Ashtabula USDA Loan Rates, Closing Costs & Stats

Ashtabula, OH

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    • USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.

    Ashtabula's 10 lenders originated 33 USDA loans during 2023. The total origination value was $4,605,000, with an average USDA loan value of $139,545.

    Ashtabula USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Ashtabula averaged 6.62% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Ashtabula's average USDA mortgage closing costs are $4,691.

    The average rate for the prior week (2024-12-06) was 6.36% and one month ago for the week of 2024-11-08, the average rate was 6.78%.

    The average rate one year ago was 6.94%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.93%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Ashtabula USDA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Ashtabula level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    CROSSCOUNTRY MORTGAGE, LLC 14 7.14% $6,808
    UNION HOME MORTGAGE CORP. 6 6.83% $7,300
    LIBERTY HOME MORTGAGE CORPORATION 2 7.25% $6,439
    Northwest Bank 2 6.25% $7,021
    Ixonia Bank 2 7.69% $6,915
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 7.00% $5,155
    RUOFF MORTGAGE COMPANY, INC. 2 6.25% $2,346
    Fifth Third Bank 1 5.88% $5,898
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.88% $5,269
    Plains Commerce Bank 1 7.63% $6,173

    The top Ashtabula USDA lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with 14 USDA loans originated. Their average total fees are $6,808, which is $492 lower than the next largest lender, UNION HOME MORTGAGE CORP..

    The lowest fee Ashtabula USDA lenders (with over 10 loans originated) are CROSSCOUNTRY MORTGAGE, LLC ($6,808), .

    The lowest rate Ashtabula USDA lenders (with over 10 loans originated) are CROSSCOUNTRY MORTGAGE, LLC (7.14%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Ashtabula (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $102,250 (4.7%) $142,381 (9.6%) 0.00 361
    2018-02-01 $107,000 (12.0%) $143,643 (11.2%) 0.00 339
    2018-03-01 $104,950 (10.5%) $143,838 (10.4%) 0.00 337
    2018-04-01 $109,925 (10.5%) $147,595 (10.4%) 0.00 348
    2018-05-01 $113,300 (7.9%) $152,012 (10.1%) 0.00 360
    2018-06-01 $116,950 (8.6%) $160,504 (15.1%) 0.00 400
    2018-07-01 $121,961 (13.0%) $165,940 (16.5%) 0.00 425
    2018-08-01 $119,900 (8.1%) $160,581 (11.4%) 0.00 426
    2018-09-01 $119,957 (7.1%) $157,130 (8.3%) 0.00 419
    2018-10-01 $119,900 (8.0%) $152,993 (2.9%) 0.00 409
    2018-11-01 $122,450 (14.0%) $153,913 (3.7%) 0.00 373
    2018-12-01 $119,900 (11.5%) $149,424 (1.7%) 0.00 356
    2019-01-01 $119,400 (16.8%) $145,685 (2.3%) 0.00 339
    2019-02-01 $121,900 (13.9%) $156,289 (8.8%) 0.00 316
    2019-03-01 $126,471 (20.5%) $160,115 (11.3%) 0.00 308
    2019-04-01 $132,400 (20.5%) $164,561 (11.5%) 0.00 307
    2019-05-01 $144,900 (27.9%) $171,865 (13.1%) 0.00 314
    2019-06-01 $139,927 (19.7%) $174,471 (8.7%) 0.00 335
    2019-07-01 $138,832 (13.8%) $170,710 (2.9%) 0.00 372
    2019-08-01 $141,064 (17.7%) $170,716 (6.3%) 0.00 358
    2019-09-01 $146,034 (21.7%) $172,152 (9.6%) 0.00 347
    2019-10-01 $149,348 (24.6%) $173,271 (13.3%) 0.00 336
    2019-11-01 $139,450 (13.9%) $164,905 (7.1%) 0.00 332
    2019-12-01 $137,900 (15.0%) $160,145 (7.2%) 0.00 316
    2020-01-01 $135,225 (13.3%) $161,570 (10.9%) 0.00 310
    2020-02-01 $134,800 (10.6%) $163,434 (4.6%) 0.00 286
    2020-03-01 $139,900 (10.6%) $168,246 (5.1%) 0.00 278
    2020-04-01 $142,425 (7.6%) $175,191 (6.5%) 0.00 259
    2020-05-01 $145,000 (0.1%) $184,900 (7.6%) 0.00 237
    2020-06-01 $149,574 (6.9%) $196,187 (12.5%) 0.00 245
    2020-07-01 $154,950 (11.6%) $203,165 (19.0%) 0.00 209
    2020-08-01 $149,900 (6.3%) $195,823 (14.7%) 0.00 199
    2020-09-01 $139,900 (-4.2%) $184,293 (7.1%) 0.00 201
    2020-10-01 $139,900 (-6.3%) $183,773 (6.1%) 0.00 197
    2020-11-01 $136,950 (-1.8%) $168,481 (2.2%) 0.00 192
    2020-12-01 $136,325 (-1.1%) $165,824 (3.6%) 0.00 158
    2021-01-01 $140,000 (3.5%) $183,800 (13.8%) 0.00 144
    2021-02-01 $143,400 (6.4%) $197,711 (21.0%) 0.00 108
    2021-03-01 $150,669 (7.7%) $202,360 (20.3%) 0.00 102
    2021-04-01 $151,300 (6.2%) $213,694 (22.0%) 0.00 95
    2021-05-01 $155,000 (6.9%) $217,872 (17.8%) 0.00 96
    2021-06-01 $158,681 (6.1%) $233,730 (19.1%) 0.00 132
    2021-07-01 $165,000 (6.5%) $259,991 (28.0%) 0.00 132
    2021-08-01 $159,825 (6.6%) $247,812 (26.6%) 0.00 146
    2021-09-01 $159,425 (14.0%) $237,789 (29.0%) 0.00 158
    2021-10-01 $155,000 (10.8%) $219,088 (19.2%) 0.00 166
    2021-11-01 $147,800 (7.9%) $193,743 (15.0%) 0.00 165
    2021-12-01 $143,625 (5.4%) $195,412 (17.8%) 0.00 142
    2022-01-01 $144,950 (3.5%) $187,213 (1.9%) 0.00 124
    2022-02-01 $132,469 (-7.6%) $176,698 (-10.6%) 0.00 109
    2022-03-01 $139,250 (-7.6%) $182,987 (-9.6%) 0.00 99
    2022-04-01 $160,950 (6.4%) $200,473 (-6.2%) 0.00 104
    2022-05-01 $169,850 (9.6%) $228,824 (5.0%) 0.00 109
    2022-06-01 $162,425 (2.4%) $211,310 (-9.6%) 0.00 154
    2022-07-01 $169,900 (3.0%) $229,265 (-11.8%) 0.00 180
    2022-08-01 $159,225 (-0.4%) $215,229 (-13.2%) 0.00 198
    2022-09-01 $164,950 (3.5%) $223,822 (-5.9%) 0.00 208
    2022-10-01 $178,500 (15.2%) $229,986 (5.0%) 0.00 199
    2022-11-01 $183,800 (24.4%) $272,843 (40.8%) 0.00 176
    2022-12-01 $178,750 (24.5%) $270,999 (38.7%) 0.00 149
    2023-01-01 $172,450 (19.0%) $272,687 (45.7%) 0.00 135
    2023-02-01 $184,175 (39.0%) $291,603 (65.0%) 0.00 115
    2023-03-01 $182,400 (31.0%) $294,874 (61.2%) 0.00 108
    2023-04-01 $194,950 (21.1%) $302,234 (50.8%) 0.00 108
    2023-05-01 $188,200 (10.8%) $274,123 (19.8%) 0.00 120
    2023-06-01 $192,250 (18.4%) $290,177 (37.3%) 0.00 129
    2023-07-01 $192,250 (13.2%) $284,665 (24.2%) 0.00 127
    2023-08-01 $199,000 (25.0%) $284,657 (32.3%) 0.00 149
    2023-09-01 $222,450 (34.9%) $261,173 (16.7%) 0.00 174
    2023-10-01 $199,900 (12.0%) $261,959 (13.9%) 0.00 178
    2023-11-01 $199,900 (8.8%) $252,431 (-7.5%) 0.00 172
    2023-12-01 $189,900 (6.2%) $250,501 (-7.6%) 0.00 155
    2024-01-01 $191,244 (10.9%) $253,489 (-7.0%) 0.00 139
    2024-02-01 $197,475 (7.2%) $253,537 (-13.1%) 0.00 118
    2024-03-01 $189,900 (4.1%) $265,891 (-9.8%) 0.00 120
    2024-04-01 $212,439 (9.0%) $282,404 (-6.6%) 0.00 111
    2024-05-01 $246,000 (30.7%) $331,547 (21.0%) 0.00 126
    2024-06-01 $245,900 (27.9%) $339,470 (17.0%) 0.00 138
    2024-07-01 $252,450 (31.3%) $350,658 (23.2%) 0.00 157
    2024-08-01 $249,900 (25.6%) $305,275 (7.2%) 0.00 176
    2024-09-01 $223,450 (0.5%) $291,719 (11.7%) 0.00 193
    2024-10-01 $238,125 (19.1%) $297,886 (13.7%) 0.00 194
    2024-11-01 $226,900 (13.5%) $284,789 (12.8%) 0.00 211
    Ashtabula's median listing price for 2024-11-01 was $226,900, a difference of $27,000 (13.5%) versus the prior year and $-11,225 versus the prior month.

    Ashtabula's median listing price comes in at 0% of the national average.

    Ashtabula's average listing price for 2024-11-01 was $284,789, a difference of $32,358 (12.8%) versus the prior year and $-13,097 versus the prior month.

    For the 2024-11-01 period, Ashtabula had 211 MLS listings, a difference of 17 listings (9%) versus the prior month and 39 listings (23%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Ashtabula (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,500 sqft
    2018-02-01 0 days 1,498 sqft
    2018-03-01 0 days 1,484 sqft
    2018-04-01 0 days 1,525 sqft
    2018-05-01 0 days 1,528 sqft
    2018-06-01 0 days 1,536 sqft
    2018-07-01 0 days 1,626 sqft
    2018-08-01 0 days 1,552 sqft
    2018-09-01 0 days 1,536 sqft
    2018-10-01 0 days 1,554 sqft
    2018-11-01 0 days 1,562 sqft
    2018-12-01 0 days 1,542 sqft
    2019-01-01 0 days 1,558 sqft
    2019-02-01 0 days 1,625 sqft
    2019-03-01 0 days 1,666 sqft
    2019-04-01 0 days 1,705 sqft
    2019-05-01 0 days 1,640 sqft
    2019-06-01 0 days 1,632 sqft
    2019-07-01 0 days 1,600 sqft
    2019-08-01 0 days 1,628 sqft
    2019-09-01 0 days 1,670 sqft
    2019-10-01 0 days 1,707 sqft
    2019-11-01 0 days 1,654 sqft
    2019-12-01 0 days 1,580 sqft
    2020-01-01 0 days 1,578 sqft
    2020-02-01 0 days 1,540 sqft
    2020-03-01 0 days 1,509 sqft
    2020-04-01 0 days 1,506 sqft
    2020-05-01 0 days 1,556 sqft
    2020-06-01 0 days 1,618 sqft
    2020-07-01 0 days 1,666 sqft
    2020-08-01 0 days 1,554 sqft
    2020-09-01 0 days 1,568 sqft
    2020-10-01 0 days 1,548 sqft
    2020-11-01 0 days 1,482 sqft
    2020-12-01 0 days 1,443 sqft
    2021-01-01 0 days 1,447 sqft
    2021-02-01 0 days 1,479 sqft
    2021-03-01 0 days 1,478 sqft
    2021-04-01 0 days 1,501 sqft
    2021-05-01 0 days 1,508 sqft
    2021-06-01 0 days 1,597 sqft
    2021-07-01 0 days 1,600 sqft
    2021-08-01 0 days 1,651 sqft
    2021-09-01 0 days 1,612 sqft
    2021-10-01 0 days 1,597 sqft
    2021-11-01 0 days 1,549 sqft
    2021-12-01 0 days 1,515 sqft
    2022-01-01 0 days 1,529 sqft
    2022-02-01 0 days 1,418 sqft
    2022-03-01 0 days 1,395 sqft
    2022-04-01 0 days 1,459 sqft
    2022-05-01 0 days 1,452 sqft
    2022-06-01 0 days 1,440 sqft
    2022-07-01 0 days 1,558 sqft
    2022-08-01 0 days 1,493 sqft
    2022-09-01 0 days 1,535 sqft
    2022-10-01 0 days 1,547 sqft
    2022-11-01 0 days 1,642 sqft
    2022-12-01 0 days 1,657 sqft
    2023-01-01 0 days 1,627 sqft
    2023-02-01 0 days 1,626 sqft
    2023-03-01 0 days 1,599 sqft
    2023-04-01 0 days 1,662 sqft
    2023-05-01 0 days 1,698 sqft
    2023-06-01 0 days 1,731 sqft
    2023-07-01 0 days 1,662 sqft
    2023-08-01 0 days 1,598 sqft
    2023-09-01 0 days 1,600 sqft
    2023-10-01 0 days 1,626 sqft
    2023-11-01 0 days 1,630 sqft
    2023-12-01 0 days 1,647 sqft
    2024-01-01 0 days 1,690 sqft
    2024-02-01 0 days 1,676 sqft
    2024-03-01 0 days 1,596 sqft
    2024-04-01 0 days 1,627 sqft
    2024-05-01 0 days 1,721 sqft
    2024-06-01 0 days 1,770 sqft
    2024-07-01 0 days 1,686 sqft
    2024-08-01 0 days 1,666 sqft
    2024-09-01 0 days 1,633 sqft
    2024-10-01 0 days 1,639 sqft
    2024-11-01 0 days 1,639 sqft
    Ashtabula's median listing age (time on market) for 2024-11-01 was 0 days.

    Ashtabula's median square footage for active listings during the 2024-11-01 period was 1,639 sqft. One year prior, the average listing was 1,630 sqft.