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

Across 2,007 closed home-purchase loans in 2025, the median interest rate in Medina was 6.575%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $5,638 on a median loan of $295,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.575%
Middle half of rates: 6.125%–6.875%
Median total loan costs: $5,638
Median loan amount: $295,000

2,007 loans, 2025.

Refinance

Median rate: 6.5%
Middle half of rates: 5.99%–7.04%
Median total loan costs: $6,153
Median loan amount: $230,000

1,054 loans, 2025.

Lowest median rates in Medina (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%47 loans, median costs $897
2.NVR Mortgage Finance, Inc.6.125%89 loans, median costs $6,533
3.Mortgage Research Center, LLC6.25%38 loans, median costs $5,614
4.Third Federal Savings and Loan Association of Cleveland6.353%128 loans, median costs $4,010
5.FIRST EQUITY MORTGAGE INCORPORATED6.375%52 loans, median costs $4,964

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

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.875%81 loans, median costs $7,421
2.Rocket Mortgage, LLC6.125%148 loans, median costs $7,751
3.CROSSCOUNTRY MORTGAGE, INC.6.245%52 loans, median costs $7,724
4.Fifth Third Bank, National Association6.72%46 loans, median costs $3,298
5.Citizens Bank, National Association6.9%31 loans, median costs $4,727

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

Lender by lender in Medina

Every lender that closed at least 5 qualifying loans in Medina 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.	232	6.75%	$7,977	$3,885	$3,167
2	Third Federal Savings and Loan Association of Cleveland	128	6.353%	$4,010	$1,095	n/a
3	The Huntington National Bank	121	6.625%	$4,589	$1,395	$630
4	NVR Mortgage Finance, Inc.	89	6.125%	$6,533	$1,931	$7,843
5	HOWARD HANNA FINANCIAL SERVICES, INC.	84	6.589%	$5,423	$2,275	$926
6	Rocket Mortgage, LLC	84	6.5%	$6,617	$3,956	$4,470
7	RUOFF MORTGAGE COMPANY, INC.	81	6.625%	$6,295	$2,123	$2,335
8	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	69	6.571%	$8,425	$2,982	$2,499
9	Fairway Independent Mortgage Corporation	53	6.625%	$5,726	$2,197	$2,110
10	FIRST EQUITY MORTGAGE INCORPORATED	52	6.375%	$4,964	$1,095	$4,540
11	Synergy One Lending, Inc.	47	6.625%	$6,795	$3,421	$2,194
12	PULTE MORTGAGE LLC	47	5.75%	$897	$0	$7,380
13	Fifth Third Bank, National Association	46	6.5%	$4,533	$1,295	$941
14	UNION HOME MORTGAGE CORP.	42	6.875%	$6,696	$3,162	$2,176
15	First Federal Savings and Loan Association of Lakewood	39	6.45%	$4,976	$1,248	$805
16	Mortgage Research Center, LLC	38	6.25%	$5,614	$0	$705
17	RELIANCE FIRST CAPITAL, LLC	35	6.875%	$4,923	$1,849	$1,750
18	GUILD MORTGAGE COMPANY	28	6.558%	$5,033	$1,922	$882
19	JPMorgan Chase Bank, National Association	27	6.625%	$4,112	$1,582	$1,370
20	YOUR HOME FINANCIAL LLC	25	6.625%	$7,392	$4,145	$2,850
21	PNC Bank, National Association	25	6.75%	$3,844	$1,190	$1,007
22	GUARANTEED RATE, INC.	24	6.612%	$4,585	$1,640	$773
23	Citizens Bank, National Association	23	6.375%	$5,342	$2,106	$1,337
24	Nations Lending Corporation	22	6.562%	$6,482	$1,824	$3,524
25	Westfield Bank, FSB	22	n/a	n/a	n/a	n/a
26	First National Bank of Pennsylvania	22	6.312%	$5,674	$2,000	$1,260
27	PENNYMAC LOAN SERVICES, LLC	22	6.499%	$6,050	$2,294	$2,172
28	LIBERTY HOME MORTGAGE CORPORATION	19	7%	$7,949	$4,023	$2,113
29	MUTUAL OF OMAHA MORTGAGE, INC.	17	6.625%	$7,890	$3,545	$4,423
30	U.S. Bank National Association	17	6.49%	$4,059	$1,254	$282
31	Navy Federal Credit Union	16	6%	$3,865	$0	$1,268
32	Farm Credit Mid-America	16	6.812%	$6,721	$4,975	$7,589
33	ZILLOW HOME LOANS, LLC	13	6.5%	$5,008	$1,972	$972
34	First Commonwealth Bank	13	6.625%	$6,354	$1,791	$1,073
35	KeyBank National Association	12	6.25%	$4,510	$1,361	$1,035
36	COAST ONE MORTGAGE LLC	10	6.5%	$6,104	$2,524	$1,800
37	Alcova Mortgage LLC	10	6.933%	$7,125	$3,184	$3,304
38	First Financial Bank	10	6.688%	$5,962	$1,945	$510
39	UNION CAPITAL MORTGAGE CORPORATION	9	6.75%	$6,880	$3,069	$1,407
40	Civista Bank	9	6.75%	$5,964	$950	$440

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

Common questions

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

The median interest rate on closed home-purchase loans in Medina County, Ohio in 2025 was 6.575%, across 2,007 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.