Ohio mortgages and home buyers, 2025
Incomes, down payments, rates, loan costs, denials and lenders across Ohio's 88 counties, from official HMDA records.
HMDA 2025 data released June 23, 2026
In 2025, lenders reported 109,912 home-purchase mortgages for owner-occupied, single-family homes in Ohio. The median buyer borrowed $245,000 on a home valued at $285,000 and reported a household income of $94,000.
Buyers financed a median 91.6% of the home's value (roughly 8.4% down), paid a median 6.625% on 30-year fixed conventional loans and faced median conventional loan costs of $4,610.
Lenders denied 7.1% of completed home-purchase applications.
Key facts
- Home buyers' median income ($94,000) is 19% lower than the U.S. median ($116,000).
- Median conventional loan costs ($4,610) were 17% lower than the U.S. median ($5,570).
- The most common age bracket among borrowers was 25–34 (35.8% of purchase loans).
- 57.6% of purchase mortgages had a single borrower with no co-applicant.
- The most-cited reason for denial was debt-to-income ratio (34.9% of denials with a stated reason).
The 2026 conforming limit is $832,750 for a one-unit home in every Ohio county. See every Ohio county's 2026 FHA and conforming loan limits.
Ohio counties compared
Click a column to sort. Medians shown with at least 30 loans.
| County | Purchase loans | Median loan | Buyer income | Down payment | 30-yr rate | Loan costs | Denial rate | FHA limit |
|---|---|---|---|---|---|---|---|---|
| Adams County | 181 | $185,000 | $72,000 | 5.0% | 6.875% | $4,160 | 8.7% | $541,287 |
| Allen County | 890 | $195,000 | $77,000 | 5.0% | 6.625% | $3,900 | 7.4% | $541,287 |
| Ashland County | 444 | $195,000 | $79,000 | 10.0% | 6.750% | $4,050 | 6.0% | $541,287 |
| Ashtabula County | 723 | $175,000 | $75,000 | 5.0% | 6.750% | $4,970 | 9.2% | $541,287 |
| Athens County | 205 | $205,000 | $93,000 | 9.8% | 6.750% | $4,740 | 7.7% | $541,287 |
| Auglaize County | 372 | $195,000 | $77,000 | 6.8% | 6.625% | $3,430 | 3.3% | $541,287 |
| Belmont County | 438 | $165,000 | $80,000 | 4.7% | 6.625% | $4,580 | 11.3% | $541,287 |
| Brown County | 429 | $245,000 | $85,000 | 5.0% | 6.750% | $4,470 | 7.4% | $541,287 |
| Butler County | 3,879 | $275,000 | $100,000 | 10.0% | 6.625% | $4,410 | 6.6% | $541,287 |
| Carroll County | 171 | $215,000 | $87,000 | 5.0% | 6.750% | $5,030 | 6.5% | $541,287 |
| Champaign County | 279 | $225,000 | $86,000 | 5.0% | 6.750% | $4,520 | 8.3% | $541,287 |
| Clark County | 1,372 | $195,000 | $77,000 | 3.5% | 6.750% | $4,310 | 8.7% | $541,287 |
| Clermont County | 2,648 | $285,000 | $106,000 | 10.0% | 6.625% | $4,250 | 6.9% | $541,287 |
| Clinton County | 389 | $225,000 | $86,000 | 5.0% | 6.750% | $4,490 | 7.1% | $541,287 |
| Columbiana County | 724 | $175,000 | $73,000 | 5.0% | 6.750% | $4,450 | 8.4% | $541,287 |
| Coshocton County | 282 | $175,000 | $71,000 | 3.5% | 6.750% | $3,840 | 6.2% | $541,287 |
| Crawford County | 320 | $155,000 | $66,000 | 5.0% | 6.750% | $4,150 | 7.5% | $541,287 |
| Cuyahoga County | 9,904 | $225,000 | $92,000 | 10.0% | 6.625% | $4,980 | 8.4% | $541,287 |
| Darke County | 460 | $175,000 | $78,000 | 5.0% | 6.750% | $3,530 | 8.2% | $541,287 |
| Defiance County | 337 | $155,000 | $73,000 | 5.0% | 6.625% | $3,660 | 7.3% | $541,287 |
| Delaware County | 3,149 | $445,000 | $160,000 | 20.0% | 6.500% | $4,850 | 6.1% | $591,100 |
| Erie County | 611 | $205,000 | $84,000 | 6.7% | 6.750% | $4,580 | 5.9% | $541,287 |
| Fairfield County | 1,978 | $325,000 | $106,000 | 5.0% | 6.625% | $4,980 | 8.0% | $591,100 |
| Fayette County | 260 | $225,000 | $86,000 | 3.5% | 6.625% | $4,280 | 8.6% | $541,287 |
| Franklin County | 11,860 | $295,000 | $104,000 | 10.0% | 6.625% | $4,880 | 6.8% | $591,100 |
| Fulton County | 362 | $185,000 | $80,000 | 6.1% | 6.625% | $4,070 | 5.9% | $541,287 |
| Gallia County | 191 | $205,000 | $87,000 | 5.0% | 6.875% | $4,500 | 13.8% | $541,287 |
| Geauga County | 823 | $315,000 | $126,000 | 20.0% | 6.625% | $5,510 | 7.7% | $541,287 |
| Greene County | 2,002 | $285,000 | $115,000 | 8.4% | 6.625% | $4,030 | 5.2% | $541,287 |
| Guernsey County | 286 | $185,000 | $71,000 | 5.0% | 6.750% | $4,530 | 9.1% | $541,287 |
| Hamilton County | 7,743 | $255,000 | $100,000 | 10.0% | 6.625% | $4,290 | 6.5% | $541,287 |
| Hancock County | 749 | $205,000 | $82,000 | 7.1% | 6.625% | $4,390 | 3.8% | $541,287 |
| Hardin County | 248 | $175,000 | $71,000 | 3.5% | 6.625% | $4,230 | 9.3% | $541,287 |
| Harrison County | 82 | $155,000 | $72,000 | 3.5% | 6.875% | $4,710 | 5.4% | $541,287 |
| Henry County | 226 | $175,000 | $72,000 | 5.0% | 6.500% | $3,920 | 4.9% | $541,287 |
| Highland County | 323 | $205,000 | $75,000 | 3.5% | 6.625% | $3,700 | 12.3% | $541,287 |
| Hocking County | 166 | $225,000 | $89,000 | 10.0% | 6.625% | $4,780 | 10.9% | $591,100 |
| Holmes County | 97 | $245,000 | $84,000 | 10.0% | — | $4,520 | 10.0% | $541,287 |
| Huron County | 401 | $175,000 | $75,000 | 5.0% | 6.750% | $4,540 | 8.5% | $541,287 |
| Jackson County | 227 | $195,000 | $80,000 | 3.6% | 6.709% | $4,380 | 15.6% | $541,287 |
| Jefferson County | 414 | $155,000 | $71,000 | 5.0% | 6.750% | $4,040 | 8.2% | $541,287 |
| Knox County | 653 | $255,000 | $91,000 | 10.0% | 6.750% | $4,580 | 5.7% | $541,287 |
| Lake County | 2,639 | $215,000 | $89,000 | 10.0% | 6.625% | $4,940 | 6.0% | $541,287 |
| Lawrence County | 370 | $175,000 | $78,000 | 3.5% | 6.625% | $4,170 | 9.0% | $541,287 |
| Licking County | 1,928 | $305,000 | $104,000 | 9.5% | 6.625% | $4,640 | 6.4% | $591,100 |
| Logan County | 442 | $235,000 | $82,000 | 5.0% | 6.625% | $4,670 | 10.3% | $541,287 |
| Lorain County | 3,706 | $245,000 | $98,000 | 10.0% | 6.625% | $4,770 | 7.4% | $541,287 |
| Lucas County | 3,495 | $185,000 | $81,000 | 5.0% | 6.625% | $4,680 | 6.5% | $541,287 |
| Madison County | 583 | $305,000 | $107,000 | 5.0% | 6.518% | $4,750 | 5.9% | $591,100 |
| Mahoning County | 1,986 | $175,000 | $74,000 | 5.0% | 6.625% | $4,380 | 6.4% | $541,287 |
| Marion County | 577 | $185,000 | $75,000 | 4.0% | 6.750% | $4,000 | 8.5% | $541,287 |
| Medina County | 1,976 | $295,000 | $113,000 | 15.0% | 6.625% | $5,190 | 4.6% | $541,287 |
| Meigs County | 85 | $175,000 | $75,000 | 5.0% | 6.875% | $4,080 | 13.7% | $541,287 |
| Mercer County | 163 | $215,000 | $79,000 | 10.0% | 6.625% | $3,480 | 7.8% | $541,287 |
| Miami County | 1,304 | $245,000 | $95,000 | 5.0% | 6.625% | $4,160 | 5.6% | $541,287 |
| Monroe County | 70 | $155,000 | $83,000 | 5.0% | — | $5,660 | 11.4% | $541,287 |
| Montgomery County | 5,669 | $215,000 | $87,000 | 5.0% | 6.625% | $4,050 | 7.2% | $541,287 |
| Morgan County | 83 | $195,000 | $83,000 | 3.5% | — | $4,580 | 4.5% | $541,287 |
| Morrow County | 317 | $305,000 | $103,000 | 10.0% | 6.625% | $4,880 | 8.5% | $591,100 |
| Muskingum County | 789 | $215,000 | $82,000 | 5.0% | 6.750% | $4,490 | 7.0% | $541,287 |
| Noble County | 70 | $195,000 | $77,000 | 5.0% | 6.625% | $4,830 | 10.3% | $541,287 |
| Ottawa County | 334 | $195,000 | $88,000 | 15.0% | 6.625% | $4,370 | 5.3% | $541,287 |
| Paulding County | 174 | $165,000 | $68,000 | 5.0% | 6.500% | $3,610 | 9.5% | $541,287 |
| Perry County | 286 | $225,000 | $84,000 | 5.0% | 6.750% | $4,820 | 12.0% | $591,100 |
| Pickaway County | 905 | $335,000 | $105,000 | 5.0% | 6.625% | $4,860 | 5.7% | $591,100 |
| Pike County | 140 | $195,000 | $86,000 | 3.5% | — | $4,250 | 14.9% | $541,287 |
| Portage County | 1,301 | $255,000 | $101,000 | 10.0% | 6.625% | $5,020 | 5.9% | $541,287 |
| Preble County | 410 | $195,000 | $79,000 | 5.0% | 6.875% | $4,260 | 5.3% | $541,287 |
| Putnam County | 279 | $205,000 | $89,000 | 8.8% | 6.500% | $3,620 | 6.3% | $541,287 |
| Richland County | 1,112 | $185,000 | $76,000 | 10.0% | 6.750% | $3,850 | 5.9% | $541,287 |
| Ross County | 576 | $215,000 | $85,000 | 5.0% | 6.750% | $4,490 | 9.5% | $541,287 |
| Sandusky County | 508 | $165,000 | $69,000 | 5.0% | 6.500% | $3,800 | 5.3% | $541,287 |
| Scioto County | 483 | $165,000 | $78,000 | 5.0% | 6.625% | $3,930 | 16.4% | $541,287 |
| Seneca County | 388 | $155,000 | $67,000 | 5.0% | 6.750% | $3,830 | 8.5% | $541,287 |
| Shelby County | 312 | $205,000 | $82,000 | 10.0% | 6.500% | $3,910 | 10.4% | $541,287 |
| Stark County | 3,623 | $205,000 | $82,000 | 5.0% | 6.750% | $4,780 | 7.1% | $541,287 |
| Summit County | 5,363 | $215,000 | $87,000 | 9.4% | 6.625% | $4,910 | 6.2% | $541,287 |
| Trumbull County | 1,686 | $165,000 | $72,000 | 5.0% | 6.750% | $4,550 | 8.0% | $541,287 |
| Tuscarawas County | 550 | $195,000 | $74,000 | 5.0% | 6.750% | $4,600 | 6.0% | $541,287 |
| Union County | 1,278 | $435,000 | $153,000 | 17.9% | 6.500% | $5,110 | 5.0% | $591,100 |
| Van Wert County | 247 | $165,000 | $70,000 | 5.0% | 6.750% | $3,650 | 4.5% | $541,287 |
| Vinton County | 62 | $205,000 | $87,000 | 10.0% | — | $4,300 | 16.9% | $541,287 |
| Warren County | 3,166 | $355,000 | $134,000 | 19.7% | 6.625% | $4,550 | 5.5% | $541,287 |
| Washington County | 352 | $195,000 | $82,000 | 5.0% | 6.625% | $4,810 | 10.5% | $541,287 |
| Wayne County | 850 | $225,000 | $85,000 | 8.4% | 6.750% | $4,900 | 5.7% | $541,287 |
| Williams County | 340 | $155,000 | $66,000 | 5.0% | 6.750% | $3,610 | 8.5% | $541,287 |
| Wood County | 1,195 | $245,000 | $105,000 | 10.0% | 6.750% | $4,700 | 4.4% | $541,287 |
| Wyandot County | 135 | $165,000 | $78,000 | 5.0% | 6.875% | $4,060 | 9.7% | $541,287 |
Who bought homes in Ohio
Home-purchase mortgages for owner-occupied, single-family (1–4 unit) site-built homes, first liens, originated in 2025.
Values are medians; "middle half" is the 25th to 75th percentile.
Loan type
What the homes were for
All first-lien, closed-end purchase mortgages, including second homes and investors.
Borrower age
Debt-to-income ratio
Monthly debts (including the new payment) as a share of income, as used in underwriting.
What borrowing cost in Ohio
Medians for 2025 home-purchase loans. Total loan costs are section D of the Loan Estimate/Closing Disclosure (lender and third-party loan charges, excluding taxes, prepaids and escrow). FHA and VA costs include the upfront mortgage insurance premium or VA funding fee, so compare like with like.
| Measure | Ohio | U.S. |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.575% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.22 pts | +0.13 pts |
| Total loan costs · conventional | $4,610 | $5,570 |
| Total loan costs · FHA | $9,160 | $11,310 |
| Total loan costs · VA | $5,600 | $6,490 |
| Origination charges (all loan types) | $1,780 | $1,860 |
| Borrowers paying discount points | 51.4% | 51.3% |
| Points paid, when paid (% of loan) | 0.76% | 0.87% |
| Borrowers receiving lender credits | 33.5% | 33.1% |
| Adjustable-rate mortgages | 7.2% | 7.4% |
| Jumbo loans (above conforming limit) | 1.3% | 3.8% |
Medians are shown only when at least 30 loans report the field. Rates are those reported at closing; market rates changed during 2025, which the rate spread (APR minus the average prime offer rate on the lock date) adjusts for.
Approvals and denials
Ohio: 8,567 of 121,165 completed home-purchase applications were denied (7.1%).
Denial rate
| Application | Ohio | U.S. |
|---|---|---|
| Home purchase | 7.1% | 8.5% |
| Conventional | 5.7% | 7.1% |
| FHA | 11.4% | 12.5% |
| VA | 8.2% | 8.0% |
| USDA | 9.5% | 12.5% |
| Refinance | 16.4% | 17.9% |
| Cash-out refinance | 33.3% | 33.6% |
Main reason for purchase denials
First reason the lender reported.
Denial rate = denied ÷ (originated + approved but not accepted + denied). Withdrawn and incomplete applications are excluded. Differences between places reflect who applies, not only lender behavior.
Refinancing in Ohio
Top mortgage lenders in Ohio
| # | Lender | Loans | Share | Denial rate | 30-yr rate* | Spread* | Costs* |
|---|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 11,965 | 7.7% | 12.0% | 6.625% | +0.30 | $5,080 |
| 2 | CrossCountry Mortgage, Inc. | 9,616 | 6.2% | 1.8% | 6.875% | +0.54 | $6,100 |
| 3 | United Wholesale Mortgage (UWM) | 8,756 | 5.7% | 7.8% | 6.625% | +0.26 | $5,610 |
| 4 | The Huntington National Bank | 7,775 | 5.0% | 6.5% | 6.625% | +0.20 | $4,420 |
| 5 | Union Home Mortgage Corp. | 4,342 | 2.8% | 3.4% | 6.875% | +0.48 | $5,570 |
| 6 | Union Savings Bank | 3,664 | 2.4% | 4.6% | 6.625% | +0.25 | $2,160 |
| 7 | JPMorgan Chase Bank, N.A. | 3,342 | 2.2% | 11.7% | 6.500% | +0.03 | $3,670 |
| 8 | Fifth Third Bank, N.A. | 3,336 | 2.1% | 8.6% | 6.500% | +0.09 | $4,230 |
| 9 | Veterans United Home Loans | 3,169 | 2.0% | 9.7% | 6.750% | +0.26 | $3,360 |
| 10 | NFM, Inc. | 2,912 | 1.9% | 1.2% | 6.750% | +0.40 | $6,810 |
| 11 | Third Federal Savings and Loan Association of Cleveland | 2,476 | 1.6% | 5.5% | 6.340% | −0.18 | $3,610 |
| 12 | Freedom Mortgage Corporation | 2,428 | 1.6% | 11.7% | 6.990% | +0.58 | $6,710 |
| 13 | Rate | 2,302 | 1.5% | 2.3% | 6.625% | +0.21 | $4,920 |
| 14 | loanDepot.com, LLC | 2,300 | 1.5% | 3.9% | 6.750% | +0.41 | $4,490 |
| 15 | Fairway Independent Mortgage Corporation | 2,248 | 1.5% | 2.5% | 6.750% | +0.43 | $5,320 |
| 16 | Wright-Patt Credit Union, Inc. | 2,156 | 1.4% | 2.8% | 6.625% | −0.28 | $3,740 |
| 17 | Pennymac Loan Services, LLC | 2,146 | 1.4% | 12.1% | 6.750% | +0.32 | $5,030 |
| 18 | NVR Mortgage Finance, Inc. | 1,793 | 1.2% | 17.3% | 6.500% | −0.15 | $2,920 |
| 19 | U.S. Bank, N.A. | 1,732 | 1.1% | 10.1% | 6.500% | +0.10 | $3,970 |
| 20 | Newrez LLC | 1,703 | 1.1% | 8.7% | 6.875% | +0.34 | $4,040 |
| 21 | Howard Hanna Financial Services, Inc. | 1,655 | 1.1% | 0.9% | 6.640% | +0.30 | $5,150 |
| 22 | Ruoff Mortgage Company, Inc. | 1,639 | 1.1% | 4.2% | 6.750% | +0.28 | $4,160 |
| 23 | Lower, LLC | 1,373 | 0.9% | 5.0% | 6.750% | +0.37 | $5,800 |
| 24 | PNC Bank, N.A. | 1,228 | 0.8% | 11.0% | 6.500% | +0.05 | $4,000 |
| 25 | The Park National Bank | 1,224 | 0.8% | 8.5% | 6.625% | +0.36 | $4,420 |
Largest lenders in Ohio by 2025 originations. Loans = home-purchase, refinance and cash-out originations (2025); share = share of those loans here; denial rate = home-purchase applications. *Medians for conventional home-purchase loans, shown with at least 20 loans; spread = APR minus the average prime offer rate at rate lock (percentage points); costs = total loan costs (section D).
Metro areas in Ohio
- Cincinnati, OH-KY-IN · 24,068 purchases
- Columbus, OH · 22,450 purchases
- Cleveland, OH · 19,771 purchases
- Dayton-Kettering-Beavercreek, OH · 8,975 purchases
- Akron, OH · 6,664 purchases
- Toledo, OH · 5,052 purchases
- Canton-Massillon, OH · 3,794 purchases
- Youngstown-Warren, OH · 3,672 purchases
- Huntington-Ashland, WV-KY-OH · 2,591 purchases
- Springfield, OH · 1,372 purchases
- Mansfield, OH · 1,112 purchases
- Sandusky, OH · 945 purchases
- Wheeling, WV-OH · 915 purchases
- Lima, OH · 890 purchases
- Weirton-Steubenville, WV-OH · 762 purchases
Source: FFIEC/CFPB HMDA 2025 public LAR; FHFA and HUD 2026 loan limits. Methodology