Ohio Mortgage Rates Today
Here is your quote for a as in with a purchase price of and .
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- -Lender fees
- $0 guaranteed
- -Cost to buy a lower rate
- $4,695
- -Other closing costs
- $8,000-$12,000
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| Lender | Estimated avg. rate range* | Lender fees‡ | Customer reviews |
|---|---|---|---|
| Tomo Mortgage | 7.11% – 7.33% | $0 | Highly rated |
| Telhio Credit Union | 7.11% – 7.33% | $975 | Below average |
| AimLoan | 7.11% – 7.33% | $995 | Mixed reviews |
| PenFed Credit Union | 7.11% – 7.33% | $995 | Average |
| Seven Seventeen Credit Union | 7.11% – 7.33% | $1030 | Mixed Reviews |
| NJ Lenders Corp | 7.11% – 7.33% | $1125 | Highly rated |
| Affordable Mortgage Advisors | 7.33% – 7.52% | $1450 | — |
| American Neighborhood Mortgage | 7.33% – 7.52% | $1795 | — |
| American Pacific Mortgage Corp | 7.33% – 7.52% | $1690 | — |
| Benchmark Mortgage | 7.33% – 7.52% | $1095 | — |
| Bank of England | 7.33% – 7.52% | $1339 | — |
| Bayshore Mortgage Funding | 7.33% – 7.52% | $1495 | — |
| Capital Bank, N.A. | 7.33% – 7.52% | $1295 | — |
| CMG Mortgage Inc. | 7.33% – 7.52% | $1485 | — |
| Compass Mortgage, Inc. | 7.33% – 7.52% | $1549 | — |
| CrossCountry Mortgage, LLC | 7.33% – 7.52% | $1490 | — |
| DAS Acquisition Company, LLC | 7.33% – 7.52% | $1395 | — |
| Diamond Residential Mortgage Corp | 7.33% – 7.52% | $1175 | — |
| Digital Federal Credit Union | 7.33% – 7.52% | $695 | — |
| East Coast Capital | 7.33% – 7.52% | $2085 | — |
| Envoy Mortgage, Ltd. | 7.33% – 7.52% | $1460 | — |
| Evansville Teachers Federal Credit Union | 7.33% – 7.52% | $849 | — |
| Fairway Independent Mortgage Corp | 7.33% – 7.52% | $1595 | — |
| Farmers National Bank | 7.33% – 7.52% | $1495 | — |
| First Community Mortgage | 7.33% – 7.52% | $1470 | — |
| First Financial Bank | 7.33% – 7.52% | $1295 | — |
| Gateway First Bank | 7.33% – 7.52% | $1135 | — |
| Gold Star Mortgage Financial Group | 7.33% – 7.52% | $1250 | — |
| Guaranteed Rate Affinity, LLC | 7.33% – 7.52% | $1440 | — |
| Guaranteed Rate, Inc. | 7.33% – 7.52% | $1440 | — |
| Homeside Financial, LLC | 7.33% – 7.52% | $1365 | — |
| Huntington National Bank | 7.33% – 7.52% | $1088 | — |
| Intercoastal Mortgage, LLC | 7.33% – 7.52% | $1445 | — |
| Ixonia Bank | 7.33% – 7.52% | $1625 | — |
| LeaderOne Financial Corp. | 7.33% – 7.52% | $1446 | — |
| Michigan State University Federal Credit Union | 7.33% – 7.52% | $1195 | — |
| Mortgage300 Corporation | 7.33% – 7.52% | $1990 | — |
| Mutual of Omaha Mortgage | 7.33% – 7.52% | $1300 | — |
| Nations Lending Corporation | 7.33% – 7.52% | $1495 | — |
| Nations Reliable Lending LLC | 7.33% – 7.52% | $1780 | — |
| NFM, Inc | 7.33% – 7.52% | $1735 | — |
| Northpointe Bank | 7.33% – 7.52% | $1205 | — |
| On Q Financial, Inc. | 7.33% – 7.52% | $1395 | — |
| Planet Home Lending, LLC | 7.33% – 7.52% | $1590 | — |
| PrimeLending | 7.33% – 7.52% | $1385 | — |
| Republic State Mortgage Co. | 7.33% – 7.52% | $1499 | — |
| S&T Bank | 7.33% – 7.52% | $1150 | — |
| Success Mortgage Partners, Inc | 7.33% – 7.52% | $1430 | — |
| Summit Funding, Inc | 7.33% – 7.52% | $1694 | — |
| Synergy One Lending | 7.33% – 7.52% | $1590 | — |
| The Federal Savings Bank | 7.33% – 7.52% | $1498 | — |
| Three Rivers Federal Credit Union | 7.33% – 7.52% | $1054 | — |
| Union Bank | 7.33% – 7.52% | $1480 | — |
| US Mortgage Corporation | 7.33% – 7.52% | $1495 | — |
| V.I.P. Mortgage, Inc. | 7.33% – 7.52% | $1750 | — |
| Van Dyk Mortgage Corporation | 7.33% – 7.52% | $1495 | — |
| Victorian Finance, LLC | 7.33% – 7.52% | $1295 | — |
| Waterstone Mortgage Corporation | 7.33% – 7.52% | $1623 | — |
| Royal United Mortgage LLC | 7.52% – 7.67% | $1899 | Mixed reviews |
| United Mortgage Corp | 7.52% – 7.67% | $1890 | Mixed reviews |
*Lenders shown are those that TrueRate®, a Tomo Mortgage tool, estimates are likely to offer low rates in Ohio. Estimates are based on rate lock data from the last three years for 30-year fixed-rate conventional conforming purchase loans on primary residences, with FICO scores of 620–850 and LTVs up to 97%. These are historical locked rates, not current offers. Your rate will depend on factors such as credit score, loan-to-value ratio, loan amount, points paid, and market conditions.
‡ Fee estimates use 2024 HMDA loan data and Federal Reserve Bank of Philadelphia methodology, with adjustments for incomplete data; actual fees may vary. Tomo Mortgage charges no lender fees on purchase or refinance loans; third-party costs still apply.
Ohio's 30-year fixed rate today, October 28, 2026
Ohio lenders' average 30-year fixed interest rate ranged from 7.33% – 7.52% as of October 28, 2026, according to TrueRate. Freddie Mac's national 30-year fixed average was 7.40% as of October 15, 2026, unchanged from 7.40% the week before and 6.27% a year earlier (Freddie Mac PMMS).
Why Ohio rate figures differ by source
Ohio rate numbers disagree because each one describes a different borrower and price. Before you compare any of them to your quote, check whether it's an Ohio or national figure, who the borrower is, and whether points or assistance are built in.
Freddie Mac PMMS is a national average of applications for conventional purchase loans within conforming limits, from borrowers with good to excellent credit (Freddie Mac).
TrueRate by Tomo Mortgage compares Ohio lenders at their zero-point (par) rate, based on real rates given to home buyers over the last three years (TrueRate methodology).
Advertised rates can assume discount points, prepaid interest that lowers the rate. They aren't comparable to a zero-point quote.
Sizing up an Ohio mortgage quote
Request a zero-point quote and check it against TrueRate's Ohio range for your loan details on the same day. If your rate sits above the range, use that gap to negotiate or to get another offer.
Get same-day Loan Estimates. Rates shift daily, and the Loan Estimate is a standard federal form, so estimates from the same day compare directly. See what to check on a Loan Estimate.
Hold the terms equal. Match loan type, term, lock length, and discount points. An OHFA quote with assistance belongs next to other assistance quotes, or in a total-cost comparison.
Treat interest rate and APR as separate numbers. The interest rate sets principal and interest; the APR includes certain lender charges, so equal rates can carry different APRs.
Check Section A, Origination Charges. Points and origination fees are listed there.
Get pre-approved with Tomo Mortgage
Get startedWhat a quarter point means on an Ohio home
On a typical Ohio purchase, a quarter-point change in interest rate moves the monthly principal-and-interest payment by about $37. The example uses Ohio's statewide median sale price of $268,000 in August 2026, reported by Ohio REALTORS®.
- Loan amount after a 20% down payment: $214,400, repaid over 30 years (360 payments).
- At a 7.40% interest rate (Freddie Mac's national average as of October 15, 2026): $1,484.46 a month in principal and interest.
- At 7.65%: $1,521.20 a month, which is $36.74 more, or about $13,225 over all 360 payments.
(This illustrates principal and interest only and isn't an offer of credit. It excludes property taxes, homeowners insurance, and mortgage insurance, and assumes no points or fees.)
Ohio loans are among the smaller ones nationally. The average home-purchase loan originated in Ohio in 2025 was $281,720, compared with $404,190 nationally (HMDA data; mean of all originated purchase loans). On a smaller loan, a fixed-dollar lender fee is a bigger share of the cost, so compare fees as closely as rates. Check your own numbers with Tomo Mortgage's mortgage affordability calculator.
Ohio closing costs: the conveyance fee and timing
Ohio's transfer charge is a county conveyance fee that the seller pays, so a buyer's government costs at closing are mostly recording fees. Lender charges and third-party services make up the rest of your Loan Estimate.
Conveyance fee:
A mandatory 1 mill ($1 per $1,000 of value) in every county, plus a permissive county fee of up to 3 more mills. It's paid by the person who makes the sale (Ohio Department of Taxation). At the full 4 mills, that's $1,072 on a $268,000 home.
Recording fees:
Your county recorder charges for recording the deed and mortgage. Ask your title agency for the county's current schedule.
Tomo Mortgage's Ohio purchase loans close in 33.6 days on average. (Source: Tomo Mortgage, conventional loans measured across the last 12 months, measured as of October 2026)
Ohio property tax credits and insurance gaps
Property taxes and homeowners insurance come on top of principal and interest. In Ohio, one property tax credit has to be claimed by a filing deadline, and some parts of the state need coverage a standard policy leaves out.
Property tax:
Ohio taxes homes on 35% of appraised value (Butler County Auditor). The owner-occupancy credit cuts 2.5% off taxes from qualifying levies. To get it, you must own and live in the home on January 1 of the year you apply, and file Form DTE 105C with the county auditor by December 31 (Ohio Department of Taxation).
Flood and sewer backup:
Ohio's Department of Insurance lists flood and water damage from sewer backup or basement leaks among typical homeowners policy exclusions (Ohio Department of Insurance). Ask about a water backup endorsement and, near water, flood coverage.
Mine subsidence:
Most policies don't cover damage from collapsing underground mines. Ohio's program covers it in 37 counties, mandatory in 26 (a $1 annual premium) and optional in 11 ($5) (Ohio Department of Natural Resources).
Ohio mortgage rate FAQs
As of October 28, 2026, the average interest rate on a 30-year fixed conventional mortgage from Ohio lenders ranged from 7.33% – 7.52%, according to TrueRate. Your rate depends on your credit score, loan amount, down payment, loan type, and the number of discount points you pay.
The 2026 conforming limit for a one-unit home is $832,750 in Franklin County, which includes Columbus, and in all 88 Ohio counties, according to FHFA. Ohio has no high-cost counties.
Ohio's version is a conveyance fee, and it's paid by the seller. It's 1 mill ($1 per $1,000) statewide plus up to 3 mills more by county.
Tomo Mortgage's Ohio purchase loans have closed in 33.6 days on average. For comparison, the industry average is ~45 days.