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

Across 1,327 closed home-purchase loans in 2025, the median interest rate in Miami was 6.5%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $4,908 on a median loan of $235,000. 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: $4,908
Median loan amount: $235,000

1,327 loans, 2025.

Refinance

Median rate: 6.25%
Middle half of rates: 5.875%–6.875%
Median total loan costs: $5,113
Median loan amount: $185,000

607 loans, 2025.

Lowest median rates in Miami (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.VANDERBILT MORTGAGE AND FINANCE, INC.5.625%64 loans, median costs $9,337
2.WRIGHT-PATT CREDIT UNION, INC.6.25%115 loans, median costs $3,566
3.NVR Mortgage Finance, Inc.6.25%46 loans, median costs $4,982
4.Mortgage Research Center, LLC6.25%34 loans, median costs $5,031
5.Fifth Third Bank, National Association6.47%33 loans, median costs $4,160

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

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.688%48 loans, median costs $8,048
2.Rocket Mortgage, LLC5.99%71 loans, median costs $7,282
3.Union Savings Bank6.25%52 loans, median costs $867
4.WRIGHT-PATT CREDIT UNION, INC.6.625%35 loans, median costs $1,192
5.Fifth Third Bank, National Association6.922%56 loans, median costs $3,203

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

Lender by lender in Miami

Every lender that closed at least 5 qualifying loans in Miami 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	Union Savings Bank	118	6.75%	$1,847	$500	$1,360
2	WRIGHT-PATT CREDIT UNION, INC.	115	6.25%	$3,566	$200	$438
3	Cornerstone First Mortgage, Inc	80	6.75%	$6,250	$2,203	$971
4	CROSSCOUNTRY MORTGAGE, INC.	75	6.75%	$6,339	$2,949	$1,690
5	VANDERBILT MORTGAGE AND FINANCE, INC.	64	5.625%	$9,337	$1,880	$5,483
6	Loandepot.Com, LLC	60	6.49%	$6,081	$1,445	$953
7	Rocket Mortgage, LLC	47	6.625%	$6,666	$3,098	$2,264
8	NVR Mortgage Finance, Inc.	46	6.25%	$4,982	$3,323	$5,160
9	GUARANTEED RATE, INC.	44	6.513%	$6,735	$1,683	$1,032
10	The Huntington National Bank	39	6.625%	$4,184	$1,295	$678
11	Mortgage Research Center, LLC	34	6.25%	$5,031	$0	$1,775
12	Fifth Third Bank, National Association	33	6.47%	$4,160	$1,295	$568
13	U.S. Bank National Association	30	6.49%	$4,028	$1,294	$380
14	Greenville Federal	28	5.875%	$3,591	$1,500	n/a
15	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	27	6.623%	$7,921	$1,801	$801
16	NEWREZ LLC	24	6.75%	$5,585	$1	$890
17	The Park National Bank	23	6.5%	$4,149	$1,614	$120
18	PRIMELENDING, A PLAINSCAPITAL COMPANY	22	6.688%	$6,648	$2,475	$1,040
19	UNION HOME MORTGAGE CORP.	19	6.75%	$5,097	$2,017	$567
20	JPMorgan Chase Bank, National Association	19	6.49%	$3,203	$1,027	$750
21	FIRST COMMUNITY MORTGAGE, INC.	16	6.25%	$7,464	$3,442	$2,602
22	DAS Acquisition Company, LLC	15	6.75%	$7,356	$2,471	$1,412
23	Fairway Independent Mortgage Corporation	14	6.688%	$8,402	$5,247	$4,811
24	First Financial Bank	13	6.5%	$4,116	$1,435	$186
25	Monroe Federal Savings and Loan Association	10	n/a	n/a	n/a	n/a
26	NFM, INC.	10	6.933%	$6,212	$3,275	$2,635
27	The Covington Savings and Loan Association	9	n/a	n/a	n/a	n/a
28	Greenville National Bank	9	n/a	n/a	n/a	n/a
29	Broker Solutions, Inc.	8	6.75%	$10,924	$4,053	$2,496
30	LOWER, LLC	8	6.938%	$7,215	$2,843	$1,366
31	PENNYMAC LOAN SERVICES, LLC	8	6.624%	$4,922	$1,395	$417
32	SUPERIOR CREDIT UNION, INC.	7	6.125%	$3,079	$810	$1,259
33	Navy Federal Credit Union	7	6.125%	$3,338	$0	$1,085
34	The Farmers State Bank	7	n/a	n/a	n/a	n/a
35	Day Air Credit Union, Inc.	6	6.312%	$3,484	$475	$2,310
36	HOWARD HANNA FINANCIAL SERVICES, INC.	6	6.623%	$4,881	$2,200	n/a
37	ZILLOW HOME LOANS, LLC	6	6.5%	$7,074	$2,375	$3,118
38	GUILD MORTGAGE COMPANY	6	6.808%	$7,963	$3,419	$1,690
39	THE EQUITABLE MORTGAGE CORPORATION	6	6.375%	$4,569	$1,495	$644
40	Minster Bank	6	6%	$2,789	$607	n/a

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

Common questions

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

The median interest rate on closed home-purchase loans in Miami County, Ohio in 2025 was 6.5%, across 1,327 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.