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 6.95% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 7.06% and one month ago for the week of 2025-02-27, the average rate was 6.77%.

    Ashtabula's average rate one year ago was 6.8%.

    For refis of the same type during the week of 2025-04-03, the average rate was 7.04%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Ashtabula 30 Year Fixed Rate 2025-04-03 6.95%
    Ashtabula 30 Year Fixed Rate Refi 2025-04-03 7.04%
    Ashtabula 15 Year Fixed Rate 2025-04-03 6.02%
    Ashtabula 15 Year Fixed Rate Refi 2025-04-03 6.22%
    Ashtabula 30 Year FHA 2025-04-03 6.42%
    Ashtabula 30 Year FHA Refi 2025-04-03 6.16%
    Ashtabula 30 Year USDA 2025-04-03 6.52%
    Ashtabula 30 Year USDA Refi 2025-04-03 6.12%
    Ashtabula 30 Year VA 2025-04-03 6.37%
    Ashtabula 30 Year VA Refi 2025-04-03 5.86%
    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    The Huntington National Bank 69 6.83% $4,719
    QUICKEN LOANS, LLC 58 6.85% $5,923
    CROSSCOUNTRY MORTGAGE, LLC 54 7.06% $5,823
    UNITED WHOLESALE MORTGAGE, LLC 29 7.00% $5,213
    UNION HOME MORTGAGE CORP. 20 7.11% $6,710
    Ixonia Bank 18 7.16% $6,834
    Farm Credit Mid-America, ACA 15 7.11% $7,208
    KeyBank 14 6.70% $4,584
    U.S. Bank 12 6.94% $3,674
    First National Bank of Pennsylvania 11 6.86% $4,158
    LOANDEPOT.COM, LLC 9 6.54% $7,156
    MMS MORTGAGE SERVICES, LTD. 9 6.19% $4,592
    JPMorgan Chase Bank 8 6.79% $3,707
    HOWARD HANNA FINANCIAL SERVICES, INC. 8 6.55% $4,403
    MYCUMORTGAGE, LLC 8 6.59% $4,870
    First Federal Bank of the Midwest 7 7.32% $4,008
    S1L, Inc. 7 6.70% $6,491
    RUOFF MORTGAGE COMPANY, INC. 7 6.64% $3,570
    FIRST COMMUNITY MORTGAGE, INC. 6 6.91% $4,143
    BROKER SOLUTIONS, INC. 3 7.00% $9,813
    LIBERTY HOME MORTGAGE CORPORATION 3 7.29% $4,904
    Seven Seventeen Credit Union 3 6.54% $3,779
    NAVY FEDERAL CREDIT UNION 3 7.21% $2,476
    Northwest Bank 3 6.46% $5,494
    Third Federal Savings and Loan Association of Cleveland 3 7.12% $3,187
    MUTUAL OF OMAHA MORTGAGE, INC. 3 6.83% $8,158
    PNC Bank 3 7.08% $6,123
    Fifth Third Bank 2 6.44% $2,983
    CHURCHILL MORTGAGE CORPORATION 2 6.56% $4,090
    First Federal Savings and Loan Association of Lakewood 2 6.90% $5,061
    Flagstar Bank, FSB 2 7.38% $6,562
    GENEVA FINANCIAL, LLC 2 6.88% $3,809
    GUARANTEED RATE, INC. 2 6.56% $4,211
    Marquette Savings Bank 2 6.69% $3,672
    Mortgage Research Center, LLC 2 7.00% $4,667
    MOVEMENT MORTGAGE, LLC 2 6.13% $5,092
    Mr. Cooper ( Nationstar Mortgage ) 2 6.88% $5,636
    ROYAL UNITED MORTGAGE LLC 2 6.44% $6,487
    TOWNE MORTGAGE COMPANY 2 6.50% $3,693
    US MORTGAGE CORPORATION 2 6.63% $6,069
    Wells Fargo Bank 2 6.81% $4,254
    WRIGHT-PATT CREDIT UNION, INC. 2 6.56% $3,490
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.13% $2,349
    MORTGAGE CENTER L.C 1 6.63% $4,668
    ALLIANT CREDIT UNION 1 6.63% $6,718
    USAA Federal Savings Bank 1 6.88% $4,467
    Alcova Mortgage LLC 1 6.63% $4,942
    M&T Bank 1 7.00% $4,013
    ENVOY MORTGAGE, LTD 1 7.00% $3,813
    ENDEAVOR CAPITAL, LLC. 1 6.88% $4,636
    Nations Lending Corporation 1 6.63% $4,314
    Discover Bank 1 7.31% $0
    NEXERA HOLDING LLC 1 7.88% $8,569
    NFM, INC. 1 7.50% $11,371
    Northpointe Bank 1 6.88% $8,662
    CNB Bank 1 6.75% $5,392
    Paramount Residential Mortgage Group, Inc. 1 6.13% $8,991
    PENTAGON FEDERAL CREDIT UNION 1 6.88% $4,006
    Civista Bank 1 7.25% $3,670
    POLARIS HOME FUNDING CORP. 1 7.13% $10,242
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.63% $9,249
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.38% $6,678
    Citizens Bank 1 5.88% $4,766
    RELIANCE FIRST CAPITAL, LLC 1 6.63% $5,955
    YOUR HOME FINANCIAL LLC 1 6.13% $8,165
    CARDINAL CREDIT UNION, INC. 1 6.48% $3,439
    BAYSHORE MORTGAGE FUNDING, LLC 1 6.99% $9,245
    Bank of America 1 6.38% $5,210
    SIRVA MORTGAGE, INC. 1 6.88% $2,244
    S&T Bank 1 7.00% $4,174
    Stifel Bank and Trust 1 6.13% $3,949
    The Farmers National Bank of Canfield 1 6.88% $4,967
    Axos Bank 1 6.50% $5,390
    The Park National Bank 1 7.13% $4,942
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.25% $4,514
    GUARANTEED RATE AFFINITY, LLC 1 7.38% $3,908
    V.I.P. MORTGAGE, INC. 1 6.38% $9,243
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 8.13% $15,865
    GENERAL ELECTRIC CREDIT UNION 1 6.74% $1,008
    First National Bank of America 1 9.00% $8,584
    FIRST HERITAGE FINANCIAL, LLC 1 6.63% $4,148
    First Commonwealth Bank 1 5.99% $8,681
    AFFORDABLE MORTGAGE ADVISORS, LLC. 1 6.88% $5,008
    Ally Bank 1 6.50% $5,516
    MICHIGAN MUTUAL, INC. 1 6.99% $4,229

    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 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
    2024-04-01 $212,439 (9.0%) $282,404 (-6.6%) 0.00 111
    2024-05-01 $246,000 (30.7%) $331,547 (21.0%) 0.00 126
    2024-06-01 $245,900 (27.9%) $339,470 (17.0%) 0.00 138
    2024-07-01 $252,450 (31.3%) $350,658 (23.2%) 0.00 157
    2024-08-01 $249,900 (25.6%) $305,275 (7.2%) 0.00 176
    2024-09-01 $223,450 (0.5%) $291,719 (11.7%) 0.00 193
    2024-10-01 $238,125 (19.1%) $297,886 (13.7%) 0.00 194
    2024-11-01 $226,900 (13.5%) $284,789 (12.8%) 0.00 211
    2024-12-01 $222,475 (17.2%) $284,027 (13.4%) 0.00 189
    Ashtabula's median listing price for 2024-12-01 was $222,475, a difference of $32,575 (17.2%) versus the prior year and $-4,425 versus the prior month.

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

    Ashtabula's average listing price for 2024-12-01 was $284,027, a difference of $33,526 (13.4%) versus the prior year and $-762 versus the prior month.

    For the 2024-12-01 period, Ashtabula had 189 MLS listings, a difference of -22 listings (-10%) versus the prior month and 34 listings (22%) 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 1,676 sqft
    2024-03-01 0 days 1,596 sqft
    2024-04-01 0 days 1,627 sqft
    2024-05-01 0 days 1,721 sqft
    2024-06-01 0 days 1,770 sqft
    2024-07-01 0 days 1,686 sqft
    2024-08-01 0 days 1,666 sqft
    2024-09-01 0 days 1,633 sqft
    2024-10-01 0 days 1,639 sqft
    2024-11-01 0 days 1,639 sqft
    2024-12-01 0 days 1,661 sqft
    Ashtabula's median listing age (time on market) for 2024-12-01 was 0 days.

    Ashtabula's median square footage for active listings during the 2024-12-01 period was 1,661 sqft. One year prior, the average listing was 1,647 sqft.

    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.