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 7.14% for the week of 2024-02-29, compared to the national average of 6.94% for the same period.

The average rate for the prior week (2024-02-22) was 6.9% and one month ago for the week of 2024-01-25, the average rate was 6.89%.

Ashland's average rate one year ago was 6.73%.

For refis of the same type during the week of 2024-02-29, the average rate was 6.84%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-02-29 6.94%
Ashland 30 Year Fixed Rate 2024-02-29 7.14%
Ashland 30 Year Fixed Rate Refi 2024-02-29 6.84%
Ashland 15 Year Fixed Rate 2024-02-29 6.16%
Ashland 15 Year Fixed Rate Refi 2024-02-29 6.26%
Ashland 30 Year FHA 2024-02-29 6.37%
Ashland 30 Year FHA Refi 2024-02-29 6.89%
Ashland 30 Year USDA 2024-02-29 6.73%
Ashland 30 Year USDA Refi 2024-02-29 6.53%
Ashland 30 Year VA 2024-02-29 6.72%
Ashland 30 Year VA Refi 2024-02-29 6.32%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
Mechanics Bank 54 4.55% $2,296
The Park National Bank 50 5.31% $3,644
CROSSCOUNTRY MORTGAGE, LLC 46 5.61% $5,825
UNION HOME MORTGAGE CORP. 28 5.46% $4,416
The Huntington National Bank 28 4.93% $3,864
QUICKEN LOANS, LLC 25 5.19% $5,468
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 17 5.38% $3,677
Third Federal Savings and Loan Association of Cleveland 15 4.35% $1,874
JPMorgan Chase Bank 13 5.36% $2,746
THE EQUITABLE MORTGAGE CORPORATION 11 4.98% $3,672
PNC Bank 10 5.16% $3,497
Fifth Third Bank 10 5.41% $3,567
First Federal Savings and Loan Association of Lakewood 7 4.21% $5,167
PRIMARY RESIDENTIAL MORTGAGE, INC. 6 5.31% $6,198
WRIGHT-PATT CREDIT UNION, INC. 6 4.50% $2,262
LOANDEPOT.COM, LLC 6 5.48% $5,254
EQUITY RESOURCES, INC. 5 5.40% $7,433
Directions Credit Union, Inc. 5 5.90% $1,924
The Farmers National Bank of Canfield 5 4.45% $4,105
Farm Credit Mid-America, ACA 4 4.13% $7,540
FIRST OHIO HOME FINANCE, INC. 4 6.97% $1,819
RUOFF MORTGAGE COMPANY, INC. 4 5.28% $4,042
The Commercial and Savings Bank of Millersburg Ohio 3 6.08% $2,939
HOWARD HANNA FINANCIAL SERVICES, INC. 3 4.96% $3,550
Wells Fargo Bank 3 4.63% $2,831
Mr. Cooper ( Nationstar Mortgage ) 3 5.29% $5,290
First Federal Bank of the Midwest 3 4.75% $3,624
Flagstar Bank, FSB 3 4.91% $4,636
GUARANTEED RATE, INC. 3 5.51% $4,361
Nations Lending Corporation 3 6.08% $6,933
EVERETT FINANCIAL, INC. 2 4.63% $2,583
AmeriHome Mortgage Company, LLC 2 6.06% $4,832
HOMESIDE FINANCIAL, LLC 2 4.81% $4,947
Mortgage Research Center, LLC 2 5.69% $4,284
The Farmers & Merchants State Bank 2 5.40% $4,094
FREEDOM MORTGAGE CORPORATION 2 5.19% $3,016
BROKER SOLUTIONS, INC. 2 6.00% $5,650
UNITED WHOLESALE MORTGAGE, LLC 2 5.47% $3,501
AMERISAVE MORTGAGE CORPORATION 2 4.88% $9,663
U.S. Bank 2 5.75% $3,366
UNITED 1 5.25% $4,376
USAA Federal Savings Bank 1 5.13% $3,388
WEST PENN FINANCIAL SERVICE CENTER, INC. 1 6.38% $4,579
American Midwest Mortgage Corporation 1 6.88% $4,687
ZILLOW HOME LOANS, LLC 1 3.75% $3,412
Ameris Bank 1 5.13% $6,364
ANGEL OAK HOME LOANS LLC 1 5.13% $3,344
BETTER MORTGAGE CORPORATION 1 3.88% $1,468
BNC National Bank 1 4.75% $7,376
BRIDGE 1 4.38% $3,812
C E S 1 7.38% $2,173
Chicago Mortgage Solutions LLC 1 3.87% $2,348
CHURCHILL MORTGAGE CORPORATION 1 5.88% $4,062
Citizens Bank 1 4.13% $3,348
Dollar Bank, Federal Savings Bank 1 5.25% $2,884
First Commonwealth Bank 1 4.88% $4,267
First Federal Bank 1 6.63% $8,893
First Financial Bank 1 6.50% $3,270
First Guaranty Mortgage Corporation 1 4.88% $7,977
GENEVA FINANCIAL, LLC 1 5.75% $6,653
Heartland Bank 1 4.38% $2,837
KELLER MORTGAGE, LLC 1 5.00% $5,575
KEMBA FINANCIAL 1 6.88% $2,033
KeyBank 1 4.88% $12,072
LAKEVIEW LOAN SERVICING, LLC 1 6.13% $4,580
LAND HOME FINANCIAL SERVICES, INC. 1 7.50% $3,915
LIBERTY HOME MORTGAGE CORPORATION 1 4.13% $5,885
MUTUAL OF OMAHA MORTGAGE, INC. 1 5.75% $6,653
MYCUMORTGAGE, LLC 1 4.75% $4,211
NATIONWIDE MORTGAGE BANKERS, INC. 1 4.13% $4,301
NAVY FEDERAL CREDIT UNION 1 5.00% $2,384
NEWREZ LLC 1 3.38% $3,374
Northpointe Bank 1 5.38% $6,925
Paramount Residential Mortgage Group, Inc. 1 4.13% $6,228
RAPID MORTGAGE COMPANY 1 5.38% $3,530
Rock Canyon Bank 1 4.13% $2,837
ROYAL UNITED MORTGAGE LLC 1 3.88% $7,948
SECURITYNATIONAL MORTGAGE COMPANY 1 6.13% $6,039
Simmons Bank 1 5.13% $3,199
The Croghan Colonial Bank 1 5.13% $3,082
The Federal Savings Bank 1 4.50% $8,966
The State Bank and Trust Company 1 5.63% $3,023
Towne Bank 1 7.13% $2,792
Union Savings Bank 1 4.88% $1,700

Ashland Average Closing Costs & Other Stats

Ashland, OH's 84 lenders originated 1,341 loans during 2022. The total origination value was $202,015,000, with an average loan value of $150,645.

Ashland's average closing costs are $4,171.

The top Ashland lender as defined by loan originations is Mechanics Bank, with 54 loans originated. Their average total fees are $2,296, which is $1,348 lower than the next largest lender, The Park National Bank.

The lowest fee Ashland lenders (with over 10 loans originated) are Third Federal Savings and Loan Association of Cleveland ($1,874), Mechanics Bank ($2,296), JPMorgan Chase Bank ($2,746), PNC Bank ($3,497) and Fifth Third Bank ($3,567).

The lowest rate Ashland lenders (with over 10 loans originated) are Third Federal Savings and Loan Association of Cleveland (4.35%), Mechanics Bank (4.55%), The Huntington National Bank (4.93%), THE EQUITABLE MORTGAGE CORPORATION (4.98%) and PNC Bank (5.16%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
Mechanics Bank $19,080,000 $23,220,000 21.7% 11.5%
The Huntington National Bank $34,115,000 $22,405,000 -34.3% 11.1%
CROSSCOUNTRY MORTGAGE, LLC $18,275,000 $16,280,000 -10.9% 8.1%
The Park National Bank $19,840,000 $15,490,000 -21.9% 7.7%
QUICKEN LOANS, LLC $23,300,000 $11,065,000 -52.5% 5.5%
PNC Bank $9,375,000 $9,155,000 -2.3% 4.5%
Wayne Savings Community Bank $3,960,000 $8,420,000 112.6% 4.2%
UNION HOME MORTGAGE CORP. $10,300,000 $7,650,000 -25.7% 3.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $9,490,000 $4,590,000 -51.6% 2.3%
Third Federal Savings and Loan Association of Cleveland $1,995,000 $4,390,000 120.1% 2.2%
First Federal Bank of the Midwest $3,570,000 $4,125,000 15.5% 2.0%
Directions Credit Union, Inc. $3,120,000 $4,040,000 29.5% 2.0%
Mortgage Research Center, LLC $4,120,000 $3,520,000 -14.6% 1.7%
LOANDEPOT.COM, LLC $4,400,000 $3,160,000 -28.2% 1.6%
JPMorgan Chase Bank $5,700,000 $2,860,000 -49.8% 1.4%
THE EQUITABLE MORTGAGE CORPORATION $4,350,000 $2,795,000 -35.7% 1.4%
Farm Credit Mid-America, ACA $3,840,000 $2,495,000 -35.0% 1.2%
Fifth Third Bank $2,655,000 $2,360,000 -11.1% 1.2%
The Apple Creek Banking Company $805,000 $2,330,000 189.4% 1.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,535,000 $2,240,000 45.9% 1.1%
U.S. Bank $2,285,000 $2,110,000 -7.7% 1.0%
First Federal Savings and Loan Association of Lakewood $1,365,000 $1,990,000 45.8% 1.0%
RUOFF MORTGAGE COMPANY, INC. $955,000 $1,720,000 80.1% 0.9%
The Farmers National Bank of Canfield $1,630,000 $1,685,000 3.4% 0.8%
HOWARD HANNA FINANCIAL SERVICES, INC. $550,000 $1,645,000 199.1% 0.8%
EQUITY RESOURCES, INC. $1,175,000 $1,390,000 18.3% 0.7%
NAVY FEDERAL CREDIT UNION $1,490,000 $1,360,000 -8.7% 0.7%
WRIGHT-PATT CREDIT UNION, INC. $405,000 $1,350,000 233.3% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $3,645,000 $1,275,000 -65.0% 0.6%
Flagstar Bank, FSB $1,400,000 $1,155,000 -17.5% 0.6%
BROKER SOLUTIONS, INC. $105,000 $1,125,000 971.4% 0.6%
Citizens Bank $740,000 $1,055,000 42.6% 0.5%
GUARANTEED RATE, INC. $615,000 $1,020,000 65.9% 0.5%
Wells Fargo Bank $535,000 $985,000 84.1% 0.5%
UNITED WHOLESALE MORTGAGE, LLC $570,000 $950,000 66.7% 0.5%
USAA Federal Savings Bank $800,000 $945,000 18.1% 0.5%
AMERISAVE MORTGAGE CORPORATION $1,715,000 $825,000 -51.9% 0.4%
Dollar Bank, Federal Savings Bank $895,000 $725,000 -19.0% 0.4%
PENNYMAC LOAN SERVICES, LLC $2,455,000 $720,000 -70.7% 0.4%
CALIBER HOME LOANS, INC. $600,000 $675,000 12.5% 0.3%
The Commercial and Savings Bank of Millersburg Ohio $1,850,000 $640,000 -65.4% 0.3%
Heartland Bank $1,030,000 $585,000 -43.2% 0.3%
KeyBank $575,000 $565,000 -1.7% 0.3%
Sutton Bank $3,500,000 $545,000 -84.4% 0.3%
LIBERTY HOME MORTGAGE CORPORATION $955,000 $535,000 -44.0% 0.3%
First Commonwealth Bank $1,490,000 $500,000 -66.4% 0.2%
PLANET HOME LENDING, LLC $500,000 n/a 0.2%
FIRST OHIO HOME FINANCE, INC. $1,725,000 $445,000 -74.2% 0.2%
NEWREZ LLC $1,595,000 $445,000 -72.1% 0.2%
The Farmers & Merchants State Bank $440,000 n/a 0.2%
BNC National Bank $405,000 n/a 0.2%
First Federal Bank $620,000 $405,000 -34.7% 0.2%
HOMESIDE FINANCIAL, LLC $555,000 $405,000 -27.0% 0.2%
Nations Lending Corporation $745,000 $405,000 -45.6% 0.2%
Bank of England $400,000 n/a 0.2%
The Federal Savings Bank $400,000 n/a 0.2%
First Guaranty Mortgage Corporation $915,000 $390,000 -57.4% 0.2%
NEW DAY FINANCIAL, LLC $1,425,000 $385,000 -73.0% 0.2%
FREEDOM MORTGAGE CORPORATION $5,445,000 $370,000 -93.2% 0.2%
MYCUMORTGAGE, LLC $195,000 $370,000 89.7% 0.2%
LAKEVIEW LOAN SERVICING, LLC $720,000 $365,000 -49.3% 0.2%
UNITED $365,000 n/a 0.2%
AmeriHome Mortgage Company, LLC $300,000 $360,000 20.0% 0.2%
First Federal Community Bank of Bucyrus $350,000 n/a 0.2%
Union Savings Bank $1,095,000 $350,000 -68.0% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $175,000 $340,000 94.3% 0.2%
BRIDGE $340,000 n/a 0.2%
CHURCHILL MORTGAGE CORPORATION $360,000 $340,000 -5.6% 0.2%
Civista Bank $605,000 $340,000 -43.8% 0.2%
RELIANCE FIRST CAPITAL, LLC $370,000 $320,000 -13.5% 0.2%
Seven Seventeen Credit Union $320,000 n/a 0.2%
1ST SIGNATURE LENDING, LLC $315,000 n/a 0.2%
Northpointe Bank $235,000 $305,000 29.8% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $290,000 n/a 0.1%
RAPID MORTGAGE COMPANY $260,000 $290,000 11.5% 0.1%
INTERCAP LENDING INC. $285,000 n/a 0.1%
Magnolia Bank $285,000 n/a 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $255,000 n/a 0.1%
PRIORITY MORTGAGE CORP. $245,000 $255,000 4.1% 0.1%
Cf Bank $315,000 $245,000 -22.2% 0.1%
DELMAR FINANCIAL COMPANY $145,000 $245,000 69.0% 0.1%
Figure Lending LLC $35,000 $245,000 600.0% 0.1%
KEMBA FINANCIAL $255,000 $245,000 -3.9% 0.1%
Westfield Bank, FSB $275,000 $245,000 -10.9% 0.1%
American Midwest Mortgage Corporation $410,000 $240,000 -41.5% 0.1%
ROYAL UNITED MORTGAGE LLC $800,000 $240,000 -70.0% 0.1%
Barrington Bank & Trust Company, N.A. $180,000 $225,000 25.0% 0.1%
AMERICAN ADVISORS GROUP $100,000 $210,000 110.0% 0.1%
EUSTIS AND AMERICAN MORTGAGE COMPANY $215,000 $210,000 -2.3% 0.1%
Gateway First Bank $2,475,000 $205,000 -91.7% 0.1%
SOUTHWEST STAGE FUNDING, LLC $205,000 n/a 0.1%
WEST PENN FINANCIAL SERVICE CENTER, INC. $205,000 n/a 0.1%
EVERETT FINANCIAL, INC. $200,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $930,000 $195,000 -79.0% 0.1%
BETTER MORTGAGE CORPORATION $1,240,000 $185,000 -85.1% 0.1%
Deere Employees Credit Union $185,000 n/a 0.1%
TOP FLITE FINANCIAL, INC. $685,000 $180,000 -73.7% 0.1%
21ST MORTGAGE CORPORATION $175,000 n/a 0.1%
C E S $735,000 $170,000 -76.9% 0.1%
Chicago Mortgage Solutions LLC $165,000 n/a 0.1%
KELLER MORTGAGE, LLC $105,000 $165,000 57.1% 0.1%
Ameris Bank $450,000 $155,000 -65.6% 0.1%
First National Bank of Pennsylvania $175,000 $155,000 -11.4% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $310,000 $155,000 -50.0% 0.1%
The Croghan Colonial Bank $155,000 n/a 0.1%
YOUR HOME FINANCIAL LLC $1,075,000 $155,000 -85.6% 0.1%
LENDINGHOME FUNDING CORPORATION $150,000 n/a 0.1%
AG Credit, Agricultural Credit Association $145,000 n/a 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $145,000 n/a 0.1%
Hometown Equity Mortgage, LLC $145,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $300,000 $145,000 -51.7% 0.1%
PHH Mortgage Corporation $65,000 $145,000 123.1% 0.1%
SPRING EQ, LLC $145,000 n/a 0.1%
LEADERONE FINANCIAL CORPORATION $145,000 $135,000 -6.9% 0.1%
The State Bank and Trust Company $135,000 n/a 0.1%
Simmons Bank $125,000 n/a 0.1%
GENEVA FINANCIAL, LLC $115,000 n/a 0.1%
LAND HOME FINANCIAL SERVICES, INC. $115,000 n/a 0.1%
NATIONWIDE MORTGAGE BANKERS, INC. $65,000 $115,000 76.9% 0.1%
Towne Bank $115,000 n/a 0.1%
Bank of America $315,000 $105,000 -66.7% 0.1%
Carrington Mortgage Services, LLC $625,000 $105,000 -83.2% 0.1%
CENTURY $105,000 n/a 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $95,000 n/a 0.0%
ZILLOW HOME LOANS, LLC $95,000 n/a 0.0%
Equity Prime Mortgage LLC $85,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $85,000 n/a 0.0%
Rock Canyon Bank $85,000 n/a 0.0%
VILLAGE CAPITAL MORTGAGE $770,000 $85,000 -89.0% 0.0%
ANGEL OAK HOME LOANS LLC $75,000 n/a 0.0%
Peoples Bank $65,000 $65,000 0.0% 0.0%
BMI Federal Credit Union $125,000 $55,000 -56.0% 0.0%
First Financial Bank $75,000 $55,000 -26.7% 0.0%
Ohio Catholic Federal Credit Union $25,000 n/a 0.0%
The Middlefield Banking Company $15,000 n/a 0.0%

Ashland's top lender by overall market share is Mechanics Bank, with 11.5% market share. In second place, with 11.1%, is The Huntington National Bank, having originated $22,405,000 in loans. In third place, with 8.1%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $16,280,000 in loans. In fourth place, with 7.7%, is The Park National Bank, having originated $15,490,000 in loans. In fifth place, with 5.5%, is QUICKEN LOANS, LLC, having originated $11,065,000 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
Ashland's median listing price for 2024-01-01 was $284,500, a difference of $84,825 (42.5%) versus the prior year and $-15,400 versus the prior month.

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

Ashland's average listing price for 2024-01-01 was $345,764, a difference of $64,251 (22.8%) versus the prior year and $19,924 versus the prior month.

For the 2024-01-01 period, Ashland had 33 MLS listings, a difference of -15 listings (-31%) versus the prior month and -13 listings (-28%) 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 1,714 sqft
2018-10-01 0 days 1,661 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
Ashland's median listing age (time on market) for 2024-01-01 was 0 days.

Ashland's median square footage for active listings during the 2024-01-01 period was 1,780 sqft. One year prior, the average listing was 1,465 sqft.

Ashland, OH Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 647 $121,125,000 $187,210
Cash Out Refi 214 $31,240,000 $145,981
Refi 207 $28,775,000 $139,010
Home Improvement 176 $13,320,000 $75,682
Other 97 $7,555,000 $77,887

Ashland's most frequently cited loan purpose was Home Purchase, with 647 originations. The 2nd most popular reason was Cash Out Refi, with 214 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 330 $51,280,000 $155,394
4-5% 283 $45,355,000 $160,265
3-4% 256 $40,340,000 $157,578
6-7% 196 $26,380,000 $134,592
2.5-3% 89 $13,265,000 $149,045
7-8% 69 $6,725,000 $97,464
Over 8% 41 $2,055,000 $50,122
<2.5% 30 $4,910,000 $163,667

During 2022, Ashland's most frequently originated rate bucket was 5-6%, with 330 originations.

Loan Sizing (Ashland, OH MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 584 $83,710,000 $143,339
$100,000 or less 460 $28,170,000 $61,239
$200k-400k 259 $67,755,000 $261,602
$400k-600k 28 $13,340,000 $476,429
$600k-1000k 8 $6,190,000 $773,750
$Over $1MM 2 $2,850,000 $1,425,000

Ashland's loan sizing saw the bucket of loans from $100k-200k with 584 originations, totaling $83,710,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 488 $90,340,000 $185,123
60-80% 318 $53,480,000 $168,176
20-40% 200 $15,700,000 $78,500
40-60% 178 $24,600,000 $138,202
Under 20% 98 $3,640,000 $37,143
Over 100% 8 $1,980,000 $247,500

Ashland's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 488 originations, totaling $90,340,000 in origination value.