Cincinnati, OH Mortgage Rates and Refinance Rates

Cincinnati, Ohio Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Cincinnati, OH. Our rate table has a list of Cincinnati, Ohio mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current mortgage rates in Cincinnati, OH you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Cincinnati, OH include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Cincinnati, OH listed below.

Loan Type Purchase    Refinance	Location State/City    Zip Code		Loan Amt	Points	FICO	% Down
30 year fixed refi 15 year fixed refi 10 year fixed refi 20 year fixed refi 5/1 ARM refi 7/1 ARM refi 10/1 ARM refi 3/1 ARM refi 5/1 ARM refi IO 7/1 ARM refi IO 3/1 ARM refi IO	AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY    Akron Athens-Wellston-Portsmouth Beaver Creek Canton-Massillon Cincinnati Cleveland Cleveland Heights Columbus Dayton Lakewood Lima Lorain-Elyria Marietta Steubenville Toledo Youngstown-Warren Zanesville		$	All 0 0.1 - 1 1.1 - 2	660 - 679 680 - 699 700 - 719 720 - 739 740+	5% 10% 15% 20% 25% 30% 40%

30 yr fixed refi in 43201, All points, Credit score: 740+     Sort by: Default Lender APR Rate Fees in APR Payment Points

Lender

APR

Rate

Cost & Fees

Notes

 

30 yr fixed Mortgage Loan from First Internet Bank

First Internet Bank

https://www.brimg.net/system/img/inst/7814_logo.gif

200000

Refinance

4.460

4.375

USD

NMLS # 424182

4.460%

4/20/2018

4.375%

at 0.100 pts
30 day lock rate

Est payment: $998.57

Fees in APR: $1,802

Thank you for your inquiry! 

 

Next

30 yr fixed Mortgage Loan from e-Lend

e-Lend

https://www.brimg.net/system/img/inst/7076_logo.gif

200000

Refinance

4.532

4.375

USD

NMLS # 2826
State Lic # MBMB850004.000

4.532%

4/20/2018

4.375%

at 1.000 pts
30 day lock rate

Est payment: $998.57

Fees in APR: $1,650

 

 

Next

30 yr fixed Mortgage Loan from eRates Mortgage

eRates Mortgage

https://www.brimg.net/system/img/inst/9139_logo.gif

200000

Refinance

4.449

4.375

USD

NMLS # 1071
State Lic # SM.501717.000
(877) 210-6855

4.449%

4/20/2018

4.375%

at 0.100 pts
30 day lock rate

Est payment: $998.57

Fees in APR: $1,531

Thank you for your inquiry, we will be in touch shortly. 

 

Next

30 yr fixed Mortgage Loan from Sol Mortgage

Sol Mortgage

https://www.brimg.net/system/img/inst/10262_logo.gif

200000

Refinance

4.339

4.210

USD

4.339%

4/20/2018

4.210%

at 0.100 pts
30 day lock rate

Est payment: $979.20

Fees in APR: $2,847

Thanks for the inquiry! 

 

Next

30 yr fixed Mortgage Loan from Sebonic Financial

Sebonic Financial

https://www.brimg.net/system/img/inst/8420_logo.gif

200000

Refinance

4.338

4.240

USD

NMLS # 66247
State Lic # MBMB.850199.000

4.338%

4/20/2018

4.240%

at 0.100 pts
30 day lock rate

Est payment: $982.71

Fees in APR: $2,102

Thank you for your inquiry, we will be in touch shortly. 

 

Next

30 yr fixed Mortgage Loan from Agora Lending

Agora Lending

https://www.brimg.net/system/img/inst/10036_logo.gif

200000

Refinance

4.390

4.250

USD

4.390%

4/20/2018

4.250%

at 0.100 pts
30 day lock rate

Est payment: $983.88

Fees in APR: $3,102

Thank you for your inquiry! 

 

Next

30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank

ConsumerDirect Mortgage, a division of First Bank

https://www.brimg.net/system/img/inst/8087_logo.gif

200000

Refinance

4.377

4.250

USD

NMLS # 472433

4.377%

4/20/2018

4.250%

at 1.000 pts
30 day lock rate

Est payment: $983.88

Fees in APR: $988

No Points No Games No Surprises! No Closing Cost Options! 

 

Next

30 yr fixed Mortgage Loan from AimLoan.com

AimLoan.com

https://www.brimg.net/system/img/inst/1739_logo.gif

200000

Refinance

4.334

4.250

USD

NMLS # 2890
State Lic # MBMB.850089.000

4.334%

4/20/2018

4.250%

at 0.100 pts
30 day lock rate

Est payment: $983.88

Fees in APR: $1,781

 

 

Next

30 yr fixed Mortgage Loan from BNC National Bank

BNC National Bank

https://www.brimg.net/system/img/inst/7067_logo.gif

200000

Refinance

4.547

4.500

USD

4.547%

4/20/2018

4.500%

at 0.000 pts
30 day lock rate

Est payment: $1,013.37

Fees in APR: $1,095

 

 

Next

30 yr fixed Mortgage Loan from e-Lend

e-Lend

https://www.brimg.net/system/img/inst/7076_logo.gif

200000

Refinance

4.500

4.500

USD

NMLS # 2826
State Lic # MBMB850004.000

4.500%

4/20/2018

4.500%

at 0.000 pts
30 day lock rate

Est payment: $1,013.37

Fees in APR: None

 

 

Next

30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank

ConsumerDirect Mortgage, a division of First Bank

https://www.brimg.net/system/img/inst/8087_logo.gif

200000

Refinance

4.490

4.490

USD

NMLS # 472433

4.490%

4/20/2018

4.490%

at 0.000 pts
30 day lock rate

Est payment: $1,012.18

Fees in APR: None

No Points No Games No Surprises! No Closing Cost Options! 

 

Next

30 yr fixed Mortgage Loan from Ally Bank

Ally Bank

https://www.brimg.net/system/img/inst/10271_logo.gif

200000

Refinance

5.163

5.125

USD

NMLS # 181005

5.163%

4/20/2018

5.125%

at 0.000 pts
60 day lock rate

Est payment: $1,088.97

Fees in APR: $865

 

 

Next

30 yr fixed Mortgage Loan from First Internet Bank

First Internet Bank

https://www.brimg.net/system/img/inst/7814_logo.gif

200000

Refinance

4.539

4.500

USD

NMLS # 424182

4.539%

4/20/2018

4.500%

at 0.000 pts
30 day lock rate

Est payment: $1,013.37

Fees in APR: $911

Thank you for your inquiry! 

 

Next

30 yr fixed Mortgage Loan from Agora Lending

Agora Lending

https://www.brimg.net/system/img/inst/10036_logo.gif

200000

Refinance

4.537

4.500

USD

4.537%

4/20/2018

4.500%

at 0.000 pts
30 day lock rate

Est payment: $1,013.37

Fees in APR: $854

Thank you for your inquiry! 

 

Next

30 yr fixed Mortgage Loan from AimLoan.com

AimLoan.com

https://www.brimg.net/system/img/inst/1739_logo.gif

200000

Refinance

4.411

4.375

USD

NMLS # 2890
State Lic # MBMB.850089.000

4.411%

4/20/2018

4.375%

at 0.000 pts
30 day lock rate

Est payment: $998.57

Fees in APR: $847

 

 

Next

30 yr fixed Mortgage Loan from eRates Mortgage

eRates Mortgage

https://www.brimg.net/system/img/inst/9139_logo.gif

200000

Refinance

4.625

4.625

USD

NMLS # 1071
State Lic # SM.501717.000
(877) 210-6855

4.625%

4/20/2018

4.625%

at 0.000 pts
30 day lock rate

Est payment: $1,028.28

Fees in APR: None

Thank you for your inquiry, we will be in touch shortly. 

 

Next

30 yr fixed Mortgage Loan from JG Wentworth Home Lending

JG Wentworth Home Lending

https://www.brimg.net/system/img/inst/10054_logo.gif

200000

Refinance

4.638

4.625

USD

NMLS # 2925
State Lic # MBMB.850063.000

4.638%

4/20/2018

4.625%

at 0.000 pts
45 day lock rate

Est payment: $1,028.28

Fees in APR: $299

 

 

Next

30 yr fixed Mortgage Loan from Sebonic Financial

Sebonic Financial

https://www.brimg.net/system/img/inst/8420_logo.gif

200000

Refinance

4.410

4.365

USD

NMLS # 66247
State Lic # MBMB.850199.000

4.410%

4/20/2018

4.365%

at 0.000 pts
30 day lock rate

Est payment: $997.39

Fees in APR: $1,064

Thank you for your inquiry, we will be in touch shortly. 

 

Next

30 yr fixed Mortgage Loan from Republic Bank

Republic Bank

https://www.brimg.net/system/img/inst/2248_logo.gif

200000

Refinance

4.538

4.500

USD

NMLS # 402606

4.538%

4/20/2018

4.500%

at 0.000 pts
45 day lock rate

Est payment: $1,013.37

Fees in APR: $895

 

 

Next

30 yr fixed Mortgage Loan from Sol Mortgage

Sol Mortgage

https://www.brimg.net/system/img/inst/10262_logo.gif

200000

Refinance

4.500

4.500

USD

4.500%

4/20/2018

4.500%

at 0.000 pts
30 day lock rate

Est payment: $1,013.37

Fees in APR: None

Thanks for the inquiry! 

 

Next

30 yr fixed Mortgage Loan from Financial One Mortgage Corporation

Financial One Mortgage Corporation

https://www.brimg.net/system/img/inst/10305_logo.gif

200000

Refinance

4.511

4.500

USD

NMLS # 225713
State Lic # MB.801102.000

4.511%

4/20/2018

4.500%

at 0.000 pts
30 day lock rate

Est payment: $1,013.37

Fees in APR: $257

Thanks for the inquiry! 

 

Next

30 yr fixed Mortgage Loan from eRates Mortgage

eRates Mortgage

https://www.brimg.net/system/img/inst/9139_logo.gif

200000

Refinance

4.390

4.250

USD

NMLS # 1071
State Lic # SM.501717.000
(877) 210-6855

4.390%

4/20/2018

4.250%

at 1.100 pts
30 day lock rate

Est payment: $983.88

Fees in APR: $1,093

Thank you for your inquiry, we will be in touch shortly. 

 

Next

30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank

ConsumerDirect Mortgage, a division of First Bank

https://www.brimg.net/system/img/inst/8087_logo.gif

200000

Refinance

4.320

4.000

USD

NMLS # 472433

4.320%

4/20/2018

4.000%

at 2.000 pts
30 day lock rate

Est payment: $954.83

Fees in APR: $3,514

No Points No Games No Surprises! No Closing Cost Options! 

 

Next

30 yr fixed Mortgage Loan from Sol Mortgage

Sol Mortgage

https://www.brimg.net/system/img/inst/10262_logo.gif

200000

Refinance

4.269

4.085

USD

4.269%

4/20/2018

4.085%

at 1.100 pts
30 day lock rate

Est payment: $964.66

Fees in APR: $2,139

Thanks for the inquiry! 

 

Next

30 yr fixed Mortgage Loan from AimLoan.com

AimLoan.com

https://www.brimg.net/system/img/inst/1739_logo.gif

200000

Refinance

4.263

4.125

USD

NMLS # 2890
State Lic # MBMB.850089.000

4.263%

4/20/2018

4.125%

at 1.100 pts
30 day lock rate

Est payment: $969.30

Fees in APR: $1,079

 

 

Next

30 yr fixed Mortgage Loan from Sebonic Financial

Sebonic Financial

https://www.brimg.net/system/img/inst/8420_logo.gif

200000

Refinance

4.194

3.990

USD

NMLS # 66247
State Lic # MBMB.850199.000

4.194%

4/20/2018

3.990%

at 1.100 pts
30 day lock rate

Est payment: $953.68

Fees in APR: $2,634

Thank you for your inquiry, we will be in touch shortly. 

 

Next

30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA

Raymond James Bank, NA

200000

Refinance

4.806

4.750

USD

Raymond James Bank, NA

4.806%

4/17/2018

4.750%

at 0.000 pts
45 day lock rate

Est payment: $1,043.29

Fees in APR: $1,299

 

 

30 yr fixed mtg refi Mortgage Loan from First Merchants Bank

First Merchants Bank

200000

Refinance

4.413

4.375

USD

First Merchants Bank

4.413%

4/16/2018

4.375%

at 0.000 pts
30 day lock rate

Est payment: $998.57

Fees in APR: $905

 

 

30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank

LincolnWay Community Bank

200000

Refinance

4.546

4.500

USD

LincolnWay Community Bank

4.546%

4/17/2018

4.500%

at 0.000 pts
30 day lock rate

Est payment: $1,013.37

Fees in APR: $1,085

 

 

30 yr fixed mtg refi Mortgage Loan from United Fidelity Bank, fsb

United Fidelity Bank, fsb

200000

Refinance

4.784

4.750

USD

United Fidelity Bank, fsb

4.784%

4/19/2018

4.750%

at 0.000 pts
45 day lock rate

Est payment: $1,043.29

Fees in APR: $795

 

 

30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA

Citizens Bank, NA

200000

Refinance

4.694

4.625

USD

Citizens Bank, NA

4.694%

4/20/2018

4.625%

at 0.125 pts
60 day lock rate

Est payment: $1,028.28

Fees in APR: $1,348

 

 

30 yr fixed mtg refi Mortgage Loan from The First National Bank of Pandora

The First National Bank of Pandora

200000

Refinance

4.545

4.500

USD

The First National Bank of Pandora

4.545%

4/19/2018

4.500%

at 0.000 pts
30 day lock rate

Est payment: $1,013.37

Fees in APR: $1,040

 

 

30 yr fixed mtg refi Mortgage Loan from The Richwood Banking Company, Inc.

The Richwood Banking Company, Inc.

200000

Refinance

4.884

4.875

USD

The Richwood Banking Company, Inc.

4.884%

4/19/2018

4.875%

at 0.000 pts
45 day lock rate

Est payment: $1,058.42

Fees in APR: $212

 

 

Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.

Cincinnati, OH Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of Ohio. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Cincinnati, OH mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Cincinnati, OH mortgage loans that have been made. As a result, Cincinnati, OH mortgage rates today are lower than jumbo interest rates in Cincinnati, OH. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Cincinnati, OH Super Conforming Home Loan Rates

Super conforming mortgages in Cincinnati, OH are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Cincinnati, OH Jumbo Loan Interest Rates

Cincinnati, OH jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Cincinnati, OH are usually 0.75 basis points higher than conforming mortgage rates in Cincinnati, OH because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Cincinnati, OH Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Cincinnati, OH. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Cincinnati, OH Adjustable Interest Rates

Cincinnati, OH adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Cincinnati, OH Interest Only Home Mortgage Rates

Cincinnati, OH interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Cincinnati, OH FHA Mortgage Mortgage Rates

Borrowers in Cincinnati, OH must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Cincinnati, OH are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.

Cincinnati FDIC Insured Banks