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

Across 1,757 closed home-purchase loans in 2025, the median interest rate in Trumbull was 6.628%, and the middle half of borrowers got between 6.375% and 7%. Median total loan costs ran $5,408 on a median loan of $165,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.628%
Middle half of rates: 6.375%–7%
Median total loan costs: $5,408
Median loan amount: $165,000

1,757 loans, 2025.

Refinance

Median rate: 6.625%
Middle half of rates: 6%–7.24%
Median total loan costs: $5,197
Median loan amount: $135,000

964 loans, 2025.

Lowest median rates in Trumbull (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.Seven Seventeen Credit Union6.188%160 loans, median costs $3,430
2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.374%67 loans, median costs $5,915
3.JPMorgan Chase Bank, National Association6.49%45 loans, median costs $3,544
4.Mortgage Research Center, LLC6.5%48 loans, median costs $4,134
5.The Huntington National Bank6.625%89 loans, median costs $4,375

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

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%44 loans, median costs $8,344
2.PENNYMAC LOAN SERVICES, LLC6.125%30 loans, median costs $4,769
3.FREEDOM MORTGAGE CORPORATION6.25%40 loans, median costs $4,829
4.Rocket Mortgage, LLC6.375%118 loans, median costs $5,773
5.The Farmers National Bank of Canfield6.5%40 loans, median costs $3,227

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

Lender by lender in Trumbull

Every lender that closed at least 5 qualifying loans in Trumbull 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	Ixonia Bank	396	6.875%	$7,227	$3,185	$1,602
2	Seven Seventeen Credit Union	160	6.188%	$3,430	$1,030	$696
3	CROSSCOUNTRY MORTGAGE, INC.	148	6.875%	$7,057	$3,294	$1,981
4	The Huntington National Bank	89	6.625%	$4,375	$1,433	$516
5	Rocket Mortgage, LLC	89	6.75%	$5,375	$2,062	$1,685
6	The Farmers National Bank of Canfield	86	6.625%	$3,928	$1,195	$616
7	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	67	6.374%	$5,915	$2,343	$1,115
8	Mortgage Research Center, LLC	48	6.5%	$4,134	$0	$664
9	JPMorgan Chase Bank, National Association	45	6.49%	$3,544	$890	$892
10	The Middlefield Banking Company	44	n/a	n/a	n/a	n/a
11	Fairway Independent Mortgage Corporation	27	6.75%	$4,093	$1,653	$1,640
12	WEST PENN FINANCIAL SERVICE CENTER, INC.	26	6.312%	$5,636	$2,103	$542
13	UNION HOME MORTGAGE CORP.	25	6.625%	$6,316	$2,298	$1,473
14	HOWARD HANNA FINANCIAL SERVICES, INC.	24	6.607%	$4,954	$2,208	$552
15	Citizens Bank, National Association	23	6.75%	$4,642	$1,300	$956
16	Alcova Mortgage LLC	21	6.75%	$3,532	$0	$683
17	21st Mortgage Corporation	21	11.46%	$6,496	$4,500	n/a
18	LIBERTY HOME MORTGAGE CORPORATION	20	7.125%	$6,721	$2,990	$2,198
19	AMERICAN FINANCIAL RESOURCES, INC.	18	6.5%	$5,600	$949	$1,406
20	Farm Credit Mid-America	18	7.188%	$6,181	$4,215	n/a
21	WesBanco Bank, Inc.	18	6.375%	$5,294	$2,183	$752
22	First National Bank of Pennsylvania	14	6.438%	$4,399	$1,706	$500
23	Synergy One Lending, Inc.	13	6.75%	$5,797	$3,206	$1,090
24	The Dart Bank	12	6.5%	$3,305	$12	$246
25	PNC Bank, National Association	12	6.375%	$4,297	$1,453	$619
26	Broker Solutions, Inc.	11	6.875%	$7,222	$2,627	$1,532
27	Navy Federal Credit Union	10	6.188%	$3,040	$0	$3,375
28	RAPID MORTGAGE COMPANY	9	7.25%	$5,630	$1,838	$1,044
29	Nations Lending Corporation	8	6.75%	$5,935	$1,978	$1,542
30	EMM LOANS LLC	8	6.625%	$4,493	$1,033	$1,033
31	First Commonwealth Bank	8	6.688%	$3,728	$1,395	$228
32	Paramount Residential Mortgage Group, Inc.	7	6.99%	$8,275	$3,528	$2,655
33	VANDERBILT MORTGAGE AND FINANCE, INC.	7	11.99%	n/a	n/a	n/a
34	ZILLOW HOME LOANS, LLC	7	6.625%	$5,514	$2,583	$1,620
35	RUOFF MORTGAGE COMPANY, INC.	7	6.875%	$4,878	$1,828	$991
36	U.S. Bank National Association	7	7.125%	$5,402	$1,245	$2,070
37	Third Federal Savings and Loan Association of Cleveland	6	6.425%	$3,930	$1,400	n/a
38	NEWREZ LLC	6	6.375%	$4,841	$495	$1,692
39	Equity Prime Mortgage LLC	6	6.625%	$8,355	$2,664	$416
40	KeyBank National Association	6	6.438%	$4,741	$1,587	$421

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

Common questions

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

The median interest rate on closed home-purchase loans in Trumbull County, Ohio in 2025 was 6.628%, across 1,757 first-lien, owner-occupied loans. The middle half of borrowers got between 6.375% and 7%.

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.