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 6.87% for the week of 2024-04-11, compared to the national average of 6.88% for the same period.

The average rate for the prior week (2024-04-04) was 6.91% and one month ago for the week of 2024-03-07, the average rate was 6.87%.

Ashtabula's average rate one year ago was 6.47%.

For refis of the same type during the week of 2024-04-11, the average rate was 7.48%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-04-11 6.88%
Ashtabula 30 Year Fixed Rate 2024-04-11 6.87%
Ashtabula 30 Year Fixed Rate Refi 2024-04-11 7.48%
Ashtabula 15 Year Fixed Rate 2024-04-11 6.06%
Ashtabula 15 Year Fixed Rate Refi 2024-04-11 6.66%
Ashtabula 30 Year FHA 2024-04-11 6.91%
Ashtabula 30 Year FHA Refi 2024-04-11 6.84%
Ashtabula 30 Year USDA 2024-04-11 6.51%
Ashtabula 30 Year USDA Refi 2024-04-11 6.81%
Ashtabula 30 Year VA 2024-04-11 7.04%
Ashtabula 30 Year VA Refi 2024-04-11 6.67%
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.