Ashtabula 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 Ashtabula averaged 7.09% for the week of 2024-04-18, compared to the national average of 7.1% for the same period.

    The average rate for the prior week (2024-04-11) was 7.27% and one month ago for the week of 2024-03-14, the average rate was 7.13%.

    Ashtabula's average rate one year ago was 6.66%.

    For refis of the same type during the week of 2024-04-18, the average rate was 7.7%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-04-18 7.1%
    Ashtabula 30 Year Fixed Rate 2024-04-18 7.09%
    Ashtabula 30 Year Fixed Rate Refi 2024-04-18 7.7%
    Ashtabula 15 Year Fixed Rate 2024-04-18 6.39%
    Ashtabula 15 Year Fixed Rate Refi 2024-04-18 6.39%
    Ashtabula 30 Year FHA 2024-04-18 7.02%
    Ashtabula 30 Year FHA Refi 2024-04-18 6.76%
    Ashtabula 30 Year USDA 2024-04-18 6.96%
    Ashtabula 30 Year USDA Refi 2024-04-18 6.86%
    Ashtabula 30 Year VA 2024-04-18 6.82%
    Ashtabula 30 Year VA Refi 2024-04-18 6.66%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Ashtabula, OH.

    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.).

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    The Huntington National Bank 61 6.81% $4,647
    CROSSCOUNTRY MORTGAGE, LLC 40 7.25% $6,093
    QUICKEN LOANS, LLC 37 6.87% $6,174
    UNION HOME MORTGAGE CORP. 27 7.11% $5,987
    The Middlefield Banking Company 24 6.20% $4,157
    U.S. Bank 21 7.06% $3,976
    Farm Credit Mid-America, ACA 18 7.36% $5,600
    Ixonia Bank 17 7.45% $5,076
    UNITED WHOLESALE MORTGAGE, LLC 13 7.05% $4,554
    RUOFF MORTGAGE COMPANY, INC. 10 6.89% $2,183
    Northwest Bank 9 6.40% $4,765
    Third Federal Savings and Loan Association of Cleveland 9 6.33% $2,067
    JPMorgan Chase Bank 9 7.10% $4,448
    LOANDEPOT.COM, LLC 8 6.92% $6,491
    HOWARD HANNA FINANCIAL SERVICES, INC. 8 6.83% $4,685
    KeyBank 7 7.01% $3,426
    First Federal Bank of the Midwest 6 7.48% $3,915
    LIBERTY HOME MORTGAGE CORPORATION 6 7.42% $7,431
    DRAPER AND KRAMER MORTGAGE CORP. 5 7.08% $5,277
    Fifth Third Bank 4 6.53% $5,345
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 7.00% $4,208
    MMS MORTGAGE SERVICES, LTD. 4 6.75% $4,088
    MEMBER FIRST MORTGAGE, LLC 4 6.56% $3,723
    American Midwest Mortgage Corporation 4 7.25% $6,459
    AMERICAN PACIFIC MORTGAGE CORPORATION 4 7.47% $6,342
    Seven Seventeen Credit Union 4 6.84% $4,585
    BROKER SOLUTIONS, INC. 4 7.34% $7,354
    ZILLOW HOME LOANS, LLC 3 7.42% $4,685
    AMERISAVE MORTGAGE CORPORATION 3 6.83% $10,174
    First National Bank of Pennsylvania 3 6.88% $3,922
    GUARANTEED RATE, INC. 3 6.78% $4,062
    Mortgage Research Center, LLC 3 6.08% $5,122
    Mr. Cooper ( Nationstar Mortgage ) 3 6.83% $6,092
    NATIONWIDE MORTGAGE BANKERS, INC. 3 7.16% $7,744
    Plains Commerce Bank 3 6.75% $4,271
    Wells Fargo Bank 3 7.08% $4,173
    MICHIGAN MUTUAL, INC. 2 7.50% $5,668
    First Federal Savings and Loan Association of Lakewood 2 7.61% $3,948
    MORTGAGE ACCESS CORP. 2 7.37% $7,074
    MOVEMENT MORTGAGE, LLC 2 6.84% $4,539
    MYCUMORTGAGE, LLC 2 8.56% $4,756
    Nations Lending Corporation 2 7.44% $5,358
    FIRST COMMUNITY MORTGAGE, INC. 2 7.06% $5,680
    First Commonwealth Bank 2 6.69% $4,217
    EQUITY RESOURCES, INC. 2 7.31% $5,644
    The Loan Store, Inc. 2 6.81% $5,469
    UNION CAPITAL MORTGAGE CORPORATION 2 7.19% $7,246
    Flagstar Bank, FSB 2 7.13% $4,739
    NAVY FEDERAL CREDIT UNION 1 7.13% $2,422
    NexBank 1 6.38% $4,892
    CARDINAL CREDIT UNION, INC. 1 6.98% $3,420
    PHH Mortgage Corporation 1 7.63% $3,936
    21ST MORTGAGE CORPORATION 1 6.70% $6,738
    PNC Bank 1 6.88% $4,066
    POLARIS HOME FUNDING CORP. 1 7.13% $3,373
    GUARANTEED RATE AFFINITY, LLC 1 6.55% $5,210
    Raymond James Bank 1 4.75% $5,462
    RELIANCE FIRST CAPITAL, LLC 1 7.75% $3,953
    ROYAL UNITED MORTGAGE LLC 1 7.13% $7,480
    Leader Bank 1 6.38% $3,624
    Service Federal Credit Union 1 5.63% $2,829
    CONSUMERS COOPERATIVE CREDIT UNION 1 7.88% $3,861
    The Federal Savings Bank 1 6.00% $6,884
    Community Bank 1 7.13% $9,691
    Florida Capital Bank 1 7.25% $2,286
    MORIA DEVELOPMENT, INC. 1 6.38% $5,476
    CNB Bank 1 6.25% $2,281
    Bank of America 1 7.25% $7,542
    Citizens Bank 1 7.75% $3,433
    AMERICAN FINANCING CORPORATION 1 5.88% $3,712
    MUTUAL OF OMAHA MORTGAGE, INC. 1 7.13% $6,619
    THRIVE MORTGAGE, LLC 1 7.38% $3,259
    NATIONS DIRECT MORTGAGE, LLC 1 7.38% $9,790
    FIRST HERITAGE FINANCIAL, LLC 1 7.10% $4,000
    VAN DYK MORTGAGE CORPORATION 1 6.88% $6,941

    Ashtabula Average Closing Costs & Other Stats

    Ashtabula, OH's 75 lenders originated 1,550 loans during 2023. The total origination value was $209,920,000, with an average loan value of $135,432.

    Ashtabula's average closing costs are $4,977.

    The top Ashtabula lender as defined by loan originations is The Huntington National Bank, with 61 loans originated. Their average total fees are $4,647, which is $1,446 lower than the next largest lender, CROSSCOUNTRY MORTGAGE, LLC.

    The lowest fee Ashtabula lenders (with over 10 loans originated) are RUOFF MORTGAGE COMPANY, INC. ($2,183), U.S. Bank ($3,976), The Middlefield Banking Company ($4,157), UNITED WHOLESALE MORTGAGE, LLC ($4,554) and The Huntington National Bank ($4,647).

    The lowest rate Ashtabula lenders (with over 10 loans originated) are The Middlefield Banking Company (6.20%), The Huntington National Bank (6.81%), QUICKEN LOANS, LLC (6.87%), RUOFF MORTGAGE COMPANY, INC. (6.89%) and UNITED WHOLESALE MORTGAGE, LLC (7.05%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    The Huntington National Bank $41,605,000 $32,715,000 -21.4% 15.6%
    CROSSCOUNTRY MORTGAGE, LLC $23,075,000 $19,825,000 -14.1% 9.4%
    The Andover Bank $16,425,000 $13,990,000 -14.8% 6.7%
    The Middlefield Banking Company $14,330,000 $12,470,000 -13.0% 5.9%
    QUICKEN LOANS, LLC $23,295,000 $12,025,000 -48.4% 5.7%
    UNION HOME MORTGAGE CORP. $9,495,000 $7,585,000 -20.1% 3.6%
    Mortgage Research Center, LLC $7,610,000 $6,535,000 -14.1% 3.1%
    Ixonia Bank $210,000 $5,650,000 2,590.5% 2.7%
    UNITED WHOLESALE MORTGAGE, LLC $5,560,000 $5,195,000 -6.6% 2.5%
    U.S. Bank $5,475,000 $4,985,000 -8.9% 2.4%
    Third Federal Savings and Loan Association of Cleveland $4,070,000 $4,010,000 -1.5% 1.9%
    Farm Credit Mid-America, ACA $4,720,000 $3,840,000 -18.6% 1.8%
    LIBERTY HOME MORTGAGE CORPORATION $5,025,000 $3,625,000 -27.9% 1.7%
    Seven Seventeen Credit Union $1,140,000 $3,125,000 174.1% 1.5%
    Northwest Bank $5,380,000 $2,935,000 -45.4% 1.4%
    RUOFF MORTGAGE COMPANY, INC. $3,850,000 $2,870,000 -25.5% 1.4%
    First Commonwealth Bank $2,520,000 $2,555,000 1.4% 1.2%
    HOWARD HANNA FINANCIAL SERVICES, INC. $2,755,000 $2,345,000 -14.9% 1.1%
    First National Bank of Pennsylvania $2,320,000 $2,160,000 -6.9% 1.0%
    JPMorgan Chase Bank $2,945,000 $2,040,000 -30.7% 1.0%
    First Federal Bank of the Midwest $4,405,000 $1,995,000 -54.7% 1.0%
    DRAPER AND KRAMER MORTGAGE CORP. $840,000 $1,955,000 132.7% 0.9%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,625,000 $1,885,000 -28.2% 0.9%
    LOANDEPOT.COM, LLC $2,690,000 $1,800,000 -33.1% 0.9%
    Fifth Third Bank $1,845,000 $1,795,000 -2.7% 0.9%
    KeyBank $6,045,000 $1,790,000 -70.4% 0.9%
    BROKER SOLUTIONS, INC. $685,000 $1,670,000 143.8% 0.8%
    MMS MORTGAGE SERVICES, LTD. $1,445,000 $1,425,000 -1.4% 0.7%
    AMERISAVE MORTGAGE CORPORATION $2,425,000 $1,405,000 -42.1% 0.7%
    NAVY FEDERAL CREDIT UNION $1,705,000 $1,400,000 -17.9% 0.7%
    PNC Bank $3,980,000 $1,370,000 -65.6% 0.7%
    American Midwest Mortgage Corporation $1,235,000 $1,220,000 -1.2% 0.6%
    NEW DAY FINANCIAL, LLC $460,000 $1,220,000 165.2% 0.6%
    CNB Bank $4,400,000 $1,180,000 -73.2% 0.6%
    FREEDOM MORTGAGE CORPORATION $2,105,000 $1,170,000 -44.4% 0.6%
    AMERICAN PACIFIC MORTGAGE CORPORATION $470,000 $1,065,000 126.6% 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $1,715,000 $1,025,000 -40.2% 0.5%
    Citizens Bank $1,660,000 $970,000 -41.6% 0.5%
    GUARANTEED RATE, INC. $2,020,000 $890,000 -55.9% 0.4%
    PENNYMAC LOAN SERVICES, LLC $2,640,000 $880,000 -66.7% 0.4%
    FIRST OHIO HOME FINANCE, INC. $305,000 $840,000 175.4% 0.4%
    Plains Commerce Bank $160,000 $840,000 425.0% 0.4%
    UNION CAPITAL MORTGAGE CORPORATION $55,000 $820,000 1,390.9% 0.4%
    Wayne Savings Community Bank $805,000 n/a 0.4%
    USAA Federal Savings Bank $1,310,000 $710,000 -45.8% 0.3%
    First Federal Savings and Loan Association of Lakewood $4,710,000 $700,000 -85.1% 0.3%
    ENDEAVOR CAPITAL, LLC. $685,000 n/a 0.3%
    POLARIS HOME FUNDING CORP. $310,000 $685,000 121.0% 0.3%
    MOVEMENT MORTGAGE, LLC $390,000 $680,000 74.4% 0.3%
    Nations Lending Corporation $1,105,000 $670,000 -39.4% 0.3%
    AMERICAN FINANCIAL RESOURCES, INC. $65,000 $645,000 892.3% 0.3%
    Carrington Mortgage Services, LLC $1,075,000 $640,000 -40.5% 0.3%
    Wells Fargo Bank $1,565,000 $620,000 -60.4% 0.3%
    FIRST COMMUNITY MORTGAGE, INC. $135,000 $615,000 355.6% 0.3%
    NATIONWIDE MORTGAGE BANKERS, INC. $910,000 $615,000 -32.4% 0.3%
    First Financial Bank $605,000 n/a 0.3%
    GSF Mortgage Corporation $245,000 $605,000 146.9% 0.3%
    MYCUMORTGAGE, LLC $1,800,000 $605,000 -66.4% 0.3%
    Princeton Mortgage Corporation $585,000 n/a 0.3%
    VILLAGE CAPITAL MORTGAGE $360,000 $560,000 55.6% 0.3%
    MEMBER FIRST MORTGAGE, LLC $515,000 n/a 0.2%
    Raymond James Bank $205,000 $505,000 146.3% 0.2%
    Discover Bank $200,000 $475,000 137.5% 0.2%
    Community Bank $455,000 n/a 0.2%
    ROYAL UNITED MORTGAGE LLC $360,000 $420,000 16.7% 0.2%
    US MORTGAGE CORPORATION $1,885,000 $415,000 -78.0% 0.2%
    MORTGAGE ACCESS CORP. $400,000 n/a 0.2%
    MICHIGAN MUTUAL, INC. $390,000 n/a 0.2%
    ZILLOW HOME LOANS, LLC $385,000 n/a 0.2%
    The Farmers National Bank of Canfield $1,785,000 $375,000 -79.0% 0.2%
    AMERICAN FINANCING CORPORATION $85,000 $365,000 329.4% 0.2%
    Greenville Savings Bank $305,000 $365,000 19.7% 0.2%
    NexBank $415,000 $355,000 -14.5% 0.2%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $345,000 n/a 0.2%
    FINANCE OF AMERICA REVERSE LLC $340,000 n/a 0.2%
    WEST PENN FINANCIAL SERVICE CENTER, INC. $135,000 $335,000 148.1% 0.2%
    The State Bank and Trust Company $330,000 n/a 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $215,000 $320,000 48.8% 0.2%
    S&T Bank $45,000 $315,000 600.0% 0.2%
    Flagstar Bank, FSB $615,000 $305,000 -50.4% 0.1%
    Westfield Bank, FSB $425,000 $305,000 -28.2% 0.1%
    EQUITY RESOURCES, INC. $55,000 $290,000 427.3% 0.1%
    Portage Community Bank $290,000 n/a 0.1%
    VAN DYK MORTGAGE CORPORATION $280,000 n/a 0.1%
    TOP FLITE FINANCIAL, INC. $2,205,000 $250,000 -88.7% 0.1%
    The Loan Store, Inc. $165,000 $240,000 45.5% 0.1%
    21ST MORTGAGE CORPORATION $595,000 $235,000 -60.5% 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $235,000 n/a 0.1%
    SUMMIT FUNDING, INC. $165,000 $230,000 39.4% 0.1%
    Bank of America $225,000 n/a 0.1%
    EMBRACE HOME LOANS, INC. $75,000 $225,000 200.0% 0.1%
    Mercantile Bank of Michigan $225,000 n/a 0.1%
    Union Savings Bank $225,000 n/a 0.1%
    Gateway First Bank $115,000 $215,000 87.0% 0.1%
    Truist $445,000 $200,000 -55.1% 0.1%
    Figure Lending LLC $355,000 $195,000 -45.1% 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $55,000 $185,000 236.4% 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $180,000 n/a 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $490,000 $170,000 -65.3% 0.1%
    Peoples Bank $165,000 n/a 0.1%
    CARDINAL CREDIT UNION, INC. $1,200,000 $160,000 -86.7% 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $155,000 n/a 0.1%
    Beeline Loans, Inc. $155,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $305,000 $155,000 -49.2% 0.1%
    NATIONS DIRECT MORTGAGE, LLC $155,000 n/a 0.1%
    TRIAD FINANCIAL SERVICES, INC. $155,000 n/a 0.1%
    Coastal Community Bank $150,000 n/a 0.1%
    Barrington Bank & Trust Company, N.A. $720,000 $145,000 -79.9% 0.1%
    The Federal Savings Bank $385,000 $145,000 -62.3% 0.1%
    Ameris Bank $140,000 n/a 0.1%
    RELIANCE FIRST CAPITAL, LLC $1,245,000 $140,000 -88.8% 0.1%
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $165,000 $135,000 -18.2% 0.1%
    GUARANTEED RATE AFFINITY, LLC $215,000 $135,000 -37.2% 0.1%
    Leader Bank $135,000 n/a 0.1%
    Service Federal Credit Union $135,000 n/a 0.1%
    THRIVE MORTGAGE, LLC $135,000 n/a 0.1%
    CENTURY $125,000 n/a 0.1%
    Florida Capital Bank $115,000 n/a 0.1%
    Magnolia Bank $115,000 n/a 0.1%
    PHH Mortgage Corporation $115,000 n/a 0.1%
    FIRST HERITAGE FINANCIAL, LLC $105,000 n/a 0.1%
    MID AMERICA MORTGAGE, INC. $85,000 $105,000 23.5% 0.1%
    SPRING EQ, LLC $55,000 $100,000 81.8% 0.0%
    NEWREZ LLC $875,000 $95,000 -89.1% 0.0%
    AMERICAN HERITAGE LENDING, INC. $85,000 n/a 0.0%
    Dollar Bank, Federal Savings Bank $1,040,000 $85,000 -91.8% 0.0%
    First Savings Bank $75,000 n/a 0.0%
    MORIA DEVELOPMENT, INC. $75,000 n/a 0.0%
    ALLIANT CREDIT UNION $55,000 n/a 0.0%
    CONSUMERS COOPERATIVE CREDIT UNION $55,000 n/a 0.0%
    Civista Bank $845,000 $45,000 -94.7% 0.0%
    WRIGHT-PATT CREDIT UNION, INC. $360,000 $45,000 -87.5% 0.0%

    Ashtabula's top lender by overall market share is The Huntington National Bank, with 15.6% market share. In second place, with 9.4%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $19,825,000 in loans. In third place, with 6.7%, is The Andover Bank, having originated $13,990,000 in loans. In fourth place, with 5.9%, is The Middlefield Banking Company, having originated $12,470,000 in loans. In fifth place, with 5.7%, is QUICKEN LOANS, LLC, having originated $12,025,000 in loans.

    Ashtabula Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Ashtabula (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 $102,250 (4.7%) $142,381 (9.6%) 0.00 361
    2018-02-01 $107,000 (12.0%) $143,643 (11.2%) 0.00 339
    2018-03-01 $104,950 (10.5%) $143,838 (10.4%) 0.00 337
    2018-04-01 $109,925 (10.5%) $147,595 (10.4%) 0.00 348
    2018-05-01 $113,300 (7.9%) $152,012 (10.1%) 0.00 360
    2018-06-01 $116,950 (8.6%) $160,504 (15.1%) 0.00 400
    2018-07-01 $121,961 (13.0%) $165,940 (16.5%) 0.00 425
    2018-08-01 $119,900 (8.1%) $160,581 (11.4%) 0.00 426
    2018-09-01 $119,957 (7.1%) $157,130 (8.3%) 0.00 419
    2018-10-01 $119,900 (8.0%) $152,993 (2.9%) 0.00 409
    2018-11-01 $122,450 (14.0%) $153,913 (3.7%) 0.00 373
    2018-12-01 $119,900 (11.5%) $149,424 (1.7%) 0.00 356
    2019-01-01 $119,400 (16.8%) $145,685 (2.3%) 0.00 339
    2019-02-01 $121,900 (13.9%) $156,289 (8.8%) 0.00 316
    2019-03-01 $126,471 (20.5%) $160,115 (11.3%) 0.00 308
    2019-04-01 $132,400 (20.5%) $164,561 (11.5%) 0.00 307
    2019-05-01 $144,900 (27.9%) $171,865 (13.1%) 0.00 314
    2019-06-01 $139,927 (19.7%) $174,471 (8.7%) 0.00 335
    2019-07-01 $138,832 (13.8%) $170,710 (2.9%) 0.00 372
    2019-08-01 $141,064 (17.7%) $170,716 (6.3%) 0.00 358
    2019-09-01 $146,034 (21.7%) $172,152 (9.6%) 0.00 347
    2019-10-01 $149,348 (24.6%) $173,271 (13.3%) 0.00 336
    2019-11-01 $139,450 (13.9%) $164,905 (7.1%) 0.00 332
    2019-12-01 $137,900 (15.0%) $160,145 (7.2%) 0.00 316
    2020-01-01 $135,225 (13.3%) $161,570 (10.9%) 0.00 310
    2020-02-01 $134,800 (10.6%) $163,434 (4.6%) 0.00 286
    2020-03-01 $139,900 (10.6%) $168,246 (5.1%) 0.00 278
    2020-04-01 $142,425 (7.6%) $175,191 (6.5%) 0.00 259
    2020-05-01 $145,000 (0.1%) $184,900 (7.6%) 0.00 237
    2020-06-01 $149,574 (6.9%) $196,187 (12.5%) 0.00 245
    2020-07-01 $154,950 (11.6%) $203,165 (19.0%) 0.00 209
    2020-08-01 $149,900 (6.3%) $195,823 (14.7%) 0.00 199
    2020-09-01 $139,900 (-4.2%) $184,293 (7.1%) 0.00 201
    2020-10-01 $139,900 (-6.3%) $183,773 (6.1%) 0.00 197
    2020-11-01 $136,950 (-1.8%) $168,481 (2.2%) 0.00 192
    2020-12-01 $136,325 (-1.1%) $165,824 (3.6%) 0.00 158
    2021-01-01 $140,000 (3.5%) $183,800 (13.8%) 0.00 144
    2021-02-01 $143,400 (6.4%) $197,711 (21.0%) 0.00 108
    2021-03-01 $150,669 (7.7%) $202,360 (20.3%) 0.00 102
    2021-04-01 $151,300 (6.2%) $213,694 (22.0%) 0.00 95
    2021-05-01 $155,000 (6.9%) $217,872 (17.8%) 0.00 96
    2021-06-01 $158,681 (6.1%) $233,730 (19.1%) 0.00 132
    2021-07-01 $165,000 (6.5%) $259,991 (28.0%) 0.00 132
    2021-08-01 $159,825 (6.6%) $247,812 (26.6%) 0.00 146
    2021-09-01 $159,425 (14.0%) $237,789 (29.0%) 0.00 158
    2021-10-01 $155,000 (10.8%) $219,088 (19.2%) 0.00 166
    2021-11-01 $147,800 (7.9%) $193,743 (15.0%) 0.00 165
    2021-12-01 $143,625 (5.4%) $195,412 (17.8%) 0.00 142
    2022-01-01 $144,950 (3.5%) $187,213 (1.9%) 0.00 124
    2022-02-01 $132,469 (-7.6%) $176,698 (-10.6%) 0.00 109
    2022-03-01 $139,250 (-7.6%) $182,987 (-9.6%) 0.00 99
    2022-04-01 $160,950 (6.4%) $200,473 (-6.2%) 0.00 104
    2022-05-01 $169,850 (9.6%) $228,824 (5.0%) 0.00 109
    2022-06-01 $162,425 (2.4%) $211,310 (-9.6%) 0.00 154
    2022-07-01 $169,900 (3.0%) $229,265 (-11.8%) 0.00 180
    2022-08-01 $159,225 (-0.4%) $215,229 (-13.2%) 0.00 198
    2022-09-01 $164,950 (3.5%) $223,822 (-5.9%) 0.00 208
    2022-10-01 $178,500 (15.2%) $229,986 (5.0%) 0.00 199
    2022-11-01 $183,800 (24.4%) $272,843 (40.8%) 0.00 176
    2022-12-01 $178,750 (24.5%) $270,999 (38.7%) 0.00 149
    2023-01-01 $172,450 (19.0%) $272,687 (45.7%) 0.00 135
    2023-02-01 $184,175 (39.0%) $291,603 (65.0%) 0.00 115
    2023-03-01 $182,400 (31.0%) $294,874 (61.2%) 0.00 108
    2023-04-01 $194,950 (21.1%) $302,234 (50.8%) 0.00 108
    2023-05-01 $188,200 (10.8%) $274,123 (19.8%) 0.00 120
    2023-06-01 $192,250 (18.4%) $290,177 (37.3%) 0.00 129
    2023-07-01 $192,250 (13.2%) $284,665 (24.2%) 0.00 127
    2023-08-01 $199,000 (25.0%) $284,657 (32.3%) 0.00 149
    2023-09-01 $222,450 (34.9%) $261,173 (16.7%) 0.00 174
    2023-10-01 $199,900 (12.0%) $261,959 (13.9%) 0.00 178
    2023-11-01 $199,900 (8.8%) $252,431 (-7.5%) 0.00 172
    2023-12-01 $189,900 (6.2%) $250,501 (-7.6%) 0.00 155
    2024-01-01 $191,244 (10.9%) $253,489 (-7.0%) 0.00 139
    2024-02-01 $197,475 (7.2%) $253,537 (-13.1%) 0.00 118
    2024-03-01 $189,900 (4.1%) $265,891 (-9.8%) 0.00 120
    Ashtabula's median listing price for 2024-03-01 was $189,900, a difference of $7,500 (4.1%) versus the prior year and $-7,575 versus the prior month.

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

    Ashtabula's average listing price for 2024-03-01 was $265,891, a difference of $-28,983 (-9.8%) versus the prior year and $12,354 versus the prior month.

    For the 2024-03-01 period, Ashtabula had 120 MLS listings, a difference of 2 listings (2%) versus the prior month and 12 listings (11%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Ashtabula (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,500 sqft
    2018-02-01 0 days 1,498 sqft
    2018-03-01 0 days 1,484 sqft
    2018-04-01 0 days 1,525 sqft
    2018-05-01 0 days 1,528 sqft
    2018-06-01 0 days 1,536 sqft
    2018-07-01 0 days 1,626 sqft
    2018-08-01 0 days 1,552 sqft
    2018-09-01 0 days 1,536 sqft
    2018-10-01 0 days 1,554 sqft
    2018-11-01 0 days 1,562 sqft
    2018-12-01 0 days 1,542 sqft
    2019-01-01 0 days 1,558 sqft
    2019-02-01 0 days 1,625 sqft
    2019-03-01 0 days 1,666 sqft
    2019-04-01 0 days 1,705 sqft
    2019-05-01 0 days 1,640 sqft
    2019-06-01 0 days 1,632 sqft
    2019-07-01 0 days 1,600 sqft
    2019-08-01 0 days 1,628 sqft
    2019-09-01 0 days 1,670 sqft
    2019-10-01 0 days 1,707 sqft
    2019-11-01 0 days 1,654 sqft
    2019-12-01 0 days 1,580 sqft
    2020-01-01 0 days 1,578 sqft
    2020-02-01 0 days 1,540 sqft
    2020-03-01 0 days 1,509 sqft
    2020-04-01 0 days 1,506 sqft
    2020-05-01 0 days 1,556 sqft
    2020-06-01 0 days 1,618 sqft
    2020-07-01 0 days 1,666 sqft
    2020-08-01 0 days 1,554 sqft
    2020-09-01 0 days 1,568 sqft
    2020-10-01 0 days 1,548 sqft
    2020-11-01 0 days 1,482 sqft
    2020-12-01 0 days 1,443 sqft
    2021-01-01 0 days 1,447 sqft
    2021-02-01 0 days 1,479 sqft
    2021-03-01 0 days 1,478 sqft
    2021-04-01 0 days 1,501 sqft
    2021-05-01 0 days 1,508 sqft
    2021-06-01 0 days 1,597 sqft
    2021-07-01 0 days 1,600 sqft
    2021-08-01 0 days 1,651 sqft
    2021-09-01 0 days 1,612 sqft
    2021-10-01 0 days 1,597 sqft
    2021-11-01 0 days 1,549 sqft
    2021-12-01 0 days 1,515 sqft
    2022-01-01 0 days 1,529 sqft
    2022-02-01 0 days 1,418 sqft
    2022-03-01 0 days 1,395 sqft
    2022-04-01 0 days 1,459 sqft
    2022-05-01 0 days 1,452 sqft
    2022-06-01 0 days 1,440 sqft
    2022-07-01 0 days 1,558 sqft
    2022-08-01 0 days 1,493 sqft
    2022-09-01 0 days 1,535 sqft
    2022-10-01 0 days 1,547 sqft
    2022-11-01 0 days 1,642 sqft
    2022-12-01 0 days 1,657 sqft
    2023-01-01 0 days 1,627 sqft
    2023-02-01 0 days 1,626 sqft
    2023-03-01 0 days 1,599 sqft
    2023-04-01 0 days 1,662 sqft
    2023-05-01 0 days 1,698 sqft
    2023-06-01 0 days 1,731 sqft
    2023-07-01 0 days 1,662 sqft
    2023-08-01 0 days 1,598 sqft
    2023-09-01 0 days 1,600 sqft
    2023-10-01 0 days 1,626 sqft
    2023-11-01 0 days 1,630 sqft
    2023-12-01 0 days 1,647 sqft
    2024-01-01 0 days 1,690 sqft
    2024-02-01 0 days 1,651 sqft
    2024-03-01 0 days 1,596 sqft
    Ashtabula's median listing age (time on market) for 2024-03-01 was 0 days.

    Ashtabula's median square footage for active listings during the 2024-03-01 period was 1,596 sqft. One year prior, the average listing was 1,599 sqft.

    Ashtabula, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 811 $137,735,000 $169,834
    Cash Out Refi 210 $24,580,000 $117,048
    Home Improvement 194 $14,780,000 $76,186
    Other 192 $14,540,000 $75,729
    Refi 143 $18,285,000 $127,867

    Ashtabula's most frequently cited loan purpose was Home Purchase, with 811 originations. The 2nd most popular reason was Cash Out Refi, with 210 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 479 $79,425,000 $165,814
    7-8% 436 $63,230,000 $145,023
    Over 8% 358 $28,670,000 $80,084
    5-6% 119 $20,205,000 $169,790
    <2.5% 6 $330,000 $55,000
    4-5% 6 $1,510,000 $251,667
    3-4% 4 $280,000 $70,000
    2.5-3% 1 $105,000 $105,000

    During 2023, Ashtabula's most frequently originated rate bucket was 6-7%, with 479 originations.

    Loan Sizing (Ashtabula, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 656 $38,000,000 $57,927
    $100k-200k 622 $88,870,000 $142,878
    $200k-400k 238 $62,420,000 $262,269
    $400k-600k 23 $11,035,000 $479,783
    $600k-1000k 9 $6,085,000 $676,111
    $Over $1MM 2 $3,510,000 $1,755,000

    Ashtabula's loan sizing saw the bucket of loans from $100,000 or less with 656 originations, totaling $38,000,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 586 $101,300,000 $172,867
    60-80% 288 $46,280,000 $160,694
    20-40% 229 $18,415,000 $80,415
    40-60% 154 $19,480,000 $126,494
    Under 20% 137 $4,425,000 $32,299
    Over 100% 14 $3,240,000 $231,429

    Ashtabula's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 586 originations, totaling $101,300,000 in origination value.