Cambridge Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Cambridge averaged 6.89% 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 6.7% and one month ago for the week of 2025-02-27, the average rate was 7.11%.

    Cambridge's average rate one year ago was 6.94%.

    For refis of the same type during the week of 2025-04-03, the average rate was 6.54%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Cambridge 30 Year Fixed Rate 2025-04-03 6.89%
    Cambridge 30 Year Fixed Rate Refi 2025-04-03 6.54%
    Cambridge 15 Year Fixed Rate 2025-04-03 6.02%
    Cambridge 15 Year Fixed Rate Refi 2025-04-03 6.42%
    Cambridge 30 Year FHA 2025-04-03 6.5%
    Cambridge 30 Year FHA Refi 2025-04-03 6.26%
    Cambridge 30 Year USDA 2025-04-03 6.32%
    Cambridge 30 Year USDA Refi 2025-04-03 6.32%
    Cambridge 30 Year VA 2025-04-03 6.06%
    Cambridge 30 Year VA Refi 2025-04-03 6.06%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Cambridge, OH.

    Cambridge 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 Cambridge, 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
    Peoples Bank 28 6.59% $3,147
    The Huntington National Bank 23 6.95% $4,461
    The Park National Bank 16 6.95% $3,807
    QUICKEN LOANS, LLC 15 6.96% $6,687
    UNITED WHOLESALE MORTGAGE, LLC 12 6.73% $5,772
    The Community Bank 10 7.13% $2,974
    WesBanco 6 7.58% $4,275
    U.S. Bank 6 6.93% $3,711
    Farm Credit Mid-America, ACA 4 7.03% $4,906
    J. VIRGIL, INC. 3 7.29% $4,602
    CROSSCOUNTRY MORTGAGE, LLC 3 6.21% $5,254
    PNC Bank 2 6.06% $2,787
    THE EQUITABLE MORTGAGE CORPORATION 2 7.63% $3,232
    NFM, INC. 2 7.50% $5,853
    UNION HOME MORTGAGE CORP. 2 7.13% $7,033
    PENNYMAC LOAN SERVICES, LLC 2 6.25% $11,141
    NAVY FEDERAL CREDIT UNION 1 6.63% $5,229
    POLARIS HOME FUNDING CORP. 1 6.63% $7,173
    ROYAL UNITED MORTGAGE LLC 1 6.88% $8,334
    Stifel Bank and Trust 1 6.13% $4,075
    The Union Bank Company 1 5.63% $4,095
    Union Savings Bank 1 7.25% $3,046
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 8.99% $6,460
    1ST SIGNATURE LENDING, LLC 1 5.75% $5,694
    WRIGHT-PATT CREDIT UNION, INC. 1 6.25% $6,750
    21ST MORTGAGE CORPORATION 1 9.07% $5,553
    AmRes Corporation 1 7.13% $6,143
    CANOPY MORTGAGE, LLC 1 7.63% $6,969
    CARDINAL FINANCIAL 1 5.25% $5,284
    CHURCHILL MORTGAGE CORPORATION 1 6.50% $4,166
    EQUITY RESOURCES, INC. 1 6.25% $3,465
    Flagstar Bank, FSB 1 6.61% $2,593
    FREEDOM MORTGAGE CORPORATION 1 6.75% $4,725
    Heartland Bank 1 5.88% $2,666
    HOMESIDE FINANCIAL, LLC 1 6.88% $6,047
    HOWARD HANNA FINANCIAL SERVICES, INC. 1 7.00% $4,801
    Ixonia Bank 1 5.88% $5,990
    LOANDEPOT.COM, LLC 1 6.99% $8,495
    MORTGAGE ACCESS CORP. 1 7.13% $7,335
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.88% $4,242

    Cambridge Average Closing Costs & Other Stats

    Cambridge, OH's 40 lenders originated 678 loans during 2024. The total origination value was $92,810,000, with an average loan value of $136,888.

    Cambridge's average closing costs are $4,763.

    The top Cambridge lender as defined by loan originations is Peoples Bank, with 28 loans originated. Their average total fees are $3,147, which is $1,314 lower than the next largest lender, The Huntington National Bank.

    The lowest fee Cambridge lenders (with over 10 loans originated) are The Community Bank ($2,974), Peoples Bank ($3,147), The Park National Bank ($3,807), The Huntington National Bank ($4,461) and UNITED WHOLESALE MORTGAGE, LLC ($5,772).

    The lowest rate Cambridge lenders (with over 10 loans originated) are Peoples Bank (6.59%), UNITED WHOLESALE MORTGAGE, LLC (6.73%), The Park National Bank (6.95%), The Huntington National Bank (6.95%) and QUICKEN LOANS, LLC (6.96%).

    Cambridge, 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 $12,280,000 $12,145,000 -1.1% 13.1%
    Peoples Bank $10,535,000 $9,275,000 -12.0% 10.0%
    FIRST OHIO HOME FINANCE, INC. $9,215,000 $7,715,000 -16.3% 8.3%
    QUICKEN LOANS, LLC $5,965,000 $6,835,000 14.6% 7.4%
    Mortgage Research Center, LLC $2,215,000 $4,165,000 88.0% 4.5%
    WesBanco $2,960,000 $4,165,000 40.7% 4.5%
    The Park National Bank $4,445,000 $3,775,000 -15.1% 4.1%
    UNITED WHOLESALE MORTGAGE, LLC $1,490,000 $3,695,000 148.0% 4.0%
    The Community Bank $4,790,000 $2,715,000 -43.3% 2.9%
    Farm Credit Mid-America, ACA $3,260,000 $2,450,000 -24.8% 2.6%
    CROSSCOUNTRY MORTGAGE, LLC $2,335,000 $1,915,000 -18.0% 2.1%
    U.S. Bank $1,650,000 $1,765,000 7.0% 1.9%
    PENNYMAC LOAN SERVICES, LLC $565,000 $1,690,000 199.1% 1.8%
    J. VIRGIL, INC. $1,635,000 $1,560,000 -4.6% 1.7%
    FREEDOM MORTGAGE CORPORATION $270,000 $1,510,000 459.3% 1.6%
    Ixonia Bank $1,445,000 $1,405,000 -2.8% 1.5%
    PNC Bank $1,860,000 $1,285,000 -30.9% 1.4%
    NFM, INC. $125,000 $1,160,000 828.0% 1.2%
    RUOFF MORTGAGE COMPANY, INC. $975,000 $1,125,000 15.4% 1.2%
    MID AMERICA MORTGAGE, INC. $575,000 $1,090,000 89.6% 1.2%
    Woodsfield Savings Bank $1,510,000 $810,000 -46.4% 0.9%
    LIBERTY HOME MORTGAGE CORPORATION $135,000 $760,000 463.0% 0.8%
    North Valley Bank $65,000 $700,000 976.9% 0.8%
    The Citizens National Bank $1,230,000 $690,000 -43.9% 0.7%
    NEWREZ LLC $665,000 n/a 0.7%
    FIRST COMMUNITY MORTGAGE, INC. $260,000 $660,000 153.8% 0.7%
    EQUITY RESOURCES, INC. $595,000 $585,000 -1.7% 0.6%
    UNION HOME MORTGAGE CORP. $420,000 $550,000 31.0% 0.6%
    Stifel Bank and Trust $525,000 n/a 0.6%
    LOANDEPOT.COM, LLC $430,000 $510,000 18.6% 0.5%
    NAVY FEDERAL CREDIT UNION $710,000 $500,000 -29.6% 0.5%
    Westfield Bank, FSB $455,000 n/a 0.5%
    Peoples State Bank $415,000 n/a 0.4%
    Union Savings Bank $410,000 n/a 0.4%
    21ST MORTGAGE CORPORATION $405,000 n/a 0.4%
    NEW DAY FINANCIAL, LLC $380,000 $405,000 6.6% 0.4%
    AMERISAVE MORTGAGE CORPORATION $565,000 $395,000 -30.1% 0.4%
    GUARANTEED RATE, INC. $385,000 n/a 0.4%
    The First National Bank of McConnelsville $385,000 n/a 0.4%
    Belmont Savings Bank $1,130,000 $370,000 -67.3% 0.4%
    VANDERBILT MORTGAGE AND FINANCE, INC. $295,000 $370,000 25.4% 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $115,000 $350,000 204.3% 0.4%
    Flagstar Bank, FSB $275,000 $345,000 25.5% 0.4%
    POLARIS HOME FUNDING CORP. $165,000 $345,000 109.1% 0.4%
    VILLAGE CAPITAL MORTGAGE $340,000 n/a 0.4%
    CARDINAL FINANCIAL $265,000 $310,000 17.0% 0.3%
    Cornerstone First Mortgage, Inc $285,000 n/a 0.3%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $275,000 n/a 0.3%
    Citizens Bank $265,000 n/a 0.3%
    Equity Prime Mortgage LLC $245,000 n/a 0.3%
    Discover Bank $145,000 $240,000 65.5% 0.3%
    The Commercial and Savings Bank of Millersburg Ohio $235,000 n/a 0.3%
    THE EQUITABLE MORTGAGE CORPORATION $230,000 n/a 0.2%
    Wayne Savings Community Bank $705,000 $225,000 -68.1% 0.2%
    Servion, Inc. $215,000 n/a 0.2%
    TJC Mortgage, Inc. $195,000 $215,000 10.3% 0.2%
    GENEVA FINANCIAL, LLC $210,000 n/a 0.2%
    FIRST COLONY MORTGAGE CORPORATION $205,000 n/a 0.2%
    MORTGAGE ACCESS CORP. $195,000 n/a 0.2%
    MILEND, INC. $185,000 n/a 0.2%
    MOVEMENT MORTGAGE, LLC $65,000 $185,000 184.6% 0.2%
    The Union Bank Company $270,000 $185,000 -31.5% 0.2%
    ROYAL UNITED MORTGAGE LLC $95,000 $180,000 89.5% 0.2%
    WRIGHT-PATT CREDIT UNION, INC. $175,000 n/a 0.2%
    LONGBRIDGE FINANCIAL, LLC $165,000 n/a 0.2%
    AmRes Corporation $155,000 n/a 0.2%
    Heartland Bank $155,000 n/a 0.2%
    JPMorgan Chase Bank $715,000 $155,000 -78.3% 0.2%
    LENDINGHOME FUNDING CORPORATION $150,000 n/a 0.2%
    CHURCHILL MORTGAGE CORPORATION $145,000 n/a 0.2%
    SOUTHPOINT FINANCIAL SERVICES, INC. $145,000 n/a 0.2%
    Unified Bank $125,000 $145,000 16.0% 0.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $720,000 $140,000 -80.6% 0.2%
    EMM LOANS LLC $135,000 n/a 0.1%
    T2 FINANCIAL LLC $135,000 n/a 0.1%
    HOMESIDE FINANCIAL, LLC $125,000 n/a 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $125,000 n/a 0.1%
    PLANET HOME LENDING, LLC $125,000 n/a 0.1%
    TOP FLITE FINANCIAL, INC. $115,000 $125,000 8.7% 0.1%
    SIWELL, INC. $115,000 n/a 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $105,000 n/a 0.1%
    Third Federal Savings and Loan Association of Cleveland $105,000 n/a 0.1%
    CANOPY MORTGAGE, LLC $95,000 n/a 0.1%
    KEMBA FINANCIAL $95,000 n/a 0.1%
    Wells Fargo Bank $90,000 n/a 0.1%
    1ST SIGNATURE LENDING, LLC $85,000 n/a 0.1%
    Community Bank of Parkersburg $85,000 n/a 0.1%
    LENDINGONE, LLC $85,000 n/a 0.1%
    PROPONENT Federal Credit Union $75,000 $85,000 13.3% 0.1%
    BROKER SOLUTIONS, INC. $460,000 $75,000 -83.7% 0.1%
    HOWARD HANNA FINANCIAL SERVICES, INC. $75,000 n/a 0.1%
    Coastal Community Bank $115,000 $65,000 -43.5% 0.1%
    Carrington Mortgage Services, LLC $55,000 n/a 0.1%
    Figure Lending LLC $65,000 $40,000 -38.5% 0.0%
    INOVA FEDERAL CREDIT UNION $35,000 n/a 0.0%
    CREDIT UNION OF OHIO $25,000 n/a 0.0%
    LAKEVIEW LOAN SERVICING, LLC $25,000 n/a 0.0%
    Seven Seventeen Credit Union $25,000 n/a 0.0%
    SPRING EQ, LLC $105,000 $25,000 -76.2% 0.0%

    Cambridge's top lender by overall market share is The Huntington National Bank, with 13.1% market share. In second place, with 10.0%, is Peoples Bank, having originated $9,275,000 in loans. In third place, with 8.3%, is FIRST OHIO HOME FINANCE, INC., having originated $7,715,000 in loans. In fourth place, with 7.4%, is QUICKEN LOANS, LLC, having originated $6,835,000 in loans. In fifth place, with 4.5%, is Mortgage Research Center, LLC, having originated $4,165,000 in loans.

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

    Realtor.com - Cambridge (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 $120,925 (15.8%) $173,800 (20.1%) 0.00 137
    2018-02-01 $109,000 (-4.3%) $168,758 (14.5%) 0.00 145
    2018-03-01 $107,500 (-3.5%) $168,398 (13.1%) 0.00 144
    2018-04-01 $109,700 (-7.4%) $177,276 (13.4%) 0.00 145
    2018-05-01 $122,475 (1.9%) $186,050 (18.3%) 0.00 150
    2018-06-01 $111,450 (-4.8%) $182,630 (15.7%) 0.00 146
    2018-07-01 $125,475 (14.2%) $181,820 (18.3%) 0.00 158
    2018-08-01 $125,425 (7.2%) $182,235 (12.6%) 0.00 164
    2018-09-01 $127,400 (6.3%) $180,973 (6.2%) 0.00 167
    2018-10-01 $137,175 (19.3%) $181,618 (5.5%) 0.00 175
    2018-11-01 $119,975 (9.2%) $176,040 (7.5%) 0.00 172
    2018-12-01 $118,000 (5.0%) $174,154 (2.7%) 0.00 154
    2019-01-01 $126,925 (5.0%) $176,438 (1.5%) 0.00 145
    2019-02-01 $137,400 (26.1%) $182,341 (8.1%) 0.00 134
    2019-03-01 $139,900 (30.1%) $192,667 (14.4%) 0.00 130
    2019-04-01 $140,550 (28.1%) $203,707 (14.9%) 0.00 127
    2019-05-01 $149,825 (22.3%) $218,105 (17.2%) 0.00 130
    2019-06-01 $145,000 (30.1%) $209,848 (14.9%) 0.00 160
    2019-07-01 $140,550 (12.0%) $207,638 (14.2%) 0.00 165
    2019-08-01 $142,900 (13.9%) $209,942 (15.2%) 0.00 171
    2019-09-01 $142,900 (12.2%) $213,880 (18.2%) 0.00 178
    2019-10-01 $141,200 (2.9%) $218,857 (20.5%) 0.00 183
    2019-11-01 $142,900 (19.1%) $232,216 (31.9%) 0.00 174
    2019-12-01 $136,325 (15.5%) $219,872 (26.3%) 0.00 158
    2020-01-01 $139,900 (10.2%) $233,264 (32.2%) 0.00 124
    2020-02-01 $139,900 (1.8%) $249,337 (36.7%) 0.00 105
    2020-03-01 $158,250 (13.1%) $251,893 (30.7%) 0.00 91
    2020-04-01 $159,900 (13.8%) $250,726 (23.1%) 0.00 94
    2020-05-01 $165,000 (10.1%) $261,343 (19.8%) 0.00 93
    2020-06-01 $143,650 (-0.9%) $233,157 (11.1%) 0.00 99
    2020-07-01 $141,950 (1.0%) $224,689 (8.2%) 0.00 97
    2020-08-01 $122,450 (-14.3%) $197,497 (-5.9%) 0.00 94
    2020-09-01 $131,500 (-8.0%) $198,236 (-7.3%) 0.00 97
    2020-10-01 $147,000 (4.1%) $196,885 (-10.0%) 0.00 99
    2020-11-01 $149,675 (4.7%) $193,791 (-16.6%) 0.00 90
    2020-12-01 $167,050 (22.5%) $198,390 (-9.8%) 0.00 78
    2021-01-01 $174,000 (24.4%) $199,377 (-14.5%) 0.00 65
    2021-02-01 $181,175 (29.5%) $204,358 (-18.0%) 0.00 60
    2021-03-01 $172,200 (8.8%) $213,830 (-15.1%) 0.00 51
    2021-04-01 $172,450 (7.9%) $227,090 (-9.4%) 0.00 45
    2021-05-01 $189,900 (15.1%) $243,761 (-6.7%) 0.00 37
    2021-06-01 $161,175 (12.2%) $235,026 (0.8%) 0.00 44
    2021-07-01 $194,900 (37.3%) $334,905 (49.1%) 0.00 42
    2021-08-01 $185,950 (51.9%) $315,741 (59.9%) 0.00 53
    2021-09-01 $176,950 (34.6%) $298,437 (50.6%) 0.00 65
    2021-10-01 $184,900 (25.8%) $294,481 (49.6%) 0.00 69
    2021-11-01 $179,975 (20.2%) $286,687 (47.9%) 0.00 77
    2021-12-01 $181,250 (8.5%) $296,874 (49.6%) 0.00 66
    2022-01-01 $179,999 (3.5%) $310,371 (55.7%) 0.00 59
    2022-02-01 $163,950 (-9.5%) $295,247 (44.5%) 0.00 58
    2022-03-01 $219,250 (27.3%) $301,478 (41.0%) 0.00 61
    2022-04-01 $204,950 (18.9%) $300,317 (32.3%) 0.00 57
    2022-05-01 $226,175 (19.1%) $315,960 (29.6%) 0.00 51
    2022-06-01 $195,175 (21.1%) $285,095 (21.3%) 0.00 60
    2022-07-01 $170,000 (-12.8%) $270,013 (-19.4%) 0.00 72
    2022-08-01 $180,900 (-2.7%) $272,123 (-13.8%) 0.00 82
    2022-09-01 $202,172 (14.3%) $284,659 (-4.6%) 0.00 99
    2022-10-01 $199,900 (8.1%) $282,095 (-4.2%) 0.00 90
    2022-11-01 $204,700 (13.7%) $237,705 (-17.1%) 0.00 83
    2022-12-01 $197,250 (8.8%) $225,983 (-23.9%) 0.00 82
    2023-01-01 $198,600 (10.3%) $223,863 (-27.9%) 0.00 80
    2023-02-01 $225,000 (37.2%) $240,416 (-18.6%) 0.00 71
    2023-03-01 $226,111 (3.1%) $249,639 (-17.2%) 0.00 71
    2023-04-01 $219,900 (7.3%) $250,026 (-16.8%) 0.00 76
    2023-05-01 $210,625 (-6.9%) $247,195 (-21.8%) 0.00 62
    2023-06-01 $208,750 (7.0%) $256,745 (-9.9%) 0.00 53
    2023-07-01 $199,700 (17.5%) $287,159 (6.4%) 0.00 48
    2023-08-01 $161,700 (-10.6%) $281,791 (3.6%) 0.00 50
    2023-09-01 $179,950 (-11.0%) $302,466 (6.3%) 0.00 54
    2023-10-01 $185,000 (-7.5%) $308,437 (9.3%) 0.00 61
    2023-11-01 $199,864 (-2.4%) $296,821 (24.9%) 0.00 65
    2023-12-01 $185,000 (-6.2%) $275,564 (21.9%) 0.00 65
    2024-01-01 $171,950 (-13.4%) $257,133 (14.9%) 0.00 64
    2024-02-01 $188,975 (-16.0%) $279,235 (16.2%) 0.00 64
    2024-03-01 $199,900 (-11.6%) $261,296 (4.7%) 0.00 69
    2024-04-01 $192,950 (-12.3%) $247,481 (-1.0%) 0.00 72
    2024-05-01 $204,600 (-2.9%) $257,741 (4.3%) 0.00 80
    2024-06-01 $235,000 (12.6%) $261,881 (2.0%) 0.00 86
    2024-07-01 $202,000 (1.2%) $249,203 (-13.2%) 0.00 110
    2024-08-01 $187,250 (15.8%) $250,344 (-11.2%) 0.00 118
    2024-09-01 $197,000 (9.5%) $254,647 (-15.8%) 0.00 111
    2024-10-01 $189,550 (2.5%) $255,737 (-17.1%) 0.00 114
    2024-11-01 $194,250 (-2.8%) $251,814 (-15.2%) 0.00 118
    2024-12-01 $219,475 (18.6%) $255,510 (-7.3%) 0.00 110
    2025-01-01 $219,000 (27.4%) $254,721 (-0.9%) 0.00 104
    2025-02-01 $229,450 (21.4%) $266,686 (-4.5%) 0.00 79
    2025-03-01 $222,400 (11.3%) $256,104 (-2.0%) 0.00 76
    Cambridge's median listing price for 2025-03-01 was $222,400, a difference of $22,500 (11.3%) versus the prior year and $-7,050 versus the prior month.

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

    Cambridge's average listing price for 2025-03-01 was $256,104, a difference of $-5,192 (-2.0%) versus the prior year and $-10,582 versus the prior month.

    For the 2025-03-01 period, Cambridge had 76 MLS listings, a difference of -3 listings (-4%) versus the prior month and 7 listings (10%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Cambridge (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,536 sqft
    2018-02-01 0 days 1,464 sqft
    2018-03-01 0 days 1,471 sqft
    2018-04-01 0 days 1,469 sqft
    2018-05-01 0 days 1,491 sqft
    2018-06-01 0 days 1,499 sqft
    2018-07-01 0 days 1,713 sqft
    2018-08-01 0 days 1,694 sqft
    2018-09-01 0 days 1,704 sqft
    2018-10-01 0 days 1,679 sqft
    2018-11-01 0 days 1,680 sqft
    2018-12-01 0 days 1,697 sqft
    2019-01-01 0 days 1,793 sqft
    2019-02-01 0 days 1,832 sqft
    2019-03-01 0 days 1,819 sqft
    2019-04-01 0 days 1,771 sqft
    2019-05-01 0 days 1,610 sqft
    2019-06-01 0 days 1,598 sqft
    2019-07-01 0 days 1,708 sqft
    2019-08-01 0 days 1,740 sqft
    2019-09-01 0 days 1,761 sqft
    2019-10-01 0 days 1,776 sqft
    2019-11-01 0 days 1,764 sqft
    2019-12-01 0 days 1,720 sqft
    2020-01-01 0 days 1,699 sqft
    2020-02-01 0 days 1,724 sqft
    2020-03-01 0 days 1,834 sqft
    2020-04-01 0 days 1,858 sqft
    2020-05-01 0 days 1,900 sqft
    2020-06-01 0 days 1,746 sqft
    2020-07-01 0 days 1,703 sqft
    2020-08-01 0 days 1,657 sqft
    2020-09-01 0 days 1,680 sqft
    2020-10-01 0 days 1,661 sqft
    2020-11-01 0 days 1,776 sqft
    2020-12-01 0 days 1,757 sqft
    2021-01-01 0 days 1,800 sqft
    2021-02-01 0 days 1,969 sqft
    2021-03-01 0 days 1,776 sqft
    2021-04-01 0 days 1,556 sqft
    2021-05-01 0 days 1,752 sqft
    2021-06-01 0 days 1,679 sqft
    2021-07-01 0 days 2,000 sqft
    2021-08-01 0 days 1,805 sqft
    2021-09-01 0 days 1,824 sqft
    2021-10-01 0 days 1,897 sqft
    2021-11-01 0 days 1,856 sqft
    2021-12-01 0 days 1,830 sqft
    2022-01-01 0 days 1,831 sqft
    2022-02-01 0 days 1,902 sqft
    2022-03-01 0 days 2,030 sqft
    2022-04-01 0 days 2,008 sqft
    2022-05-01 0 days 2,021 sqft
    2022-06-01 0 days 1,948 sqft
    2022-07-01 0 days 1,920 sqft
    2022-08-01 0 days 1,910 sqft
    2022-09-01 0 days 1,862 sqft
    2022-10-01 0 days 1,767 sqft
    2022-11-01 0 days 1,651 sqft
    2022-12-01 0 days 1,574 sqft
    2023-01-01 0 days 1,742 sqft
    2023-02-01 0 days 1,969 sqft
    2023-03-01 0 days 1,940 sqft
    2023-04-01 0 days 1,804 sqft
    2023-05-01 0 days 1,866 sqft
    2023-06-01 0 days 1,669 sqft
    2023-07-01 0 days 1,693 sqft
    2023-08-01 0 days 1,565 sqft
    2023-09-01 0 days 1,664 sqft
    2023-10-01 0 days 1,580 sqft
    2023-11-01 0 days 1,679 sqft
    2023-12-01 0 days 1,632 sqft
    2024-01-01 0 days 1,568 sqft
    2024-02-01 0 days 1,662 sqft
    2024-03-01 0 days 1,672 sqft
    2024-04-01 0 days 1,629 sqft
    2024-05-01 0 days 1,691 sqft
    2024-06-01 0 days 1,776 sqft
    2024-07-01 0 days 1,759 sqft
    2024-08-01 0 days 1,666 sqft
    2024-09-01 0 days 1,706 sqft
    2024-10-01 0 days 1,640 sqft
    2024-11-01 0 days 1,633 sqft
    2024-12-01 0 days 1,633 sqft
    2025-01-01 0 days 1,673 sqft
    2025-02-01 0 days 1,847 sqft
    2025-03-01 0 days 1,648 sqft
    Cambridge's median listing age (time on market) for 2025-03-01 was 0 days.

    Cambridge's median square footage for active listings during the 2025-03-01 period was 1,648 sqft. One year prior, the average listing was 1,672 sqft.

    Cambridge, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 323 $53,625,000 $166,022
    Cash Out Refi 101 $12,485,000 $123,614
    Refi 92 $13,930,000 $151,413
    Other 81 $6,475,000 $79,938
    Home Improvement 80 $6,230,000 $77,875
    NA 1 $65,000 $65,000

    Cambridge's most frequently cited loan purpose was Home Purchase, with 323 originations. The 2nd most popular reason was Cash Out Refi, with 101 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 207 $35,515,000 $171,570
    Over 8% 202 $15,960,000 $79,010
    7-8% 157 $21,845,000 $139,140
    5-6% 65 $12,095,000 $186,077
    3-4% 15 $1,645,000 $109,667
    4-5% 4 $870,000 $217,500
    2.5-3% 1 $35,000 $35,000

    During 2024, Cambridge's most frequently originated rate bucket was 6-7%, with 207 originations.

    Loan Sizing (Cambridge, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 274 $39,700,000 $144,891
    $100,000 or less 272 $16,100,000 $59,191
    $200k-400k 120 $31,140,000 $259,500
    $400k-600k 11 $5,105,000 $464,091
    $600k-1000k 1 $765,000 $765,000

    Cambridge's loan sizing saw the bucket of loans from $100k-200k with 274 originations, totaling $39,700,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 268 $47,660,000 $177,836
    60-80% 115 $17,185,000 $149,435
    20-40% 114 $8,980,000 $78,772
    Under 20% 69 $2,435,000 $35,290
    40-60% 68 $8,120,000 $119,412
    Over 100% 4 $920,000 $230,000

    Cambridge's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 268 originations, totaling $47,660,000 in origination value.