Ashland Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Ashland averaged 6.81% for the week of 2023-03-16, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2023-03-09) was 6.74% and one month ago for the week of 2023-02-09, the average rate was 6.43%.

    Ashland's average rate one year ago was 4.16%.

    For refis of the same type during the week of 2023-03-16, the average rate was 6.74%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-16 6.6%
    Ashland 30 Year Fixed Rate 2023-03-16 6.81%
    Ashland 30 Year Fixed Rate Refi 2023-03-16 6.74%
    Ashland 15 Year Fixed Rate 2023-03-16 6.22%
    Ashland 15 Year Fixed Rate Refi 2023-03-16 6.11%
    Ashland 30 Year FHA 2023-03-16 6.82%
    Ashland 30 Year FHA Refi 2023-03-16 6.82%
    Ashland 30 Year USDA 2023-03-16 6.87%
    Ashland 30 Year USDA Refi 2023-03-16 6.75%
    Ashland 30 Year VA 2023-03-16 6.73%
    Ashland 30 Year VA Refi 2023-03-16 6.26%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Ashland, OH.

    Ashland Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Ashland, OH market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
    The Huntington National Bank 65 3.13% $3,190
    The Park National Bank 62 3.16% $2,923
    QUICKEN LOANS, LLC 57 3.21% $4,682
    CROSSCOUNTRY MORTGAGE, LLC 51 3.33% $4,680
    Mechanics Bank 45 2.94% $1,760
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 29 3.27% $3,239
    UNION HOME MORTGAGE CORP. 27 3.23% $3,118
    JPMorgan Chase Bank 25 3.21% $2,694
    PNC Bank 14 3.24% $2,963
    LENDUS, LLC 13 3.16% $3,149
    THE EQUITABLE MORTGAGE CORPORATION 12 2.91% $2,654
    Fifth Third Bank 10 3.13% $3,166
    Gateway First Bank 10 3.28% $2,386
    Farm Credit Mid-America, ACA 9 3.43% $4,798
    LOANDEPOT.COM, LLC 6 3.66% $4,277
    Flagstar Bank, FSB 6 3.22% $3,819
    U.S. Bank 6 3.00% $2,571
    The Farmers National Bank of Canfield 5 3.20% $3,674
    BETTER MORTGAGE CORPORATION 5 2.98% $3,501
    First Federal Savings and Loan Association of Lakewood 5 3.01% $4,353
    Mr. Cooper ( Nationstar Mortgage ) 5 3.35% $4,404
    Third Federal Savings and Loan Association of Cleveland 4 2.94% $2,532
    Civista Bank 4 3.28% $2,956
    ROYAL UNITED MORTGAGE LLC 4 3.34% $6,107
    EQUITY RESOURCES, INC. 4 3.09% $2,836
    AMERICAN FINANCING CORPORATION 3 2.96% $5,419
    Mortgage Research Center, LLC 3 2.92% $4,557
    RUOFF MORTGAGE COMPANY, INC. 3 3.29% $2,321
    Heartland Bank 3 3.25% $3,916
    NAVY FEDERAL CREDIT UNION 3 3.50% $3,086
    TOP FLITE FINANCIAL, INC. 3 3.21% $3,291
    YOUR HOME FINANCIAL LLC 3 3.29% $4,093
    InterContinental Capital Group, Inc 3 3.33% $4,604
    AMERISAVE MORTGAGE CORPORATION 3 3.17% $4,792
    PRIMARY RESIDENTIAL MORTGAGE, INC. 3 3.42% $4,015
    First Federal Bank 3 3.04% $3,544
    Union Savings Bank 3 3.00% $1,493
    Citizens Bank 3 3.58% $4,566
    PENNYMAC LOAN SERVICES, LLC 3 3.38% $5,017
    LIBERTY HOME MORTGAGE CORPORATION 2 3.44% $4,841
    First Guaranty Mortgage Corporation 2 2.81% $2,599
    Nations Lending Corporation 2 2.94% $5,964
    ENDEAVOR CAPITAL, LLC. 2 3.31% $3,372
    HOME POINT FINANCIAL CORPORATION 2 3.25% $2,502
    T2 FINANCIAL LLC 2 2.75% $3,229
    Wells Fargo Bank 2 3.44% $2,797
    Bank of America 2 2.81% $2,967
    KeyBank 1 3.25% $477
    Ally Bank 1 2.88% $2,821
    AMCAP MORTGAGE, LTD. 1 2.75% $3,261
    AMERICAN FINANCIAL NETWORK, INC. 1 3.38% $7,327
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.63% $4,709
    Ameris Bank 1 3.00% $2,699
    CALIBER HOME LOANS, INC. 1 2.75% $2,635
    Carrington Mortgage Services, LLC 1 3.00% $3,515
    C E S 1 3.00% $2,083
    Cf Bank 1 2.38% $5,991
    CME Federal Credit Union 1 3.38% $3,229
    CNB Bank 1 3.25% $2,357
    Community Star Credit Union 1 3.25% $3,415
    Dollar Bank, Federal Savings Bank 1 2.99% $3,441
    EMBRACE HOME LOANS, INC. 1 3.25% $2,575
    First Commonwealth Bank 1 2.88% $3,648
    First Federal Bank of the Midwest 1 2.75% $1,835
    First Federal Savings and Loan Association of Lorain 1 3.00% $3,339
    First Financial Bank 1 3.88% $2,842
    First National Bank of America 1 7.00% $5,093
    First Savings Bank 1 3.38% $3,358
    FREEDOM MORTGAGE CORPORATION 1 2.88% $4,284
    GUARANTY HOME MORTGAGE CORPORATION 1 2.88% $2,550
    HOWARD HANNA FINANCIAL SERVICES, INC. 1 3.00% $3,471
    KELLER MORTGAGE, LLC 1 3.25% $2,059
    ALLIED MORTGAGE GROUP, INC. 1 2.88% $9,473
    LEADERONE FINANCIAL CORPORATION 1 3.38% $4,103
    Liberty National Bank 1 2.88% $3,204
    MUTUAL OF OMAHA MORTGAGE, INC. 1 3.37% $2,519
    MYCUMORTGAGE, LLC 1 3.75% $3,451
    NEWREZ LLC 1 2.99% $3,189
    NFM, INC. 1 3.63% $4,043
    NORWICH COMMERCIAL GROUP, INC. 1 3.38% $3,644
    Paramount Residential Mortgage Group, Inc. 1 2.75% $11,225
    PENTAGON FEDERAL CREDIT UNION 1 2.88% $1,268
    POLARIS HOME FUNDING CORP. 1 3.38% $6,360
    PRIORITY MORTGAGE CORP. 1 3.13% $3,846
    RAPID MORTGAGE COMPANY 1 2.88% $3,135
    RELIANCE FIRST CAPITAL, LLC 1 3.13% $7,200
    Republic State Mortgage Co. 1 3.63% $6,163
    SIGNATURE MORTGAGE CORPORATION 1 3.25% $2,824
    SOFI LENDING CORP. 1 2.88% $2,827
    S&T Bank 1 3.63% $7,988
    TELHIO 1 2.63% $2,604
    The First National Bank of Ottawa 1 2.75% $3,757
    USAA Federal Savings Bank 1 2.88% $3,789

    Ashland Average Closing Costs & Other Stats

    Ashland, OH's 93 lenders originated 1,852 loans during 2021. The total origination value was $263,390,000, with an average loan value of $142,219.

    Ashland's average closing costs are $3,948.

    The top Ashland lender as defined by loan originations is The Huntington National Bank, with 65 loans originated. Their average total fees are $3,190, which is $267 higher than the next largest lender, The Park National Bank.

    The lowest fee Ashland lenders (with over 10 loans originated) are Mechanics Bank ($1,760), Gateway First Bank ($2,386), THE EQUITABLE MORTGAGE CORPORATION ($2,654), JPMorgan Chase Bank ($2,694) and The Park National Bank ($2,923).

    The lowest rate Ashland lenders (with over 10 loans originated) are THE EQUITABLE MORTGAGE CORPORATION (2.91%), Mechanics Bank (2.94%), The Huntington National Bank (3.13%), Fifth Third Bank (3.13%) and LENDUS, LLC (3.16%).

    Ashland, OH Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
    The Huntington National Bank $34,075,000 $34,115,000 0.1% 13.0%
    QUICKEN LOANS, LLC $19,495,000 $23,300,000 19.5% 8.8%
    The Park National Bank $23,490,000 $19,840,000 -15.5% 7.5%
    Mechanics Bank $21,505,000 $19,080,000 -11.3% 7.2%
    CROSSCOUNTRY MORTGAGE, LLC $11,170,000 $18,275,000 63.6% 6.9%
    UNION HOME MORTGAGE CORP. $8,955,000 $10,300,000 15.0% 3.9%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $4,805,000 $9,490,000 97.5% 3.6%
    PNC Bank $9,725,000 $9,375,000 -3.6% 3.6%
    JPMorgan Chase Bank $2,640,000 $5,700,000 115.9% 2.2%
    FREEDOM MORTGAGE CORPORATION $5,555,000 $5,445,000 -2.0% 2.1%
    LOANDEPOT.COM, LLC $3,235,000 $4,400,000 36.0% 1.7%
    THE EQUITABLE MORTGAGE CORPORATION $2,970,000 $4,350,000 46.5% 1.7%
    Mortgage Research Center, LLC $3,535,000 $4,120,000 16.5% 1.6%
    Wayne Savings Community Bank $5,765,000 $3,960,000 -31.3% 1.5%
    Farm Credit Mid-America, ACA $6,065,000 $3,840,000 -36.7% 1.5%
    LENDUS, LLC $2,565,000 $3,760,000 46.6% 1.4%
    Mr. Cooper ( Nationstar Mortgage ) $2,275,000 $3,645,000 60.2% 1.4%
    First Federal Bank of the Midwest $8,900,000 $3,570,000 -59.9% 1.4%
    Sutton Bank $5,175,000 $3,500,000 -32.4% 1.3%
    Directions Credit Union, Inc. $3,075,000 $3,120,000 1.5% 1.2%
    Fifth Third Bank $710,000 $2,655,000 273.9% 1.0%
    Gateway First Bank $5,570,000 $2,475,000 -55.6% 0.9%
    PENNYMAC LOAN SERVICES, LLC $820,000 $2,455,000 199.4% 0.9%
    U.S. Bank $1,540,000 $2,285,000 48.4% 0.9%
    Third Federal Savings and Loan Association of Cleveland $1,605,000 $1,995,000 24.3% 0.8%
    The Commercial and Savings Bank of Millersburg Ohio $595,000 $1,850,000 210.9% 0.7%
    FIRST OHIO HOME FINANCE, INC. $3,200,000 $1,725,000 -46.1% 0.7%
    AMERISAVE MORTGAGE CORPORATION $1,070,000 $1,715,000 60.3% 0.7%
    The Farmers National Bank of Canfield $3,830,000 $1,630,000 -57.4% 0.6%
    NEWREZ LLC $820,000 $1,595,000 94.5% 0.6%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $1,995,000 $1,535,000 -23.1% 0.6%
    First Commonwealth Bank $360,000 $1,490,000 313.9% 0.6%
    NAVY FEDERAL CREDIT UNION $530,000 $1,490,000 181.1% 0.6%
    NEW DAY FINANCIAL, LLC $340,000 $1,425,000 319.1% 0.5%
    Flagstar Bank, FSB $620,000 $1,400,000 125.8% 0.5%
    First Federal Savings and Loan Association of Lakewood $1,505,000 $1,365,000 -9.3% 0.5%
    BETTER MORTGAGE CORPORATION $1,240,000 n/a 0.5%
    EQUITY RESOURCES, INC. $1,130,000 $1,175,000 4.0% 0.4%
    Union Savings Bank $660,000 $1,095,000 65.9% 0.4%
    YOUR HOME FINANCIAL LLC $495,000 $1,075,000 117.2% 0.4%
    Heartland Bank $95,000 $1,030,000 984.2% 0.4%
    LIBERTY HOME MORTGAGE CORPORATION $685,000 $955,000 39.4% 0.4%
    RUOFF MORTGAGE COMPANY, INC. $510,000 $955,000 87.3% 0.4%
    AMERICAN FINANCING CORPORATION $345,000 $930,000 169.6% 0.4%
    First Guaranty Mortgage Corporation $770,000 $915,000 18.8% 0.3%
    Dollar Bank, Federal Savings Bank $450,000 $895,000 98.9% 0.3%
    The Apple Creek Banking Company $590,000 $805,000 36.4% 0.3%
    ROYAL UNITED MORTGAGE LLC $865,000 $800,000 -7.5% 0.3%
    USAA Federal Savings Bank $1,120,000 $800,000 -28.6% 0.3%
    VILLAGE CAPITAL & INVESTMENT LLC $75,000 $770,000 926.7% 0.3%
    Nations Lending Corporation $920,000 $745,000 -19.0% 0.3%
    Citizens Bank $430,000 $740,000 72.1% 0.3%
    C E S $635,000 $735,000 15.7% 0.3%
    LAKEVIEW LOAN SERVICING, LLC $440,000 $720,000 63.6% 0.3%
    EMBRACE HOME LOANS, INC. $715,000 n/a 0.3%
    TOP FLITE FINANCIAL, INC. $1,860,000 $685,000 -63.2% 0.3%
    HOME POINT FINANCIAL CORPORATION $760,000 $655,000 -13.8% 0.2%
    Carrington Mortgage Services, LLC $920,000 $625,000 -32.1% 0.2%
    First Federal Bank $940,000 $620,000 -34.0% 0.2%
    T2 FINANCIAL LLC $570,000 $620,000 8.8% 0.2%
    GUARANTEED RATE, INC. $695,000 $615,000 -11.5% 0.2%
    Civista Bank $1,500,000 $605,000 -59.7% 0.2%
    CALIBER HOME LOANS, INC. $515,000 $600,000 16.5% 0.2%
    Ally Bank $580,000 n/a 0.2%
    KeyBank $1,460,000 $575,000 -60.6% 0.2%
    UNITED WHOLESALE MORTGAGE, LLC $1,045,000 $570,000 -45.5% 0.2%
    HOMESIDE FINANCIAL, LLC $650,000 $555,000 -14.6% 0.2%
    HOWARD HANNA FINANCIAL SERVICES, INC. $1,110,000 $550,000 -50.5% 0.2%
    Wells Fargo Bank $745,000 $535,000 -28.2% 0.2%
    NFM, INC. $480,000 n/a 0.2%
    ALLIED MORTGAGE GROUP, INC. $820,000 $465,000 -43.3% 0.2%
    Ameris Bank $155,000 $450,000 190.3% 0.2%
    SIGNATURE MORTGAGE CORPORATION $495,000 $425,000 -14.1% 0.2%
    American Midwest Mortgage Corporation $585,000 $410,000 -29.9% 0.2%
    WRIGHT-PATT CREDIT UNION, INC. $3,215,000 $405,000 -87.4% 0.2%
    RELIANCE FIRST CAPITAL, LLC $505,000 $370,000 -26.7% 0.1%
    Republic State Mortgage Co. $370,000 n/a 0.1%
    CHURCHILL MORTGAGE CORPORATION $220,000 $360,000 63.6% 0.1%
    CNB Bank $75,000 $345,000 360.0% 0.1%
    InterContinental Capital Group, Inc $185,000 $325,000 75.7% 0.1%
    Bank of America $180,000 $315,000 75.0% 0.1%
    Cf Bank $315,000 n/a 0.1%
    ENDEAVOR CAPITAL, LLC. $195,000 $310,000 59.0% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $310,000 n/a 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $155,000 $305,000 96.8% 0.1%
    AmeriHome Mortgage Company, LLC $165,000 $300,000 81.8% 0.1%
    Paramount Residential Mortgage Group, Inc. $220,000 $300,000 36.4% 0.1%
    PENTAGON FEDERAL CREDIT UNION $25,000 $300,000 1,100.0% 0.1%
    CLEARPATH LENDING $155,000 $295,000 90.3% 0.1%
    Northwest Bank $25,000 $295,000 1,080.0% 0.1%
    Westfield Bank, FSB $275,000 n/a 0.1%
    GUARANTEED RATE AFFINITY, LLC $270,000 n/a 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $180,000 $265,000 47.2% 0.1%
    RAPID MORTGAGE COMPANY $260,000 n/a 0.1%
    S&T Bank $260,000 n/a 0.1%
    KEMBA FINANCIAL $255,000 n/a 0.1%
    NORWICH COMMERCIAL GROUP, INC. $255,000 n/a 0.1%
    PRIORITY MORTGAGE CORP. $245,000 n/a 0.1%
    FirstBank $235,000 n/a 0.1%
    Northpointe Bank $235,000 $235,000 0.0% 0.1%
    EUSTIS AND AMERICAN MORTGAGE COMPANY $215,000 n/a 0.1%
    First Savings Bank $115,000 $205,000 78.3% 0.1%
    GUILD MORTGAGE COMPANY $195,000 n/a 0.1%
    Liberty National Bank $2,635,000 $195,000 -92.6% 0.1%
    MYCUMORTGAGE, LLC $195,000 n/a 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $590,000 $195,000 -66.9% 0.1%
    Barrington Bank & Trust Company, N.A. $400,000 $180,000 -55.0% 0.1%
    AMERICAN PACIFIC MORTGAGE CORPORATION $175,000 n/a 0.1%
    CME Federal Credit Union $65,000 $175,000 169.2% 0.1%
    First National Bank of Pennsylvania $25,000 $175,000 600.0% 0.1%
    NBKC BANK $175,000 n/a 0.1%
    RESIDENTIAL MORTGAGE SERVICES, INC. $105,000 $175,000 66.7% 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $165,000 $165,000 0.0% 0.1%
    Superior Credit Union, Inc. $85,000 $155,000 82.4% 0.1%
    DELMAR FINANCIAL COMPANY $125,000 $145,000 16.0% 0.1%
    LEADERONE FINANCIAL CORPORATION $145,000 n/a 0.1%
    First Federal Bank of Ohio $1,025,000 $135,000 -86.8% 0.1%
    POLARIS HOME FUNDING CORP. $135,000 n/a 0.1%
    BMI Federal Credit Union $125,000 n/a 0.0%
    Community Star Credit Union $125,000 n/a 0.0%
    First National Bank of America $125,000 n/a 0.0%
    Low VA Rates, LLC $125,000 n/a 0.0%
    North American Savings Bank, F.S.B. $115,000 n/a 0.0%
    TELHIO $115,000 n/a 0.0%
    The First National Bank of Ottawa $115,000 n/a 0.0%
    BROKER SOLUTIONS, INC. $135,000 $105,000 -22.2% 0.0%
    GUARANTY HOME MORTGAGE CORPORATION $105,000 n/a 0.0%
    IMPAC MORTGAGE CORP. $105,000 n/a 0.0%
    KELLER MORTGAGE, LLC $105,000 n/a 0.0%
    OCEANSIDE MORTGAGE COMPANY $125,000 $105,000 -16.0% 0.0%
    SOFI LENDING CORP. $410,000 $105,000 -74.4% 0.0%
    AMERICAN ADVISORS GROUP $490,000 $100,000 -79.6% 0.0%
    RESIDENTIAL BANCORP. $100,000 n/a 0.0%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $195,000 $95,000 -51.3% 0.0%
    Discover Bank $35,000 $95,000 171.4% 0.0%
    First Federal Savings and Loan Association of Lorain $95,000 n/a 0.0%
    MOVEMENT MORTGAGE, LLC $115,000 $85,000 -26.1% 0.0%
    First Financial Bank $560,000 $75,000 -86.6% 0.0%
    Transportation Federal Credit Union $75,000 n/a 0.0%
    NATIONWIDE MORTGAGE BANKERS, INC. $290,000 $65,000 -77.6% 0.0%
    Peoples Bank $65,000 n/a 0.0%
    PHH Mortgage Corporation $65,000 n/a 0.0%
    AMCAP MORTGAGE, LTD. $215,000 $45,000 -79.1% 0.0%
    Figure Lending LLC $50,000 $35,000 -30.0% 0.0%
    Truliant Federal Credit Union $25,000 n/a 0.0%

    Ashland's top lender by overall market share is The Huntington National Bank, with 13.0% market share. In second place, with 8.8%, is QUICKEN LOANS, LLC, having originated $23,300,000 in loans. In third place, with 7.5%, is The Park National Bank, having originated $19,840,000 in loans. In fourth place, with 7.2%, is Mechanics Bank, having originated $19,080,000 in loans. In fifth place, with 6.9%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $18,275,000 in loans.

    Ashland Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Ashland (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 $110,350 (-9.9%) $245,143 (19.5%) 0.00 92
    2018-02-01 $88,900 (-27.3%) $243,040 (10.2%) 0.00 94
    2018-03-01 $95,000 (-23.9%) $227,925 (0.4%) 0.00 103
    2018-04-01 $113,025 (-16.2%) $219,719 (1.0%) 0.00 105
    2018-05-01 $133,000 (6.4%) $232,231 (9.8%) 0.00 116
    2018-06-01 $149,450 (15.8%) $237,672 (16.9%) 0.00 142
    2018-07-01 $157,400 (16.6%) $249,859 (16.9%) 0.00 150
    2018-08-01 $153,725 (14.2%) $254,557 (12.6%) 0.00 141
    2018-09-01 $154,950 (19.5%) $247,541 (-1.4%) 0.00 149
    2018-10-01 $153,950 (14.3%) $241,718 (-4.1%) 0.00 141
    2018-11-01 $142,500 (18.8%) $243,927 (-3.2%) 0.00 130
    2018-12-01 $129,000 (8.9%) $225,284 (-9.4%) 0.00 116
    2019-01-01 $123,750 (12.1%) $202,879 (-17.2%) 0.00 101
    2019-02-01 $111,425 (25.3%) $231,104 (-4.9%) 0.00 100
    2019-03-01 $130,364 (37.2%) $258,735 (13.5%) 0.00 96
    2019-04-01 $155,625 (37.7%) $273,309 (24.4%) 0.00 97
    2019-05-01 $174,950 (31.5%) $266,003 (14.5%) 0.00 102
    2019-06-01 $172,000 (15.1%) $268,213 (12.9%) 0.00 103
    2019-07-01 $160,750 (2.1%) $260,819 (4.4%) 0.00 107
    2019-08-01 $166,155 (8.1%) $257,973 (1.3%) 0.00 109
    2019-09-01 $173,886 (12.2%) $259,030 (4.6%) 0.00 113
    2019-10-01 $179,900 (16.9%) $259,735 (7.5%) 0.00 114
    2019-11-01 $160,000 (12.3%) $261,943 (7.4%) 0.00 92
    2019-12-01 $149,925 (16.2%) $277,727 (23.3%) 0.00 78
    2020-01-01 $143,125 (15.7%) $267,547 (31.9%) 0.00 72
    2020-02-01 $149,900 (34.5%) $219,889 (-4.9%) 0.00 76
    2020-03-01 $149,450 (14.6%) $233,728 (-9.7%) 0.00 73
    2020-04-01 $163,700 (5.2%) $223,506 (-18.2%) 0.00 62
    2020-05-01 $159,950 (-8.6%) $260,476 (-2.1%) 0.00 57
    2020-06-01 $159,450 (-7.3%) $266,091 (-0.8%) 0.00 51
    2020-07-01 $183,925 (14.4%) $279,379 (7.1%) 0.00 54
    2020-08-01 $179,450 (8.0%) $259,397 (0.6%) 0.00 57
    2020-09-01 $182,825 (5.1%) $256,666 (-0.9%) 0.00 54
    2020-10-01 $180,000 (0.1%) $249,575 (-3.9%) 0.00 63
    2020-11-01 $177,000 (10.6%) $232,093 (-11.4%) 0.00 68
    2020-12-01 $158,950 (6.0%) $226,279 (-18.5%) 0.00 63
    2021-01-01 $168,900 (18.0%) $219,132 (-18.1%) 0.00 51
    2021-02-01 $172,950 (15.4%) $240,904 (9.6%) 0.00 49
    2021-03-01 $169,475 (13.4%) $245,421 (5.0%) 0.00 43
    2021-04-01 $174,175 (6.4%) $280,778 (25.6%) 0.00 42
    2021-05-01 $179,900 (12.5%) $279,040 (7.1%) 0.00 48
    2021-06-01 $196,475 (23.2%) $294,912 (10.8%) 0.00 37
    2021-07-01 $180,000 (-2.1%) $248,241 (-11.2%) 0.00 44
    2021-08-01 $229,900 (28.1%) $260,829 (0.6%) 0.00 83
    2021-09-01 $229,900 (25.8%) $252,751 (-1.5%) 0.00 95
    2021-10-01 $224,900 (24.9%) $249,845 (0.1%) 0.00 89
    2021-11-01 $229,900 (29.9%) $251,294 (8.3%) 0.00 63
    2021-12-01 $213,675 (34.4%) $220,912 (-2.4%) 0.00 59
    2022-01-01 $225,000 (33.2%) $220,006 (0.4%) 0.00 58
    2022-02-01 $229,900 (32.9%) $226,948 (-5.8%) 0.00 45
    2022-03-01 $229,900 (35.7%) $232,479 (-5.3%) 0.00 40
    2022-04-01 $237,450 (36.3%) $246,150 (-12.3%) 0.00 32
    2022-05-01 $210,000 (16.7%) $260,747 (-6.6%) 0.00 50
    2022-06-01 $223,625 (13.8%) $264,729 (-10.2%) 0.00 51
    2022-07-01 $219,500 (21.9%) $255,251 (2.8%) 0.00 52
    2022-08-01 $227,450 (-1.1%) $291,023 (11.6%) 0.00 57
    2022-09-01 $199,825 (-13.1%) $280,692 (11.1%) 0.00 65
    2022-10-01 $195,000 (-13.3%) $261,695 (4.7%) 0.00 65
    2022-11-01 $229,000 (-0.4%) $291,791 (16.1%) 0.00 57
    2022-12-01 $202,500 (-5.2%) $278,096 (25.9%) 0.00 57
    2023-01-01 $199,675 (-11.3%) $281,513 (28.0%) 0.00 46
    2023-02-01 $199,450 (-13.2%) $352,018 (55.1%) 0.00 41
    Ashland's median listing price for 2023-02-01 was $199,450, a difference of $-30,450 (-13.2%) versus the prior year and $-225 versus the prior month.

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

    Ashland's average listing price for 2023-02-01 was $352,018, a difference of $125,070 (55.1%) versus the prior year and $70,505 versus the prior month.

    For the 2023-02-01 period, Ashland had 41 MLS listings, a difference of -5 listings (-11%) versus the prior month and -4 listings (-9%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Ashland (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,440 sqft
    2018-02-01 0 days 1,434 sqft
    2018-03-01 0 days 1,344 sqft
    2018-04-01 0 days 1,482 sqft
    2018-05-01 0 days 1,475 sqft
    2018-06-01 0 days 1,520 sqft
    2018-07-01 0 days 1,676 sqft
    2018-08-01 0 days 1,686 sqft
    2018-09-01 0 days 1,715 sqft
    2018-10-01 0 days 1,678 sqft
    2018-11-01 0 days 1,720 sqft
    2018-12-01 0 days 1,600 sqft
    2019-01-01 0 days 1,581 sqft
    2019-02-01 0 days 1,506 sqft
    2019-03-01 0 days 1,571 sqft
    2019-04-01 0 days 1,719 sqft
    2019-05-01 0 days 1,740 sqft
    2019-06-01 0 days 1,754 sqft
    2019-07-01 0 days 1,621 sqft
    2019-08-01 0 days 1,637 sqft
    2019-09-01 0 days 1,706 sqft
    2019-10-01 0 days 1,760 sqft
    2019-11-01 0 days 1,632 sqft
    2019-12-01 0 days 1,608 sqft
    2020-01-01 0 days 1,580 sqft
    2020-02-01 0 days 1,485 sqft
    2020-03-01 0 days 1,481 sqft
    2020-04-01 0 days 1,578 sqft
    2020-05-01 0 days 1,662 sqft
    2020-06-01 0 days 1,596 sqft
    2020-07-01 0 days 1,695 sqft
    2020-08-01 0 days 1,664 sqft
    2020-09-01 0 days 1,713 sqft
    2020-10-01 0 days 1,639 sqft
    2020-11-01 0 days 1,590 sqft
    2020-12-01 0 days 1,587 sqft
    2021-01-01 0 days 1,566 sqft
    2021-02-01 0 days 1,706 sqft
    2021-03-01 0 days 1,692 sqft
    2021-04-01 0 days 1,676 sqft
    2021-05-01 0 days 1,556 sqft
    2021-06-01 0 days 1,577 sqft
    2021-07-01 0 days 1,612 sqft
    2021-08-01 0 days 1,620 sqft
    2021-09-01 0 days 1,620 sqft
    2021-10-01 0 days 1,620 sqft
    2021-11-01 0 days 1,620 sqft
    2021-12-01 0 days 1,620 sqft
    2022-01-01 0 days 1,620 sqft
    2022-02-01 0 days 1,620 sqft
    2022-03-01 0 days 1,620 sqft
    2022-04-01 0 days 1,620 sqft
    2022-05-01 0 days 1,668 sqft
    2022-06-01 0 days 1,615 sqft
    2022-07-01 0 days 1,610 sqft
    2022-08-01 0 days 1,642 sqft
    2022-09-01 0 days 1,568 sqft
    2022-10-01 0 days 1,522 sqft
    2022-11-01 0 days 1,609 sqft
    2022-12-01 0 days 1,451 sqft
    2023-01-01 0 days 1,451 sqft
    2023-02-01 0 days 1,516 sqft
    Ashland's median listing age (time on market) for 2023-02-01 was 0 days.

    Ashland's median square footage for active listings during the 2023-02-01 period was 1,516 sqft. One year prior, the average listing was 1,620 sqft.

    Ashland, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 706 $116,120,000 $164,476
    Refi 581 $80,855,000 $139,165
    Cash Out Refi 378 $51,640,000 $136,614
    Other 94 $7,470,000 $79,468
    Home Improvement 93 $7,305,000 $78,548

    Ashland's most frequently cited loan purpose was Home Purchase, with 706 originations. The 2nd most popular reason was Refi, with 581 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 785 $114,415,000 $145,752
    2.5-3% 623 $96,395,000 $154,727
    <2.5% 195 $29,885,000 $153,256
    4-5% 105 $9,175,000 $87,381
    5-6% 36 $1,880,000 $52,222
    6-7% 9 $445,000 $49,444
    Over 8% 7 $105,000 $15,000
    7-8% 5 $95,000 $19,000

    During 2021, Ashland's most frequently originated rate bucket was 3-4%, with 785 originations.

    Loan Sizing (Ashland, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 902 $128,300,000 $142,239
    $100,000 or less 598 $40,940,000 $68,462
    $200k-400k 338 $87,270,000 $258,195
    $400k-600k 14 $6,880,000 $491,429

    Ashland's loan sizing saw the bucket of loans from $100k-200k with 902 originations, totaling $128,300,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 676 $113,560,000 $167,988
    60-80% 521 $78,665,000 $150,988
    40-60% 281 $34,555,000 $122,972
    20-40% 150 $11,210,000 $74,733
    Under 20% 62 $2,300,000 $37,097
    Over 100% 8 $1,530,000 $191,250

    Ashland's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 676 originations, totaling $113,560,000 in origination value.