Ashtabula Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Ashtabula averaged 7.12% for the week of 2025-06-18, compared to the national average of 6.81% for the same period.

The average rate for the prior week (2025-06-12) was 6.95% and one month ago for the week of 2025-05-15, the average rate was 7.12%.

Ashtabula's average rate one year ago was 7.36%.

For refis of the same type during the week of 2025-06-18, the average rate was 6.91%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Ashtabula 30 Year Fixed Rate 2025-06-18 7.12%
Ashtabula 30 Year Fixed Rate Refi 2025-06-18 6.91%
Ashtabula 15 Year Fixed Rate 2025-06-18 6.16%
Ashtabula 15 Year Fixed Rate Refi 2025-06-18 6.36%
Ashtabula 30 Year FHA 2025-06-18 0.56%
Ashtabula 30 Year FHA Refi 2025-06-18 -0.1%
Ashtabula 30 Year USDA 2025-06-18 -0.2%
Ashtabula 30 Year USDA Refi 2025-06-18 0.1%
Ashtabula 30 Year VA 2025-06-18 0.31%
Ashtabula 30 Year VA Refi 2025-06-18 0.1%
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, 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.