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

Across 10,000 closed home-purchase loans in 2025, the median interest rate in Cuyahoga was 6.575%, and the middle half of borrowers got between 6.24% and 6.875%. Median total loan costs ran $5,355 on a median loan of $225,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.575%
Middle half of rates: 6.24%–6.875%
Median total loan costs: $5,355
Median loan amount: $225,000

10,000 loans, 2025.

Refinance

Median rate: 6.49%
Middle half of rates: 5.99%–6.99%
Median total loan costs: $5,408
Median loan amount: $175,000

4,714 loans, 2025.

Lowest median rates in Cuyahoga (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.Bank of America, National Association5.75%65 loans, median costs $2,467
2.PULTE MORTGAGE LLC5.75%62 loans, median costs $4,082
3.Paramount Residential Mortgage Group, Inc.6.25%30 loans, median costs $7,729
4.Third Federal Savings and Loan Association of Cleveland6.29%710 loans, median costs $3,807
5.Fifth Third Bank, National Association6.375%289 loans, median costs $4,633

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

Refinance

1.CENTURY5.25%36 loans, median costs $0
2.Mortgage Research Center, LLC5.875%52 loans, median costs $3,642
3.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.99%269 loans, median costs $6,603
4.GoodLeap, LLC5.99%33 loans, median costs $9,105
5.PENNYMAC LOAN SERVICES, LLC5.999%106 loans, median costs $5,858

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

Lender by lender in Cuyahoga

Every lender that closed at least 5 qualifying loans in Cuyahoga 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.	1,215	6.75%	$7,481	$3,256	$2,492
2	Third Federal Savings and Loan Association of Cleveland	710	6.29%	$3,807	$1,095	n/a
3	The Huntington National Bank	606	6.612%	$4,800	$1,379	$1,010
4	Rocket Mortgage, LLC	587	6.5%	$5,978	$2,872	$2,710
5	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	453	6.5%	$6,758	$2,895	$1,429
6	HOWARD HANNA FINANCIAL SERVICES, INC.	448	6.625%	$5,376	$2,275	$1,119
7	First Federal Savings and Loan Association of Lakewood	307	6.45%	$4,599	$1,248	$428
8	Fifth Third Bank, National Association	289	6.375%	$4,633	$1,295	$632
9	Synergy One Lending, Inc.	269	6.625%	$7,913	$3,756	$2,518
10	JPMorgan Chase Bank, National Association	240	6.49%	$3,900	$809	$1,393
11	RUOFF MORTGAGE COMPANY, INC.	201	6.625%	$4,715	$1,390	$1,212
12	First National Bank of Pennsylvania	201	6.5%	$4,637	$1,325	$914
13	Mortgage Research Center, LLC	196	6.5%	$4,158	$0	$893
14	RELIANCE FIRST CAPITAL, LLC	196	6.75%	$5,082	$2,069	$1,137
15	UNION HOME MORTGAGE CORP.	195	6.875%	$6,738	$3,006	$1,455
16	Citizens Bank, National Association	180	6.375%	$5,296	$1,417	$1,056
17	GUARANTEED RATE, INC.	176	6.513%	$5,489	$2,213	$1,325
18	LIBERTY HOME MORTGAGE CORPORATION	172	6.75%	$7,637	$3,391	$2,747
19	UNION CAPITAL MORTGAGE CORPORATION	160	6.5%	$6,081	$2,469	$1,625
20	KeyBank National Association	151	6.5%	$4,617	$1,424	$464
21	PNC Bank, National Association	143	6.375%	$4,185	$1,305	$540
22	U.S. Bank National Association	117	6.5%	$4,543	$1,641	$609
23	AMERICAN PACIFIC MORTGAGE CORPORATION	102	6.99%	$8,945	$4,057	$2,682
24	Navy Federal Credit Union	96	6.375%	$3,225	$0	$1,688
25	Fairway Independent Mortgage Corporation	96	6.75%	$5,319	$1,389	$2,027
26	MUTUAL OF OMAHA MORTGAGE, INC.	92	6.625%	$6,472	$2,887	$2,746
27	Dollar Bank, Federal Savings Bank	89	6.5%	$3,956	$975	$663
28	NVR Mortgage Finance, Inc.	85	6.375%	$3,734	$1,492	$8,868
29	YOUR HOME FINANCIAL LLC	82	6.625%	$6,158	$2,884	$1,757
30	Nations Lending Corporation	73	6.75%	$5,212	$1,845	$2,116
31	ZILLOW HOME LOANS, LLC	73	6.5%	$4,636	$1,993	$1,172
32	Bank of America, National Association	65	5.75%	$2,467	$849	$3,635
33	PENNYMAC LOAN SERVICES, LLC	64	6.499%	$8,106	$2,758	$867
34	NFM, INC.	63	6.75%	$7,129	$3,674	$2,145
35	PULTE MORTGAGE LLC	62	5.75%	$4,082	$0	$10,391
36	Broker Solutions, Inc.	44	6.75%	$8,328	$2,787	$1,969
37	WesBanco Bank, Inc.	44	7%	$4,700	$1,695	$690
38	Skyrock Mortgage Corp	41	6.625%	$4,826	$1,490	$631
39	Ixonia Bank	37	6.75%	$9,217	$2,921	$1,424
40	GUILD MORTGAGE COMPANY	36	6.75%	$5,167	$1,915	$1,069

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 Cuyahoga County in 2025?

The median interest rate on closed home-purchase loans in Cuyahoga County, Ohio in 2025 was 6.575%, across 10,000 first-lien, owner-occupied loans. The middle half of borrowers got between 6.24% 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.