAGE AND FINANCE, INC.	55	5.49%	$9,441	$1,495	$4,683
6	PRIMELENDING, A PLAINSCAPITAL COMPANY	55	6.75%	$6,843	$2,097	$913
7	Loandepot.Com, LLC	54	6.75%	$5,488	$1,813	$718
8	Mortgage Research Center, LLC	52	6.25%	$3,186	$0	$831
9	Union Savings Bank	42	6.75%	$3,279	$500	$1,627
10	FIRST COMMUNITY MORTGAGE, INC.	38	6.625%	$6,758	$3,181	$2,437
11	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	37	6.625%	$5,480	$1,395	$1,106
12	NFM, INC.	33	6.875%	$8,303	$3,804	$2,177
13	WesBanco Bank, Inc.	33	6.375%	$5,561	$2,044	$453
14	New Carlisle Federal Savings Bank	29	n/a	n/a	n/a	n/a
15	The Park National Bank	29	6.75%	$3,999	$1,614	$2,758
16	Cornerstone First Mortgage, Inc	25	6.875%	$6,133	$3,101	$1,561
17	DAS Acquisition Company, LLC	21	6.625%	$7,408	$2,500	$1,065
18	UNION HOME MORTGAGE CORP.	18	6.75%	$5,616	$2,317	$2,474
19	Fifth Third Bank, National Association	18	6.933%	$4,496	$1,295	$651
20	PENNYMAC LOAN SERVICES, LLC	18	6.499%	$5,542	$1,395	$1,204
21	DHI MORTGAGE COMPANY, LTD.	17	5.125%	$7,101	$0	$4,891
22	Navy Federal Credit Union	15	6%	$3,225	$0	$990
23	GUARANTEED RATE, INC.	15	6.5%	$6,095	$1,640	$1,794
24	Broker Solutions, Inc.	14	6.688%	$6,846	$2,781	$1,967
25	JPMorgan Chase Bank, National Association	14	6.433%	$4,582	$1,289	$1,827
26	PNC Bank, National Association	14	6.625%	$4,020	$1,422	$476
27	NEWREZ LLC	13	6.75%	$5,618	$388	$1,210
28	IH CREDIT UNION, INC.	12	n/a	n/a	n/a	n/a
29	LOWER, LLC	12	6.933%	$7,439	$1,655	$4,179
30	Texana Bank, National Association	10	6.688%	$4,912	$1,995	$821
31	U.S. Bank National Association	10	6.562%	$3,790	$1,576	$475
32	HOWARD HANNA FINANCIAL SERVICES, INC.	9	6.375%	$7,558	$2,125	$2,948
33	ZILLOW HOME LOANS, LLC	9	6.625%	$4,605	$2,750	$2,454
34	TRIAD FINANCIAL SERVICES, INC.	9	8.5%	n/a	n/a	n/a
35	Fairway Independent Mortgage Corporation	9	6.875%	$7,538	$4,048	$1,963
36	NORTHERN MORTGAGE SERVICES, LLC	8	6.99%	$3,345	$0	$486
37	VICTORY MORTGAGE, L.L.C.	8	5.875%	$3,458	$850	$5,418
38	Day Air Credit Union, Inc.	7	6.125%	$3,124	$525	n/a
39	Paramount Residential Mortgage Group, Inc.	7	6.125%	$9,539	$1,920	$700
40	POLARIS HOME FUNDING CORP.	6	6.625%	$10,688	$5,139	$4,639

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

Request quotes on LendingTree

What happens after you submit

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Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Clark figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in Clark County in 2025?

The median interest rate on closed home-purchase loans in Clark County, Ohio in 2025 was 6.625%, across 1,414 first-lien, owner-occupied loans. The middle half of borrowers got between 6.214% and 6.99%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.