Who has the best mortgage rates in Ohio?
I’m looking for a primary, single-family home in for , and credit score.
Insights
Negotiate everything—rates, fees, and terms are not set in stone.

Lenders with low rates in OH
TrueRate analyzed the rates lenders actually gave to buyers for the last three years and found only a few lenders likely to get you a good deal.
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Insights
Negotiate everything—rates, fees, and terms are not set in stone.

Lenders in OH likely to have high rates
We don’t accept advertising, so you can get the real lender story. TrueRate looked at 60 lenders and found that these lenders are likely to offer you a high rate.
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Insights
Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.

Lenders with average rates in OH
You deserve better than what these lenders historically provide.
Sorry, no lenders were found.
Methodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Don’t let lenders pull a fast one on you
Learn how really low rates often come with hidden fees. Drag the slider to see how rates and fees are connected.
Insights

TrueRate report
See how mortgage companies got home buyers to over-pay by billions.
Get the reportMethodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
It’s a good time to buy a home in Ohio
Ohio offers a completely different experience compared to high-cost states like California or New York. Even with interest rates climbing slightly in 2024, buying a home here doesn’t feel like a lifelong financial burden—and that’s a major advantage.
Interest rates in Ohio are generally in line with the national average for a 30-year fixed mortgage. But the real draw? Home prices are significantly more affordable. In many areas, you can find homes ranging from $250,000 to $400,000, especially in well-regarded suburbs around cities like Columbus, Cleveland, and Cincinnati. If you’re open to rural areas, there are even better deals available, offering excellent value for your money.
First-time homebuyers in Ohio also have access to strong support. The Ohio Housing Finance Agency (OHFA) provides programs that include down payment assistance, reduced mortgage insurance, and competitive interest rates. Buyers may also qualify for FHA or USDA loans, which require lower down payments. Veterans can take advantage of VA loans, offering favorable terms and even zero down payment in some cases.
It’s also important to know that housing markets vary across the state. Columbus is seeing rapid growth, with rising home prices driven by demand in tech and healthcare industries. Meanwhile, cities like Cleveland and Cincinnati offer more stability, with areas of development that could present strong investment opportunities over time.
In short, buying a home in Ohio is not only achievable—it’s considered by many to be a smart financial move for many. With reasonable interest rates, affordable home prices, and a wide range of buyer assistance programs, Ohio presents a solid path to homeownership without exhausting your savings.