Ashland Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Ashland averaged 6.84% for the week of 2024-11-07, compared to the national average of 6.79% for the same period.

    The average rate for the prior week (2024-10-31) was 6.67% and one month ago for the week of 2024-10-03, the average rate was 5.97%.

    Ashland's average rate one year ago was 8.01%.

    For refis of the same type during the week of 2024-11-07, the average rate was 7.19%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-07 6.79%
    Ashland 30 Year Fixed Rate 2024-11-07 6.84%
    Ashland 30 Year Fixed Rate Refi 2024-11-07 7.19%
    Ashland 15 Year Fixed Rate 2024-11-07 6.1%
    Ashland 15 Year Fixed Rate Refi 2024-11-07 6.5%
    Ashland 30 Year FHA 2024-11-07 6.85%
    Ashland 30 Year FHA Refi 2024-11-07 6.43%
    Ashland 30 Year USDA 2024-11-07 6.58%
    Ashland 30 Year USDA Refi 2024-11-07 6.28%
    Ashland 30 Year VA 2024-11-07 6.34%
    Ashland 30 Year VA Refi 2024-11-07 6.54%
    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
    2024-10-01 $249,675 (-6.7%) $299,715 (-5.6%) 0.00 67
    Ashland's median listing price for 2024-10-01 was $249,675, a difference of $-17,825 (-6.7%) versus the prior year and $-25,250 versus the prior month.

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

    Ashland's average listing price for 2024-10-01 was $299,715, a difference of $-17,793 (-5.6%) versus the prior year and $-20,144 versus the prior month.

    For the 2024-10-01 period, Ashland had 67 MLS listings, a difference of 0 listings (0%) versus the prior month and 12 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 1,672 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
    2024-10-01 0 days 1,649 sqft
    Ashland's median listing age (time on market) for 2024-10-01 was 0 days.

    Ashland's median square footage for active listings during the 2024-10-01 period was 1,649 sqft. One year prior, the average listing was 1,708 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.