Ashtabula Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Ashtabula averaged
6.68%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.78% and
one month ago for the week of 2025-05-29, the
average rate was 7.3%.
Ashtabula's average rate one year ago was 7.17%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.97%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Ashtabula 30 Year Fixed Rate | 2025-07-03 | 6.68% |
| Ashtabula 30 Year Fixed Rate Refi | 2025-07-03 | 6.97% |
| Ashtabula 15 Year Fixed Rate | 2025-07-03 | 5.8% |
| Ashtabula 15 Year Fixed Rate Refi | 2025-07-03 | 6.4% |
| Ashtabula 30 Year FHA | 2025-07-03 | 0.46% |
| Ashtabula 30 Year FHA Refi | 2025-07-03 | 0.1% |
| Ashtabula 30 Year USDA | 2025-07-03 | -0.1% |
| Ashtabula 30 Year USDA Refi | 2025-07-03 | 0% |
| Ashtabula 30 Year VA | 2025-07-03 | 0.51% |
| Ashtabula 30 Year VA Refi | 2025-07-03 | 0% |
Ashtabula 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 Ashtabula, 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.).
Ashtabula Average Closing Costs & Other Stats
Ashtabula, OH's 85 lenders originated 1,744
loans during 2024. The total origination value was $251,100,000, with an average loan value of
$143,979.
Ashtabula's average closing costs are $5,153.
The top Ashtabula lender as defined by loan originations is The Huntington National Bank, with
69 loans originated. Their average total fees are
$4,719, which is $1,204
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Ashtabula lenders (with over 10 loans originated) are
U.S. Bank ($3,674), First National Bank of Pennsylvania ($4,158), KeyBank ($4,584), The Huntington National Bank ($4,719) and UNITED WHOLESALE MORTGAGE, LLC ($5,213).
The lowest rate Ashtabula lenders (with over 10 loans originated) are
KeyBank (6.70%), The Huntington National Bank (6.83%), QUICKEN LOANS, LLC (6.85%), First National Bank of Pennsylvania (6.86%) and U.S. Bank (6.94%).
Ashtabula, 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 | $32,715,000 | $41,020,000 | 25.4% | 16.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $19,825,000 | $22,815,000 | 15.1% | 9.1% |
| QUICKEN LOANS, LLC | $12,025,000 | $18,925,000 | 57.4% | 7.5% |
| The Middlefield Banking Company | $12,470,000 | $15,870,000 | 27.3% | 6.3% |
| Mortgage Research Center, LLC | $6,535,000 | $9,610,000 | 47.1% | 3.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $5,195,000 | $9,150,000 | 76.1% | 3.6% |
| The Andover Bank | $13,990,000 | $8,295,000 | -40.7% | 3.3% |
| Ixonia Bank | $5,650,000 | $8,170,000 | 44.6% | 3.3% |
| UNION HOME MORTGAGE CORP. | $7,585,000 | $8,040,000 | 6.0% | 3.2% |
| Farm Credit Mid-America, ACA | $3,840,000 | $6,320,000 | 64.6% | 2.5% |
| First National Bank of Pennsylvania | $2,160,000 | $3,715,000 | 72.0% | 1.5% |
| U.S. Bank | $4,985,000 | $3,690,000 | -26.0% | 1.5% |
| KeyBank | $1,790,000 | $3,490,000 | 95.0% | 1.4% |
| LIBERTY HOME MORTGAGE CORPORATION | $3,625,000 | $2,985,000 | -17.7% | 1.2% |
| RUOFF MORTGAGE COMPANY, INC. | $2,870,000 | $2,850,000 | -0.7% | 1.1% |
| S1L, Inc. | $2,705,000 | n/a | 1.1% | |
| FREEDOM MORTGAGE CORPORATION | $1,170,000 | $2,680,000 | 129.1% | 1.1% |
| JPMorgan Chase Bank | $2,040,000 | $2,390,000 | 17.2% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $880,000 | $2,255,000 | 156.3% | 0.9% |
| Citizens Bank | $970,000 | $2,245,000 | 131.4% | 0.9% |
| PNC Bank | $1,370,000 | $2,155,000 | 57.3% | 0.9% |
| US MORTGAGE CORPORATION | $415,000 | $2,130,000 | 413.3% | 0.8% |
| The Farmers National Bank of Canfield | $375,000 | $2,120,000 | 465.3% | 0.8% |
| LOANDEPOT.COM, LLC | $1,800,000 | $2,090,000 | 16.1% | 0.8% |
| CNB Bank | $1,180,000 | $1,995,000 | 69.1% | 0.8% |
| Fifth Third Bank | $1,795,000 | $1,995,000 | 11.1% | 0.8% |
| First Federal Bank of the Midwest | $1,995,000 | $1,920,000 | -3.8% | 0.8% |
| First Commonwealth Bank | $2,555,000 | $1,870,000 | -26.8% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $1,400,000 | $1,855,000 | 32.5% | 0.7% |
| BROKER SOLUTIONS, INC. | $1,670,000 | $1,815,000 | 8.7% | 0.7% |
| Third Federal Savings and Loan Association of Cleveland | $4,010,000 | $1,655,000 | -58.7% | 0.7% |
| MYCUMORTGAGE, LLC | $605,000 | $1,560,000 | 157.9% | 0.6% |
| MMS MORTGAGE SERVICES, LTD. | $1,425,000 | $1,520,000 | 6.7% | 0.6% |
| VILLAGE CAPITAL MORTGAGE | $560,000 | $1,500,000 | 167.9% | 0.6% |
| First Federal Savings and Loan Association of Lakewood | $700,000 | $1,475,000 | 110.7% | 0.6% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $2,345,000 | $1,450,000 | -38.2% | 0.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $320,000 | $1,430,000 | 346.9% | 0.6% |
| NEWREZ LLC | $95,000 | $1,410,000 | 1,384.2% | 0.6% |
| Northwest Bank | $2,935,000 | $1,250,000 | -57.4% | 0.5% |
| Equity Prime Mortgage LLC | $1,245,000 | n/a | 0.5% | |
| Mr. Cooper ( Nationstar Mortgage ) | $1,025,000 | $1,230,000 | 20.0% | 0.5% |
| FIRST COMMUNITY MORTGAGE, INC. | $615,000 | $1,010,000 | 64.2% | 0.4% |
| USAA Federal Savings Bank | $710,000 | $1,010,000 | 42.3% | 0.4% |
| 21ST MORTGAGE CORPORATION | $235,000 | $965,000 | 310.6% | 0.4% |
| TOWNE MORTGAGE COMPANY | $950,000 | n/a | 0.4% | |
| NFM, INC. | $885,000 | n/a | 0.4% | |
| Figure Lending LLC | $195,000 | $855,000 | 338.5% | 0.3% |
| Portage Community Bank | $290,000 | $855,000 | 194.8% | 0.3% |
| Providence Bank & Trust | $825,000 | n/a | 0.3% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,885,000 | $785,000 | -58.4% | 0.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,065,000 | $740,000 | -30.5% | 0.3% |
| POLARIS HOME FUNDING CORP. | $685,000 | $725,000 | 5.8% | 0.3% |
| ROYAL UNITED MORTGAGE LLC | $420,000 | $680,000 | 61.9% | 0.3% |
| ENDEAVOR CAPITAL, LLC. | $685,000 | $670,000 | -2.2% | 0.3% |
| Plains Commerce Bank | $840,000 | $640,000 | -23.8% | 0.3% |
| GUARANTEED RATE, INC. | $890,000 | $625,000 | -29.8% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $615,000 | n/a | 0.2% | |
| Flagstar Bank, FSB | $305,000 | $590,000 | 93.4% | 0.2% |
| Seven Seventeen Credit Union | $3,125,000 | $545,000 | -82.6% | 0.2% |
| Stifel Bank and Trust | $535,000 | n/a | 0.2% | |
| NEW DAY FINANCIAL, LLC | $1,220,000 | $520,000 | -57.4% | 0.2% |
| The Park National Bank | $520,000 | n/a | 0.2% | |
| RELIANCE FIRST CAPITAL, LLC | $140,000 | $515,000 | 267.9% | 0.2% |
| IncredibleBank | $495,000 | n/a | 0.2% | |
| FIRST OHIO HOME FINANCE, INC. | $840,000 | $475,000 | -43.5% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $445,000 | n/a | 0.2% | |
| Discover Bank | $475,000 | $445,000 | -6.3% | 0.2% |
| KINECTA | $440,000 | n/a | 0.2% | |
| Northpointe Bank | $440,000 | n/a | 0.2% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $135,000 | $435,000 | 222.2% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $435,000 | n/a | 0.2% | |
| Wells Fargo Bank | $620,000 | $410,000 | -33.9% | 0.2% |
| S&T Bank | $315,000 | $385,000 | 22.2% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $155,000 | $385,000 | 148.4% | 0.2% |
| ZILLOW HOME LOANS, LLC | $385,000 | $385,000 | 0.0% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $680,000 | $375,000 | -44.9% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $170,000 | $375,000 | 120.6% | 0.1% |
| Carrington Mortgage Services, LLC | $640,000 | $370,000 | -42.2% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $370,000 | n/a | 0.1% | |
| GENEVA FINANCIAL, LLC | $365,000 | n/a | 0.1% | |
| HomePromise Corporation | $345,000 | n/a | 0.1% | |
| ALLIANT CREDIT UNION | $55,000 | $335,000 | 509.1% | 0.1% |
| Marquette Savings Bank | $335,000 | n/a | 0.1% | |
| YOUR HOME FINANCIAL LLC | $335,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $330,000 | n/a | 0.1% | |
| Century Mortgage Company DBA Century Lending Company | $325,000 | n/a | 0.1% | |
| GUARANTEED RATE AFFINITY, LLC | $135,000 | $325,000 | 140.7% | 0.1% |
| Cf Bank | $315,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $155,000 | $315,000 | 103.2% | 0.1% |
| Coastal Community Bank | $150,000 | $300,000 | 100.0% | 0.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $180,000 | $300,000 | 66.7% | 0.1% |
| Lakeview Community Capital, LLC | $295,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $1,405,000 | $290,000 | -79.4% | 0.1% |
| First National Bank of America | $285,000 | n/a | 0.1% | |
| V.I.P. MORTGAGE, INC. | $285,000 | n/a | 0.1% | |
| Alcova Mortgage LLC | $280,000 | n/a | 0.1% | |
| Bank of America | $225,000 | $275,000 | 22.2% | 0.1% |
| M&T Bank | $255,000 | n/a | 0.1% | |
| The State Bank and Trust Company | $330,000 | $255,000 | -22.7% | 0.1% |
| ALLIED MORTGAGE GROUP, INC. | $245,000 | n/a | 0.1% | |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $225,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $365,000 | $225,000 | -38.4% | 0.1% |
| BAYSHORE MORTGAGE FUNDING, LLC | $225,000 | n/a | 0.1% | |
| NEXERA HOLDING LLC | $220,000 | n/a | 0.1% | |
| Greenville Savings Bank | $365,000 | $215,000 | -41.1% | 0.1% |
| SIRVA MORTGAGE, INC. | $215,000 | n/a | 0.1% | |
| Dollar Bank, Federal Savings Bank | $85,000 | $210,000 | 147.1% | 0.1% |
| VAN DYK MORTGAGE CORPORATION | $280,000 | $205,000 | -26.8% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $145,000 | $200,000 | 37.9% | 0.1% |
| Ally Bank | $195,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $185,000 | n/a | 0.1% | |
| MEMBER FIRST MORTGAGE, LLC | $515,000 | $180,000 | -65.0% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $155,000 | $170,000 | 9.7% | 0.1% |
| MORTGAGE CENTER L.C | $165,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $165,000 | n/a | 0.1% | |
| Civista Bank | $45,000 | $155,000 | 244.4% | 0.1% |
| ON Q FINANCIAL, INC. | $155,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $145,000 | n/a | 0.1% | |
| MILEND, INC. | $145,000 | n/a | 0.1% | |
| WRIGHT-PATT CREDIT UNION, INC. | $45,000 | $140,000 | 211.1% | 0.1% |
| Community Bank | $455,000 | $135,000 | -70.3% | 0.1% |
| The Central Trust Bank | $135,000 | n/a | 0.1% | |
| AMWEST FUNDING CORP. | $125,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $125,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $390,000 | $115,000 | -70.5% | 0.0% |
| WesBanco | $115,000 | n/a | 0.0% | |
| Axos Bank | $105,000 | n/a | 0.0% | |
| CARDINAL CREDIT UNION, INC. | $160,000 | $105,000 | -34.4% | 0.0% |
| CARDINAL FINANCIAL | $105,000 | n/a | 0.0% | |
| EMM LOANS LLC | $105,000 | n/a | 0.0% | |
| LOANPAL, LLC | $105,000 | n/a | 0.0% | |
| Magnolia Bank | $115,000 | $105,000 | -8.7% | 0.0% |
| GENERAL ELECTRIC CREDIT UNION | $95,000 | n/a | 0.0% | |
| ERIE FEDERAL CREDIT UNION | $85,000 | n/a | 0.0% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $185,000 | $75,000 | -59.5% | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | $105,000 | $75,000 | -28.6% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $235,000 | $75,000 | -68.1% | 0.0% |
| Nations Lending Corporation | $670,000 | $75,000 | -88.8% | 0.0% |
| Paramount Bank | $75,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $75,000 | n/a | 0.0% | |
| The Commercial and Savings Bank of Millersburg Ohio | $75,000 | n/a | 0.0% | |
| Connexus Credit Union | $65,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $65,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $65,000 | n/a | 0.0% | |
| Transportation Federal Credit Union | $55,000 | n/a | 0.0% | |
| UNITED | $45,000 | n/a | 0.0% | |
| BayCoast Bank | $35,000 | n/a | 0.0% | |
| NASA Federal Credit Union | $35,000 | n/a | 0.0% | |
| The Loan Store, Inc. | $240,000 | $35,000 | -85.4% | 0.0% |
| Truist | $200,000 | $35,000 | -82.5% | 0.0% |
| BMI Federal Credit Union | $25,000 | n/a | 0.0% |
Ashtabula's top lender by overall market share is The Huntington National Bank, with 16.3% market share. In second place, with 9.1%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $22,815,000 in loans. In third place, with 7.5%, is QUICKEN LOANS, LLC, having originated $18,925,000 in loans. In fourth place, with 6.3%, is The Middlefield Banking Company, having originated $15,870,000 in loans. In fifth place, with 3.8%, is Mortgage Research Center, LLC, having originated $9,610,000 in loans.
Ashtabula, OH Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 848 | $156,140,000 | $184,127 |
| Cash Out Refi | 255 | $32,975,000 | $129,314 |
| Home Improvement | 231 | $16,825,000 | $72,835 |
| Other | 206 | $15,620,000 | $75,825 |
| Refi | 204 | $29,540,000 | $144,804 |
Ashtabula's most frequently cited loan purpose was Home Purchase, with 848 originations. The 2nd most popular reason was Cash Out Refi, with 255 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 579 | $102,265,000 | $176,623 |
| Over 8% | 470 | $40,550,000 | $86,277 |
| 7-8% | 384 | $61,230,000 | $159,453 |
| 5-6% | 132 | $24,880,000 | $188,485 |
| 4-5% | 12 | $2,260,000 | $188,333 |
| <2.5% | 3 | $145,000 | $48,333 |
| 3-4% | 2 | $470,000 | $235,000 |
During 2024, Ashtabula's most frequently originated rate bucket was 6-7%, with 579 originations.
Loan Sizing (Ashtabula, OH MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 682 | $40,570,000 | $59,487 |
| $100k-200k | 672 | $96,710,000 | $143,914 |
| $200k-400k | 347 | $90,855,000 | $261,830 |
| $400k-600k | 34 | $16,130,000 | $474,412 |
| $600k-1000k | 8 | $5,780,000 | $722,500 |
| $Over $1MM | 1 | $1,055,000 | $1,055,000 |
Ashtabula's loan sizing saw the bucket of loans from $100,000 or less with 682 originations, totaling $40,570,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 653 | $120,925,000 | $185,184 |
| 60-80% | 295 | $52,575,000 | $178,220 |
| 20-40% | 266 | $19,370,000 | $72,820 |
| 40-60% | 206 | $26,330,000 | $127,816 |
| Under 20% | 138 | $5,830,000 | $42,246 |
| Over 100% | 8 | $3,110,000 | $388,750 |
Ashtabula's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 653 originations, totaling $120,925,000 in origination value.