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

Across 912 closed home-purchase loans in 2025, the median interest rate in Wayne was 6.625%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $5,804 on a median loan of $215,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.25%–6.875%
Median total loan costs: $5,804
Median loan amount: $215,000

912 loans, 2025.

Refinance

Median rate: 6.5%
Middle half of rates: 5.99%–7.19%
Median total loan costs: $5,924
Median loan amount: $175,000

519 loans, 2025.

Lowest median rates in Wayne (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.Mortgage Research Center, LLC6.25%30 loans, median costs $4,158
2.Rocket Mortgage, LLC6.433%40 loans, median costs $6,955
3.The Huntington National Bank6.5%55 loans, median costs $4,800
4.The Farmers National Bank of Canfield6.625%49 loans, median costs $4,080
5.CROSSCOUNTRY MORTGAGE, INC.6.75%148 loans, median costs $7,254

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

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.625%34 loans, median costs $6,123
2.Rocket Mortgage, LLC6.25%83 loans, median costs $7,667
3.The Farmers National Bank of Canfield6.5%41 loans, median costs $3,972
4.PNC Bank, National Association7.19%50 loans, median costs $3,433
5.The Huntington National Bank7.74%85 loans, median costs $2,720

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

Lender by lender in Wayne

Every lender that closed at least 5 qualifying loans in Wayne 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.	148	6.75%	$7,254	$3,697	$2,017
2	The Huntington National Bank	55	6.5%	$4,800	$1,695	$784
3	UNION HOME MORTGAGE CORP.	52	6.75%	$6,649	$2,320	$564
4	The Farmers National Bank of Canfield	49	6.625%	$4,080	$1,195	$639
5	Rocket Mortgage, LLC	40	6.433%	$6,955	$3,304	$2,797
6	United Trust Bank	37	6.875%	$4,171	$1,600	$168
7	The Commercial and Savings Bank of Millersburg, Ohio	31	n/a	n/a	n/a	n/a
8	Mortgage Research Center, LLC	30	6.25%	$4,158	$0	$939
9	TRIAD FINANCIAL SERVICES, INC.	28	6.75%	n/a	n/a	n/a
10	Fairway Independent Mortgage Corporation	22	6.49%	$6,342	$3,147	$1,837
11	POLARIS HOME FUNDING CORP.	21	6.75%	$6,735	$3,266	$3,219
12	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	20	6.288%	$6,754	$1,677	$2,351
13	Main Street Bank Corp	20	n/a	n/a	n/a	n/a
14	PNC Bank, National Association	19	6.5%	$3,661	$1,353	$501
15	HOWARD HANNA FINANCIAL SERVICES, INC.	18	6.561%	$5,006	$2,275	$707
16	Alcova Mortgage LLC	18	6.812%	$6,482	$2,010	$1,269
17	GUARANTEED RATE, INC.	14	6.65%	$4,754	$1,989	$1,169
18	Third Federal Savings and Loan Association of Cleveland	13	6.19%	$3,842	$1,095	n/a
19	JPMorgan Chase Bank, National Association	13	6.875%	$3,054	$845	$232
20	The Park National Bank	12	6.562%	$5,053	$1,775	n/a
21	NVR Mortgage Finance, Inc.	12	6.688%	$6,982	$3,964	$5,069
22	RUOFF MORTGAGE COMPANY, INC.	11	6.625%	$5,005	$1,880	$1,948
23	Synergy One Lending, Inc.	10	6.812%	$6,747	$3,729	$2,166
24	The Apple Creek Banking Company	9	n/a	n/a	n/a	n/a
25	FIRST OHIO HOME FINANCE, INC.	8	6.625%	n/a	$1,512	n/a
26	Farm Credit Mid-America	8	6.812%	$7,037	$5,416	n/a
27	MUTUAL OF OMAHA MORTGAGE, INC.	8	6.812%	$6,386	$3,193	$2,564
28	21st Mortgage Corporation	8	9.22%	$6,081	$4,200	n/a
29	U.S. Bank National Association	7	6.625%	$3,796	$1,270	$431
30	Nations Lending Corporation	6	6.562%	$6,288	$1,846	$950
31	GVC MORTGAGE, INC.	6	6.5%	$8,117	$1,795	$3,680
32	AMERICAN PACIFIC MORTGAGE CORPORATION	6	6.625%	$5,808	$3,303	$2,475
33	Fifth Third Bank, National Association	6	6.375%	$4,370	$1,295	$280
34	Directions Credit Union, Inc.	5	6.5%	$2,796	$550	n/a
35	Navy Federal Credit Union	5	6%	$3,469	$0	$7,538
36	GUILD MORTGAGE COMPANY	5	6.75%	$5,447	$1,847	$1,060
37	NEWREZ LLC	5	6.75%	$4,673	$999	$1,698

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

Common questions

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

The median interest rate on closed home-purchase loans in Wayne County, Ohio in 2025 was 6.625%, across 912 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% 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.