Ashtabula Mortgage Rates

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

30 Year Fixed Rate mortgages in Ashtabula averaged 6.19% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 5.96% and one month ago for the week of 2022-05-19, the average rate was 5.63%.

Ashtabula's average rate one year ago was 3.03%.

For refis of the same type during the week of 2022-06-23, the average rate was 5.98%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Ashtabula 30 Year Fixed Rate 2022-06-23 6.19%
Ashtabula 30 Year Fixed Rate Refi 2022-06-23 5.98%
Ashtabula 15 Year Fixed Rate 2022-06-23 4.98%
Ashtabula 15 Year Fixed Rate Refi 2022-06-23 5.44%
Ashtabula 30 Year FHA 2022-06-23 -0.08%
Ashtabula 30 Year FHA Refi 2022-06-23 -0.08%
Ashtabula 30 Year USDA 2022-06-23 0.14%
Ashtabula 30 Year USDA Refi 2022-06-23 -0.22%
Ashtabula 30 Year VA 2022-06-23 0.52%
Ashtabula 30 Year VA Refi 2022-06-23 -0.2%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
The Huntington National Bank 140 3.24% $3,420
QUICKEN LOANS, LLC 131 3.20% $5,109
CROSSCOUNTRY MORTGAGE, LLC 54 3.34% $5,115
UNION HOME MORTGAGE CORP. 36 3.30% $4,079
Farm Credit Mid-America, ACA 31 3.51% $6,282
KeyBank 30 3.28% $1,813
Third Federal Savings and Loan Association of Cleveland 20 2.83% $3,014
JPMorgan Chase Bank 20 3.22% $2,750
U.S. Bank 17 3.28% $2,652
LOANDEPOT.COM, LLC 15 2.98% $4,942
MYCUMORTGAGE, LLC 14 3.43% $4,187
Seven Seventeen Credit Union 13 3.10% $3,585
LIBERTY HOME MORTGAGE CORPORATION 13 3.39% $5,368
TOP FLITE FINANCIAL, INC. 13 3.34% $3,993
HOWARD HANNA FINANCIAL SERVICES, INC. 12 3.06% $3,944
First Federal Savings and Loan Association of Lakewood 12 3.11% $4,498
Northwest Bank 11 3.01% $2,594
GUARANTEED RATE, INC. 11 3.16% $3,683
Wells Fargo Bank 11 3.58% $3,356
RUOFF MORTGAGE COMPANY, INC. 9 3.33% $2,440
Paramount Residential Mortgage Group, Inc. 9 3.38% $4,429
NAVY FEDERAL CREDIT UNION 8 3.66% $4,164
First Federal Bank of the Midwest 8 3.38% $3,507
UNITED WHOLESALE MORTGAGE, LLC 8 3.16% $5,317
AMERISAVE MORTGAGE CORPORATION 7 2.96% $6,100
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 7 3.45% $4,496
Mr. Cooper ( Nationstar Mortgage ) 7 3.55% $4,560
CARDINAL CREDIT UNION, INC. 7 3.49% $3,497
Waterstone Mortgage Corporation 6 3.44% $4,882
American Midwest Mortgage Corporation 6 3.21% $4,305
MMS MORTGAGE SERVICES, LTD. 6 3.15% $2,589
HOMESIDE FINANCIAL, LLC 6 3.23% $4,214
Fifth Third Bank 6 3.25% $4,560
BETTER MORTGAGE CORPORATION 5 3.30% $2,851
UNION CAPITAL MORTGAGE CORPORATION 5 2.98% $3,579
BROKER SOLUTIONS, INC. 5 3.25% $4,485
First National Bank of Pennsylvania 5 3.03% $3,791
NEWREZ LLC 5 3.27% $3,247
First Commonwealth Bank 5 3.18% $2,995
The Farmers National Bank of Canfield 4 3.63% $4,826
ROYAL UNITED MORTGAGE LLC 4 3.50% $5,508
PNC Bank 4 3.25% $4,223
Bank of England 4 3.06% $4,162
Nations Lending Corporation 4 3.06% $5,075
Dollar Bank, Federal Savings Bank 4 2.84% $5,418
CALIBER HOME LOANS, INC. 4 3.81% $3,565
First Guaranty Mortgage Corporation 3 3.13% $3,099
CNB Bank 3 2.96% $3,576
PENNYMAC LOAN SERVICES, LLC 3 3.00% $7,073
MID AMERICA MORTGAGE, INC. 3 3.25% $5,467
MOVEMENT MORTGAGE, LLC 3 3.02% $4,661
Flagstar Bank, FSB 3 3.20% $2,971
RAPID MORTGAGE COMPANY 3 3.46% $4,490
SIGNATURE MORTGAGE CORPORATION 2 3.19% $3,067
Civista Bank 2 2.88% $3,674
Citizens Bank 2 3.19% $5,288
Carrington Mortgage Services, LLC 2 3.00% $5,372
FIRST COMMUNITY MORTGAGE, INC. 2 3.06% $3,310
KELLER MORTGAGE, LLC 2 3.69% $4,601
MORIA DEVELOPMENT, INC. 2 3.56% $4,056
Ally Bank 2 3.25% $3,919
ZILLOW HOME LOANS, LLC 1 2.88% $3,293
AFFORDABLE MORTGAGE ADVISORS, LLC. 1 3.13% $3,610
AMERICAN FINANCIAL RESOURCES, INC. 1 3.63% $10,131
AMERICAN FINANCING CORPORATION 1 2.88% $4,829
AMERIFIRST FINANCIAL CORPORATION 1 3.63% $6,590
Ameris Bank 1 2.88% $3,439
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 2.99% $7,051
Axos Bank 1 2.99% $3,931
Bank of America 1 2.63% $3,255
DELMAR FINANCIAL COMPANY 1 2.88% $4,803
Discover Bank 1 5.49% $0
DRAPER AND KRAMER MORTGAGE CORP. 1 3.13% $4,039
ENDEAVOR CAPITAL, LLC. 1 3.25% $5,167
FAIR WAY LENDING LLC 1 3.25% $4,291
FIRST CENTENNIAL MORTGAGE CORPORATION 1 3.38% $4,435
FIRST HERITAGE FINANCIAL, LLC 1 3.05% $3,813
First United Bank and Trust Company 1 3.00% $3,938
Goldwater Bank, N.A. 1 2.88% $3,306
Heartland Bank 1 3.38% $7,714
HOME POINT FINANCIAL CORPORATION 1 2.63% $3,716
InterContinental Capital Group, Inc 1 2.63% $3,799
JLB CORPORATION 1 3.38% $3,774
LAKEVIEW LOAN SERVICING, LLC 1 3.63% $3,141
LENDUS, LLC 1 3.00% $4,352
Manufacturers and Traders Trust Company 1 3.00% $5,029
MICHIGAN MUTUAL, INC. 1 3.63% $4,038
MORTGAGE CENTER L.C 1 3.13% $3,272
Mortgage Research Center, LLC 1 2.75% $2,006
NATIONWIDE MORTGAGE BANKERS, INC. 1 3.88% $5,088
NP, Inc. 1 3.13% $7,486
POLARIS HOME FUNDING CORP. 1 3.00% $7,067
PREMIA MORTGAGE, LLC 1 3.13% $519
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 3.63% $4,723
RESIDENTIAL BANCORP. 1 2.99% $5,003
RESIDENTIAL MORTGAGE SERVICES, INC. 1 2.75% $4,144
Sierra Pacific Mortgage Company, Inc. 1 3.13% $5,003
S&T Bank 1 3.25% $7,622
The Cortland Savings and Banking Company 1 2.88% $3,982
The State Bank and Trust Company 1 2.75% $2,809
Truliant Federal Credit Union 1 3.25% $2,996
US MORTGAGE CORPORATION 1 3.25% $4,112
Westfield Bank, FSB 1 3.00% $4,078
YOUR HOME FINANCIAL LLC 1 3.38% $3,170
A&D Mortgage LLC 1 6.63% $11,553

Ashtabula, OH's 105 lenders originated 3,141 loans during 2021. The total origination value was $429,985,000, with an average loan value of $136,894.

The top Ashtabula lender as defined by loan originations is The Huntington National Bank, with 140 loans originated. Their average total fees are $3,420, which is $1,689 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Ashtabula lenders (with over 10 loans originated) are KeyBank ($1,813), Northwest Bank ($2,594), U.S. Bank ($2,652), JPMorgan Chase Bank ($2,750) and Third Federal Savings and Loan Association of Cleveland ($3,014).

The lowest rate Ashtabula lenders (with over 10 loans originated) are Third Federal Savings and Loan Association of Cleveland (2.83%), LOANDEPOT.COM, LLC (2.98%), Northwest Bank (3.01%), HOWARD HANNA FINANCIAL SERVICES, INC. (3.06%) and Seven Seventeen Credit Union (3.10%).

Ashtabula, OH Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
The Huntington National Bank $45,400,000 $61,670,000 35.8% 14.3%
QUICKEN LOANS, LLC $32,155,000 $49,845,000 55.0% 11.6%
CROSSCOUNTRY MORTGAGE, LLC $28,340,000 $29,395,000 3.7% 6.8%
The Andover Bank $25,845,000 $27,800,000 7.6% 6.5%
The Middlefield Banking Company $15,045,000 $18,690,000 24.2% 4.3%
UNION HOME MORTGAGE CORP. $13,115,000 $15,405,000 17.5% 3.6%
KeyBank $9,025,000 $10,275,000 13.9% 2.4%
Farm Credit Mid-America, ACA $7,625,000 $8,760,000 14.9% 2.0%
FREEDOM MORTGAGE CORPORATION $10,730,000 $8,590,000 -19.9% 2.0%
Mortgage Research Center, LLC $7,000,000 $7,755,000 10.8% 1.8%
U.S. Bank $7,495,000 $7,485,000 -0.1% 1.7%
LIBERTY HOME MORTGAGE CORPORATION $5,895,000 $7,430,000 26.0% 1.7%
CNB Bank $3,280,000 $7,220,000 120.1% 1.7%
Third Federal Savings and Loan Association of Cleveland $4,060,000 $5,440,000 34.0% 1.3%
LOANDEPOT.COM, LLC $4,190,000 $5,380,000 28.4% 1.3%
JPMorgan Chase Bank $3,805,000 $4,640,000 21.9% 1.1%
Mr. Cooper ( Nationstar Mortgage ) $3,730,000 $4,640,000 24.4% 1.1%
First Federal Bank of the Midwest $3,085,000 $4,450,000 44.2% 1.0%
TOP FLITE FINANCIAL, INC. $3,835,000 $4,400,000 14.7% 1.0%
HOWARD HANNA FINANCIAL SERVICES, INC. $3,590,000 $4,250,000 18.4% 1.0%
UNITED WHOLESALE MORTGAGE, LLC $365,000 $3,850,000 954.8% 0.9%
Seven Seventeen Credit Union $1,620,000 $3,720,000 129.6% 0.9%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $3,635,000 $3,700,000 1.8% 0.9%
Dollar Bank, Federal Savings Bank $1,500,000 $3,655,000 143.7% 0.9%
Waterstone Mortgage Corporation $1,970,000 $3,430,000 74.1% 0.8%
RUOFF MORTGAGE COMPANY, INC. $1,320,000 $3,330,000 152.3% 0.8%
First Federal Savings and Loan Association of Lakewood $2,735,000 $3,280,000 19.9% 0.8%
NEWREZ LLC $1,335,000 $3,105,000 132.6% 0.7%
Northwest Bank $7,950,000 $3,085,000 -61.2% 0.7%
AMERISAVE MORTGAGE CORPORATION $645,000 $3,030,000 369.8% 0.7%
PENNYMAC LOAN SERVICES, LLC $845,000 $3,010,000 256.2% 0.7%
First National Bank of Pennsylvania $3,160,000 $2,965,000 -6.2% 0.7%
CARDINAL CREDIT UNION, INC. $1,440,000 $2,955,000 105.2% 0.7%
GUARANTEED RATE, INC. $610,000 $2,930,000 380.3% 0.7%
NAVY FEDERAL CREDIT UNION $1,440,000 $2,795,000 94.1% 0.7%
Paramount Residential Mortgage Group, Inc. $2,030,000 $2,785,000 37.2% 0.6%
Fifth Third Bank $2,155,000 $2,775,000 28.8% 0.6%
MYCUMORTGAGE, LLC $1,515,000 $2,705,000 78.5% 0.6%
Wells Fargo Bank $2,340,000 $2,580,000 10.3% 0.6%
PNC Bank $1,700,000 $2,340,000 37.6% 0.5%
FIRST OHIO HOME FINANCE, INC. $2,530,000 $2,315,000 -8.5% 0.5%
First Commonwealth Bank $4,815,000 $2,300,000 -52.2% 0.5%
The Cortland Savings and Banking Company $2,000,000 $2,205,000 10.3% 0.5%
BROKER SOLUTIONS, INC. $1,045,000 $2,160,000 106.7% 0.5%
Nations Lending Corporation $1,425,000 $2,110,000 48.1% 0.5%
The Farmers National Bank of Canfield $1,985,000 $2,020,000 1.8% 0.5%
VILLAGE CAPITAL & INVESTMENT LLC $1,085,000 $1,860,000 71.4% 0.4%
First Guaranty Mortgage Corporation $750,000 $1,840,000 145.3% 0.4%
CALIBER HOME LOANS, INC. $830,000 $1,825,000 119.9% 0.4%
Flagstar Bank, FSB $460,000 $1,795,000 290.2% 0.4%
BETTER MORTGAGE CORPORATION $275,000 $1,775,000 545.5% 0.4%
American Midwest Mortgage Corporation $1,870,000 $1,720,000 -8.0% 0.4%
RiverHills Bank $1,715,000 n/a 0.4%
MMS MORTGAGE SERVICES, LTD. $845,000 $1,705,000 101.8% 0.4%
Citizens Bank $2,165,000 $1,520,000 -29.8% 0.4%
US MORTGAGE CORPORATION $1,480,000 n/a 0.3%
Arbor Realty Trust, Inc. $1,395,000 n/a 0.3%
WALKER & DUNLOP, LLC $5,925,000 $1,345,000 -77.3% 0.3%
HOMESIDE FINANCIAL, LLC $680,000 $1,295,000 90.4% 0.3%
UNION CAPITAL MORTGAGE CORPORATION $415,000 $1,270,000 206.0% 0.3%
Civista Bank $350,000 $1,165,000 232.9% 0.3%
Carrington Mortgage Services, LLC $1,005,000 $1,090,000 8.5% 0.3%
AMERICAN FINANCIAL RESOURCES, INC. $435,000 $1,065,000 144.8% 0.2%
ROYAL UNITED MORTGAGE LLC $545,000 $1,035,000 89.9% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,045,000 $975,000 -6.7% 0.2%
Bank of England $280,000 $970,000 246.4% 0.2%
LAKEVIEW LOAN SERVICING, LLC $960,000 n/a 0.2%
USAA Federal Savings Bank $1,990,000 $925,000 -53.5% 0.2%
MID AMERICA MORTGAGE, INC. $1,295,000 $865,000 -33.2% 0.2%
SIGNATURE MORTGAGE CORPORATION $860,000 n/a 0.2%
The Federal Savings Bank $370,000 $855,000 131.1% 0.2%
HOME POINT FINANCIAL CORPORATION $340,000 $775,000 127.9% 0.2%
FINANCE OF AMERICA COMMERCIAL LLC $770,000 n/a 0.2%
CLEARPATH LENDING $1,310,000 $755,000 -42.4% 0.2%
21ST MORTGAGE CORPORATION $280,000 $720,000 157.1% 0.2%
NEW DAY FINANCIAL, LLC $1,580,000 $710,000 -55.1% 0.2%
Manufacturers and Traders Trust Company $515,000 $610,000 18.4% 0.1%
First Savings Bank $165,000 $605,000 266.7% 0.1%
S&T Bank $275,000 $600,000 118.2% 0.1%
Hometown Equity Mortgage, LLC $290,000 $575,000 98.3% 0.1%
Greenville Savings Bank $35,000 $570,000 1,528.6% 0.1%
RAPID MORTGAGE COMPANY $185,000 $560,000 202.7% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $420,000 $505,000 20.2% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $775,000 $500,000 -35.5% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $495,000 n/a 0.1%
FIRST CENTENNIAL MORTGAGE CORPORATION $105,000 $495,000 371.4% 0.1%
POLARIS HOME FUNDING CORP. $680,000 $485,000 -28.7% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $175,000 $465,000 165.7% 0.1%
Heartland Bank $235,000 $460,000 95.7% 0.1%
AMERIFIRST FINANCIAL CORPORATION $270,000 $425,000 57.4% 0.1%
MOVEMENT MORTGAGE, LLC $635,000 $415,000 -34.6% 0.1%
FIRST COMMUNITY MORTGAGE, INC. $180,000 $395,000 119.4% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $390,000 n/a 0.1%
Independent Bank $385,000 n/a 0.1%
DELMAR FINANCIAL COMPANY $375,000 n/a 0.1%
Westfield Bank, FSB $175,000 $375,000 114.3% 0.1%
Ally Bank $470,000 $365,000 -22.3% 0.1%
RELIANCE FIRST CAPITAL, LLC $860,000 $365,000 -57.6% 0.1%
ZILLOW HOME LOANS, LLC $355,000 n/a 0.1%
1ST SIGNATURE LENDING, LLC $350,000 n/a 0.1%
Low VA Rates, LLC $475,000 $345,000 -27.4% 0.1%
Barrington Bank & Trust Company, N.A. $75,000 $325,000 333.3% 0.1%
BAYSHORE MORTGAGE FUNDING, LLC $325,000 n/a 0.1%
CMG MORTGAGE, INC. $265,000 $320,000 20.8% 0.1%
Magnolia Bank $135,000 $320,000 137.0% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $315,000 n/a 0.1%
ENDEAVOR CAPITAL, LLC. $225,000 $310,000 37.8% 0.1%
Figure Lending LLC $305,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $330,000 $300,000 -9.1% 0.1%
EQUITY RESOURCES, INC. $170,000 $295,000 73.5% 0.1%
CENTURY $260,000 $290,000 11.5% 0.1%
FIRST HERITAGE FINANCIAL, LLC $45,000 $285,000 533.3% 0.1%
PHH Mortgage Corporation $335,000 $270,000 -19.4% 0.1%
KELLER MORTGAGE, LLC $350,000 $260,000 -25.7% 0.1%
NATIONS DIRECT MORTGAGE, LLC $125,000 $260,000 108.0% 0.1%
NATIONWIDE MORTGAGE BANKERS, INC. $220,000 $260,000 18.2% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $255,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $185,000 $245,000 32.4% 0.1%
Ohio Catholic Federal Credit Union $245,000 n/a 0.1%
PREMIA MORTGAGE, LLC $235,000 n/a 0.1%
The State Bank and Trust Company $245,000 $235,000 -4.1% 0.1%
Discover Bank $85,000 $230,000 170.6% 0.1%
Axos Bank $225,000 n/a 0.1%
George Mason Mortgage, LLC $325,000 $225,000 -30.8% 0.1%
JLB CORPORATION $105,000 $210,000 100.0% 0.0%
MORIA DEVELOPMENT, INC. $210,000 n/a 0.0%
A&D Mortgage LLC $205,000 n/a 0.0%
Ameris Bank $205,000 n/a 0.0%
YOUR HOME FINANCIAL LLC $205,000 n/a 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $185,000 n/a 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $185,000 n/a 0.0%
United Fidelity Funding Corp. $305,000 $185,000 -39.3% 0.0%
JAYCO PREMIUM FINANCE OF CALIFORNIA, INC. $175,000 n/a 0.0%
ABSOLUTE HOME MORTGAGE CORPORATION $475,000 $165,000 -65.3% 0.0%
AFFORDABLE MORTGAGE ADVISORS, LLC. $165,000 n/a 0.0%
Bank of America $560,000 $165,000 -70.5% 0.0%
EMM LOANS LLC $165,000 n/a 0.0%
First United Bank and Trust Company $165,000 n/a 0.0%
Ixonia Bank $165,000 n/a 0.0%
RESIDENTIAL BANCORP. $155,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $710,000 $145,000 -79.6% 0.0%
Brentwood Bank $145,000 n/a 0.0%
NP, Inc. $145,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $245,000 $145,000 -40.8% 0.0%
Citibank $135,000 $135,000 0.0% 0.0%
UNITED MORTGAGE CORP. $135,000 n/a 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $135,000 n/a 0.0%
AMERICAN ADVISORS GROUP $300,000 $125,000 -58.3% 0.0%
LENDUS, LLC $785,000 $125,000 -84.1% 0.0%
RESIDENTIAL MORTGAGE SERVICES, INC. $235,000 $125,000 -46.8% 0.0%
Sierra Pacific Mortgage Company, Inc. $125,000 n/a 0.0%
TCF National Bank $825,000 $125,000 -84.8% 0.0%
FINANCE OF AMERICA REVERSE LLC $115,000 n/a 0.0%
InterContinental Capital Group, Inc $115,000 n/a 0.0%
PLANET HOME LENDING, LLC $255,000 $115,000 -54.9% 0.0%
Union Savings Bank $165,000 $115,000 -30.3% 0.0%
Wayne Savings Community Bank $115,000 n/a 0.0%
MORTGAGE CENTER L.C $105,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $515,000 $105,000 -79.6% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $215,000 $95,000 -55.8% 0.0%
CHURCHILL MORTGAGE CORPORATION $95,000 n/a 0.0%
CONTOUR MORTGAGE CORPORATION $95,000 n/a 0.0%
PLAZA HOME MORTGAGE, INC. $95,000 n/a 0.0%
The First National Bank of Pandora $95,000 n/a 0.0%
FEDERATED MORTGAGE CORP. $85,000 n/a 0.0%
Goldwater Bank, N.A. $720,000 $85,000 -88.2% 0.0%
GUARANTEED RATE AFFINITY, LLC $105,000 $85,000 -19.0% 0.0%
MICHIGAN MUTUAL, INC. $75,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $75,000 n/a 0.0%
CREDIT UNION OF OHIO $65,000 n/a 0.0%
FAIR WAY LENDING LLC $65,000 n/a 0.0%
Truliant Federal Credit Union $65,000 n/a 0.0%
Portage Community Bank $55,000 n/a 0.0%
WRIGHT-PATT CREDIT UNION, INC. $105,000 $35,000 -66.7% 0.0%
SPRING EQ, LLC $25,000 n/a 0.0%

Ashtabula's top lender by overall market share is The Huntington National Bank, with 14.3% market share. In second place, with 11.6%, is QUICKEN LOANS, LLC, having originated $49,845,000 in loans. In third place, with 6.8%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $29,395,000 in loans. In third place, with 6.5%, is The Andover Bank, having originated $27,800,000 in loans. In third place, with 4.3%, is The Middlefield Banking Company, having originated $18,690,000 in loans.


Ashtabula, OH Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,155 $185,655,000 $160,740
Refi 1,040 $138,040,000 $132,731
Cash Out Refi 603 $80,135,000 $132,894
Home Improvement 192 $15,320,000 $79,792
Other 151 $10,835,000 $71,755

Ashtabula's most frequently cited loan purpose was Home Purchase, with 1,155 originations. The 2nd most popular reason was Refi, with 1,040 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,127 $161,045,000 $142,897
2.5-3% 985 $143,125,000 $145,305
<2.5% 347 $52,575,000 $151,513
4-5% 133 $17,645,000 $132,669
5-6% 65 $3,165,000 $48,692
6-7% 28 $1,610,000 $57,500
Over 8% 19 $985,000 $51,842
7-8% 17 $715,000 $42,059

During 2021, Ashtabula's most frequently originated rate bucket was 3-4%, with 1,127 originations.

Loan Sizing (Ashtabula, OH MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,477 $208,565,000 $141,209
$100,000 or less 1,186 $78,350,000 $66,062
$200k-400k 425 $110,995,000 $261,165
$400k-600k 42 $20,000,000 $476,190
$600k-1000k 7 $4,925,000 $703,571
$Over $1MM 4 $7,150,000 $1,787,500

Ashtabula's loan sizing saw the bucket of loans from $100k-200k with 1,477 originations, totaling $208,565,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,124 $176,890,000 $157,375
60-80% 848 $125,710,000 $148,243
40-60% 357 $42,495,000 $119,034
20-40% 197 $13,585,000 $68,959
Under 20% 79 $2,715,000 $34,367
Over 100% 21 $4,785,000 $227,857

Ashtabula's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,124 originations, totaling $176,890,000 in origination value.


Market Conditions (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 $100,000 (3.9%) $141,945 (8.3%) 0.00 355
2018-02-01 $106,000 (11.6%) $143,113 (9.9%) 0.00 335
2018-03-01 $105,000 (10.6%) $145,794 (11.7%) 0.00 337
2018-04-01 $110,350 (10.9%) $148,108 (9.2%) 0.00 344
2018-05-01 $114,250 (9.1%) $151,238 (7.7%) 0.00 352
2018-06-01 $119,000 (13.4%) $161,017 (13.8%) 0.00 394
2018-07-01 $124,900 (16.8%) $167,059 (17.9%) 0.00 421
2018-08-01 $122,471 (11.4%) $161,467 (12.2%) 0.00 421
2018-09-01 $120,000 (7.1%) $158,634 (10.2%) 0.00 416
2018-10-01 $119,921 (8.2%) $153,992 (5.2%) 0.00 403
2018-11-01 $124,400 (16.3%) $154,300 (4.5%) 0.00 372
2018-12-01 $119,900 (14.2%) $150,026 (2.8%) 0.00 355
2019-01-01 $119,900 (19.9%) $146,302 (3.1%) 0.00 335
2019-02-01 $121,950 (15.1%) $156,989 (9.7%) 0.00 315
2019-03-01 $126,471 (20.5%) $160,975 (10.4%) 0.00 306
2019-04-01 $129,950 (17.8%) $166,074 (12.1%) 0.00 304
2019-05-01 $144,948 (26.9%) $173,047 (14.4%) 0.00 308
2019-06-01 $139,927 (17.6%) $175,136 (8.8%) 0.00 334
2019-07-01 $139,914 (12.0%) $171,274 (2.5%) 0.00 370
2019-08-01 $143,100 (16.8%) $170,152 (5.4%) 0.00 358
2019-09-01 $149,900 (24.9%) $170,197 (7.3%) 0.00 353
2019-10-01 $149,700 (24.8%) $175,241 (13.8%) 0.00 330
2019-11-01 $139,900 (12.5%) $166,846 (8.1%) 0.00 332
2019-12-01 $139,900 (16.7%) $163,004 (8.7%) 0.00 317
2020-01-01 $139,900 (16.7%) $165,405 (13.1%) 0.00 313
2020-02-01 $139,900 (14.7%) $167,387 (6.6%) 0.00 289
2020-03-01 $139,900 (10.6%) $172,448 (7.1%) 0.00 279
2020-04-01 $142,939 (10.0%) $178,245 (7.3%) 0.00 260
2020-05-01 $149,500 (3.1%) $189,031 (9.2%) 0.00 235
2020-06-01 $149,900 (7.1%) $198,527 (13.4%) 0.00 242
2020-07-01 $154,500 (10.4%) $204,487 (19.4%) 0.00 208
2020-08-01 $149,900 (4.8%) $193,295 (13.6%) 0.00 200
2020-09-01 $140,000 (-6.6%) $189,680 (11.5%) 0.00 203
2020-10-01 $139,900 (-6.6%) $182,289 (4.0%) 0.00 202
2020-11-01 $139,900 (0.0%) $170,946 (2.5%) 0.00 192
2020-12-01 $134,250 (-4.0%) $169,378 (3.9%) 0.00 157
2021-01-01 $142,900 (2.1%) $187,631 (13.4%) 0.00 143
2021-02-01 $144,150 (3.0%) $203,229 (21.4%) 0.00 110
2021-03-01 $150,439 (7.5%) $201,369 (16.8%) 0.00 101
2021-04-01 $150,900 (5.6%) $216,909 (21.7%) 0.00 94
2021-05-01 $155,900 (4.3%) $218,955 (15.8%) 0.00 95
2021-06-01 $159,000 (6.1%) $234,410 (18.1%) 0.00 131
2021-07-01 $169,939 (10.0%) $262,070 (28.2%) 0.00 133
2021-08-01 $161,200 (7.5%) $266,744 (38.0%) 0.00 146
2021-09-01 $162,900 (16.4%) $257,514 (35.8%) 0.00 160
2021-10-01 $159,000 (13.7%) $239,416 (31.3%) 0.00 170
2021-11-01 $148,000 (5.8%) $213,148 (24.7%) 0.00 164
2021-12-01 $148,450 (10.6%) $218,665 (29.1%) 0.00 138
2022-01-01 $145,000 (1.5%) $188,179 (0.3%) 0.00 121
2022-02-01 $137,000 (-5.0%) $181,121 (-10.9%) 0.00 107
2022-03-01 $139,975 (-7.0%) $184,498 (-8.4%) 0.00 96
2022-04-01 $169,000 (12.0%) $203,161 (-6.3%) 0.00 105
2022-05-01 $169,875 (9.0%) $251,993 (15.1%) 0.00 111
Ashtabula's median listing price for 2022-05-01 was $169,875, a difference of $13,975 (9.0%) versus the prior year and $875 versus the prior month.

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

Ashtabula's average listing price for 2022-05-01 was $251,993, a difference of $33,038 (15.1%) versus the prior year and $48,832 versus the prior month.

For the 2022-05-01 period, Ashtabula had 111 MLS listings, a difference of 6 listings (6%) versus the prior month and 16 listings (17%) 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 1,510 sqft
2018-03-01 0 days 1,487 sqft
2018-04-01 0 days 1,534 sqft
2018-05-01 0 days 1,529 sqft
2018-06-01 0 days 1,536 sqft
2018-07-01 0 days 1,640 sqft
2018-08-01 0 days 1,540 sqft
2018-09-01 0 days 1,536 sqft
2018-10-01 0 days 1,545 sqft
2018-11-01 0 days 1,585 sqft
2018-12-01 0 days 1,560 sqft
2019-01-01 0 days 1,568 sqft
2019-02-01 0 days 1,638 sqft
2019-03-01 0 days 1,685 sqft
2019-04-01 0 days 1,733 sqft
2019-05-01 0 days 1,685 sqft
2019-06-01 0 days 1,664 sqft
2019-07-01 0 days 1,625 sqft
2019-08-01 0 days 1,653 sqft
2019-09-01 0 days 1,697 sqft
2019-10-01 0 days 1,726 sqft
2019-11-01 0 days 1,671 sqft
2019-12-01 0 days 1,600 sqft
2020-01-01 0 days 1,600 sqft
2020-02-01 0 days 1,552 sqft
2020-03-01 0 days 1,516 sqft
2020-04-01 0 days 1,518 sqft
2020-05-01 0 days 1,596 sqft
2020-06-01 0 days 1,621 sqft
2020-07-01 0 days 1,668 sqft
2020-08-01 0 days 1,564 sqft
2020-09-01 0 days 1,594 sqft
2020-10-01 0 days 1,536 sqft
2020-11-01 0 days 1,446 sqft
2020-12-01 0 days 1,433 sqft
2021-01-01 0 days 1,422 sqft
2021-02-01 0 days 1,480 sqft
2021-03-01 0 days 1,484 sqft
2021-04-01 0 days 1,534 sqft
2021-05-01 0 days 1,552 sqft
2021-06-01 0 days 1,636 sqft
2021-07-01 0 days 1,600 sqft
2021-08-01 0 days 1,661 sqft
2021-09-01 0 days 1,622 sqft
2021-10-01 0 days 1,632 sqft
2021-11-01 0 days 1,562 sqft
2021-12-01 0 days 1,518 sqft
2022-01-01 0 days 1,528 sqft
2022-02-01 0 days 1,417 sqft
2022-03-01 0 days 1,398 sqft
2022-04-01 0 days 1,446 sqft
2022-05-01 0 days 1,446 sqft
Ashtabula's median listing age (time on market) for 2022-05-01 was 0 days.

Ashtabula's median square footage for active listings during the 2022-05-01 period was 1,446 sqft. One year prior, the average listing was 1,552 sqft.