Current Ohio Mortgage Rates
Average market rates for December 15, 2025 in Ohio are 6.28% for 30-year fixed purchase and 6.34% for 30-year fixed refinance
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.28% | 6.30% |
| 30-year Fixed Refinance | 6.34% | 6.36% |
Rates based on market averages as of Dec 14, 2025.Mortgage Rate Trends in Ohio
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.28% | 6.30% |
| 30-year Fixed Refinance | 6.34% | 6.36% |
Rates based on market averages as of Dec 14, 2025.Ohio Purchase Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Purchase | 5.41% | 5.46% |
| 15-year Fixed Jumbo Purchase | 6.21% | 6.23% |
| 30-year Fixed Purchase | 6.28% | 6.30% |
| 30-year Fixed Jumbo Purchase | 6.27% | 6.28% |
Rates based on market averages as of Dec 14, 2025.Ohio Refinance Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Refinance | 5.37% | 5.41% |
| 15-year Fixed Jumbo Refinance | 6.11% | 6.13% |
| 30-year Fixed Refinance | 6.34% | 6.36% |
| 30-year Fixed Jumbo Refinance | 6.24% | 6.25% |
Rates based on market averages as of Dec 14, 2025.Ohio ARM Rates
| Product | Rate | APR |
|---|
| 5/6 Arm (purchase) | 6.10% | 6.14% |
| 5/6 Arm (refinance) | 6.09% | 6.12% |
| 5/6 Jumbo Arm (purchase) | 5.89% | 5.90% |
| 5/6 Jumbo Arm (refinance) | 5.94% | 5.95% |
Rates based on market averages as of Dec 14, 2025.How we source rates and rate trends
×
Rate data in the charts and tables above comes from
RateUpdate.com.
The displayed rates come from multiple providers and represent market averages. Your mortgage rate will differ
based on individual factors like your credit score as well as differing loan types and terms offered by lenders.
Most Common Mortgage Types in Ohio
- Conventional: 101,200 loans
- FHA: 24,455 loans
- USDA: 2,168 loans
- VA: 9,661 loans
Top Purchase Lenders in Ohio by Volume
- The Huntington National Bank: 7,461 loans
- Crosscountry Mortgage, LLC: 7,380 loans
- Rocket Mortgage, LLC: 5,351 loans
- Third Federal Savings And Loan Association Of Cleveland: 4,639 loans
- Union Home Mortgage Corp.: 4,383 loans
- Fairway Independent Mortgage Corporation: 4,025 loans
- Union Savings Bank: 3,165 loans
- Fifth Third Bank: 3,081 loans
- Mortgage Research Center, LLC: 2,840 loans
- JPMorgan Chase Bank: 2,694 loans
Top Refinance Lenders in Ohio by Volume
- Fifth Third Bank: 6,616 loans
- PNC Bank: 3,218 loans
- The Huntington National Bank: 3,140 loans
- Third Federal Savings And Loan Association Of Cleveland: 2,248 loans
- Citizens Bank: 1,583 loans
- U.S. Bank: 1,544 loans
- Rocket Mortgage, LLC: 1,521 loans
- Keybank: 1,254 loans
- Union Savings Bank: 1,193 loans
- JPMorgan Chase Bank: 813 loans
Top Cash-Out Refinance Lenders in Ohio by Volume
- Rocket Mortgage, LLC: 8,573 loans
- The Huntington National Bank: 7,267 loans
- Nationstar Mortgage LLC: 1,704 loans
- Third Federal Savings And Loan Association Of Cleveland: 1,597 loans
- Loandepot.com, LLC: 1,591 loans
- Union Savings Bank: 1,426 loans
- JPMorgan Chase Bank: 1,362 loans
- Freedom Mortgage Corporation: 1,230 loans
- Kemba Financial: 785 loans
- Pennymac Loan Services, LLC: 759 loans
How we source lender data
Meet the Author
The Refi.com team is compiled of journalists, editors, and mortgage industry professionals to ensure you have the most accurate information on mortgage refinancing.
