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

Across 1,388 closed home-purchase loans in 2025, the median interest rate in Portage was 6.625%, and the middle half of borrowers got between 6.25% and 6.99%. Median total loan costs ran $5,495 on a median loan of $245,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.25%–6.99%
Median total loan costs: $5,495
Median loan amount: $245,000

1,388 loans, 2025.

Refinance

Median rate: 6.49%
Middle half of rates: 5.99%–7%
Median total loan costs: $5,730
Median loan amount: $205,000

762 loans, 2025.

Lowest median rates in Portage (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.Portage Community Bank6.25%78 loans, median costs $4,213
2.Third Federal Savings and Loan Association of Cleveland6.25%49 loans, median costs $3,741
3.Mortgage Research Center, LLC6.438%30 loans, median costs $5,918
4.The Huntington National Bank6.5%86 loans, median costs $4,780
5.Seven Seventeen Credit Union6.5%31 loans, median costs $3,478

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

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.899%59 loans, median costs $8,383
2.CROSSCOUNTRY MORTGAGE, INC.6.214%40 loans, median costs $4,693
3.Rocket Mortgage, LLC6.25%134 loans, median costs $6,939
4.The Huntington National Bank7.495%142 loans, median costs $3,508

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

Lender by lender in Portage

Every lender that closed at least 5 qualifying loans in Portage 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.	174	6.75%	$7,590	$3,770	$2,873
2	The Huntington National Bank	86	6.5%	$4,780	$1,515	$654
3	Portage Community Bank	78	6.25%	$4,213	$993	n/a
4	Rocket Mortgage, LLC	62	6.562%	$5,763	$2,744	$2,210
5	Fairway Independent Mortgage Corporation	59	6.75%	$5,023	$1,574	$2,392
6	HOWARD HANNA FINANCIAL SERVICES, INC.	54	6.659%	$5,770	$2,573	$1,158
7	Third Federal Savings and Loan Association of Cleveland	49	6.25%	$3,741	$1,095	n/a
8	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	41	6.57%	$7,307	$3,232	$2,005
9	Synergy One Lending, Inc.	32	6.625%	$6,255	$2,946	$1,567
10	Seven Seventeen Credit Union	31	6.5%	$3,478	$1,063	$260
11	Fifth Third Bank, National Association	31	6.5%	$4,630	$1,295	$1,197
12	Mortgage Research Center, LLC	30	6.438%	$5,918	$0	$1,063
13	21st Mortgage Corporation	29	11.93%	$6,681	$4,500	n/a
14	First Commonwealth Bank	28	6.562%	$5,537	$1,912	$878
15	JPMorgan Chase Bank, National Association	27	6.625%	$3,286	$682	$933
16	RUOFF MORTGAGE COMPANY, INC.	26	6.625%	$4,317	$1,585	$1,498
17	UNION HOME MORTGAGE CORP.	26	6.75%	$6,463	$2,756	$892
18	Ixonia Bank	25	6.875%	$9,026	$4,123	$3,523
19	LIBERTY HOME MORTGAGE CORPORATION	24	6.995%	$7,559	$3,096	$2,365
20	WEST PENN FINANCIAL SERVICE CENTER, INC.	21	6.5%	$5,793	$2,290	$1,273
21	PULTE MORTGAGE LLC	20	5.375%	$1,988	$0	$10,319
22	Navy Federal Credit Union	16	6.25%	$3,097	$0	n/a
23	GUARANTEED RATE, INC.	16	6.688%	$5,634	$1,770	$1,332
24	First National Bank of Pennsylvania	16	6.312%	$4,570	$1,325	$895
25	MUTUAL OF OMAHA MORTGAGE, INC.	13	6.5%	$9,785	$4,205	$3,345
26	Nations Lending Corporation	12	6.75%	$4,924	$1,920	$3,058
27	PNC Bank, National Association	11	6.375%	$3,723	$1,243	$547
28	WesBanco Bank, Inc.	11	6.625%	$7,660	$3,195	$509
29	The Middlefield Banking Company	10	n/a	n/a	n/a	n/a
30	The Farmers National Bank of Canfield	10	6.562%	$4,115	$1,195	$240
31	U.S. Bank National Association	10	6.312%	$3,869	$1,245	$790
32	PENNYMAC LOAN SERVICES, LLC	10	6.624%	$6,335	$2,465	$2,532
33	FIRST OHIO HOME FINANCE, INC.	9	6.49%	n/a	$0	n/a
34	POLARIS HOME FUNDING CORP.	9	6.875%	$9,196	$4,292	$4,304
35	Farm Credit Mid-America	9	7%	$8,775	$6,325	n/a
36	NFM, INC.	9	6.75%	$9,086	$5,452	$4,335
37	VANDERBILT MORTGAGE AND FINANCE, INC.	8	11.99%	$10,187	$7,197	$3,165
38	TRIAD FINANCIAL SERVICES, INC.	8	8.235%	n/a	n/a	n/a
39	First Federal Savings and Loan Association of Lakewood	8	6.85%	$6,371	$2,743	n/a
40	AMERICAN PACIFIC MORTGAGE CORPORATION	8	7.438%	$8,360	$4,096	$3,007

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

Common questions

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

The median interest rate on closed home-purchase loans in Portage County, Ohio in 2025 was 6.625%, across 1,388 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 6.99%.

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.