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

Across 622 closed home-purchase loans in 2025, the median interest rate in Erie was 6.625%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $5,024 on a median loan of $205,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.25%–6.875%
Median total loan costs: $5,024
Median loan amount: $205,000

622 loans, 2025.

Refinance

Median rate: 6.375%
Middle half of rates: 5.95%–6.99%
Median total loan costs: $5,598
Median loan amount: $170,000

298 loans, 2025.

Lowest median rates in Erie (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.Civista Bank6.375%91 loans, median costs $3,876
2.UNION HOME MORTGAGE CORP.6.688%66 loans, median costs $7,919
3.Rocket Mortgage, LLC6.75%35 loans, median costs $7,515

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

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.75%21 loans, median costs $9,381
2.UNION HOME MORTGAGE CORP.5.875%21 loans, median costs $5,026
3.KeyBank National Association6.188%12 loans, median costs $3,695
4.Rocket Mortgage, LLC6.25%46 loans, median costs $7,229
5.CROSSCOUNTRY MORTGAGE, INC.6.25%11 loans, median costs $6,947

Among lenders with at least 10 closed refinance loans in Erie County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.

Lender by lender in Erie

Every lender that closed at least 5 qualifying loans in Erie 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	Civista Bank	91	6.375%	$3,876	$950	$370
2	UNION HOME MORTGAGE CORP.	66	6.688%	$7,919	$3,803	$2,934
3	Rocket Mortgage, LLC	35	6.75%	$7,515	$3,829	$3,172
4	CROSSCOUNTRY MORTGAGE, INC.	28	6.75%	$7,570	$2,764	$2,361
5	The Huntington National Bank	23	6.5%	$4,628	$1,517	$537
6	YOUR HOME FINANCIAL LLC	22	6.812%	$5,616	$2,254	$1,112
7	Fifth Third Bank, National Association	17	6.5%	$4,784	$1,556	$1,018
8	Mortgage Research Center, LLC	16	6.375%	$4,497	$148	$1,399
9	KeyBank National Association	16	6.5%	$4,327	$1,295	$527
10	UNION CAPITAL MORTGAGE CORPORATION	14	6.562%	$7,842	$2,798	$786
11	First Federal Bank of Ohio	13	n/a	n/a	n/a	n/a
12	Loandepot.Com, LLC	12	6.812%	$7,339	$2,766	$1,736
13	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	12	6.5%	$7,153	$2,460	$2,942
14	K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.	11	6.125%	$3,829	$450	$6,582
15	Fairway Independent Mortgage Corporation	11	6.375%	$4,628	$1,664	$1,343
16	RELIANCE FIRST CAPITAL, LLC	11	6.75%	$4,587	$832	$1,555
17	U.S. Bank National Association	10	6.495%	$3,818	$1,245	$202
18	Third Federal Savings and Loan Association of Cleveland	9	6.54%	$3,988	$1,400	n/a
19	WesBanco Bank, Inc.	9	6.25%	$7,554	$3,195	$1,713
20	First Federal Savings of Lorain	8	6.625%	$5,187	$1,191	$2,800
21	PLAZA HOME MORTGAGE, INC.broker only	7	6.25%	$8,679	$2,007	$847
22	VACATIONLAND FEDERAL CREDIT UNION	6	6.812%	$3,951	$826	$478
23	HOWARD HANNA FINANCIAL SERVICES, INC.	6	6.375%	$5,432	$2,471	$1,028
24	NORTHERN MORTGAGE SERVICES, LLC	6	6.5%	$4,046	$833	$1,441
25	The Genoa Banking Company	6	n/a	n/a	n/a	n/a
26	RUOFF MORTGAGE COMPANY, INC.	6	6.688%	$4,378	$1,780	$2,143
27	Synergy One Lending, Inc.	5	7.125%	$5,321	$2,618	$943
28	Click n' Close, Inc.	5	6.25%	$5,059	$4,433	$2,554
29	The Croghan Colonial Bank	5	n/a	n/a	n/a	n/a
30	NFM, INC.	5	6.625%	$7,408	$2,206	$607
31	Dollar Bank, Federal Savings Bank	5	6.25%	$4,344	$1,475	$496
32	SCHUMACHER MORTGAGE LLC	5	5.375%	$17,245	$12,412	$8,523
33	PNC Bank, National Association	5	6.875%	$3,728	$1,190	n/a
34	PENNYMAC LOAN SERVICES, LLC	5	6.499%	$4,905	$1,140	$427

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

Referral disclosure: this site may earn a fee if you request quotes through this link. A referral fee never changes the quotes you receive, and no lender or marketplace pays to appear in the data tables on this site or to be described a certain way.

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

Common questions

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

The median interest rate on closed home-purchase loans in Erie County, Ohio in 2025 was 6.625%, across 622 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% 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.