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Refinance Rate Trends

Tiltonsville, Ohio Refinance Rates - September 2026

Current mortgage refinance rates in Tiltonsville, Ohio include U.S. BankU.S. BankA5.0 ★Texas Ratio: 8.65% at 6.99%, GenFed Financial Credit UnionGenFed Financial Credit UnionA+5.0 ★Texas Ratio: 3.81% at 5.49%, Savings Bank Circleville, OHSavings Bank Circleville, OHA+5.0 ★Texas Ratio: 1.59% at 6.00%, Century Federal Credit UnionCentury Federal Credit UnionA+5.0 ★Texas Ratio: 3.70% at 6.60%, and Fairfield Federal S&L of LancasterFairfield Federal S&L of LancasterA+5.0 ★Texas Ratio: 1.31% at 6.50%. Refinance rates as of September 15, 2026 according to verified data from MonitorBankRates.

Tiltonsville homeowners can compare 75 refinance rates from 26 lenders serving the Ohio area, with refinance rates as low as 5.49% from GenFed Financial Credit Union. Lenders below quote one rate for purchase and refinance loans. Use the tabs below to compare available loan types, then run the break-even calculator. Rates are continually updated, so we recommend checking back frequently.

Refinance rates reflect actual verified offers from lenders actively lending to Ohio homeowners. Your final approved rate will depend on your credit profile, loan-to-value ratio, cash-out amount, and daily market movements. Last Updated and Verified: September 15, 2026

Compare Refinance Rates for Sep. 16, 2026

Compare Refinance Rates Today in Tiltonsville, Ohio & the Surrounding Area

Rates shown are each lender’s posted rate for that loan type, which most lenders apply to purchase and refinance loans alike. Local Tiltonsville, OH lenders are listed first in every tab. Among lenders that post both, refinance pricing currently runs about 0.091 points above the same lender’s purchase rate nationally. That premium is shown for context only; every rate in the table is the lender’s posted rate.

Tiltonsville 30 Year Fixed Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
30-year fixed refinance
30-year
6.99%
7.17%
Rate6.99%
APR7.17%
Points0.907
UpdatedSep 14, 2026
Details

Learn how these rates and APRs are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example. Get more details.

GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
30 Year Mortgage (Fixed)
30 Year
5.49%
5.49%
Rate5.49%
APR5.49%
Points0.000
UpdatedSep 14, 2026
Details

Rates include all possible discounts. Contact us to determine which discounts apply to you.

Savings Bank Circleville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
5/1 Adjustable Rate Mortgage (ARM) with 30-Yr Amortization
30-Yr Amortization
6.00%
6.56%
Rate6.00%
APR6.56%
Points0.000
UpdatedSep 15, 2026
Details

Rate, APR and Payment Details; The APR is effective September 9, 2026, and assumes a down payment of 20%. The monthly payment schedule based on current market conditions is listed below. The interest on this mortgage can change after consummation. Your actual payments will be based on market conditions at the time of interest rate changes per the terms of your loan agreement. These payments are based on a $160,000 loan. Payments amounts do not include amounts for taxes and insurance and actual payment obligation may be greater. This is an Adjustable-Rate Mortgage (ARM) which means your interest rate and monthly payments may change during the life of your ARM loan. The interest rate will be determined by means of an index that may change from time to time. Actual APR is variable for the life of the loan and will be based on the U.S. Treasury One Year Rate in effect, plus a margin of 0.125 percent. Your loan has an initial interest rate discount; therefore, the initial rate being offered will not be based on the Index plus a margin interest rate formula used to make later adjustments. You should note, however, that because your initial interest rate will be discounted, your interest rate may increase on the first Change Date even if the Index remains the same or decreases. Your loan has "caps" which limit the amount of interest adjustments. Your interest rate under the ARM loan can change after 60 months and every 12 months thereafter. Your interest rate cannot increase or decrease more than 2.00 percentage points at the first adjustment, and 2.00 percentage points per subsequent adjustment from the initial interest rate. Your interest rate will never be greater than 12.0% ("Lifetime Interest Rate Cap") percentage points above the initial interest rate, nor lower than the initial interest rate offered.

Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
30 Year Fixed-Rate Mortgage
30 Year
6.60%
6.63%
Rate6.60%
APR6.63%
Points0.000
UpdatedSep 14, 2026
Details

UP TO 80% LTV

Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
30 YEAR FIXED RATE
360 months
6.50%
6.63%
Rate6.50%
APR6.63%
Points0.000
UpdatedSep 15, 2026
Details

Principal and Interest payment only. Taxes and insurance not included. Your monthly obligation may be higher.

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
30 Year Fixed Rate
30 Year
6.62%
6.70%
Rate6.62%
APR6.70%
Points0.000
UpdatedSep 7, 2026
Details

The annual percentage rates (APR) displayed assume a loan amount of $150,000, 20% down and 30 days prepaid interest. You will incur additional closing costs. Prepaid finance charges, which are used in the calculation of the APR, are estimated to be $1,860 (these include the flood search, origination charge, discount points and closing service letter fee). The annual percentage rates (APR) does not include private mortgage insurance because the amount will vary depending upon your loan to value and other factors. Please contact us at 1-877-261-2820 or [email protected] to learn about how private mortgage insurance may affect your loan and other closing costs you will incur.

Cincinnatus S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
30 Year Fixed Rate
30 Year Fixed
6.62%
6.72%
Rate6.62%
APR6.72%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Mercer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
30 Year Fixed Rate
6.62%
6.77%
Rate6.62%
APR6.77%
Points0.000
UpdatedSep 15, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
30 Year Fixed Mortgage
30 Year Fixed
6.62%
6.83%
Rate6.62%
APR6.83%
Points1.000
UpdatedSep 14, 2026
Details

Rate as low as; Payment: 1,536.75 *

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
Conventional 30-Year Fixed
30 Years
6.88%
6.88%
Rate6.88%
APR6.88%
Points0.000
UpdatedSep 12, 2026
Details

Advertised rates shown based on a 780+ credit score, 25% down payment, and 0.125% discount for auto-pay deducted from United Ultra or Free Checking account each month. Payment example, $250,000 financed for 360 months at a fixed rate of 6.875% APR equals a monthly payment of $1,642.32. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
30 Year Fixed Rate Mortgage
30 Year Fixed
6.88%
6.88%
Rate6.88%
APR6.88%
Points0.000
UpdatedSep 14, 2026
Details

Rates may include points. See All Mortgage Rates for details.

BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
Home Mortgage Loans in Central Ohio | BMI FCU - 30 Year Fixed
360 mos.
6.75%
6.89%
Rate6.75%
APR6.89%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
Mortgages - 30 Year Fixed
360 mos.
6.75%
6.89%
Rate6.75%
APR6.89%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

CLEARVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
30 Year Fixed-Rate Mortgage
30 Year Fixed
6.90%
6.90%
Rate6.90%
APR6.90%
Points0.000
UpdatedSep 14, 2026
Details

As Low As; 30 Year Fixed-Rate Mortgage

Wayne Savings Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
30 Year Fixed
6.75%
6.97%
Rate6.75%
APR6.97%
Points0.250
UpdatedSep 14, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
30 Year Fixed
360 Months
6.88%
7.04%
Rate6.88%
APR7.04%
Points0.625
UpdatedSep 14, 2026
Details

Payment is based on a $240,000 loan at 80% loan-to-value, purchase of a single-family residence. The posted rates are subject to change without notice. The posted mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history.

The Andover Bank
Institution Rating:
A4.5 ★Texas Ratio: 1.91%
30 Year Fixed Rate Mortgage
30 Year Fixed Rate
7.00%
7.10%
Rate7.00%
APR7.10%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Greenville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
30 Year Fixed Rate Mortgage
30 Year Fixed Rate
7.00%
7.11%
Rate7.00%
APR7.11%
Points0.000
UpdatedSep 15, 2026
Details

No additional details available.

Minster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
30 Year Fixed Rate Conventional Loan
30 Year
7.12%
7.20%
Rate7.12%
APR7.20%
Points0.000
UpdatedSep 15, 2026
Details

No additional details available.

Wayne Savings Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
30 Year Fixed
7.00%
7.25%
Rate7.00%
APR7.25%
Points0.250
UpdatedSep 14, 2026
Details

No additional details available.

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
30-Year Fixed Mortgage
30 Year
7.00%
7.27%
Rate7.00%
APR7.27%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Vinton County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
30 Year Fixed Rate Mortgage
30 Year
7.25%
7.34%
Rate7.25%
APR7.34%
Points0.000
UpdatedSep 15, 2026
Details

No additional details available.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
30-Year Fixed Rate
30 years
7.25%
7.34%
Rate7.25%
APR7.34%
Points0.375
UpdatedSep 15, 2026
Details

Rates listed include 0.125% autopay and paperless discount. Rates are for conforming purchase loans, are effective as of 09/11/2026 3:50 PM CT and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply.

Tiltonsville 15 Year Fixed Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
15-year fixed refinance
15-year
6.38%
6.66%
Rate6.38%
APR6.66%
Points0.931
UpdatedSep 14, 2026
Details

Learn how these rates and APRs are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example. Get more details.

Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
First Mortgage 15 Year Fixed Rate
180 months
5.25%
5.25%
Rate5.25%
APR5.25%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
15 Year Fixed Rate
15 Year
5.88%
5.92%
Rate5.88%
APR5.92%
Points0.000
UpdatedSep 7, 2026
Details

The annual percentage rates (APR) displayed assume a loan amount of $150,000, 20% down and 30 days prepaid interest. You will incur additional closing costs. Prepaid finance charges, which are used in the calculation of the APR, are estimated to be $1,860 (these include the flood search, origination charge, discount points and closing service letter fee). The annual percentage rates (APR) does not include private mortgage insurance because the amount will vary depending upon your loan to value and other factors. Please contact us at 1-877-261-2820 or [email protected] to learn about how private mortgage insurance may affect your loan and other closing costs you will incur.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
15 Year Fixed Rate Mortgage
15 Year Fixed
6.12%
6.12%
Rate6.12%
APR6.12%
Points0.000
UpdatedSep 14, 2026
Details

Get peace of mind with predictable monthly payments. Both traditional and short-term options available.

Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
15 Year Fixed-Rate Mortgage
15 Year
6.15%
6.20%
Rate6.15%
APR6.20%
Points0.000
UpdatedSep 14, 2026
Details

UP TO 85% LTV

Cincinnatus S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
15 Year Fixed Rate
15 Year Fixed
6.12%
6.25%
Rate6.12%
APR6.25%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
15 Year Fixed
15 Year Fixed
6.00%
6.28%
Rate6.00%
APR6.28%
Points0.750
UpdatedSep 14, 2026
Details

Payment: 2,025.26*

BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
Home Mortgage Loans in Central Ohio | BMI FCU - 15 Year Fixed
180 mos.
6.12%
6.35%
Rate6.12%
APR6.35%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
Mortgages - 15 Year Fixed
180 mos.
6.12%
6.35%
Rate6.12%
APR6.35%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Mercer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
15 Year Fixed Rate
6.12%
6.36%
Rate6.12%
APR6.36%
Points0.000
UpdatedSep 15, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
15 Year Fixed
180 Months
6.12%
6.43%
Rate6.12%
APR6.43%
Points0.875
UpdatedSep 14, 2026
Details

Payment is based on a $240,000 loan at 80% loan-to-value, purchase of a single-family residence. The posted rates are subject to change without notice. The posted mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history.

Wayne Savings Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
15 Year Fixed
6.12%
6.46%
Rate6.12%
APR6.46%
Points0.125
UpdatedSep 14, 2026
Details

No additional details available.

Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
15 YEAR FIXED RATE
180 months
6.25%
6.47%
Rate6.25%
APR6.47%
Points0.000
UpdatedSep 15, 2026
Details

Principal and Interest payment only. Taxes and insurance not included. Your monthly obligation may be higher.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
15-Year Fixed Rate
15 years
6.25%
6.49%
Rate6.25%
APR6.49%
Points1.000
UpdatedSep 15, 2026
Details

Rates listed include 0.125% autopay and paperless discount. Rates are for conforming refinance loans, are effective as of 09/11/2026 3:50 PM CT and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply.

The Andover Bank
Institution Rating:
A4.5 ★Texas Ratio: 1.91%
15 Year Fixed Rate Mortgage
15 Year Fixed Rate
6.38%
6.53%
Rate6.38%
APR6.53%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Greenville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
15 Year Fixed Rate Mortgage
15 Year Fixed Rate
6.38%
6.54%
Rate6.38%
APR6.54%
Points0.000
UpdatedSep 15, 2026
Details

No additional details available.

Minster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
15 Year Fixed Rate Conventional Loan
15 Year
6.62%
6.74%
Rate6.62%
APR6.74%
Points0.000
UpdatedSep 15, 2026
Details

No additional details available.

Vinton County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
15 Year Fixed Rate Mortgage
15 Year
6.62%
6.76%
Rate6.62%
APR6.76%
Points0.000
UpdatedSep 15, 2026
Details

No additional details available.

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
15-Year Fixed Mortgage
15 Year
6.50%
6.90%
Rate6.50%
APR6.90%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Tiltonsville 5/1 ARM Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
5/1 Adjustable-Rate Mortgage (ARM)
5/1 Year ARM
5.50%
5.50%
Rate5.50%
APR5.50%
Points0.000
UpdatedSep 14, 2026
Details

Enjoy a low initial rate that adjusts with the market. Various terms and options available.

Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5/1 ARM - 30 Year
30 Year
5.65%
5.68%
Rate5.65%
APR5.68%
Points0.000
UpdatedSep 14, 2026
Details

up to 85% LTV

Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
Adjustable-Rate Mortgages (ARMs) - 5/5 (15-year term)
15-year
5.88%
5.88%
Rate5.88%
APR5.88%
Points0.000
UpdatedSep 12, 2026
Details

As Low As; 5/5 ARM

CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
30-year 5/1 ARM
5.35%
6.11%
Rate5.35%
APR6.11%
Points0.000
UpdatedSep 14, 2026
Details

(2)

Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
Adjustable-Rate Mortgages (ARMs) - 5/5 (20-year term)
20-year
6.12%
6.12%
Rate6.12%
APR6.12%
Points0.000
UpdatedSep 12, 2026
Details

As Low As; 5/5 ARM

Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Hybrid Adjustable - 5/1/30 Loan
6.12%
6.12%
Rate6.12%
APR6.12%
Points0.000
UpdatedSep 12, 2026
Details

NY ONLY - APR* as low as (0 pts.): 6.000%

BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
Home Mortgage Loans in Central Ohio | BMI FCU - 5/5 ARM
360 mos.
5.62%
6.23%
Rate5.62%
APR6.23%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
Mortgages - 5/5 ARM
360 mos.
5.62%
6.23%
Rate5.62%
APR6.23%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
Adjustable-Rate Mortgages (ARMs) - 5/5 (30-year term)
30-year
6.38%
6.38%
Rate6.38%
APR6.38%
Points0.000
UpdatedSep 12, 2026
Details

As Low As; 5/5 ARM

BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
Home Mortgage Loans in Central Ohio | BMI FCU - 5/1 ARM
360 mos.
5.38%
6.52%
Rate5.38%
APR6.52%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
Mortgages - 5/1 ARM
360 mos.
5.38%
6.52%
Rate5.38%
APR6.52%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
5/1 Year ARM Mortgage
5/1 Year ARM
5.38%
6.54%
Rate5.38%
APR6.54%
Points1.000
UpdatedSep 14, 2026
Details

Rate as low as; Payment: 1,343.93 *

Savings Bank Circleville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
5/1 Adjustable Rate Mortgage (ARM) with 30-Yr Amortization
30-Yr Amortization
6.00%
6.56%
Rate6.00%
APR6.56%
Points0.000
UpdatedSep 15, 2026
Details

Rate, APR and Payment Details; The APR is effective September 9, 2026, and assumes a down payment of 20%. The monthly payment schedule based on current market conditions is listed below. The interest on this mortgage can change after consummation. Your actual payments will be based on market conditions at the time of interest rate changes per the terms of your loan agreement. These payments are based on a $160,000 loan. Payments amounts do not include amounts for taxes and insurance and actual payment obligation may be greater. This is an Adjustable-Rate Mortgage (ARM) which means your interest rate and monthly payments may change during the life of your ARM loan. The interest rate will be determined by means of an index that may change from time to time. Actual APR is variable for the life of the loan and will be based on the U.S. Treasury One Year Rate in effect, plus a margin of 0.125 percent. Your loan has an initial interest rate discount; therefore, the initial rate being offered will not be based on the Index plus a margin interest rate formula used to make later adjustments. You should note, however, that because your initial interest rate will be discounted, your interest rate may increase on the first Change Date even if the Index remains the same or decreases. Your loan has "caps" which limit the amount of interest adjustments. Your interest rate under the ARM loan can change after 60 months and every 12 months thereafter. Your interest rate cannot increase or decrease more than 2.00 percentage points at the first adjustment, and 2.00 percentage points per subsequent adjustment from the initial interest rate. Your interest rate will never be greater than 12.0% ("Lifetime Interest Rate Cap") percentage points above the initial interest rate, nor lower than the initial interest rate offered.

Century Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
15/15 ARM - 30 Year
30 Year
6.55%
6.58%
Rate6.55%
APR6.58%
Points0.000
UpdatedSep 14, 2026
Details

up to 85% LTV

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
5/1 Year ARM
360 Months
5.50%
6.59%
Rate5.50%
APR6.59%
Points1.000
UpdatedSep 14, 2026
Details

Initial Interest Rate: 5.500%. Fully Indexed Rate: 6.985%. Maximum Interest Rate: 10.500%. Months to First Rate Adjustment: 60 Months. Interest Only Term: 0 Months. Payment is based on a $240,000 loan at 80% loan-to-value, purchase of a single-family residence. The posted rates are subject to change without notice. The posted mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history.

Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
30 YEAR 5/1 ARM
360 months
6.00%
6.87%
Rate6.00%
APR6.87%
Points0.000
UpdatedSep 15, 2026
Details

Introductory rate for 5 years, then a variable rate of at least 4.99% for 25 years. The Annual Percentage Rate may increase after the loan is closed. Principal and Interest payment only. Taxes and insurance not included. Your monthly obligation may be higher.

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
5/6mo ARM
5/6mo
5.75%
7.03%
Rate5.75%
APR7.03%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
Non-Owner Occupied 15-year 5/1 ARM
6.75%
7.38%
Rate6.75%
APR7.38%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Tiltonsville 30-Year Jumbo Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
Jumbo 3/1 ARM
3/1 ARM
5.50%
5.64%
Rate5.50%
APR5.64%
Points0.000
UpdatedSep 12, 2026
Details

Advertised rate of Jumbo 3/1 ARM and Jumbo 30-year fixed rate are based on a $1,000,000 loan amount. Jumbo 3/1 ARM Payment Example (based on $1,000,000 loan amount): $1,000,000 financed for 360 months at an initial rate of 5.50% and 5.64% APR results in an initial monthly principal and interest payment of $5,677.89 for the first 36 months. After the initial 3 years, the fully indexed Annual Percentage Rate (APR), based on rates as of 03/01/2026, of 6.25% is in effect for the remaining 324 months and can change once every year for the remaining life of the loan. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Rates are variable and subject to change after 3 years and your payment may increase or decrease as rates change

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
Jumbo 30-Year Fixed
30 Years
6.00%
6.14%
Rate6.00%
APR6.14%
Points0.000
UpdatedSep 12, 2026
Details

Advertised rate of Jumbo 3/1 ARM and Jumbo 30-year fixed rate are based on a $1,000,000 loan amount. Jumbo 30-Year Fixed Payment Example (based on $1,000,000 loan amount): $1,000,000 financed for 360 months at a fixed rate of 6.00% and 6.14% APR equals a monthly principal and interest payment of $5,995.51. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
Jumbo 30 Year Fixed Mortgage
Jumbo 30 Year Fixed
6.25%
6.39%
Rate6.25%
APR6.39%
Points1.000
UpdatedSep 14, 2026
Details

Rate as low as; **Rate as low as 6.250%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
Jumbo Loan
Jumbo 30 Year Fixed
6.62%
6.62%
Rate6.62%
APR6.62%
Points0.000
UpdatedSep 14, 2026
Details

Finance higher-priced homes without a large down payment or multiple mortgages.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
Jumbo 30 Year Fixed
360 Months
6.62%
6.77%
Rate6.62%
APR6.77%
Points1.000
UpdatedSep 14, 2026
Details

Payment is based on a $726,300 loan at 80% loan-to-value, purchase of a single-family residence. The posted rates are subject to change without notice. The posted mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
Jumbo adjustable-rate mortgage (ARM) 7/1 yr
7/1 yr
6.50%
6.85%
Rate6.50%
APR6.85%
Points0.890
UpdatedSep 14, 2026
Details

ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term. Learn how these rates, APRs and monthly payments are calculated. Plus, see an ARM estimated monthly payment and APR example. Get more details.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
Jumbo adjustable-rate mortgage (ARM) 10/1 yr
10/1 yr
6.88%
7.02%
Rate6.88%
APR7.02%
Points0.630
UpdatedSep 14, 2026
Details

ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term. Learn how these rates, APRs and monthly payments are calculated. Plus, see an ARM estimated monthly payment and APR example. Get more details.

Tiltonsville 15-Year Jumbo Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
15-Year JUMBO loan
15 Year
6.50%
6.83%
Rate6.50%
APR6.83%
Points0.000
UpdatedSep 14, 2026
Details

Rates effective September 11, 2026. Rates, and terms and conditions subject to change without notice on new loans. Rates posted are estimates only and are subject to change without notice. Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan. The quotes above are based on a specific loan amount for the purchase of a single family primary residence. 3) 15 and 30 Year JUMBO loan payments are based on a $806,500.00 loan amount

Tiltonsville 5/1 Jumbo ARM Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
Jumbo adjustable-rate mortgage (ARM) 5/1 yr
5/1 yr
6.38%
6.84%
Rate6.38%
APR6.84%
Points0.850
UpdatedSep 14, 2026
Details

ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term. Learn how these rates, APRs and monthly payments are calculated. Plus, see an ARM estimated monthly payment and APR example. Get more details.

Tiltonsville FHA Loan Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
30-Year FHA Loan
30-Year
6.25%
6.42%
Rate6.25%
APR6.42%
Points0.500
UpdatedSep 14, 2026
Details

No additional details available.

CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
15-Year FHA Loan
15-Year
6.25%
6.54%
Rate6.25%
APR6.54%
Points0.500
UpdatedSep 14, 2026
Details

No additional details available.

LorMet Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
FHA (No Equity) Home Improvement Loan
7 years
6.95%
6.95%
Rate6.95%
APR6.95%
Points0.000
UpdatedSep 14, 2026
Details

No additional details available.

Tiltonsville VA Loan Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
Purchase / Refinance - 30-Year VA Loan
30-Year
6.25%
6.45%
Rate6.25%
APR6.45%
Points0.750
UpdatedSep 14, 2026
Details

No additional details available.

CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
Purchase / Refinance - 15-Year VA Loan
15-Year
6.25%
6.58%
Rate6.25%
APR6.58%
Points0.750
UpdatedSep 14, 2026
Details

No additional details available.

DayMet Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
ATV - term varies Loan
term varies
7.49%
7.49%
Rate7.49%
APR7.49%
Points0.000
UpdatedSep 14, 2026
Details

As Low As

The refinance rates displayed are verified and sourced directly from the official websites of the listed financial institutions. The rate shown is the lender’s posted rate for that loan type, which most lenders apply to purchase and refinance loans alike. Your final approved rate will depend on your credit history, credit score, loan amount, loan-to-value ratio, and whether you take cash out.

Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.

National Refinance Rate Averages

Daily averages of posted rates across every lender we track, as of September 12, 2026. Use these as the benchmark for the Tiltonsville, Ohio quotes above; lenders that price refinances separately currently run about 0.091 points higher.

30-Year Fixed
6.856%
+0.154 vs. last week
15-Year Fixed
6.424%
+0.145 vs. last week
30-Year Jumbo
6.965%
Daily average
5/1 ARM
6.465%
Daily average
FHA 30-Year
7.204%
Daily average
VA 30-Year
7.886%
Daily average
Source: MonitorBankRates daily rate averages, all lenders tracked. Most lenders apply the same posted rate to purchase and refinance loans. Compare refinance rates in every state

Tiltonsville, OH Refinance Rate Trends

Compare local Tiltonsville, OH refinance quotes against the statewide average

Daily averages of posted first-mortgage rates across our lender network, updated every evening. Because most lenders price purchase and refinance loans identically, this is the benchmark a Ohio refinance quote should be measured against, plus roughly 0.091 points at lenders that price refinances separately.

View Full Ohio Mortgage Rate Trends →
30-Year Fixed OH Avg
6.908%
▲ 0.099 vs 7 days ago

Ohio 30-year fixed rates rose 0.099 points over the past 7 days to 6.908%.

15-Year Fixed OH Avg
6.294%
▲ 0.087 vs 7 days ago

Ohio 15-year fixed rates rose 0.087 points over the past 7 days to 6.294%.

As of Sep 16, 2026 • Averages reflect posted first-mortgage rates used for both purchase and refinance loans
Powered by MonitorBankRates

What Tiltonsville, OH Homeowners Actually Pay to Refinance

Posted refinance rates from our lender network alongside the rates borrowers closed at, from federal HMDA filings

Two different measures. The refinance premium is computed nightly from lenders that publish separate purchase and refinance pricing. HMDA figures are median note rates on loans that actually closed.

Refinance Premium
+0.091 pts
vs. same lender's purchase rate, nationally (15 lender pairs)
Sources: MonitorBankRates lender rate feed (refinance premium)

Ohio Refinance Rate Forecast, Next 12 Months

Where are Ohio refinance rates headed through September 2027?

Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. If the forecast shows rates falling, waiting may beat refinancing today; the break-even calculator below shows what each scenario is worth. Not financial advice.

Current OH Avg
6.908%
30-Year Fixed
6-Month Forecast
6.908%
Range: 6.56% – 7.21%
12-Month Forecast
7.158%
Range: 6.81% – 7.46%
12-Mo Payment Chg.
+$14/mo
vs. today on median home

What Forecast Rates Mean for Tiltonsville, OH Homeowners Refinancing

Monthly principal & interest on a 30-year refinance of the loan of $85,040 (80% of the city median home value). Payment differences show what waiting for the forecast rate would be worth each month.

Scenario Rate Mo. Payment vs. Today % of Income
Today (OH avg) 6.908% $561 11.7%
6-Month Forecast 6.908% (6.56–7.21%) $561 +$0/mo 11.7%
12-Month Forecast 7.158% (6.81–7.46%) $575 +$14/mo 12%

Income column = annual mortgage payment as % of Tiltonsville, OH median household income ($57,250). Above 30% is generally considered cost-burdened.

Projections based on Fed funds futures and mortgage-to-fed-funds spread model. Not a guarantee of future rates.

Tiltonsville, Ohio Refinance Break-Even Calculator

Enter your current loan and the refinance rate you have been quoted. The calculator shows the new payment, monthly savings, and how many months it takes for those savings to pay back the closing costs. Click a current Tiltonsville, Ohio rate on the right to test it instantly.

New Monthly P&I
$0
now $0
Monthly Savings
$0
Break-Even
0 mo

Principal and interest only. Excludes escrow, mortgage insurance, and any prepayment penalty on the current loan. Lifetime interest compares the remaining interest on the current loan to total interest on the new loan. Estimates are for informational purposes only.

Current Tiltonsville, Ohio Refinance Rates

Lowest verified rate per loan type · click to test it as your new rate
Lowest verified rate per loan type available in Tiltonsville, Ohio. ARM rates apply for the initial fixed period only.

Run the Numbers on Your Tiltonsville, Ohio Refinance

The rate is only part of the decision. Use these calculators to turn current Tiltonsville, Ohio refinance rates into monthly savings, break-even months, and total interest before you talk to a lender.

Types of Refinance Loans Available in Tiltonsville, Ohio

Homeowners in Tiltonsville, Ohio can choose from several refinance programs. The right one depends on what you are trying to do: lower the rate, shorten the term, pull cash out, or drop mortgage insurance. Pricing, appraisal requirements, and eligibility differ across each, and the cheapest program is not always the lowest posted rate once fees are counted.

Rate-and-Term Refinance

The standard refinance. You replace your existing mortgage with a new loan for about the same balance, changing only the rate, the term, or both. It is the lowest-priced refinance product at nearly every Ohio lender because the loan-to-value ratio does not rise.

Best for homeowners whose rate is at least half a point above today’s Tiltonsville, Ohio average and who plan to stay past the break-even point. Choosing a term that matches your remaining years, rather than resetting to 30, keeps the payoff date where it is.

Cash-Out Refinance

A cash-out refinance replaces your mortgage with a larger one and hands you the difference at closing. Conventional lenders cap the new loan at 80% of appraised value; VA cash-out loans go to 90%. Rates run above rate-and-term pricing.

If you hold a low rate from 2020 to 2022, a home equity loan or HELOC in Tiltonsville, Ohio usually costs less than refinancing the whole balance at today’s rate to pull out cash.

FHA Streamline Refinance

For homeowners already in an FHA loan. No appraisal, no income verification, and limited credit review, as long as the new loan produces a net tangible benefit (generally a rate at least 0.5% lower, or a move from an ARM to a fixed rate). You need 210 days since the first payment and six on-time payments.

The upfront mortgage insurance premium is reduced to 0.01% and annual MIP continues, so FHA borrowers with 20% equity and good credit should also price a conventional rate-and-term refinance, which drops mortgage insurance entirely.

VA IRRRL (Streamline Refinance)

The Interest Rate Reduction Refinance Loan lets veterans refinance an existing VA loan with no appraisal, no income documentation, and a funding fee of just 0.5% (waived for borrowers with a service-connected disability). Closing costs can be rolled into the loan.

The new rate must be lower than the current one unless you are moving from an ARM to a fixed rate, and you must recoup closing costs within 36 months. VA lenders in Ohio quote IRRRL pricing separately, so ask for it by name.

USDA Streamlined-Assist Refinance

For homeowners with an existing USDA Rural Development loan. No appraisal or credit review in most cases, and the new payment must be at least $50 a month lower than the current one. The property no longer has to meet the rural eligibility map.

Twelve months of on-time payments are required, and the 1% upfront guarantee fee plus the annual fee apply to the new loan.

Jumbo Refinance

The 2026 FHFA conforming loan limit for Tiltonsville, Ohio is $832,750. A refinance above that amount is a jumbo loan and stays on the lender’s books or goes to private investors, so pricing and underwriting are set lender by lender.

Jumbo refinances usually require a 700 or higher credit score, reserves of six to twelve months of payments, and a loan-to-value of 80% or less. Because balances are large, even a quarter-point rate difference is worth thousands a year, so compare the 30-Year Jumbo and 15-Year Jumbo tabs above closely. If paying the balance down to the conforming limit at closing is possible, conforming refinance pricing is often noticeably better.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Tiltonsville, Ohio refinance rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Refinance Rate Data: We aggregate mortgage and refinance rates for Tiltonsville, 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. Where a lender publishes a product specifically for refinancing, that product is listed by name; where a lender publishes one rate sheet for purchase and refinance loans, that rate is shown as the refinance rate, which is how the lender itself quotes it.

Refinance Premium and HMDA Figures: The refinance premium is the average difference between a lender’s refinance-labeled product and the same lender’s standard product of the same term, computed nightly across lenders that publish both. It is shown for context and is never added to any rate in the tables. HMDA figures are median note rates on first-lien, owner-occupied, one-to-four-unit loans originated in the most recent reporting year, from the Consumer Financial Protection Bureau’s public Loan/Application Register.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Tiltonsville, 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 and refinance 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.

How a Mortgage Refinance Works in Tiltonsville, Ohio

A refinance pays off your current mortgage with a new loan on the same Tiltonsville, Ohio home. The new lender wires the payoff to the old lender at closing, and from that point you make payments on the new loan only. Because it is a brand-new mortgage, you go through an application, credit check, and usually an appraisal, and you pay closing costs, just as you did when you bought the home.

How Tiltonsville, Ohio Refinance Rates Compare to Purchase Rates

Most Ohio banks and credit unions post one rate sheet that applies to purchase and refinance loans alike, which is why the tables above show the same lenders you will find on our Tiltonsville, Ohio mortgage rates page. For example, U.S. Bank is listing a 30-year fixed refinance at 6.99% for either purpose. Some lenders price refinances separately and list them by name, such as CINCINNATI OHIO POLICE’s Purchase / Refinance - 30-Year VA Loan at 6.25%. Across lenders that post both, refinance pricing currently runs about 0.091 points above the same lender’s purchase rate nationally. Cash-out refinances, investment properties, and second homes carry pricing add-ons at every lender.

Finding Your Break-Even Point in Tiltonsville, Ohio

Divide total closing costs by the monthly payment savings and you get the number of months until the refinance has paid for itself. A Tiltonsville, Ohio homeowner who expects to sell before that month should not refinance, no matter how good the rate looks. The calculator above runs this math with today’s local rates. A shorter break-even, under three years, is a comfortable margin; anything past five years needs a long stay to pay off.

Refinance Closing Costs and No-Closing-Cost Loans in Tiltonsville, Ohio

Refinance closing costs in Ohio typically run two to five percent of the loan and include the lender’s origination fee, appraisal, title search and lender’s title policy, recording fees, and prepaid interest. Discount points are optional and buy the rate down. A no-closing-cost refinance rolls the fees into a higher rate or the loan balance. It is not free, but it can be the better choice for a homeowner likely to move or refinance again within a few years, because there is nothing to recoup.

When Tiltonsville, Ohio Homeowners Should Wait

Refinancing rarely pays when the new rate is less than half a point below the current one, when you are more than ten years into a 30-year loan and would reset the clock, or when your credit score has dropped since the original loan. Homeowners holding a rate from 2020 to 2022 are usually better served by keeping that loan and using a home equity loan or HELOC for cash needs. Our Ohio refinance rate trends above show where rates have been over the past 90 days, and the forecast gives a sense of where they may head, so you can decide whether to lock now or wait.

Frequently Asked Questions about Refinance Rates in Tiltonsville, Ohio

Are refinance rates higher than purchase mortgage rates in Ohio?

Usually only slightly. Among lenders that post separate purchase and refinance pricing nationally, refinance rates currently run about 0.091 percentage points above the same lender's purchase rate. Most banks and credit unions in Ohio quote one rate for both purchase and refinance loans. Cash-out refinances and investment property refinances are typically priced higher than rate-and-term refinances.

When does refinancing make sense in Tiltonsville, Ohio?

Refinancing makes sense when the monthly savings from a lower rate recover the closing costs before you expect to sell or pay off the loan. That point is called the break-even. If closing costs are $4,000 and the new loan saves $150 a month, break-even is about 27 months. Refinancing can also make sense to drop mortgage insurance, move from an adjustable rate to a fixed rate, or shorten the term.

How soon can I refinance a mortgage in Ohio?

Conventional rate-and-term refinances generally have no waiting period, though many lenders require six months of payment history. Cash-out refinances usually require you to have owned the home for at least six to twelve months. FHA Streamline refinances require 210 days since the first payment and six on-time payments, and VA IRRRL refinances require 210 days and six payments as well.

What is a rate-and-term refinance?

A rate-and-term refinance replaces your current mortgage with a new loan for roughly the same balance, changing only the interest rate, the term, or both. It is the most common type of refinance in Ohio and typically carries the lowest rate of any refinance product.

What is a cash-out refinance?

A cash-out refinance replaces your mortgage with a larger loan and pays you the difference in cash at closing. Most lenders cap the new loan at 80 percent of the home's value for conventional loans (90 percent for VA). Because the loan balance rises, cash-out rates run higher than rate-and-term refinance rates. A home equity loan or HELOC can be a cheaper way to borrow a smaller amount without giving up a low existing first mortgage rate.

Does refinancing reset my 30-year term?

Only if you choose a new 30-year loan. Many Ohio lenders offer 10-, 15-, 20-, and 25-year refinance terms, and some offer custom terms that match your remaining years. Refinancing into a shorter term at a lower rate can cut total interest substantially even when the monthly payment stays about the same.

What are typical refinance closing costs in Ohio?

Refinance closing costs generally run two to five percent of the loan amount and include origination fees, appraisal, title search and lender's title insurance, recording fees, and prepaid interest. Some lenders offer no-closing-cost refinances that fold the fees into a slightly higher rate, which can be worthwhile if you expect to move or refinance again within a few years.

What is the difference between interest rate and APR on a refinance?

The interest rate is the cost of borrowing the principal. The APR includes the interest rate plus lender fees and points, so it is the better number for comparing two refinance offers with different fee structures.

Should I lock my refinance rate?

If the quoted rate meets your break-even target and you are ready to close, locking protects you if rates rise during processing. Most refinance rate locks run 30 to 60 days. Ask whether the lender offers a float-down option in case rates fall after you lock.

How do I find the best refinance lender in Tiltonsville, Ohio?

Compare rates and APRs from local banks, credit unions, and online lenders using the tables on this page, then request loan estimates from at least three. Credit unions in Ohio often post the lowest refinance rates for members, and lenders that already service your loan sometimes waive fees to keep it.

What are the best refinance rates in Tiltonsville, Ohio?

  • U.S. Bank: 6.99% (30-year fixed refinance)
  • GenFed Financial Credit Union: 5.49% (30 Year Mortgage (Fixed))
  • Savings Bank Circleville, OH: 6.00% (5/1 Adjustable Rate Mortgage (ARM) with 30-Yr Amortization)
  • Century Federal Credit Union: 6.60% (30 Year Fixed-Rate Mortgage)
  • Fairfield Federal S&L of Lancaster: 6.50% (30 YEAR FIXED RATE)
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: September 15, 2026

Tiltonsville, Ohio Rates & Resources