Ohio mortgage rates November 13, 2026: a gap in the table
On November 13, 2026 at 12:20 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% (6.782% APR, $500 in lender credit); the table had no 6.875% row and went next to 7.000% (7.042% APR, $2,016 in lender credit) (source: RateVerdict Ohio rate table).
The short answer for November 13, 2026
RateVerdict priced one Ohio loan at 12:20 PM ET on Friday, November 13, 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 13, 2026, 12:20 PM ET).
The rate closest to $0 at closing was 6.750%, with a 6.782% APR and $500 in lender credit. The top of the table was 6.125%, with a 6.500% APR and $14,496 in points (same source and time).
One rate the table skipped
Rates usually come in steps of 0.125%. Friday's Ohio table had no 6.875% row. After 6.750% (6.782% APR, $500 in lender credit) it went straight to 7.000% (7.042% APR, $2,016 in lender credit) (source: RateVerdict Ohio rate table, as of November 13, 2026, 12:20 PM ET).
Across that 0.250% gap, the credit grew by $1,516 on the $400,000 sample loan.
Ohio was not alone. Of the nine states in today's daily posts, California, Georgia, Ohio, Pennsylvania and South Carolina all had no 6.875% row on Friday (source: RateVerdict state rate tables, November 13, 2026).
If you want a rate the table skipped
- The table is one sample loan. Your own quote can include rates that are not shown here.
- Ask the lender to price the exact rate you want, with its APR and its points or credit in dollars.
- Use the two rows around it as a guide. On Friday that meant 6.750% (6.782% APR) and 7.000% (7.042% APR).
| Rate | APR | Points | Cost or credit at closing |
|---|---|---|---|
| 6.625% | 6.746% | 0.990 | $3,960 cost |
| 6.750% | 6.782% | -0.125 | $500 credit |
| 7.000% | 7.042% | -0.504 | $2,016 credit |
| 7.125% | 7.169% | -0.903 | $3,612 credit |
Friday'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 |
|---|---|---|---|
| 6.125% | 6.500% | 3.624 | $14,496 cost |
| 6.250% | 6.563% | 2.982 | $11,928 cost |
| 6.375% | 6.625% | 2.340 | $9,360 cost |
| 6.500% | 6.682% | 1.626 | $6,504 cost |
| 6.625% | 6.746% | 0.990 | $3,960 cost |
| 6.750% | 6.782% | -0.125 | $500 credit |
| 7.000% | 7.042% | -0.504 | $2,016 credit |
| 7.125% | 7.169% | -0.903 | $3,612 credit |
| 7.250% | 7.274% | -1.329 | $5,316 credit |
| 7.375% | 7.400% | -1.731 | $6,924 credit |
| 7.500% | 7.524% | -2.121 | $8,484 credit |
| 7.625% | 7.649% | -2.507 | $10,028 credit |
An Ohio county fee that a refinance skips
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 13, 2026?
It was 6.750% with a 6.782% APR and $500 in lender credit for the $400,000 Ohio sample refinance with 780+ credit (source: RateVerdict Ohio rate table, November 13, 2026, 12:20 PM ET).
Why is there no 6.875% rate on the Ohio table for November 13, 2026?
Friday's Ohio table did not include a 6.875% row. It went from 6.750% (6.782% APR) to 7.000% (7.042% APR) (source: RateVerdict Ohio rate table, November 13, 2026, 12:20 PM ET). You can ask a lender to price 6.875% for your own loan.
How much credit came with 7.000% in Ohio on November 13, 2026?
7.000% (7.042% APR) came with $2,016 in lender credit on the $400,000 sample loan, $1,516 more than 6.750% (source: RateVerdict Ohio rate table, November 13, 2026, 12:20 PM ET).
Can I ask a lender for a rate that is not on the table?
Yes. The table is one sample loan. Ask for the exact rate you want and compare its APR and its points or credit in dollars.
Does an Ohio refinance pay a county conveyance fee?
No. 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 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 13, 2026, 12:20 PM ET
- RateVerdict, Ohio mortgage rate historyas of November 13, 2026 snapshot
- RateVerdict, mortgage rates by stateas of November 13, 2026
- RateVerdict, rate tool for your own loanas of November 13, 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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