Mortgage Rates Ohio (OH) for March 2026
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Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Ohio. Our editorial content is independent of any advertiser relationships.
Current 30-year fixed mortgage rates in Ohio as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: Akron Fire Police Credit UnionAkron Fire Police Credit Union1810 Buchholzer Blvd, Akron, OH, 44310A+5.0 ★Texas Ratio: 0.16% at 5.50%, Chicago Patrolmens Federal Credit UnionChicago Patrolmens Federal Credit Union1810 Buchholzer Blvd, Akron, OH, 44310A+5.0 ★Texas Ratio: 4.79% at 5.50%, Century Federal Credit UnionCentury Federal Credit Union101 W Prospect Ave, Cleveland, OH, 44070A+5.0 ★Texas Ratio: 4.21% at 5.89%, Baxter Credit UnionBaxter Credit Union7000 Cardinal Pl, Dublin, OH, 43017 1091A5.0 ★Texas Ratio: 7.73% at 6.00%, and Third Federal Savings and LoanThird Federal Savings and Loan10642 Lorain Ave, Avon, OH, 44011A+5.0 ★Texas Ratio: 1.96% at 5.99%.
Mortgage rates in Ohio (OH) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to Ohio borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Ohio Mortgage Rate Trends
Compare local Ohio mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
30-Year Fixed — OH Avg
6.467%
▲ 0.382 from last week
For buyers in Ohio, the broader Ohio 30-year fixed average mortgage rate rose 0.382 points this week to 6.467%, according to MonitorBankRates trend data.
15-Year Fixed — OH Avg
5.811%
▼ 1.960 from last week
For buyers in Ohio, the broader Ohio 15-year fixed average mortgage rate fell 1.960 points this week to 5.811%, according to MonitorBankRates trend data.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Mortgage Rates Today in Ohio
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Akron Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1810 Buchholzer Blvd, Akron, OH, 44310
30-Year Fixed Mortgage
5.50%
5.55%
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedMar 17, 2026
Details
Built-In End of Watch Loan Protection on Every Eligible Mortgage!**
Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1810 Buchholzer Blvd, Akron, OH, 44310
30-Year Fixed Mortgage
5.50%
5.55%
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedMar 18, 2026
Details
Promotional rate subject to credit qualification and program type (purchases and rate/term refinances vs. cash-out). End of Watch Loan Protection is available only for qualifying officer, firefighter or EMT and may not be purchased outright. This debt cancellation benefit only applies in the case of death. See loan addendum upon closing for details.
Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
101 W Prospect Ave, Cleveland, OH, 44070
30 Year Fixed-Rate Mortgage
30
5.89%
5.92%
▼
Rate5.89%
APR5.92%
Points0.000
UpdatedMar 18, 2026
Details
UP TO 80% LTV
Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
101 W Prospect Ave, Cleveland, OH, 44070
30 Year Fixed-Rate Mortgage-Loan
30
5.89%
5.92%
▼
Rate5.89%
APR5.92%
Points0.000
UpdatedMar 18, 2026
Details
UP TO 80% LTV
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7000 Cardinal Pl, Dublin, OH, 43017 1091
30-Year Fixed Mortgage
6.00%
6.00%
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
10642 Lorain Ave, Avon, OH, 44011
30 Year Fixed
5.99%
6.00%
▼
Rate5.99%
APR6.00%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Cincinnatus S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
1100 Harrison Ave, Cincinnati, OH, 45030
30 Year Fixed Rate
6.00%
6.07%
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
420 Greenville Rd, Saint Marys, OH, 45885 2809
30 Year Fixed (Conforming)
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
1100 W Fair Ave, Lancaster, OH, 43130
30 YEAR FIXED RATE
6.00%
6.13%
▼
Rate6.00%
APR6.13%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
505 King Ave, Columbus, OH, 43016 3248
30 Year Fixed
360
6.00%
6.13%
▼
Rate6.00%
APR6.13%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7000 Cardinal Pl, Dublin, OH, 43017 1091
30 Year Fixed
30
6.00%
6.16%
▼
Rate6.00%
APR6.16%
Points0.625
UpdatedMar 18, 2026
Details
As Low As
Savings Bank Circleville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1104 Eagleton Blvd, Ashville, OH, 43103
30-Year Fixed Mortgage
6.12%
6.22%
▼
Rate6.12%
APR6.22%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
420 Greenville Rd, Saint Marys, OH, 45885 2809
30 Year Fixed (Conforming)
6.12%
6.24%
▼
Rate6.12%
APR6.24%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3701 Montomgery Road, Blue Ash, OH, 45207
30-Year Fixed
360
6.10%
6.26%
▼
Rate6.10%
APR6.26%
Points0.566
UpdatedMar 15, 2026
Details
No additional details available.
Mercer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1100 Irmscher Blvd, Celina, OH, 45331
30 Year Fixed Rate
6.12%
6.27%
▼
Rate6.12%
APR6.27%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Minster Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
117 W Russell Rd, Dayton, OH, 45365
30 Year Fixed Rate
6.25%
6.29%
▼
Rate6.25%
APR6.29%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Main Street Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
120 N 4th St, Toronto, OH, 43964
30 Year Fixed
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.125
UpdatedMar 20, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3701 Montomgery Road, Blue Ash, OH, 45207
30-Year Fixed
360
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.927
UpdatedMar 15, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
10642 Lorain Ave, Avon, OH, 44011
30 Year Fixed No Cost
6.34%
6.34%
▼
Rate6.34%
APR6.34%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1000 N Main St, Akron, OH, 43537
30-Year Fixed Rate
6.25%
6.35%
▼
Rate6.25%
APR6.35%
Points0.500
UpdatedMar 18, 2026
Details
No additional details available.
Greenville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
100 E Main St, Ansonia, OH, 45303
30 Year Fixed Rate
30 Year
6.25%
6.35%
▼
Rate6.25%
APR6.35%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1001 S Reynolds Rd, Toledo, OH, 43615
30 Year Fixed
30 Year
6.25%
6.39%
▼
Rate6.25%
APR6.39%
Points0.000
UpdatedMar 11, 2026
Details
As Low As
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1000 N Main St, Akron, OH, 43537
30-Year Fixed Rate
6.38%
6.46%
▼
Rate6.38%
APR6.46%
Points0.375
UpdatedMar 18, 2026
Details
Rates shown include 0.125% autopay and paperless discount.
Rate6.38%
APR6.48%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1 E 4th St, Akron, OH, 43055
30-year fixed
6.38%
6.52%
▼
Rate6.38%
APR6.52%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Lynn Ave, Ada, OH, 43015
30-year fixed refinance
30-year
6.38%
6.54%
▼
Rate6.38%
APR6.54%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1275 N Main St, Bowling Green, OH, 43402 1342
30 Year Fixed Conventional
6.50%
6.54%
▼
Rate6.50%
APR6.54%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Main Street Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
120 N 4th St, Toronto, OH, 43964
30 Year Fixed
6.38%
6.64%
▼
Rate6.38%
APR6.64%
Points0.125
UpdatedMar 20, 2026
Details
No additional details available.
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1385 Andrews Ave, Lakewood, OH, 44107 2405
First Mortgage Loan* 30 year Fixed
30
8.50%
8.60%
▼
Rate8.50%
APR8.60%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
101 W Prospect Ave, Cleveland, OH, 44070
15 Year Fixed-Rate Mortgage
15
5.25%
5.30%
▼
Rate5.25%
APR5.30%
Points0.000
UpdatedMar 18, 2026
Details
UP TO 85% LTV
Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
101 W Prospect Ave, Cleveland, OH, 44070
15 Year Fixed-Rate Mortgage-Loan
15
5.25%
5.30%
▼
Rate5.25%
APR5.30%
Points0.000
UpdatedMar 18, 2026
Details
UP TO 85% LTV
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7000 Cardinal Pl, Dublin, OH, 43017 1091
15-Year Fixed Mortgage
5.38%
5.38%
▼
Rate5.38%
APR5.38%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
Cincinnatus S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
1100 Harrison Ave, Cincinnati, OH, 45030
15 Year Fixed Rate
5.38%
5.49%
▼
Rate5.38%
APR5.49%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
10642 Lorain Ave, Avon, OH, 44011
15 Year Fixed
5.49%
5.51%
▼
Rate5.49%
APR5.51%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
505 King Ave, Columbus, OH, 43016 3248
15 Year Fixed
180
5.38%
5.59%
▼
Rate5.38%
APR5.59%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7000 Cardinal Pl, Dublin, OH, 43017 1091
15 Year Fixed
15
5.38%
5.65%
▼
Rate5.38%
APR5.65%
Points0.750
UpdatedMar 18, 2026
Details
As Low As
Savings Bank Circleville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1104 Eagleton Blvd, Ashville, OH, 43103
15-Year Fixed Mortgage
5.50%
5.66%
▼
Rate5.50%
APR5.66%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3701 Montomgery Road, Blue Ash, OH, 45207
15-Year Fixed
180
5.38%
5.68%
▼
Rate5.38%
APR5.68%
Points0.902
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3701 Montomgery Road, Blue Ash, OH, 45207
15-Year Fixed
180
5.38%
5.70%
▼
Rate5.38%
APR5.70%
Points0.982
UpdatedMar 15, 2026
Details
No additional details available.
Minster Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.03%
117 W Russell Rd, Dayton, OH, 45365
15 Year Fixed Rate
5.62%
5.70%
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Main Street Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
120 N 4th St, Toronto, OH, 43964
15 Year Fixed
5.38%
5.72%
▼
Rate5.38%
APR5.72%
Points0.375
UpdatedMar 20, 2026
Details
No additional details available.
Mercer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
1100 Irmscher Blvd, Celina, OH, 45331
15 Year Fixed Rate
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1000 N Main St, Akron, OH, 43537
15-Year Fixed Rate
5.62%
5.76%
▼
Rate5.62%
APR5.76%
Points0.375
UpdatedMar 18, 2026
Details
Rates shown include 0.125% autopay and paperless discount.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1000 N Main St, Akron, OH, 43537
15-Year Fixed Rate
5.62%
5.77%
▼
Rate5.62%
APR5.77%
Points0.375
UpdatedMar 18, 2026
Details
No additional details available.
Greenville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
100 E Main St, Ansonia, OH, 45303
15 Year Fixed Rate
15 Year
5.62%
5.79%
▼
Rate5.62%
APR5.79%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
10642 Lorain Ave, Avon, OH, 44011
15 Year Fixed No Cost
5.84%
5.84%
▼
Rate5.84%
APR5.84%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1275 N Main St, Bowling Green, OH, 43402 1342
15 Year Fixed Conventional
5.88%
5.95%
▼
Rate5.88%
APR5.95%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
1100 W Fair Ave, Lancaster, OH, 43130
15 YEAR FIXED RATE
5.75%
5.96%
▼
Rate5.75%
APR5.96%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1001 S Reynolds Rd, Toledo, OH, 43615
15 Year Fixed
15 Year
5.75%
5.99%
▼
Rate5.75%
APR5.99%
Points0.000
UpdatedMar 11, 2026
Details
As Low As
Rate5.88%
APR6.04%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
420 Greenville Rd, Saint Marys, OH, 45885 2809
15 Year Fixed (Conforming)
5.88%
6.06%
▼
Rate5.88%
APR6.06%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1 E 4th St, Akron, OH, 43055
15-year fixed
6.00%
6.24%
▼
Rate6.00%
APR6.24%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1385 Andrews Ave, Lakewood, OH, 44107 2405
First Mortgage Loan* 15 year Fixed
15
8.00%
8.16%
▼
Rate8.00%
APR8.16%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
10485 Reading Rd, Blue Ash, OH, 45014 4124
Fixed Equity Rich Loan 15-year fixed
15-year
8.00%
8.20%
▼
Rate8.00%
APR8.20%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
101 W Prospect Ave, Cleveland, OH, 44070
3/1 ARM - 30 Year (up to 85% LTV)
4.60%
4.63%
▼
Rate4.60%
APR4.63%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
101 W Prospect Ave, Cleveland, OH, 44070
5/1 ARM - 30 Year (up to 85% LTV)
5.10%
5.13%
▼
Rate5.10%
APR5.13%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
101 W Prospect Ave, Cleveland, OH, 44070
7/1 ARM - 30 Year (up to 85% LTV)
5.35%
5.38%
▼
Rate5.35%
APR5.38%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
505 King Ave, Columbus, OH, 43016 3248
5/5 ARM
360
5.62%
5.73%
▼
Rate5.62%
APR5.73%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
101 W Prospect Ave, Cleveland, OH, 44070
15/15 ARM - 30 Year (up to 85% LTV)
5.75%
5.78%
▼
Rate5.75%
APR5.78%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
1017 Refugee Rd, Columbus, OH, 43026
30-year 5/1 ARM
5.00%
5.79%
▼
Rate5.00%
APR5.79%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Savings Bank Circleville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1104 Eagleton Blvd, Ashville, OH, 43103
5/1 Adjustable Rate Mortgage
5.50%
5.91%
▼
Rate5.50%
APR5.91%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
10642 Lorain Ave, Avon, OH, 44011
5/1 ARM (15 year)
5.44%
5.97%
▼
Rate5.44%
APR5.97%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
10642 Lorain Ave, Avon, OH, 44011
5/1 ARM (15 year)
5.44%
6.00%
▼
Rate5.44%
APR6.00%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Greenville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
100 E Main St, Ansonia, OH, 45303
3 Year Adjustable Rate
3 Year
5.75%
6.04%
▼
Rate5.75%
APR6.04%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Rate6.00%
APR6.10%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
10642 Lorain Ave, Avon, OH, 44011
5/1 ARM (15 year) Low Cost
5.74%
6.15%
▼
Rate5.74%
APR6.15%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7000 Cardinal Pl, Dublin, OH, 43017 1091
5/1 Year ARM
5.12%
6.17%
▼
Rate5.12%
APR6.17%
Points1.000
UpdatedMar 18, 2026
Details
As Low As
Greenville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
100 E Main St, Ansonia, OH, 45303
5 Year Adjustable Rate
5 Year
6.00%
6.18%
▼
Rate6.00%
APR6.18%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Lynn Ave, Ada, OH, 43015
Jumbo adjustable-rate mortgage (ARM) loans 5/1 yr
5/1 yr
5.75%
6.20%
▼
Rate5.75%
APR6.20%
Points0.680
UpdatedMar 15, 2026
Details
No additional details available.
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
505 King Ave, Columbus, OH, 43016 3248
5/1 ARM
360
5.38%
6.20%
▼
Rate5.38%
APR6.20%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Lynn Ave, Ada, OH, 43015
Jumbo adjustable-rate mortgage (ARM) loans 7/1 yr
7/1 yr
5.88%
6.21%
▼
Rate5.88%
APR6.21%
Points0.760
UpdatedMar 15, 2026
Details
No additional details available.
Greenville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
100 E Main St, Ansonia, OH, 45303
10/1 Year Adjustable Rate
10/1 Year
6.25%
6.22%
▼
Rate6.25%
APR6.22%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
505 King Ave, Columbus, OH, 43016 3248
7/1 ARM
360
5.75%
6.26%
▼
Rate5.75%
APR6.26%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Lynn Ave, Ada, OH, 43015
Conforming adjustable-rate mortgage (ARM) loans 7/6 mo
7/6 mo
5.88%
6.29%
▼
Rate5.88%
APR6.29%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
10642 Lorain Ave, Avon, OH, 44011
3/1 ARM (15 year)
5.59%
6.29%
▼
Rate5.59%
APR6.29%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
1100 W Fair Ave, Lancaster, OH, 43130
30 YEAR 5/1 ARM
5.50%
6.31%
▼
Rate5.50%
APR6.31%
Points0.000
UpdatedMar 18, 2026
Details
Intro rate expires: 60 Months
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
10642 Lorain Ave, Avon, OH, 44011
3/1 ARM (15 year)
5.59%
6.32%
▼
Rate5.59%
APR6.32%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
10642 Lorain Ave, Avon, OH, 44011
5/1 ARM (30 year)
5.64%
6.32%
▼
Rate5.64%
APR6.32%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Lynn Ave, Ada, OH, 43015
Jumbo adjustable-rate mortgage (ARM) loans 10/1 yr
10/1 yr
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.725
UpdatedMar 15, 2026
Details
No additional details available.
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
505 King Ave, Columbus, OH, 43016 3248
3/1 ARM
360
5.25%
6.33%
▼
Rate5.25%
APR6.33%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
New Foundation SB
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
8249 Clara Ave, Cincinnati, OH, 45239
3/1 ARM
6.25%
6.33%
▼
Rate6.25%
APR6.33%
Points0.000
UpdatedMar 15, 2026
Details
floor rate
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
10642 Lorain Ave, Avon, OH, 44011
5/1 ARM (30 year)
5.64%
6.33%
▼
Rate5.64%
APR6.33%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Lynn Ave, Ada, OH, 43015
Conforming adjustable-rate mortgage (ARM) loans 10/6 mo
10/6 mo
6.12%
6.38%
▼
Rate6.12%
APR6.38%
Points0.936
UpdatedMar 15, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
10642 Lorain Ave, Avon, OH, 44011
3/1 ARM (15 year) Low Cost
5.89%
6.41%
▼
Rate5.89%
APR6.41%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1385 Andrews Ave, Lakewood, OH, 44107 2405
First Mortgage Loan* 5 yr Adjustable
5
7.00%
6.43%
▼
Rate7.00%
APR6.43%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
10642 Lorain Ave, Avon, OH, 44011
5/1 ARM (30 year) Low Cost
5.94%
6.43%
▼
Rate5.94%
APR6.43%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
New Foundation SB
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
8249 Clara Ave, Cincinnati, OH, 45239
5/1 ARM
6.38%
6.46%
▼
Rate6.38%
APR6.46%
Points0.000
UpdatedMar 15, 2026
Details
floor rate
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
10642 Lorain Ave, Avon, OH, 44011
3/1 ARM (30 year)
5.64%
6.47%
▼
Rate5.64%
APR6.47%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
10642 Lorain Ave, Avon, OH, 44011
3/1 ARM (30 year)
5.64%
6.49%
▼
Rate5.64%
APR6.49%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
10642 Lorain Ave, Avon, OH, 44011
3/1 ARM (30 year) Low Cost
5.94%
6.55%
▼
Rate5.94%
APR6.55%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
690 Schrock Rd, Columbus, OH, 43229 1123
Adjustable Rate Mortgage 5/6mo ARM
5.62%
6.88%
▼
Rate5.62%
APR6.88%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
690 Schrock Rd, Columbus, OH, 43229 1123
Jumbo 5/6mo ARM
5.62%
6.88%
▼
Rate5.62%
APR6.88%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
1017 Refugee Rd, Columbus, OH, 43026
Non-Owner Occupied 15-year 5/1 ARM
6.40%
7.05%
▼
Rate6.40%
APR7.05%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
690 Schrock Rd, Columbus, OH, 43229 1123
Adjustable Rate Mortgage 7/6mo ARM FTHB
6.12%
7.13%
▼
Rate6.12%
APR7.13%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Hopewell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1690 N 21st St, Heath, OH, 43031 9580
5:1 ARM
5.99%
7.43%
▼
Rate5.99%
APR7.43%
Points0.000
UpdatedMar 16, 2026
Details
As Low As; After the five year fixed rate period the interest rate adjusts annually. The adjustment not to exceed 2.00% and will not increase more than 6.00% from the rate of issue, will not fall below 4.00%. APR calculated with a $200,000 loan with a 5% down payment and a monthly payment of $1,107.59, a 30 year term at 5.99% interest rate, 7.426% APR as of 10/19/23. APR can change depending on fees.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
690 Schrock Rd, Columbus, OH, 43229 1123
Jumbo 15-Year
15
5.88%
6.07%
▼
Rate5.88%
APR6.07%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7000 Cardinal Pl, Dublin, OH, 43017 1091
Jumbo 30 Year Fixed
30
6.12%
6.26%
▼
Rate6.12%
APR6.26%
Points1.000
UpdatedMar 18, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Lynn Ave, Ada, OH, 43015
Jumbo loans 15-year
15-year
6.25%
6.49%
▼
Rate6.25%
APR6.49%
Points0.640
UpdatedMar 15, 2026
Details
No additional details available.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
690 Schrock Rd, Columbus, OH, 43229 1123
Jumbo 30-Year
30
6.38%
6.49%
▼
Rate6.38%
APR6.49%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Lynn Ave, Ada, OH, 43015
Jumbo loans 20-year
20-year
6.38%
6.58%
▼
Rate6.38%
APR6.58%
Points0.735
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Lynn Ave, Ada, OH, 43015
Jumbo loans 30-year
30-year
6.50%
6.65%
▼
Rate6.50%
APR6.65%
Points0.685
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3701 Montomgery Road, Blue Ash, OH, 45207
30-Year Jumbo
360
6.97%
7.11%
▼
Rate6.97%
APR7.11%
Points0.815
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
10761 Pippin Rd, Blue Ash, OH, 45042
30-Year FHA
30-Year
6.25%
6.38%
▼
Rate6.25%
APR6.38%
Points0.125
UpdatedMar 16, 2026
Details
No additional details available.
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
10761 Pippin Rd, Blue Ash, OH, 45042
15-Year FHA
15-Year
6.25%
6.47%
▼
Rate6.25%
APR6.47%
Points0.125
UpdatedMar 16, 2026
Details
No additional details available.
First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1 E 4th St, Akron, OH, 43055
30-year fixed FHA
5.88%
6.71%
▼
Rate5.88%
APR6.71%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Lynn Ave, Ada, OH, 43015
Federal Housing Administration (FHA) loans 30-year
30-year
5.88%
6.76%
▼
Rate5.88%
APR6.76%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
1205 E Kibby St, Amelia, OH, 43326
FHA Home Loan
6.62%
6.77%
▼
Rate6.62%
APR6.77%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3701 Montomgery Road, Blue Ash, OH, 45207
30-Year FHA
360
5.70%
6.91%
▼
Rate5.70%
APR6.91%
Points0.767
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Lynn Ave, Ada, OH, 43015
Veterans Affairs (VA) loans 30-year
30-year
6.12%
6.46%
▼
Rate6.12%
APR6.46%
Points0.509
UpdatedMar 15, 2026
Details
No additional details available.
First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1 E 4th St, Akron, OH, 43055
30-year fixed VA
6.12%
6.69%
▼
Rate6.12%
APR6.69%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
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The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Ohio directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Ohio. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in OH.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Ohio
How does my credit score affect my rate in Ohio?
Your credit score is a major factor. Generally, borrowers in Ohio with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Ohio because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in Ohio?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Ohio, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in Ohio, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in Ohio?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Ohio, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in Ohio?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Ohio offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in Ohio?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in Ohio?
- Akron Fire Police Credit Union: 5.50% (30-Year Fixed Mortgage)
- Chicago Patrolmens Federal Credit Union: 5.50% (30-Year Fixed Mortgage)
- Century Federal Credit Union: 5.89% (30 Year Fixed-Rate Mortgage)
- Baxter Credit Union: 6.00% (30-Year Fixed Mortgage)
- Third Federal Savings and Loan: 5.99% (30 Year Fixed)
Mortgage Rates reflect actual verified offers from lenders actively lending to Ohio borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Ohio Rates & Resources
Mortgage Rates by City in Ohio
