United States · 2024 originations

Ohio mortgage rates

Not an advertised rate, and not a quote — the median rate actually paid on conventional home purchases in Ohio, from the federal record of every mortgage application in the state.

The spread within one state

Between the 25th and 75th percentile sits 0.750 percentage points. Borrowers in Ohio taking essentially the same product in the same year paid rates that far apart — a function of credit profile, down payment, timing within the year, and which lender they walked into. The gap between shopping and not shopping is real, and this is its size.

What the Ohio median costs per month

Using the median rate paid in Ohio in 2024. Change the price, deposit or term to match your own situation — nothing is sent anywhere.

How this differs from every other rate you will see

Rate sites publish what lenders advertise. This is what borrowers paid, recorded under the Home Mortgage Disclosure Act, which requires lenders to report essentially every mortgage application in the country. It cannot be gamed by a promotional rate nobody qualifies for.

The trade is timeliness. HMDA publishes annually, roughly nineteen months in arrears — these are 2024 originations, not today's rates. For a current figure, see the daily credit-tier index. For what actually happened in a state, this is the only free source.

What is counted

Conventional, first-lien, principal-residence home purchases. Refinances, investment property, second liens and government-backed loans are excluded — they price differently, and mixing them would make the comparison between states meaningless. Roughly a quarter of records report no rate (lawfully exempt) and are omitted rather than guessed at.

Compare all 51 states →

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