Ohio mortgage rates November 12, 2026: how close is close to $0?
On November 12, 2026 at 12:21 PM ET, RateVerdict priced a $400,000 30-year fixed Ohio refinance with 780+ credit and the rate closest to $0 at closing was 6.750% (6.781% APR, $304 in points); on the Ohio history page since October 30 that marker has landed between $16 and $1,008 from $0 (source: RateVerdict Ohio rate table and history).
The short answer for November 12, 2026
RateVerdict priced one Ohio loan at 12:21 PM ET on Thursday, November 12, 2026: a $400,000 30-year fixed refinance with a credit score of 780 or higher, priced against dozens of lenders (source: RateVerdict Ohio rate table, as of November 12, 2026, 12:21 PM ET).
The rate closest to $0 at closing was 6.750%, with a 6.781% APR and $304 in points. The top of the table was 6.375%, with a 6.601% APR and $8,280 in points (same source and time).
"Closest to $0" is rarely exactly $0
RateVerdict marks the rate whose price at closing is nearest to zero: no points paid and no credit received. Lenders price in steps of 0.125%, so that rate almost never lands exactly on $0. It lands a little above, as a cost, or a little below, as a credit.
On Thursday the Ohio marker was 6.750% with $304 in points. On Wednesday, November 11, it was 6.625% with $16 in points (source: RateVerdict Ohio rate history, weekday midday snapshots).
| Day priced | Rate closest to $0 | APR | Cost or credit at closing |
|---|---|---|---|
| Thu, Nov 12 | 6.750% | 6.781% | $304 cost |
| Wed, Nov 11 | 6.625% | 6.695% | $16 cost |
| Tue, Nov 10 | 6.625% | 6.697% | $16 cost |
| Mon, Nov 9 | 6.500% | 6.573% | $412 credit |
| Fri, Nov 6 | 6.500% | 6.580% | $76 cost |
| Thu, Nov 5 | 6.500% | 6.581% | $96 cost |
| Wed, Nov 4 | 6.500% | 6.604% | $1,008 cost |
| Tue, Nov 3 | 6.625% | 6.710% | $340 credit |
| Mon, Nov 2 | 6.500% | 6.605% | $884 cost |
| Fri, Oct 30 | 6.625% | 6.717% | $832 credit |
What the history shows
- The nearest the marker came to $0 was $16, on November 10 and November 11.
- The furthest was $1,008 cost, on November 4, at 6.500%.
- So when you read "closest to $0", read the dollar figure next to it too. It can be a few dollars or about a thousand either way.
Thursday's full Ohio table
Every rate RateVerdict kept for the sample loan, each with its APR and its cost or credit at closing.
Today's Ohio table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
See today's Ohio rates| Rate | APR | Points | Cost or credit at closing |
|---|---|---|---|
| 6.375% | 6.601% | 2.070 | $8,280 cost |
| 6.500% | 6.647% | 1.227 | $4,908 cost |
| 6.625% | 6.690% | 0.375 | $1,500 cost |
| 6.750% | 6.781% | 0.076 | $304 cost |
| 6.875% | 6.899% | -0.401 | $1,604 credit |
| 7.000% | 7.024% | -0.887 | $3,548 credit |
| 7.125% | 7.152% | -1.297 | $5,188 credit |
| 7.250% | 7.274% | -1.743 | $6,972 credit |
| 7.375% | 7.399% | -2.172 | $8,688 credit |
| 7.500% | 7.524% | -2.540 | $10,160 credit |
| 7.625% | 7.649% | -2.926 | $11,704 credit |
| 7.875% | 7.904% | -3.231 | $12,924 credit |
A Ohio rule worth knowing
Ohio counties charge no real property conveyance fee on a transfer made only to give or release security for a debt. (source: Ohio Rev. Code 319.54(G)(3)(b)).
See today's rate for your scenario
This post is one sample loan on one day. The Ohio rate table on this site shows the current weekday table, and the Ohio rate history page keeps past weekday snapshots. To compare states, see mortgage rates by state. To price your own balance, home value and credit range, use the rate tool on this site, with every rate shown beside its APR.
Common questions
What was the 30-year fixed refinance rate closest to $0 at closing in Ohio on November 12, 2026?
It was 6.750% with a 6.781% APR and $304 in points for the $400,000 Ohio sample refinance with 780+ credit (source: RateVerdict Ohio rate table, November 12, 2026, 12:21 PM ET).
Why is the rate closest to $0 not exactly $0?
Rates come in steps of 0.125%, and each step has its own price. The marker is simply the rate whose price lands nearest zero, so it usually carries a small cost or a small credit.
How did November 12 compare with November 11, 2026 in Ohio?
The rate closest to $0 went from 6.625% (6.695% APR, $16 in points) to 6.750% (6.781% APR, $304 in points) (source: RateVerdict Ohio rate history).
Does an Ohio refinance pay a county conveyance fee?
Ohio counties charge no real property conveyance fee on a transfer made only to give or release security for a debt (source: Ohio Rev. Code 319.54(G)(3)(b)).
Can I download the Ohio rate history?
Yes. The Ohio rate history page offers the archive as JSON and CSV, with the top of the table and the rate closest to $0 for each weekday snapshot.
See today's Ohio rates
Today's Ohio table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
Sources
- RateVerdict, Ohio mortgage rates today (weekday midday snapshot)as of November 12, 2026, 12:21 PM ET
- RateVerdict, Ohio mortgage rate historyas of October 30 to November 12, 2026 weekday snapshots
- RateVerdict, mortgage rates by stateas of November 12, 2026
- RateVerdict, rate tool for your own loanas of November 12, 2026
- Ohio Rev. Code 319.54(G)(3)(b)as of checked October 2026
This article is educational and is not an offer to lend, a rate lock, or a commitment to lend. Rates and terms depend on a complete application and are subject to credit approval, underwriting, and program guidelines. Any figure shown comes from our pricing engines or a cited source with its as-of date. See how we get our numbers on the methodology page.
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