What people paid for mortgages in Delaware County, OH (2025)
Across 3,188 closed home-purchase loans in 2025, the median interest rate in Delaware was 6.375%, and the middle half of borrowers got between 5.875% and 6.75%. Median total loan costs ran $5,148 on a median loan of $445,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.375%
- Middle half of rates
- 5.875%–6.75%
- Median total loan costs
- $5,148
- Median loan amount
- $445,000
3,188 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $4,989
- Median loan amount
- $385,000
1,374 loans, 2025.
Lowest median rates in Delaware (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.4.5%93 loans, median costs $9,855
- 2.PULTE MORTGAGE LLC5.5%276 loans, median costs $1,233
- 3.VICTORY MORTGAGE, L.L.C.5.5%30 loans, median costs $2,254
- 4.WRIGHT-PATT CREDIT UNION, INC.5.75%49 loans, median costs $4,460
- 5.M/I FINANCIAL, LLC5.875%254 loans, median costs $5,118
Among lenders with at least 30 closed purchase loans in Delaware County in 2025.
Refinance
- 1.Rocket Mortgage, LLC5.99%131 loans, median costs $8,386
- 2.JPMorgan Chase Bank, National Association5.99%76 loans, median costs $2,777
- 3.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%206 loans, median costs $6,431
- 4.UNION HOME MORTGAGE CORP.6.125%40 loans, median costs $4,707
- 5.NFM, INC.6.125%30 loans, median costs $6,397
Among lenders with at least 30 closed refinance loans in Delaware County in 2025.
Lender by lender in Delaware
Every lender that closed at least 5 qualifying loans in Delaware 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 | PULTE MORTGAGE LLC | 276 | 5.5% | $1,233 | $0 | $10,258 |
| 2 | M/I FINANCIAL, LLC | 254 | 5.875% | $5,118 | $1,950 | $7,877 |
| 3 | NFM, INC. | 189 | 6.625% | $7,929 | $4,492 | $4,477 |
| 4 | NVR Mortgage Finance, Inc. | 174 | 6.125% | $4,653 | $2,955 | $13,025 |
| 5 | JPMorgan Chase Bank, National Association | 115 | 6.24% | $4,269 | $1,570 | $2,176 |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 107 | 6.579% | $5,087 | $1,890 | $1,729 |
| 7 | The Huntington National Bank | 106 | 6.6% | $5,378 | $1,420 | $2,048 |
| 8 | UNION HOME MORTGAGE CORP. | 106 | 6.625% | $7,095 | $3,149 | $3,098 |
| 9 | DHI MORTGAGE COMPANY, LTD. | 93 | 4.5% | $9,855 | $0 | $9,284 |
| 10 | LOWER, LLC | 80 | 6.75% | $7,795 | $3,871 | $3,669 |
| 11 | Union Savings Bank | 77 | 6.75% | $3,999 | $500 | $1,811 |
| 12 | Fifth Third Bank, National Association | 76 | 6.125% | $5,651 | $1,993 | $4,739 |
| 13 | Rocket Mortgage, LLC | 73 | 6.625% | $6,505 | $3,000 | $3,277 |
| 14 | CROSSCOUNTRY MORTGAGE, INC. | 70 | 6.625% | $8,578 | $4,693 | $4,668 |
| 15 | First Financial Bank | 68 | 6.625% | $5,142 | $1,435 | $823 |
| 16 | GUARANTEED RATE, INC. | 59 | 6.125% | $8,661 | $4,685 | $4,360 |
| 17 | Third Federal Savings and Loan Association of Cleveland | 56 | 6.44% | $2,907 | $1,050 | n/a |
| 18 | WRIGHT-PATT CREDIT UNION, INC. | 49 | 5.75% | $4,460 | $434 | $924 |
| 19 | THE EQUITABLE MORTGAGE CORPORATION | 48 | 6.625% | $4,570 | $1,495 | $4,180 |
| 20 | DEVELOPER'S MORTGAGE COMPANY | 38 | 6.625% | $4,063 | $300 | $6,444 |
| 21 | The State Bank and Trust Company | 34 | 6.438% | $5,188 | $975 | $6,860 |
| 22 | VICTORY MORTGAGE, L.L.C. | 30 | 5.5% | $2,254 | $850 | $18,522 |
| 23 | PNC Bank, National Association | 30 | 6.375% | $3,616 | $1,678 | $1,026 |
| 24 | T2 FINANCIAL LLC | 29 | 6.75% | $5,372 | $1,880 | $3,402 |
| 25 | Civista Bank | 29 | 6.5% | $4,944 | $950 | $1,030 |
| 26 | PROVIDENT FUNDING ASSOCIATES, L.P. | 28 | 6.5% | $4,493 | $1,125 | $1,207 |
| 27 | WesBanco Bank, Inc. | 24 | 6.375% | $7,634 | $2,295 | $8,425 |
| 28 | PENNYMAC LOAN SERVICES, LLC | 24 | 6.561% | $7,011 | $2,860 | $2,154 |
| 29 | First Merchants Bank | 24 | 6.375% | $5,568 | $2,010 | $757 |
| 30 | Mortgage Research Center, LLC | 22 | 5.938% | $8,997 | $1,630 | $1,283 |
| 31 | RUOFF MORTGAGE COMPANY, INC. | 22 | 6.875% | $5,680 | $1,886 | $2,058 |
| 32 | U.S. Bank National Association | 22 | 6.375% | $4,186 | $1,245 | $1,139 |
| 33 | Fairway Independent Mortgage Corporation | 20 | 6.688% | $5,755 | $2,692 | $2,815 |
| 34 | First Commonwealth Bank | 19 | 6.625% | $4,894 | $1,395 | $1,110 |
| 35 | GO MORTGAGE, LLC | 18 | 6.75% | $8,640 | $4,412 | $4,327 |
| 36 | GUARANTEED RATE AFFINITY, LLC | 18 | 6.625% | $4,906 | $1,640 | $5,221 |
| 37 | HOWARD HANNA FINANCIAL SERVICES, INC. | 17 | 6.75% | $4,961 | $2,275 | $551 |
| 38 | EQUITY RESOURCES, INC. | 17 | 6.5% | $3,580 | $1,270 | $4,179 |
| 39 | German American Bank | 16 | 6.375% | $4,822 | $1,050 | $7,669 |
| 40 | MUTUAL OF OMAHA MORTGAGE, INC. | 16 | 6.49% | $6,445 | $2,482 | $2,328 |
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.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Delaware figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Delaware County in 2025?
The median interest rate on closed home-purchase loans in Delaware County, Ohio in 2025 was 6.375%, across 3,188 first-lien, owner-occupied loans. The middle half of borrowers got between 5.875% and 6.75%.
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.