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

Across 3,205 closed home-purchase loans in 2025, the median interest rate in Warren was 6.5%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $4,993 on a median loan of $355,000. 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: $4,993
Median loan amount: $355,000

3,205 loans, 2025.

Refinance

Median rate: 6.125%
Middle half of rates: 5.75%–6.625%
Median total loan costs: $4,736
Median loan amount: $295,000

1,682 loans, 2025.

Lowest median rates in Warren (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.WRIGHT-PATT CREDIT UNION, INC.5.75%111 loans, median costs $4,148
2.M/I FINANCIAL, LLC5.875%50 loans, median costs $5,724
3.VICTORY MORTGAGE, L.L.C.6%179 loans, median costs $3,936
4.NVR Mortgage Finance, Inc.6.125%100 loans, median costs $6,983
5.JPMorgan Chase Bank, National Association6.125%47 loans, median costs $4,090

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

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.803%223 loans, median costs $5,391
2.PENNYMAC LOAN SERVICES, LLC5.875%38 loans, median costs $6,999
3.FREEDOM MORTGAGE CORPORATION6.125%75 loans, median costs $7,978
4.1st National Bank6.125%58 loans, median costs $1,790
5.Union Savings Bank6.25%158 loans, median costs $867

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

Lender by lender in Warren

Every lender that closed at least 5 qualifying loans in Warren 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	234	6.75%	$1,735	$500	$1,253
2	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	193	6.625%	$7,379	$3,307	$1,419
3	VICTORY MORTGAGE, L.L.C.	179	6%	$3,936	$850	$6,667
4	The Huntington National Bank	153	6.5%	$4,320	$1,295	$1,947
5	Rocket Mortgage, LLC	111	6.375%	$5,916	$2,682	$3,746
6	WRIGHT-PATT CREDIT UNION, INC.	111	5.75%	$4,148	$0	$893
7	NVR Mortgage Finance, Inc.	100	6.125%	$6,983	$3,178	$9,200
8	CROSSCOUNTRY MORTGAGE, INC.	99	6.75%	$6,374	$2,886	$3,543
9	PRIMELENDING, A PLAINSCAPITAL COMPANY	90	6.49%	$6,339	$3,058	$2,660
10	UNION HOME MORTGAGE CORP.	79	6.625%	$5,607	$1,998	$1,620
11	RUOFF MORTGAGE COMPANY, INC.	77	6.75%	$4,330	$1,585	$1,022
12	FIRST COMMUNITY MORTGAGE, INC.	75	6.75%	$6,767	$3,244	$1,823
13	Fifth Third Bank, National Association	66	6.5%	$4,262	$1,295	$559
14	U.S. Bank National Association	55	6.49%	$4,181	$1,503	$2,445
15	1st National Bank	54	6.25%	$2,941	$50	$1,600
16	DAS Acquisition Company, LLC	52	6.75%	$6,986	$3,154	$1,863
17	Mortgage Research Center, LLC	51	6.25%	$5,146	$0	$1,033
18	M/I FINANCIAL, LLC	50	5.875%	$5,724	$1,750	$11,877
19	JPMorgan Chase Bank, National Association	47	6.125%	$4,090	$650	$1,121
20	GUARANTEED RATE, INC.	45	6.49%	$4,915	$1,640	$1,101
21	Third Federal Savings and Loan Association of Cleveland	42	6.24%	$3,241	$473	n/a
22	Guardian Savings Bank	41	6.5%	$1,621	$500	$967
23	FIRST EQUITY MORTGAGE INCORPORATED	40	6.433%	$5,116	$1,095	$5,000
24	GUARANTEED RATE AFFINITY, LLC	37	6.575%	$4,791	$1,996	$3,900
25	Fairway Independent Mortgage Corporation	33	6.75%	$7,470	$3,645	$2,192
26	VANDERBILT MORTGAGE AND FINANCE, INC.	32	6.433%	$6,957	$2,745	$3,807
27	Paramount Residential Mortgage Group, Inc.	28	6.625%	$8,071	$3,942	$3,670
28	LCNB National Bank	26	6.562%	$3,629	$1,045	$1,411
29	Loandepot.Com, LLC	23	6.49%	$6,970	$2,419	$1,388
30	RAPID MORTGAGE COMPANY	23	6.75%	$7,437	$3,949	$2,627
31	LOWER, LLC	23	6.624%	$7,708	$2,519	$1,020
32	SIBCY CLINE MORTGAGE SERVICES, INC.	22	6.875%	$4,000	$1,289	n/a
33	T2 FINANCIAL LLC	20	6.625%	$8,156	$4,846	$3,657
34	PNC Bank, National Association	20	6.375%	$4,178	$1,241	$554
35	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	19	6.99%	$5,726	$2,425	$774
36	NEWREZ LLC	19	6.625%	$9,455	$3,470	$3,557
37	SUPERIOR CREDIT UNION, INC.	18	6.188%	$3,893	$978	$6,147
38	Cornerstone First Mortgage, Inc	17	6.625%	$8,581	$3,452	$2,605
39	Synergy One Lending, Inc.	17	6.75%	$5,861	$2,015	$1,458
40	Day Air Credit Union, Inc.	17	6%	$4,460	$670	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

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

Common questions

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

The median interest rate on closed home-purchase loans in Warren County, Ohio in 2025 was 6.5%, across 3,205 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.