Mortgage lender in Lucas County, OH

Buying in Lucas County

Lucas County, with its county seat in Toledo, also takes in Sylvania, Maumee, Oregon, Waterville and Holland. Lucas County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Ohio, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$541,287 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

title company

State housing agency

Ohio Housing Finance Agency (OHFA) (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Lucas County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Lucas County: Toledo and the Maumee River

Toledo’s housing is older and among the most moderately priced in Ohio, so FHA loans and Ohio’s first-time buyer programs are common fits. Two-family homes are common in the older neighborhoods; buying one to live in follows owner-occupant rules. Small loan amounts have their own pricing and limits, so tell us the price early.

Sylvania, Maumee, Waterville and Monclova Township are the higher-priced suburbs, with newer subdivisions. Along the Maumee River and the Lake Erie shore, in Point Place and Oregon, some properties are in a mapped flood zone, so we order the flood determination before you commit. Many residents work in Michigan, and that income counts normally.

Lucas County by the numbers

Median home value

$163,900 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.69% of home value a year: median tax bill $2,773 on a median value of $163,900 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

County conveyance fee plus a county transfer tax of up to $3 per $1,000 of value, so the rate depends on the county (Ohio Revised Code § 322.02)

Largest communities

Toledo, Oregon, Sylvania, Maumee (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $163,900. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Ohio

Closings in Ohio are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Ohio page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Lucas County buyers ask

Ohio notice. Stellar Mortgage Corporation, NMLS #2190975, 729 Grove Ave., Second Floor, Southampton, PA 18966.

Limits shown are the 2026 FHFA and HUD figures for Lucas County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.