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

Across 3,705 closed home-purchase loans in 2025, the median interest rate in Stark was 6.625%, and the middle half of borrowers got between 6.25% and 6.99%. Median total loan costs ran $5,511 on a median loan of $205,000. 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: $5,511
Median loan amount: $205,000

3,705 loans, 2025.

Refinance

Median rate: 6.5%
Middle half of rates: 5.99%–7.125%
Median total loan costs: $5,317
Median loan amount: $175,000

1,900 loans, 2025.

Lowest median rates in Stark (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.K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.5.875%35 loans, median costs $6,184
2.Mortgage Research Center, LLC6.312%140 loans, median costs $5,236
3.NVR Mortgage Finance, Inc.6.375%103 loans, median costs $5,396
4.Citizens Bank, National Association6.4%43 loans, median costs $4,507
5.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.449%72 loans, median costs $7,200

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

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.75%97 loans, median costs $8,046
2.First Commonwealth Bank5.99%70 loans, median costs $2,845
3.PENNYMAC LOAN SERVICES, LLC5.999%40 loans, median costs $5,721
4.Rocket Mortgage, LLC6.25%289 loans, median costs $6,755
5.CROSSCOUNTRY MORTGAGE, INC.6.25%104 loans, median costs $5,149

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

Lender by lender in Stark

Every lender that closed at least 5 qualifying loans in Stark 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.	560	6.875%	$7,374	$3,543	$2,242
2	The Huntington National Bank	431	6.625%	$4,548	$1,549	$474
3	Rocket Mortgage, LLC	207	6.625%	$5,364	$2,250	$1,999
4	Fairway Independent Mortgage Corporation	200	6.625%	$4,834	$1,574	$1,615
5	Mortgage Research Center, LLC	140	6.312%	$5,236	$0	$840
6	MUTUAL OF OMAHA MORTGAGE, INC.	125	6.875%	$6,429	$2,506	$2,028
7	POLARIS HOME FUNDING CORP.	118	6.75%	$7,586	$3,395	$3,426
8	NVR Mortgage Finance, Inc.	103	6.375%	$5,396	$3,675	$7,606
9	GVC MORTGAGE, INC.	88	6.875%	$4,353	$1,630	$435
10	Nations Lending Corporation	82	6.75%	$4,442	$1,416	$929
11	GUARANTEED RATE, INC.	78	6.525%	$4,502	$1,950	$756
12	UNION HOME MORTGAGE CORP.	74	6.75%	$7,256	$3,298	$1,790
13	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	72	6.449%	$7,200	$3,035	$1,429
14	JPMorgan Chase Bank, National Association	72	6.49%	$3,850	$1,222	$1,264
15	The Farmers National Bank of Canfield	60	6.625%	$4,145	$1,195	$203
16	NFM, INC.	58	6.812%	$5,897	$3,007	$2,705
17	First Commonwealth Bank	56	6.5%	$4,576	$1,395	$606
18	Synergy One Lending, Inc.	55	6.75%	$6,319	$2,655	$1,378
19	PNC Bank, National Association	44	6.5%	$4,163	$1,796	$833
20	Citizens Bank, National Association	43	6.4%	$4,507	$1,608	$694
21	HOWARD HANNA FINANCIAL SERVICES, INC.	41	6.5%	$6,284	$2,345	$804
22	NEWREZ LLC	40	6.5%	$3,651	$990	$550
23	K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.	35	5.875%	$6,184	$1,724	$4,033
24	FIRST OHIO HOME FINANCE, INC.	35	6.625%	n/a	$0	n/a
25	Fifth Third Bank, National Association	31	6.625%	$4,092	$1,295	$504
26	CANTON SCHOOL EMPLOYEES Federal Credit Union	30	6.688%	$4,337	$1,187	$439
27	KeyBank National Association	29	6.5%	$4,187	$1,336	$494
28	Westfield Bank, FSB	28	n/a	n/a	n/a	n/a
29	TRIAD FINANCIAL SERVICES, INC.	26	6.75%	n/a	n/a	n/a
30	Third Federal Savings and Loan Association of Cleveland	25	6.425%	$4,083	$1,345	n/a
31	RUOFF MORTGAGE COMPANY, INC.	24	6.75%	$4,352	$1,626	$2,420
32	PENNYMAC LOAN SERVICES, LLC	24	6.499%	$4,815	$1,594	$706
33	LIBERTY HOME MORTGAGE CORPORATION	21	7%	$7,269	$3,422	$1,109
34	ZILLOW HOME LOANS, LLC	20	6.75%	$4,978	$2,008	$866
35	Portage Community Bank	20	6.5%	$4,112	$959	n/a
36	Navy Federal Credit Union	19	6%	$3,061	$0	$1,038
37	WesBanco Bank, Inc.	19	6.75%	$5,237	$1,695	$1,170
38	Farm Credit Mid-America	18	6.812%	$5,916	$4,188	n/a
39	Broker Solutions, Inc.	18	7.188%	$8,080	$2,790	$2,452
40	Merchants Bank of Indiana	18	6.625%	$3,777	$990	$204

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

Common questions

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

The median interest rate on closed home-purchase loans in Stark County, Ohio in 2025 was 6.625%, across 3,705 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.