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

Across 2,793 closed home-purchase loans in 2025, the median interest rate in Clermont was 6.5%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $4,931 on a median loan of $285,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.125%–6.875%
Median total loan costs: $4,931
Median loan amount: $285,000

2,793 loans, 2025.

Refinance

Median rate: 6.25%
Middle half of rates: 5.875%–6.75%
Median total loan costs: $5,501
Median loan amount: $235,000

1,220 loans, 2025.

Lowest median rates in Clermont (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.DHI MORTGAGE COMPANY, LTD.4.99%87 loans, median costs $8,165
2.VICTORY MORTGAGE, L.L.C.5.875%218 loans, median costs $3,407
3.NVR Mortgage Finance, Inc.6.25%167 loans, median costs $7,757
4.Mortgage Research Center, LLC6.25%45 loans, median costs $4,020
5.M/I FINANCIAL, LLC6.25%32 loans, median costs $4,791

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

Refinance

1.PENNYMAC LOAN SERVICES, LLC5.99%31 loans, median costs $8,140
2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.997%142 loans, median costs $8,157
3.Rocket Mortgage, LLC6.25%163 loans, median costs $8,100
4.Union Savings Bank6.25%73 loans, median costs $790
5.FREEDOM MORTGAGE CORPORATION6.25%54 loans, median costs $5,894

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

Lender by lender in Clermont

Every lender that closed at least 5 qualifying loans in Clermont 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	VICTORY MORTGAGE, L.L.C.	218	5.875%	$3,407	$850	$6,008
2	NVR Mortgage Finance, Inc.	167	6.25%	$7,757	$4,325	$7,387
3	CROSSCOUNTRY MORTGAGE, INC.	141	6.75%	$7,270	$3,501	$3,356
4	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	125	6.499%	$7,109	$2,827	$1,710
5	Union Savings Bank	103	6.625%	$1,494	$500	$911
6	DHI MORTGAGE COMPANY, LTD.	87	4.99%	$8,165	$0	$1,856
7	Rocket Mortgage, LLC	78	6.49%	$5,966	$2,480	$2,029
8	Fairway Independent Mortgage Corporation	77	6.875%	$6,753	$3,695	$2,017
9	RAPID MORTGAGE COMPANY	70	6.812%	$7,650	$3,997	$2,632
10	The Huntington National Bank	69	6.5%	$4,158	$1,295	$1,325
11	RiverHills Bank	65	6.625%	$3,538	$1,092	$764
12	Guardian Savings Bank	64	6.625%	$1,759	$500	$2,400
13	UNION HOME MORTGAGE CORP.	59	6.625%	$6,112	$2,135	$1,028
14	GUARANTEED RATE AFFINITY, LLC	58	6.688%	$5,077	$2,038	$1,302
15	FIRST COMMUNITY MORTGAGE, INC.	56	6.812%	$6,722	$3,843	$2,319
16	21st Mortgage Corporation	56	11.355%	n/a	n/a	n/a
17	Fifth Third Bank, National Association	52	6.625%	$3,486	$1,295	$324
18	Mortgage Research Center, LLC	45	6.25%	$4,020	$0	$1,292
19	Third Federal Savings and Loan Association of Cleveland	40	6.5%	$3,246	$700	n/a
20	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	39	6.625%	$6,409	$2,658	$1,860
21	U.S. Bank National Association	37	6.625%	$4,339	$1,651	$772
22	DAS Acquisition Company, LLC	36	6.75%	$7,641	$3,131	$1,973
23	JPMorgan Chase Bank, National Association	34	6.49%	$2,957	$82	$1,541
24	The Park National Bank	33	6.999%	$4,261	$1,614	$292
25	NFM, INC.	33	6.875%	$9,951	$4,971	$4,135
26	GUARANTEED RATE, INC.	33	6.575%	$4,733	$2,430	$1,393
27	M/I FINANCIAL, LLC	32	6.25%	$4,791	$1,750	$8,154
28	Paramount Residential Mortgage Group, Inc.	31	6.75%	$6,565	$2,867	$1,473
29	RUOFF MORTGAGE COMPANY, INC.	29	6.75%	$4,074	$1,380	$409
30	LCNB National Bank	22	6.375%	$3,371	$1,045	$600
31	FIRST EQUITY MORTGAGE INCORPORATED	21	5.99%	$5,049	$1,095	$3,307
32	PRIMELENDING, A PLAINSCAPITAL COMPANY	19	6.875%	$5,692	$2,923	$1,538
33	TRIAD FINANCIAL SERVICES, INC.	19	8.49%	n/a	n/a	n/a
34	SUPERIOR CREDIT UNION, INC.	18	6.375%	$3,262	$810	$319
35	BAYSHORE MORTGAGE FUNDING, LLC	18	6.625%	$4,377	$1,495	$908
36	Navy Federal Credit Union	17	6%	$2,741	$0	$1,426
37	EMM LOANS LLC	17	6.5%	$10,274	$3,509	$2,160
38	Warsaw Federal Savings and Loan Association	17	6.575%	$4,181	$1,248	$270
39	EQUITY RESOURCES, INC.	15	6.625%	$3,699	$1,270	$240
40	STOCKTON MORTGAGE CORPORATION	15	6.875%	$4,858	$1,890	$1,863

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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Common questions

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

The median interest rate on closed home-purchase loans in Clermont County, Ohio in 2025 was 6.5%, across 2,793 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.875%.

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.