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

Across 2,680 closed home-purchase loans in 2025, the median interest rate in Lake was 6.625%, and the middle half of borrowers got between 6.24% and 6.875%. Median total loan costs ran $5,507 on a median loan of $215,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.24%–6.875%
Median total loan costs: $5,507
Median loan amount: $215,000

2,680 loans, 2025.

Refinance

Median rate: 6.5%
Middle half of rates: 5.99%–7.05%
Median total loan costs: $6,260
Median loan amount: $185,000

1,309 loans, 2025.

Lowest median rates in Lake (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.PULTE MORTGAGE LLC5.75%44 loans, median costs $1,094
2.K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.5.75%30 loans, median costs $6,849
3.NVR Mortgage Finance, Inc.6.125%97 loans, median costs $5,550
4.Third Federal Savings and Loan Association of Cleveland6.375%158 loans, median costs $3,904
5.First Federal Savings and Loan Association of Lakewood6.375%47 loans, median costs $5,049

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

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.998%83 loans, median costs $8,254
2.PENNYMAC LOAN SERVICES, LLC6.125%33 loans, median costs $7,172
3.CROSSCOUNTRY MORTGAGE, INC.6.24%81 loans, median costs $6,811
4.Rocket Mortgage, LLC6.25%187 loans, median costs $6,861
5.FREEDOM MORTGAGE CORPORATION6.25%48 loans, median costs $6,715

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

Lender by lender in Lake

Every lender that closed at least 5 qualifying loans in Lake 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.	546	6.75%	$6,807	$2,816	$1,464
2	The Huntington National Bank	174	6.625%	$4,573	$1,604	$650
3	Third Federal Savings and Loan Association of Cleveland	158	6.375%	$3,904	$1,095	n/a
4	Rocket Mortgage, LLC	144	6.625%	$5,953	$2,567	$2,342
5	HOWARD HANNA FINANCIAL SERVICES, INC.	108	6.625%	$5,429	$2,275	$822
6	NVR Mortgage Finance, Inc.	97	6.125%	$5,550	$2,260	$7,851
7	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	89	6.49%	$6,315	$2,886	$1,691
8	UNION HOME MORTGAGE CORP.	87	6.875%	$6,898	$3,407	$1,678
9	Synergy One Lending, Inc.	83	6.625%	$7,046	$3,571	$2,026
10	JPMorgan Chase Bank, National Association	72	6.49%	$3,177	$671	$1,166
11	Mortgage Research Center, LLC	59	6.625%	$5,037	$545	$667
12	Fifth Third Bank, National Association	54	6.562%	$4,735	$1,295	$596
13	LIBERTY HOME MORTGAGE CORPORATION	53	6.875%	$7,325	$2,990	$1,530
14	GUARANTEED RATE, INC.	52	6.5%	$5,739	$2,473	$1,140
15	RUOFF MORTGAGE COMPANY, INC.	51	6.75%	$4,798	$1,585	$913
16	First Federal Savings and Loan Association of Lakewood	47	6.375%	$5,049	$1,248	$1,108
17	PULTE MORTGAGE LLC	44	5.75%	$1,094	$0	$10,135
18	Citizens Bank, National Association	34	6.5%	$4,746	$1,658	$1,496
19	MUTUAL OF OMAHA MORTGAGE, INC.	31	6.75%	$6,601	$2,776	$1,560
20	PNC Bank, National Association	31	6.5%	$4,173	$1,300	$1,493
21	K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.	30	5.75%	$6,849	$550	$4,289
22	CARDINAL CREDIT UNION, INC.	25	6.75%	$4,437	$1,745	$461
23	Fairway Independent Mortgage Corporation	25	6.75%	$6,215	$1,680	$1,767
24	KeyBank National Association	23	6.25%	$4,606	$1,507	$459
25	ZILLOW HOME LOANS, LLC	22	6.688%	$5,768	$1,737	$1,529
26	Navy Federal Credit Union	21	6.25%	$3,138	$0	$2,599
27	U.S. Bank National Association	21	6.375%	$4,288	$1,368	$451
28	UNION CAPITAL MORTGAGE CORPORATION	18	6.625%	$5,562	$2,374	$1,950
29	AMERICAN PACIFIC MORTGAGE CORPORATION	18	7.125%	$7,899	$3,783	$2,087
30	Union Savings Bank	16	6.625%	$4,046	$250	$984
31	PENNYMAC LOAN SERVICES, LLC	16	6.624%	$6,207	$1,880	$2,362
32	Broker Solutions, Inc.	14	6.812%	$10,400	$4,471	$2,660
33	RELIANCE FIRST CAPITAL, LLC	14	6.5%	$6,405	$1,267	$4,489
34	NFM, INC.	12	6.75%	$6,809	$3,774	$1,944
35	WesBanco Bank, Inc.	12	6.5%	$7,242	$1,178	$857
36	Dollar Bank, Federal Savings Bank	11	6.5%	$4,221	$975	$588
37	First National Bank of Pennsylvania	11	6.25%	$4,382	$1,325	$605
38	First Commonwealth Bank	10	6.625%	$4,860	$1,524	$456
39	ARK-LA-TEX FINANCIAL SERVICES, LLC.	9	6.125%	$4,943	$1,073	$1,456
40	POLARIS HOME FUNDING CORP.	9	6.75%	$6,818	$3,138	$3,254

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 Lake figures above, in your browser, without storing anything.

Common questions

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

The median interest rate on closed home-purchase loans in Lake County, Ohio in 2025 was 6.625%, across 2,680 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.