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

Across 1,280 closed home-purchase loans in 2025, the median interest rate in Wood was 6.625%, and the middle half of borrowers got between 6.25% and 6.99%. Median total loan costs ran $5,102 on a median loan of $235,000. 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: $5,102
Median loan amount: $235,000

1,280 loans, 2025.

Refinance

Median rate: 6.5%
Middle half of rates: 5.99%–7.25%
Median total loan costs: $4,891
Median loan amount: $205,000

536 loans, 2025.

Lowest median rates in Wood (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.Loandepot.Com, LLC6.5%70 loans, median costs $6,054
2.Fifth Third Bank, National Association6.5%43 loans, median costs $4,808
3.The Huntington National Bank6.625%144 loans, median costs $4,629
4.UNION HOME MORTGAGE CORP.6.625%83 loans, median costs $7,441
5.Rocket Mortgage, LLC6.625%65 loans, median costs $6,300

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

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.995%46 loans, median costs $5,523
2.Rocket Mortgage, LLC6.49%63 loans, median costs $6,283
3.The Huntington National Bank7.32%100 loans, median costs $3,454

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

Lender by lender in Wood

Every lender that closed at least 5 qualifying loans in Wood 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	The Huntington National Bank	144	6.625%	$4,629	$1,295	$422
2	UNION HOME MORTGAGE CORP.	83	6.625%	$7,441	$3,014	$1,425
3	Loandepot.Com, LLC	70	6.5%	$6,054	$2,010	$1,163
4	Rocket Mortgage, LLC	65	6.625%	$6,300	$3,982	$3,068
5	Click n' Close, Inc.	48	6.625%	$5,216	$4,882	$598
6	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	48	6.968%	$4,882	$1,400	$1,048
7	Fifth Third Bank, National Association	43	6.5%	$4,808	$1,295	$548
8	NEWREZ LLC	41	6.875%	$4,264	$999	$462
9	EQUITY RESOURCES, INC.	40	6.875%	$4,897	$2,825	$2,000
10	The Genoa Banking Company	39	n/a	n/a	n/a	n/a
11	TRIAD FINANCIAL SERVICES, INC.	29	8.63%	n/a	n/a	n/a
12	Directions Credit Union, Inc.	28	6.188%	$3,722	$550	$550
13	Mortgage Research Center, LLC	27	6.375%	$6,794	$422	$1,818
14	CROSSCOUNTRY MORTGAGE, INC.	27	6.99%	$6,205	$2,274	$2,256
15	CMG MORTGAGE, INC.	26	6.75%	$4,922	$1,660	$860
16	Civista Bank	24	6.5%	$4,483	$950	$313
17	NFM, INC.	24	6.933%	$5,718	$3,020	$1,222
18	KeyBank National Association	24	6.125%	$4,397	$1,656	$433
19	HOWARD HANNA FINANCIAL SERVICES, INC.	22	6.625%	$5,506	$2,658	$1,268
20	K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.	22	4.99%	$10,062	$550	$11,752
21	WesBanco Bank, Inc.	22	6.625%	$5,252	$1,695	$245
22	JPMorgan Chase Bank, National Association	20	6.25%	$4,242	$875	$1,246
23	GREENSTATE Credit Union	18	8.34%	n/a	n/a	n/a
24	FREMONT Federal Credit Union	15	6.5%	$2,678	$600	n/a
25	SUN Federal Credit Union	14	6.125%	$3,380	$625	n/a
26	21st Mortgage Corporation	14	12.07%	n/a	n/a	n/a
27	Navy Federal Credit Union	13	6.25%	$3,824	$0	$5,827
28	The State Bank and Trust Company	13	6.625%	$5,303	$975	$380
29	AG CREDIT AGRICULTURAL CREDIT ASSOCIATION	11	6.85%	$3,365	$1,750	n/a
30	RUOFF MORTGAGE COMPANY, INC.	11	6.875%	$4,453	$1,585	$1,578
31	PNC Bank, National Association	10	6.25%	$3,378	$1,432	$2,695
32	The Union Bank Company	9	n/a	n/a	n/a	n/a
33	GVC MORTGAGE, INC.	9	6.875%	$6,516	$3,179	$1,692
34	LOWER, LLC	8	6.25%	$7,836	$2,447	$676
35	VANDERBILT MORTGAGE AND FINANCE, INC.	7	10.75%	$4,891	$3,378	$614
36	ZILLOW HOME LOANS, LLC	7	6.49%	$7,191	$2,765	$1,302
37	GLASS CITY Federal Credit Union	7	7.125%	$3,426	$500	n/a
38	U.S. Bank National Association	7	6.49%	$4,887	$2,398	$1,429
39	SUPERIOR CREDIT UNION, INC.	6	6.312%	$3,198	$1,266	$767
40	First Federal Savings and Loan Association of Lakewood	6	6.737%	$4,660	$1,248	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 Wood figures above, in your browser, without storing anything.

Common questions

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

The median interest rate on closed home-purchase loans in Wood County, Ohio in 2025 was 6.625%, across 1,280 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.