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 6.74% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 6.65% and one month ago for the week of 2025-02-27, the average rate was 6.76%.

    Ashland's average rate one year ago was 6.69%.

    For refis of the same type during the week of 2025-04-03, the average rate was 6.94%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Ashland 30 Year Fixed Rate 2025-04-03 6.74%
    Ashland 30 Year Fixed Rate Refi 2025-04-03 6.94%
    Ashland 15 Year Fixed Rate 2025-04-03 5.92%
    Ashland 15 Year Fixed Rate Refi 2025-04-03 6.12%
    Ashland 30 Year FHA 2025-04-03 6.48%
    Ashland 30 Year FHA Refi 2025-04-03 6.46%
    Ashland 30 Year USDA 2025-04-03 6.52%
    Ashland 30 Year USDA Refi 2025-04-03 6.32%
    Ashland 30 Year VA 2025-04-03 6.26%
    Ashland 30 Year VA Refi 2025-04-03 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mechanics Bank 46 6.01% $2,519
    The Park National Bank 43 7.00% $4,158
    CROSSCOUNTRY MORTGAGE, LLC 39 7.08% $6,695
    The Huntington National Bank 34 6.93% $4,296
    QUICKEN LOANS, LLC 26 6.55% $5,726
    THE EQUITABLE MORTGAGE CORPORATION 23 6.54% $4,017
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 16 7.25% $4,115
    JPMorgan Chase Bank 15 6.73% $3,922
    Farm Credit Mid-America, ACA 12 7.06% $5,709
    UNITED WHOLESALE MORTGAGE, LLC 8 6.61% $7,100
    PNC Bank 8 6.86% $3,835
    UNION HOME MORTGAGE CORP. 7 7.10% $6,632
    YOUR HOME FINANCIAL LLC 6 6.93% $5,169
    First Federal Bank of the Midwest 4 6.03% $4,231
    GUARANTEED RATE, INC. 4 6.81% $4,740
    RUOFF MORTGAGE COMPANY, INC. 4 6.81% $4,349
    LOANDEPOT.COM, LLC 3 6.46% $8,031
    HOWARD HANNA FINANCIAL SERVICES, INC. 3 6.67% $4,088
    Directions Credit Union, Inc. 3 6.67% $1,900
    WRIGHT-PATT CREDIT UNION, INC. 3 6.04% $3,614
    First Federal Savings and Loan Association of Lakewood 2 7.20% $5,902
    AmeriHome Mortgage Company, LLC 2 7.13% $3,970
    Union Savings Bank 2 6.00% $1,993
    NORTHERN MORTGAGE SERVICES, LLC 2 6.56% $7,681
    NFM, INC. 2 7.00% $8,874
    BROKER SOLUTIONS, INC. 2 7.31% $6,644
    NAVY FEDERAL CREDIT UNION 2 7.25% $5,216
    NEWREZ LLC 2 6.68% $5,018
    T2 FINANCIAL LLC 2 6.25% $7,406
    Mr. Cooper ( Nationstar Mortgage ) 2 7.63% $6,812
    ZILLOW HOME LOANS, LLC 1 6.63% $4,369
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.50% $7,830
    Barrington Bank & Trust Company, N.A. 1 6.88% $5,635
    BETTER MORTGAGE CORPORATION 1 7.13% $2,919
    Carrington Mortgage Services, LLC 1 7.00% $5,922
    Civista Bank 1 7.25% $3,189
    Community Star Credit Union 1 7.38% $3,321
    Discover Bank 1 7.18% $0
    Dollar Bank, Federal Savings Bank 1 6.63% $2,529
    Farmers Bank & Trust 1 6.38% $4,541
    Fifth Third Bank 1 6.88% $4,352
    First Commonwealth Bank 1 7.50% $4,316
    Flagstar Bank, FSB 1 6.99% $3,734
    GENEVA FINANCIAL, LLC 1 6.88% $8,229
    GVC MORTGAGE, INC. 1 6.13% $7,005
    HOMESIDE FINANCIAL, LLC 1 6.99% $4,339
    KEMBA FINANCIAL 1 7.50% $4,739
    LIBERTY HOME MORTGAGE CORPORATION 1 6.88% $3,450
    MORTGAGEONE, INC. 1 7.00% $2,230
    MUTUAL OF OMAHA MORTGAGE, INC. 1 7.13% $2,793
    MYCUMORTGAGE, LLC 1 8.13% $2,870
    Nations Lending Corporation 1 6.38% $6,919
    NP, Inc. 1 7.50% $8,361
    PrimeSouth Bank 1 7.06% $5,319
    Prosperity Home Mortgage, LLC 1 7.13% $3,220
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 7.00% $3,463
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 9.50% $2,668
    WEST PENN FINANCIAL SERVICE CENTER, INC. 1 7.13% $4,250
    ALLIED MORTGAGE GROUP, INC. 1 6.25% $7,419

    Ashland Average Closing Costs & Other Stats

    Ashland, OH's 59 lenders originated 1,139 loans during 2024. The total origination value was $180,545,000, with an average loan value of $158,512.

    Ashland's average closing costs are $4,535.

    The top Ashland lender as defined by loan originations is Mechanics Bank, with 46 loans originated. Their average total fees are $2,519, which is $1,640 lower than the next largest lender, The Park National Bank.

    The lowest fee Ashland lenders (with over 10 loans originated) are Mechanics Bank ($2,519), JPMorgan Chase Bank ($3,922), THE EQUITABLE MORTGAGE CORPORATION ($4,017), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($4,115) and The Park National Bank ($4,158).

    The lowest rate Ashland lenders (with over 10 loans originated) are Mechanics Bank (6.01%), THE EQUITABLE MORTGAGE CORPORATION (6.54%), QUICKEN LOANS, LLC (6.55%), JPMorgan Chase Bank (6.73%) and The Huntington National Bank (6.93%).

    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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    The Huntington National Bank $15,160,000 $23,890,000 57.6% 13.2%
    CROSSCOUNTRY MORTGAGE, LLC $11,395,000 $14,890,000 30.7% 8.2%
    Mechanics Bank $12,720,000 $14,775,000 16.2% 8.2%
    QUICKEN LOANS, LLC $8,820,000 $14,130,000 60.2% 7.8%
    The Park National Bank $11,970,000 $12,930,000 8.0% 7.2%
    PNC Bank $3,400,000 $6,810,000 100.3% 3.8%
    THE EQUITABLE MORTGAGE CORPORATION $4,180,000 $5,210,000 24.6% 2.9%
    Farm Credit Mid-America, ACA $1,775,000 $4,980,000 180.6% 2.8%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $5,325,000 $4,920,000 -7.6% 2.7%
    UNITED WHOLESALE MORTGAGE, LLC $2,790,000 $4,740,000 69.9% 2.6%
    UNION HOME MORTGAGE CORP. $5,530,000 $4,335,000 -21.6% 2.4%
    Mortgage Research Center, LLC $2,815,000 $4,150,000 47.4% 2.3%
    JPMorgan Chase Bank $1,640,000 $3,245,000 97.9% 1.8%
    Wayne Savings Community Bank $1,295,000 $2,925,000 125.9% 1.6%
    The Farmers Savings Bank $1,395,000 $2,785,000 99.6% 1.5%
    The Commercial and Savings Bank of Millersburg Ohio $740,000 $2,675,000 261.5% 1.5%
    Directions Credit Union, Inc. $2,625,000 $2,240,000 -14.7% 1.2%
    FREEDOM MORTGAGE CORPORATION $965,000 $1,990,000 106.2% 1.1%
    YOUR HOME FINANCIAL LLC $225,000 $1,875,000 733.3% 1.0%
    GUARANTEED RATE, INC. $395,000 $1,775,000 349.4% 1.0%
    The Farmers National Bank of Canfield $1,335,000 $1,740,000 30.3% 1.0%
    LOANDEPOT.COM, LLC $930,000 $1,450,000 55.9% 0.8%
    Mr. Cooper ( Nationstar Mortgage ) $1,010,000 $1,395,000 38.1% 0.8%
    NAVY FEDERAL CREDIT UNION $475,000 $1,220,000 156.8% 0.7%
    First Federal Bank of the Midwest $2,635,000 $1,175,000 -55.4% 0.7%
    HOWARD HANNA FINANCIAL SERVICES, INC. $1,985,000 $1,085,000 -45.3% 0.6%
    Sutton Bank $375,000 $1,010,000 169.3% 0.6%
    First Federal Savings and Loan Association of Lakewood $970,000 $965,000 -0.5% 0.5%
    NORTHERN MORTGAGE SERVICES, LLC $375,000 $945,000 152.0% 0.5%
    NFM, INC. $470,000 $940,000 100.0% 0.5%
    RUOFF MORTGAGE COMPANY, INC. $870,000 $910,000 4.6% 0.5%
    PENNYMAC LOAN SERVICES, LLC $830,000 $905,000 9.0% 0.5%
    FIRST OHIO HOME FINANCE, INC. $620,000 $855,000 37.9% 0.5%
    AmeriHome Mortgage Company, LLC $210,000 $825,000 292.9% 0.5%
    AG Credit, Agricultural Credit Association $385,000 $815,000 111.7% 0.5%
    The Apple Creek Banking Company $550,000 $815,000 48.2% 0.5%
    T2 FINANCIAL LLC $285,000 $740,000 159.6% 0.4%
    BROKER SOLUTIONS, INC. $320,000 $710,000 121.9% 0.4%
    First National Bank of Pennsylvania $205,000 $685,000 234.1% 0.4%
    U.S. Bank $505,000 $640,000 26.7% 0.4%
    Westfield Bank, FSB $335,000 $630,000 88.1% 0.3%
    21ST MORTGAGE CORPORATION $55,000 $620,000 1,027.3% 0.3%
    Flagstar Bank, FSB $865,000 $610,000 -29.5% 0.3%
    Nations Lending Corporation $570,000 n/a 0.3%
    USAA Federal Savings Bank $700,000 $570,000 -18.6% 0.3%
    MUTUAL OF OMAHA MORTGAGE, INC. $470,000 $535,000 13.8% 0.3%
    GENEVA FINANCIAL, LLC $175,000 $480,000 174.3% 0.3%
    POLARIS HOME FUNDING CORP. $480,000 n/a 0.3%
    First Commonwealth Bank $470,000 n/a 0.3%
    WRIGHT-PATT CREDIT UNION, INC. $345,000 $470,000 36.2% 0.3%
    Carrington Mortgage Services, LLC $340,000 $450,000 32.4% 0.2%
    Citizens Bank $425,000 $450,000 5.9% 0.2%
    NEWREZ LLC $415,000 $445,000 7.2% 0.2%
    S1L, Inc. $445,000 n/a 0.2%
    1ST SIGNATURE LENDING, LLC $195,000 $435,000 123.1% 0.2%
    Third Federal Savings and Loan Association of Cleveland $1,260,000 $420,000 -66.7% 0.2%
    C E S $115,000 $415,000 260.9% 0.2%
    First Merchants Bank $405,000 n/a 0.2%
    RELIANCE FIRST CAPITAL, LLC $610,000 $400,000 -34.4% 0.2%
    V.I.P. MORTGAGE, INC. $400,000 n/a 0.2%
    First Federal Community Bank of Bucyrus $385,000 n/a 0.2%
    Union Savings Bank $300,000 $380,000 26.7% 0.2%
    WesBanco $365,000 n/a 0.2%
    Civista Bank $815,000 $360,000 -55.8% 0.2%
    VILLAGE CAPITAL MORTGAGE $125,000 $340,000 172.0% 0.2%
    HomePromise Corporation $325,000 n/a 0.2%
    NBKC BANK $55,000 $325,000 490.9% 0.2%
    AMERICAN PACIFIC MORTGAGE CORPORATION $305,000 n/a 0.2%
    GVC MORTGAGE, INC. $305,000 n/a 0.2%
    Farmers Bank & Trust $295,000 n/a 0.2%
    Figure Lending LLC $170,000 $295,000 73.5% 0.2%
    KEMBA FINANCIAL $295,000 n/a 0.2%
    MORTGAGEONE, INC. $295,000 n/a 0.2%
    LAKEVIEW LOAN SERVICING, LLC $125,000 $290,000 132.0% 0.2%
    Bath State Bank $285,000 n/a 0.2%
    Discover Bank $305,000 $275,000 -9.8% 0.2%
    Dollar Bank, Federal Savings Bank $120,000 $270,000 125.0% 0.1%
    LIBERTY HOME MORTGAGE CORPORATION $155,000 $265,000 71.0% 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $75,000 $265,000 253.3% 0.1%
    First National Bank of Bellevue $105,000 $255,000 142.9% 0.1%
    Republic State Mortgage Co. $255,000 n/a 0.1%
    BETTER MORTGAGE CORPORATION $275,000 $245,000 -10.9% 0.1%
    SPRING EQ, LLC $55,000 $240,000 336.4% 0.1%
    AMERICAN FINANCING CORPORATION $310,000 $225,000 -27.4% 0.1%
    TruHome Solutions, LLC $215,000 n/a 0.1%
    ZILLOW HOME LOANS, LLC $105,000 $215,000 104.8% 0.1%
    HOMESIDE FINANCIAL, LLC $205,000 n/a 0.1%
    Fifth Third Bank $1,390,000 $200,000 -85.6% 0.1%
    The Federal Savings Bank $255,000 $195,000 -23.5% 0.1%
    TOP FLITE FINANCIAL, INC. $445,000 $195,000 -56.2% 0.1%
    Plains Commerce Bank $75,000 $190,000 153.3% 0.1%
    ALLIED MORTGAGE GROUP, INC. $195,000 $185,000 -5.1% 0.1%
    Equity Prime Mortgage LLC $185,000 n/a 0.1%
    First Federal Bank of Ohio $185,000 n/a 0.1%
    PROVIDENT FUNDING ASSOCIATES, L.P. $185,000 n/a 0.1%
    UNION CAPITAL MORTGAGE CORPORATION $185,000 n/a 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $275,000 $175,000 -36.4% 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $165,000 n/a 0.1%
    Community Star Credit Union $145,000 $165,000 13.8% 0.1%
    WEST PENN FINANCIAL SERVICE CENTER, INC. $165,000 n/a 0.1%
    TELHIO $160,000 n/a 0.1%
    Barrington Bank & Trust Company, N.A. $165,000 $155,000 -6.1% 0.1%
    LENDINGHOME FUNDING CORPORATION $370,000 $155,000 -58.1% 0.1%
    NEW DAY FINANCIAL, LLC $255,000 $155,000 -39.2% 0.1%
    NP, Inc. $155,000 n/a 0.1%
    OCEANSIDE MORTGAGE COMPANY $155,000 n/a 0.1%
    PLAZA HOME MORTGAGE, INC. $155,000 n/a 0.1%
    MID AMERICA MORTGAGE, INC. $255,000 $140,000 -45.1% 0.1%
    Wells Fargo Bank $85,000 $140,000 64.7% 0.1%
    CANOPY MORTGAGE, LLC $135,000 n/a 0.1%
    PrimeSouth Bank $135,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $95,000 $130,000 36.8% 0.1%
    AMERISAVE MORTGAGE CORPORATION $900,000 $110,000 -87.8% 0.1%
    LAFAYETTE FEDERAL CREDIT UNION $105,000 n/a 0.1%
    CALCON MUTUAL MORTGAGE LLC $95,000 n/a 0.1%
    Coastal Community Bank $55,000 $95,000 72.7% 0.1%
    Prosperity Home Mortgage, LLC $165,000 $75,000 -54.5% 0.0%
    Bethpage Federal Credit Union $55,000 n/a 0.0%
    BRIDGE $55,000 n/a 0.0%
    GEORGIA'S OWN $55,000 n/a 0.0%
    MYCUMORTGAGE, LLC $55,000 n/a 0.0%
    S&T Bank $55,000 n/a 0.0%
    Gateway First Bank $45,000 $35,000 -22.2% 0.0%
    Superior Credit Union, Inc. $35,000 n/a 0.0%
    ATLANTA POSTAL $25,000 n/a 0.0%

    Ashland's top lender by overall market share is The Huntington National Bank, with 13.2% market share. In second place, with 8.2%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $14,890,000 in loans. In third place, with 8.2%, is Mechanics Bank, having originated $14,775,000 in loans. In fourth place, with 7.8%, is QUICKEN LOANS, LLC, having originated $14,130,000 in loans. In fifth place, with 7.2%, is The Park National Bank, having originated $12,930,000 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 $111,850 (-8.7%) $246,995 (20.4%) 0.00 91
    2018-02-01 $89,175 (-27.0%) $244,884 (11.0%) 0.00 93
    2018-03-01 $97,000 (-22.2%) $229,373 (1.1%) 0.00 102
    2018-04-01 $114,275 (-15.3%) $221,195 (1.1%) 0.00 104
    2018-05-01 $135,250 (8.2%) $233,639 (10.6%) 0.00 115
    2018-06-01 $149,450 (15.8%) $237,672 (16.9%) 0.00 141
    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 (8.4%) $225,284 (-10.1%) 0.00 116
    2019-01-01 $123,750 (10.6%) $202,879 (-17.9%) 0.00 101
    2019-02-01 $111,425 (25.0%) $231,104 (-5.6%) 0.00 100
    2019-03-01 $130,364 (34.4%) $258,735 (12.8%) 0.00 96
    2019-04-01 $156,250 (36.7%) $273,022 (23.4%) 0.00 97
    2019-05-01 $174,950 (29.4%) $266,003 (13.9%) 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 $141,250 (14.1%) $265,479 (30.9%) 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 (4.8%) $223,506 (-18.1%) 0.00 62
    2020-05-01 $165,000 (-5.7%) $263,155 (-1.1%) 0.00 56
    2020-06-01 $159,900 (-7.0%) $266,091 (-0.8%) 0.00 51
    2020-07-01 $183,925 (14.4%) $279,379 (7.1%) 0.00 54
    2020-08-01 $189,000 (13.8%) $262,911 (1.9%) 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 (19.6%) $219,132 (-17.5%) 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 (9.0%) $279,040 (6.0%) 0.00 48
    2021-06-01 $196,475 (22.9%) $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 (21.6%) $260,829 (-0.8%) 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%) $251,858 (1.5%) 0.00 52
    2022-08-01 $231,950 (0.9%) $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 56
    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
    2023-03-01 $212,400 (-7.6%) $329,769 (41.9%) 0.00 34
    2023-04-01 $189,900 (-20.0%) $311,865 (26.7%) 0.00 41
    2023-05-01 $248,400 (18.3%) $353,428 (35.5%) 0.00 45
    2023-06-01 $258,450 (15.6%) $316,444 (19.5%) 0.00 44
    2023-07-01 $320,000 (45.8%) $402,308 (59.7%) 0.00 48
    2023-08-01 $297,900 (28.4%) $387,590 (33.2%) 0.00 43
    2023-09-01 $289,000 (44.6%) $347,041 (23.6%) 0.00 54
    2023-10-01 $267,500 (37.2%) $317,508 (21.3%) 0.00 55
    2023-11-01 $258,750 (13.0%) $300,461 (3.0%) 0.00 49
    2023-12-01 $299,900 (48.1%) $325,840 (17.2%) 0.00 48
    2024-01-01 $284,500 (42.5%) $345,764 (22.8%) 0.00 33
    2024-02-01 $292,500 (46.7%) $357,242 (1.5%) 0.00 27
    2024-03-01 $295,000 (38.9%) $328,113 (-0.5%) 0.00 32
    2024-04-01 $302,225 (59.2%) $353,306 (13.3%) 0.00 43
    2024-05-01 $294,675 (18.6%) $375,874 (6.4%) 0.00 44
    2024-06-01 $276,750 (7.1%) $345,195 (9.1%) 0.00 48
    2024-07-01 $264,925 (-17.2%) $333,547 (-17.1%) 0.00 50
    2024-08-01 $249,450 (-16.3%) $305,380 (-21.2%) 0.00 63
    2024-09-01 $274,925 (-4.9%) $319,859 (-7.8%) 0.00 67
    2024-10-01 $249,675 (-6.7%) $299,715 (-5.6%) 0.00 67
    2024-11-01 $271,950 (5.1%) $314,322 (4.6%) 0.00 69
    2024-12-01 $265,000 (-11.6%) $314,538 (-3.5%) 0.00 65
    2025-01-01 $284,700 (0.1%) $323,569 (-6.4%) 0.00 51
    2025-02-01 $278,725 (-4.7%) $331,399 (-7.2%) 0.00 39
    2025-03-01 $268,000 (-9.2%) $319,616 (-2.6%) 0.00 39
    Ashland's median listing price for 2025-03-01 was $268,000, a difference of $-27,000 (-9.2%) versus the prior year and $-10,725 versus the prior month.

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

    Ashland's average listing price for 2025-03-01 was $319,616, a difference of $-8,497 (-2.6%) versus the prior year and $-11,783 versus the prior month.

    For the 2025-03-01 period, Ashland had 39 MLS listings, a difference of 0 listings (0%) versus the prior month and 7 listings (22%) 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 1,444 sqft
    2018-02-01 0 days 1,437 sqft
    2018-03-01 0 days 1,344 sqft
    2018-04-01 0 days 1,493 sqft
    2018-05-01 0 days 1,496 sqft
    2018-06-01 0 days 1,520 sqft
    2018-07-01 0 days 1,662 sqft
    2018-08-01 0 days 1,679 sqft
    2018-09-01 0 days 1,673 sqft
    2018-10-01 0 days 1,657 sqft
    2018-11-01 0 days 1,698 sqft
    2018-12-01 0 days 1,600 sqft
    2019-01-01 0 days 1,569 sqft
    2019-02-01 0 days 1,503 sqft
    2019-03-01 0 days 1,564 sqft
    2019-04-01 0 days 1,718 sqft
    2019-05-01 0 days 1,728 sqft
    2019-06-01 0 days 1,740 sqft
    2019-07-01 0 days 1,613 sqft
    2019-08-01 0 days 1,636 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 1,605 sqft
    2020-01-01 0 days 1,578 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 1,657 sqft
    2020-06-01 0 days 1,597 sqft
    2020-07-01 0 days 1,695 sqft
    2020-08-01 0 days 1,738 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 1,620 sqft
    2022-07-01 0 days 1,592 sqft
    2022-08-01 0 days 1,664 sqft
    2022-09-01 0 days 1,569 sqft
    2022-10-01 0 days 1,532 sqft
    2022-11-01 0 days 1,609 sqft
    2022-12-01 0 days 1,451 sqft
    2023-01-01 0 days 1,465 sqft
    2023-02-01 0 days 1,571 sqft
    2023-03-01 0 days 1,561 sqft
    2023-04-01 0 days 1,532 sqft
    2023-05-01 0 days 1,680 sqft
    2023-06-01 0 days 1,697 sqft
    2023-07-01 0 days 1,856 sqft
    2023-08-01 0 days 1,814 sqft
    2023-09-01 0 days 1,671 sqft
    2023-10-01 0 days 1,708 sqft
    2023-11-01 0 days 1,779 sqft
    2023-12-01 0 days 1,839 sqft
    2024-01-01 0 days 1,780 sqft
    2024-02-01 0 days 1,848 sqft
    2024-03-01 0 days 1,722 sqft
    2024-04-01 0 days 1,744 sqft
    2024-05-01 0 days 1,860 sqft
    2024-06-01 0 days 1,756 sqft
    2024-07-01 0 days 1,801 sqft
    2024-08-01 0 days 1,680 sqft
    2024-09-01 0 days 1,712 sqft
    2024-10-01 0 days 1,649 sqft
    2024-11-01 0 days 1,778 sqft
    2024-12-01 0 days 1,612 sqft
    2025-01-01 0 days 1,574 sqft
    2025-02-01 0 days 1,629 sqft
    2025-03-01 0 days 1,634 sqft
    Ashland's median listing age (time on market) for 2025-03-01 was 0 days.

    Ashland's median square footage for active listings during the 2025-03-01 period was 1,634 sqft. One year prior, the average listing was 1,722 sqft.

    Ashland, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 543 $112,545,000 $207,265
    Cash Out Refi 162 $24,520,000 $151,358
    Home Improvement 158 $12,760,000 $80,759
    Refi 153 $21,035,000 $137,484
    Other 123 $9,685,000 $78,740

    Ashland's most frequently cited loan purpose was Home Purchase, with 543 originations. The 2nd most popular reason was Cash Out Refi, with 162 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 338 $67,040,000 $198,343
    Over 8% 329 $26,865,000 $81,657
    7-8% 264 $43,550,000 $164,962
    5-6% 117 $27,015,000 $230,897
    4-5% 12 $2,980,000 $248,333
    3-4% 3 $645,000 $215,000
    <2.5% 2 $10,000 $5,000

    During 2024, Ashland's most frequently originated rate bucket was 6-7%, with 338 originations.

    Loan Sizing (Ashland, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 426 $61,080,000 $143,380
    $100,000 or less 406 $23,270,000 $57,315
    $200k-400k 255 $69,425,000 $272,255
    $400k-600k 41 $18,695,000 $455,976
    $600k-1000k 9 $5,835,000 $648,333
    $Over $1MM 2 $2,240,000 $1,120,000

    Ashland's loan sizing saw the bucket of loans from $100k-200k with 426 originations, totaling $61,080,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 378 $81,950,000 $216,799
    60-80% 211 $40,325,000 $191,114
    20-40% 200 $16,810,000 $84,050
    Under 20% 134 $5,250,000 $39,179
    40-60% 126 $18,260,000 $144,921
    Over 100% 13 $3,385,000 $260,385

    Ashland's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 378 originations, totaling $81,950,000 in origination value.