Ashland Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Ashland averaged 6.27% for the week of 2024-10-10, compared to the national average of 6.32% for the same period.

The average rate for the prior week (2024-10-03) was 5.97% and one month ago for the week of 2024-09-05, the average rate was 6.2%.

Ashland's average rate one year ago was 7.74%.

For refis of the same type during the week of 2024-10-10, the average rate was 6.22%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-10 6.32%
Ashland 30 Year Fixed Rate 2024-10-10 6.27%
Ashland 30 Year Fixed Rate Refi 2024-10-10 6.22%
Ashland 15 Year Fixed Rate 2024-10-10 5.51%
Ashland 15 Year Fixed Rate Refi 2024-10-10 5.41%
Ashland 30 Year FHA 2024-10-10 6.12%
Ashland 30 Year FHA Refi 2024-10-10 6.1%
Ashland 30 Year USDA 2024-10-10 6.28%
Ashland 30 Year USDA Refi 2024-10-10 6.18%
Ashland 30 Year VA 2024-10-10 6.05%
Ashland 30 Year VA Refi 2024-10-10 5.75%
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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
The Park National Bank 39 6.87% $3,478
CROSSCOUNTRY MORTGAGE, LLC 35 7.41% $6,120
Mechanics Bank 35 6.07% $2,340
QUICKEN LOANS, LLC 22 6.75% $6,601
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 19 7.36% $4,182
The Huntington National Bank 19 6.84% $3,602
UNION HOME MORTGAGE CORP. 15 7.26% $4,885
THE EQUITABLE MORTGAGE CORPORATION 15 6.63% $3,445
HOWARD HANNA FINANCIAL SERVICES, INC. 8 6.92% $4,289
JPMorgan Chase Bank 8 6.95% $4,371
Farm Credit Mid-America, ACA 6 7.00% $5,279
PNC Bank 6 6.73% $4,357
Directions Credit Union, Inc. 5 6.83% $1,040
UNITED WHOLESALE MORTGAGE, LLC 5 6.95% $4,818
Third Federal Savings and Loan Association of Cleveland 4 5.64% $909
Fifth Third Bank 4 6.68% $3,456
The Commercial and Savings Bank of Millersburg Ohio 4 7.34% $2,711
The Farmers National Bank of Canfield 4 7.16% $4,503
First Federal Savings and Loan Association of Lakewood 3 6.54% $5,321
RELIANCE FIRST CAPITAL, LLC 3 7.16% $7,600
Civista Bank 3 6.75% $4,533
AMERISAVE MORTGAGE CORPORATION 3 6.66% $5,970
Mr. Cooper ( Nationstar Mortgage ) 3 6.32% $6,804
RUOFF MORTGAGE COMPANY, INC. 3 7.25% $4,535
CHURCHILL MORTGAGE CORPORATION 2 6.81% $3,981
NFM, INC. 2 6.63% $7,141
AmeriHome Mortgage Company, LLC 2 5.94% $3,705
SECURITYNATIONAL MORTGAGE COMPANY 2 7.31% $4,891
Flagstar Bank, FSB 2 6.81% $6,248
USAA Federal Savings Bank 2 6.50% $4,086
U.S. Bank 2 7.06% $4,589
Mortgage Research Center, LLC 2 6.49% $1,359
NEWREZ LLC 2 6.94% $3,891
ZILLOW HOME LOANS, LLC 1 7.88% $4,442
AMCAP MORTGAGE, LTD. 1 6.50% $6,210
Citibank 1 7.63% $4,193
Citizens Bank 1 6.13% $4,402
Community Star Credit Union 1 6.75% $2,980
Dollar Bank, Federal Savings Bank 1 6.38% $3,074
DRAPER AND KRAMER MORTGAGE CORP. 1 7.99% $4,085
EQUITY RESOURCES, INC. 1 7.25% $2,785
Fidelity Federal Savings and Loan Association 1 6.25% $3,225
FIRST COMMUNITY MORTGAGE, INC. 1 6.88% $1,613
First Federal Bank of the Midwest 1 7.13% $2,795
First Federal Savings and Loan Association 1 6.75% $2,451
First Federal Savings and Loan Association of Lorain 1 5.63% $4,862
First National Bank of Bellevue 1 5.50% $3,447
KeyBank 1 5.75% $5,094
Leader Bank 1 6.95% $4,829
MUTUAL OF OMAHA MORTGAGE, INC. 1 7.50% $10,117
NORTHERN MORTGAGE SERVICES, LLC 1 7.13% $2,314
Northwest Bank 1 7.50% $3,772
Pathways Financial Credit Union, Inc. 1 5.00% $2,438
PHH Mortgage Corporation 1 6.50% $4,859
Plains Commerce Bank 1 7.00% $4,260
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.38% $5,037
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.50% $9,844
Sierra Pacific Mortgage Company, Inc. 1 6.38% $7,518
T2 FINANCIAL LLC 1 7.50% $11,405
The Loan Store, Inc. 1 5.88% $5,455
The Middlefield Banking Company 1 7.13% $2,940
Union Savings Bank 1 6.88% $2,599
WRIGHT-PATT CREDIT UNION, INC. 1 6.88% $3,362
YOUR HOME FINANCIAL LLC 1 6.99% $5,594
ALLIED MORTGAGE GROUP, INC. 1 6.38% $8,203

Ashland Average Closing Costs & Other Stats

Ashland, OH's 65 lenders originated 924 loans during 2023. The total origination value was $142,560,000, with an average loan value of $154,286.

Ashland's average closing costs are $4,328.

The top Ashland lender as defined by loan originations is The Park National Bank, with 39 loans originated. Their average total fees are $3,478, which is $2,642 lower than the next largest lender, CROSSCOUNTRY MORTGAGE, LLC.

The lowest fee Ashland lenders (with over 10 loans originated) are Mechanics Bank ($2,340), THE EQUITABLE MORTGAGE CORPORATION ($3,445), The Park National Bank ($3,478), The Huntington National Bank ($3,602) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($4,182).

The lowest rate Ashland lenders (with over 10 loans originated) are Mechanics Bank (6.07%), THE EQUITABLE MORTGAGE CORPORATION (6.63%), QUICKEN LOANS, LLC (6.75%), The Huntington National Bank (6.84%) and The Park National Bank (6.87%).

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
The Huntington National Bank $22,405,000 $15,160,000 -32.3% 10.6%
Mechanics Bank $23,220,000 $12,720,000 -45.2% 8.9%
The Park National Bank $15,490,000 $11,970,000 -22.7% 8.4%
CROSSCOUNTRY MORTGAGE, LLC $16,280,000 $11,395,000 -30.0% 8.0%
ORIX REAL ESTATE CAPITAL, LLC $9,465,000 n/a 6.6%
QUICKEN LOANS, LLC $11,065,000 $8,820,000 -20.3% 6.2%
UNION HOME MORTGAGE CORP. $7,650,000 $5,530,000 -27.7% 3.9%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $4,590,000 $5,325,000 16.0% 3.7%
THE EQUITABLE MORTGAGE CORPORATION $2,795,000 $4,180,000 49.6% 2.9%
PNC Bank $9,155,000 $3,400,000 -62.9% 2.4%
Mortgage Research Center, LLC $3,520,000 $2,815,000 -20.0% 2.0%
UNITED WHOLESALE MORTGAGE, LLC $950,000 $2,790,000 193.7% 2.0%
First Federal Bank of the Midwest $4,125,000 $2,635,000 -36.1% 1.8%
Directions Credit Union, Inc. $4,040,000 $2,625,000 -35.0% 1.8%
HOWARD HANNA FINANCIAL SERVICES, INC. $1,645,000 $1,985,000 20.7% 1.4%
Farm Credit Mid-America, ACA $2,495,000 $1,775,000 -28.9% 1.2%
JPMorgan Chase Bank $2,860,000 $1,640,000 -42.7% 1.2%
The Farmers Savings Bank $1,395,000 n/a 1.0%
Fifth Third Bank $2,360,000 $1,390,000 -41.1% 1.0%
The Farmers National Bank of Canfield $1,685,000 $1,335,000 -20.8% 0.9%
Wayne Savings Community Bank $8,420,000 $1,295,000 -84.6% 0.9%
Third Federal Savings and Loan Association of Cleveland $4,390,000 $1,260,000 -71.3% 0.9%
Mr. Cooper ( Nationstar Mortgage ) $1,275,000 $1,010,000 -20.8% 0.7%
First Federal Savings and Loan Association of Lakewood $1,990,000 $970,000 -51.3% 0.7%
FREEDOM MORTGAGE CORPORATION $370,000 $965,000 160.8% 0.7%
LOANDEPOT.COM, LLC $3,160,000 $930,000 -70.6% 0.7%
AMERISAVE MORTGAGE CORPORATION $825,000 $900,000 9.1% 0.6%
RUOFF MORTGAGE COMPANY, INC. $1,720,000 $870,000 -49.4% 0.6%
Flagstar Bank, FSB $1,155,000 $865,000 -25.1% 0.6%
PENNYMAC LOAN SERVICES, LLC $720,000 $830,000 15.3% 0.6%
Civista Bank $340,000 $815,000 139.7% 0.6%
The Commercial and Savings Bank of Millersburg Ohio $640,000 $740,000 15.6% 0.5%
USAA Federal Savings Bank $945,000 $700,000 -25.9% 0.5%
FIRST OHIO HOME FINANCE, INC. $445,000 $620,000 39.3% 0.4%
RELIANCE FIRST CAPITAL, LLC $320,000 $610,000 90.6% 0.4%
The Apple Creek Banking Company $2,330,000 $550,000 -76.4% 0.4%
U.S. Bank $2,110,000 $505,000 -76.1% 0.4%
NAVY FEDERAL CREDIT UNION $1,360,000 $475,000 -65.1% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $155,000 $470,000 203.2% 0.3%
NFM, INC. $470,000 n/a 0.3%
TOP FLITE FINANCIAL, INC. $180,000 $445,000 147.2% 0.3%
Citizens Bank $1,055,000 $425,000 -59.7% 0.3%
NEWREZ LLC $445,000 $415,000 -6.7% 0.3%
Portage Community Bank $410,000 n/a 0.3%
GUARANTEED RATE, INC. $1,020,000 $395,000 -61.3% 0.3%
PREMIA MORTGAGE, LLC $395,000 n/a 0.3%
AG Credit, Agricultural Credit Association $145,000 $385,000 165.5% 0.3%
NORTHERN MORTGAGE SERVICES, LLC $375,000 n/a 0.3%
Sutton Bank $545,000 $375,000 -31.2% 0.3%
LENDINGHOME FUNDING CORPORATION $150,000 $370,000 146.7% 0.3%
DRAPER AND KRAMER MORTGAGE CORP. $255,000 $365,000 43.1% 0.3%
University Bank $355,000 n/a 0.2%
WRIGHT-PATT CREDIT UNION, INC. $1,350,000 $345,000 -74.4% 0.2%
Carrington Mortgage Services, LLC $105,000 $340,000 223.8% 0.2%
Pathways Financial Credit Union, Inc. $335,000 n/a 0.2%
Westfield Bank, FSB $245,000 $335,000 36.7% 0.2%
BROKER SOLUTIONS, INC. $1,125,000 $320,000 -71.6% 0.2%
AMERICAN FINANCING CORPORATION $195,000 $310,000 59.0% 0.2%
Discover Bank $305,000 n/a 0.2%
Union Savings Bank $350,000 $300,000 -14.3% 0.2%
American Airlines Federal Credit Union $295,000 n/a 0.2%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $295,000 n/a 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $290,000 $285,000 -1.7% 0.2%
T2 FINANCIAL LLC $285,000 n/a 0.2%
BETTER MORTGAGE CORPORATION $185,000 $275,000 48.6% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $275,000 n/a 0.2%
CHURCHILL MORTGAGE CORPORATION $340,000 $260,000 -23.5% 0.2%
MID AMERICA MORTGAGE, INC. $255,000 n/a 0.2%
NEW DAY FINANCIAL, LLC $385,000 $255,000 -33.8% 0.2%
The Federal Savings Bank $400,000 $255,000 -36.3% 0.2%
KeyBank $565,000 $250,000 -55.8% 0.2%
LIMA ONE CAPITAL, LLC $85,000 $245,000 188.2% 0.2%
EVERETT FINANCIAL, INC. $200,000 $235,000 17.5% 0.2%
LOANPAL, LLC $225,000 n/a 0.2%
YOUR HOME FINANCIAL LLC $155,000 $225,000 45.2% 0.2%
Northwest Bank $220,000 n/a 0.2%
Sierra Pacific Mortgage Company, Inc. $215,000 n/a 0.2%
AmeriHome Mortgage Company, LLC $360,000 $210,000 -41.7% 0.1%
First National Bank of Pennsylvania $155,000 $205,000 32.3% 0.1%
NORTHROP GRUMMAN Federal Credit Union $205,000 n/a 0.1%
1ST SIGNATURE LENDING, LLC $315,000 $195,000 -38.1% 0.1%
ALLIED MORTGAGE GROUP, INC. $195,000 n/a 0.1%
First Federal Savings and Loan Association $195,000 n/a 0.1%
The Citizens National Bank of Bluffton $185,000 n/a 0.1%
Fidelity Federal Savings and Loan Association $175,000 n/a 0.1%
GENEVA FINANCIAL, LLC $115,000 $175,000 52.2% 0.1%
Figure Lending LLC $245,000 $170,000 -30.6% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $165,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $225,000 $165,000 -26.7% 0.1%
Citibank $165,000 n/a 0.1%
FIRST COMMUNITY MORTGAGE, INC. $165,000 n/a 0.1%
Mercantile Bank of Michigan $165,000 n/a 0.1%
Prosperity Home Mortgage, LLC $165,000 n/a 0.1%
Hometown Equity Mortgage, LLC $145,000 $155,000 6.9% 0.1%
LIBERTY HOME MORTGAGE CORPORATION $535,000 $155,000 -71.0% 0.1%
Community Star Credit Union $145,000 n/a 0.1%
First Federal Savings and Loan Association of Lorain $145,000 n/a 0.1%
The Loan Store, Inc. $145,000 n/a 0.1%
EQUITY RESOURCES, INC. $1,390,000 $135,000 -90.3% 0.1%
M&T Bank $135,000 n/a 0.1%
AMCAP MORTGAGE, LTD. $125,000 n/a 0.1%
LAKEVIEW LOAN SERVICING, LLC $365,000 $125,000 -65.8% 0.1%
PHH Mortgage Corporation $145,000 $125,000 -13.8% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $2,240,000 $125,000 -94.4% 0.1%
VILLAGE CAPITAL MORTGAGE $85,000 $125,000 47.1% 0.1%
Dollar Bank, Federal Savings Bank $725,000 $120,000 -83.4% 0.1%
C E S $170,000 $115,000 -32.4% 0.1%
MidFirst Bank $115,000 n/a 0.1%
The Middlefield Banking Company $15,000 $115,000 666.7% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $95,000 $110,000 15.8% 0.1%
EUSTIS AND AMERICAN MORTGAGE COMPANY $210,000 $105,000 -50.0% 0.1%
First National Bank of Bellevue $105,000 n/a 0.1%
First Savings Bank $105,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $95,000 $105,000 10.5% 0.1%
Leader Bank $95,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $240,000 $95,000 -60.4% 0.1%
Wells Fargo Bank $985,000 $85,000 -91.4% 0.1%
Bank of America $105,000 $75,000 -28.6% 0.1%
Plains Commerce Bank $75,000 n/a 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $75,000 n/a 0.1%
American Midwest Mortgage Corporation $240,000 $65,000 -72.9% 0.0%
Unity Catholic FCU $65,000 n/a 0.0%
21ST MORTGAGE CORPORATION $175,000 $55,000 -68.6% 0.0%
Coastal Community Bank $55,000 n/a 0.0%
NBKC BANK $55,000 n/a 0.0%
SPRING EQ, LLC $145,000 $55,000 -62.1% 0.0%
Gateway First Bank $205,000 $45,000 -78.0% 0.0%
TRIAD FINANCIAL SERVICES, INC. $25,000 n/a 0.0%

Ashland's top lender by overall market share is The Huntington National Bank, with 10.6% market share. In second place, with 8.9%, is Mechanics Bank, having originated $12,720,000 in loans. In third place, with 8.4%, is The Park National Bank, having originated $11,970,000 in loans. In fourth place, with 8.0%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $11,395,000 in loans. In fifth place, with 6.6%, is ORIX REAL ESTATE CAPITAL, LLC, having originated $9,465,000 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 $160,625 (2.1%) $260,629 (4.3%) 0.00 106
2019-08-01 $165,973 (8.0%) $257,652 (1.2%) 0.00 108
2019-09-01 $173,807 (12.2%) $258,798 (4.6%) 0.00 112
2019-10-01 $179,900 (16.9%) $259,563 (7.4%) 0.00 113
2019-11-01 $160,000 (12.3%) $261,778 (7.3%) 0.00 91
2019-12-01 $149,925 (16.2%) $278,201 (23.5%) 0.00 78
2020-01-01 $146,000 (18.0%) $265,500 (30.9%) 0.00 73
2020-02-01 $150,450 (35.0%) $220,571 (-4.6%) 0.00 78
2020-03-01 $149,925 (15.0%) $234,572 (-9.3%) 0.00 74
2020-04-01 $166,950 (6.9%) $229,977 (-15.8%) 0.00 64
2020-05-01 $165,000 (-5.7%) $263,155 (-1.1%) 0.00 56
2020-06-01 $162,075 (-5.8%) $268,275 (0.0%) 0.00 51
2020-07-01 $192,900 (20.1%) $279,548 (7.3%) 0.00 55
2020-08-01 $186,950 (12.6%) $261,653 (1.6%) 0.00 58
2020-09-01 $182,825 (5.2%) $256,666 (-0.8%) 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 (-11.3%) 0.00 68
2020-12-01 $158,950 (6.0%) $226,279 (-18.7%) 0.00 63
2021-01-01 $168,900 (15.7%) $219,132 (-17.5%) 0.00 51
2021-02-01 $172,950 (15.0%) $240,904 (9.2%) 0.00 49
2021-03-01 $169,475 (13.0%) $245,421 (4.6%) 0.00 43
2021-04-01 $173,450 (3.9%) $281,249 (22.3%) 0.00 42
2021-05-01 $179,900 (9.0%) $279,040 (6.0%) 0.00 47
2021-06-01 $196,475 (21.2%) $294,912 (9.9%) 0.00 37
2021-07-01 $180,000 (-6.7%) $248,241 (-11.2%) 0.00 44
2021-08-01 $229,900 (23.0%) $260,829 (-0.3%) 0.00 83
2021-09-01 $229,900 (25.8%) $252,751 (-1.5%) 0.00 95
2021-10-01 $229,900 (27.7%) $250,204 (0.3%) 0.00 88
2021-11-01 $229,900 (29.9%) $251,294 (8.3%) 0.00 62
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 (36.9%) $246,150 (-12.5%) 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 (-15.2%) $261,695 (4.6%) 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%) $389,987 (10.3%) 0.00 44
2024-06-01 $284,450 (10.1%) $354,322 (12.0%) 0.00 48
2024-07-01 $264,925 (-17.2%) $333,547 (-17.1%) 0.00 50
2024-08-01 $249,000 (-16.4%) $305,380 (-21.2%) 0.00 63
2024-09-01 $274,925 (-4.9%) $319,859 (-7.8%) 0.00 67
Ashland's median listing price for 2024-09-01 was $274,925, a difference of $-14,075 (-4.9%) versus the prior year and $25,925 versus the prior month.

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

Ashland's average listing price for 2024-09-01 was $319,859, a difference of $-27,182 (-7.8%) versus the prior year and $14,479 versus the prior month.

For the 2024-09-01 period, Ashland had 67 MLS listings, a difference of 4 listings (6%) versus the prior month and 13 listings (24%) 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 1,672 sqft
2018-08-01 0 days 1,685 sqft
2018-09-01 0 days 1,694 sqft
2018-10-01 0 days 1,660 sqft
2018-11-01 0 days 1,706 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 1,610 sqft
2019-08-01 0 days 1,635 sqft
2019-09-01 0 days 1,705 sqft
2019-10-01 0 days 1,760 sqft
2019-11-01 0 days 1,628 sqft
2019-12-01 0 days 1,605 sqft
2020-01-01 0 days 1,584 sqft
2020-02-01 0 days 1,522 sqft
2020-03-01 0 days 1,485 sqft
2020-04-01 0 days 1,585 sqft
2020-05-01 0 days 1,734 sqft
2020-06-01 0 days 1,598 sqft
2020-07-01 0 days 1,728 sqft
2020-08-01 0 days 1,768 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 1,688 sqft
2021-05-01 0 days 1,512 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 1,573 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 1,835 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 1,685 sqft
Ashland's median listing age (time on market) for 2024-09-01 was 0 days.

Ashland's median square footage for active listings during the 2024-09-01 period was 1,685 sqft. One year prior, the average listing was 1,671 sqft.

Ashland, OH Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 483 $88,535,000 $183,302
Home Improvement 135 $9,965,000 $73,815
Cash Out Refi 126 $18,260,000 $144,921
Refi 93 $18,765,000 $201,774
Other 87 $7,035,000 $80,862

Ashland's most frequently cited loan purpose was Home Purchase, with 483 originations. The 2nd most popular reason was Home Improvement, with 135 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
7-8% 273 $41,495,000 $151,996
6-7% 272 $46,910,000 $172,463
Over 8% 219 $17,285,000 $78,927
5-6% 116 $20,390,000 $175,776
4-5% 8 $1,550,000 $193,750
<2.5% 2 $9,470,000 $4,735,000
3-4% 2 $270,000 $135,000

During 2023, Ashland's most frequently originated rate bucket was 7-8%, with 273 originations.

Loan Sizing (Ashland, OH MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 392 $56,570,000 $144,311
$100,000 or less 329 $18,845,000 $57,280
$200k-400k 188 $50,580,000 $269,043
$400k-600k 12 $5,720,000 $476,667
$600k-1000k 2 $1,380,000 $690,000
$Over $1MM 1 $9,465,000 $9,465,000

Ashland's loan sizing saw the bucket of loans from $100k-200k with 392 originations, totaling $56,570,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 363 $67,465,000 $185,854
60-80% 163 $28,105,000 $172,423
20-40% 160 $13,650,000 $85,313
Under 20% 107 $3,965,000 $37,056
40-60% 91 $12,955,000 $142,363
Over 100% 5 $10,435,000 $2,087,000

Ashland's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 363 originations, totaling $67,465,000 in origination value.