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

Across 3,797 closed home-purchase loans in 2025, the median interest rate in Lorain was 6.5%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $5,335 on a median loan of $245,000. 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: $5,335
Median loan amount: $245,000

3,797 loans, 2025.

Refinance

Median rate: 6.375%
Middle half of rates: 5.875%–6.99%
Median total loan costs: $5,880
Median loan amount: $195,000

1,758 loans, 2025.

Lowest median rates in Lorain (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 LLC5.99%178 loans, median costs $2,546
2.K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.5.99%55 loans, median costs $5,638
3.UNION CAPITAL MORTGAGE CORPORATION6.188%38 loans, median costs $5,968
4.NVR Mortgage Finance, Inc.6.25%294 loans, median costs $3,937
5.Mortgage Research Center, LLC6.312%78 loans, median costs $5,127

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

Refinance

1.Rocket Mortgage, LLC5.99%293 loans, median costs $7,312
2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.99%113 loans, median costs $8,064
3.PENNYMAC LOAN SERVICES, LLC5.99%67 loans, median costs $7,365
4.CROSSCOUNTRY MORTGAGE, INC.6.125%92 loans, median costs $5,880
5.Loandepot.Com, LLC6.125%42 loans, median costs $7,696

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

Lender by lender in Lorain

Every lender that closed at least 5 qualifying loans in Lorain 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.	342	6.75%	$7,951	$3,552	$2,736
2	NVR Mortgage Finance, Inc.	294	6.25%	$3,937	$1,850	$9,018
3	Rocket Mortgage, LLC	212	6.625%	$5,472	$2,352	$1,982
4	The Huntington National Bank	186	6.5%	$4,664	$1,428	$680
5	Third Federal Savings and Loan Association of Cleveland	183	6.39%	$3,951	$1,095	n/a
6	PULTE MORTGAGE LLC	178	5.99%	$2,546	$0	$7,876
7	RUOFF MORTGAGE COMPANY, INC.	145	6.625%	$4,328	$1,055	$1,063
8	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	143	6.5%	$6,459	$2,155	$1,714
9	UNION HOME MORTGAGE CORP.	125	6.625%	$6,265	$2,379	$1,553
10	HOWARD HANNA FINANCIAL SERVICES, INC.	113	6.625%	$5,588	$2,275	$504
11	Fifth Third Bank, National Association	109	6.5%	$4,623	$1,295	$696
12	NORTHERN MORTGAGE SERVICES, LLC	79	6.5%	$4,540	$235	$1,276
13	Mortgage Research Center, LLC	78	6.312%	$5,127	$0	$766
14	FIRST EQUITY MORTGAGE INCORPORATED	68	6.495%	$4,688	$1,095	$4,053
15	First National Bank of Pennsylvania	65	6.375%	$4,768	$1,325	$712
16	Dollar Bank, Federal Savings Bank	58	6.625%	$4,677	$1,475	$897
17	Synergy One Lending, Inc.	56	6.625%	$8,329	$3,876	$2,429
18	YOUR HOME FINANCIAL LLC	56	6.625%	$6,031	$2,803	$2,199
19	JPMorgan Chase Bank, National Association	56	6.375%	$4,622	$1,546	$1,402
20	K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.	55	5.99%	$5,638	$550	$4,422
21	PNC Bank, National Association	46	6.562%	$4,468	$1,588	$747
22	Fairway Independent Mortgage Corporation	45	6.99%	$6,470	$2,302	$2,010
23	First Federal Savings and Loan Association of Lakewood	41	6.575%	$4,879	$1,248	$548
24	Citizens Bank, National Association	40	6.375%	$4,720	$1,365	$444
25	UNION CAPITAL MORTGAGE CORPORATION	38	6.188%	$5,968	$2,735	$1,444
26	LIBERTY HOME MORTGAGE CORPORATION	31	6.75%	$7,380	$3,355	$1,593
27	AMERICAN PACIFIC MORTGAGE CORPORATION	31	6.875%	$8,525	$4,506	$3,151
28	21st Mortgage Corporation	31	10.57%	n/a	n/a	n/a
29	PENNYMAC LOAN SERVICES, LLC	31	6.499%	$6,580	$1,908	$1,460
30	MUTUAL OF OMAHA MORTGAGE, INC.	30	6.688%	$7,429	$3,503	$3,500
31	U.S. Bank National Association	30	6.49%	$4,368	$1,442	$704
32	KeyBank National Association	28	6.5%	$4,623	$1,427	$487
33	PRIMARY RESIDENTIAL MORTGAGE, INC.	26	6.5%	$7,985	$3,549	$2,770
34	Navy Federal Credit Union	25	6.25%	$3,644	$0	$6,156
35	First Federal Savings of Lorain	24	6.438%	$5,089	$1,145	$2,682
36	ZILLOW HOME LOANS, LLC	22	6.875%	$4,946	$2,000	$1,469
37	Civista Bank	21	6.375%	$5,122	$1,480	$546
38	Nations Lending Corporation	20	6.75%	$5,607	$1,897	$1,948
39	NFM, INC.	19	6.875%	$6,488	$3,657	$1,643
40	GUARANTEED RATE, INC.	19	6.625%	$5,984	$1,640	$1,798

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

Common questions

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

The median interest rate on closed home-purchase loans in Lorain County, Ohio in 2025 was 6.5%, across 3,797 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.