Cambridge Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Cambridge averaged 6.87% for the week of 2023-03-16, compared to the national average of 6.6% for the same period.

The average rate for the prior week (2023-03-09) was 7% and one month ago for the week of 2023-02-09, the average rate was 6.29%.

Cambridge's average rate one year ago was 4.42%.

For refis of the same type during the week of 2023-03-16, the average rate was 6.73%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-03-16 6.6%
Cambridge 30 Year Fixed Rate 2023-03-16 6.87%
Cambridge 30 Year Fixed Rate Refi 2023-03-16 6.73%
Cambridge 15 Year Fixed Rate 2023-03-16 6.78%
Cambridge 15 Year Fixed Rate Refi 2023-03-16 6.16%
Cambridge 30 Year FHA 2023-03-16 6.58%
Cambridge 30 Year FHA Refi 2023-03-16 6.38%
Cambridge 30 Year USDA 2023-03-16 7.06%
Cambridge 30 Year USDA Refi 2023-03-16 6.22%
Cambridge 30 Year VA 2023-03-16 6.42%
Cambridge 30 Year VA Refi 2023-03-16 5.88%
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 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
Peoples Bank 47 3.34% $2,495
The Huntington National Bank 40 3.19% $3,778
The Park National Bank 33 3.37% $3,146
The Community Bank 31 3.13% $2,802
QUICKEN LOANS, LLC 30 3.28% $4,889
Farm Credit Mid-America, ACA 14 3.51% $6,462
UNION HOME MORTGAGE CORP. 10 3.01% $3,799
U.S. Bank 9 3.36% $3,279
PNC Bank 8 3.19% $3,515
WesBanco Bank, Inc. 6 2.98% $4,835
RAPID MORTGAGE COMPANY 6 3.19% $5,917
LOANDEPOT.COM, LLC 6 3.29% $5,357
BETTER MORTGAGE CORPORATION 4 3.09% $3,585
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 3.31% $6,230
HOMESIDE FINANCIAL, LLC 4 2.99% $3,531
JPMorgan Chase Bank 4 3.03% $4,276
AMERISAVE MORTGAGE CORPORATION 3 2.67% $5,070
POLARIS HOME FUNDING CORP. 3 3.17% $3,473
J. VIRGIL, INC. 3 3.46% $3,693
CALIBER HOME LOANS, INC. 3 3.18% $4,292
The Farmers National Bank of Canfield 3 3.71% $4,057
Union Savings Bank 2 3.13% $2,920
UNITED WHOLESALE MORTGAGE, LLC 2 3.26% $3,918
LENDUS, LLC 2 3.44% $3,751
RUOFF MORTGAGE COMPANY, INC. 2 3.06% $2,055
MID AMERICA MORTGAGE, INC. 2 3.06% $2,674
ROYAL UNITED MORTGAGE LLC 2 3.25% $5,805
Fifth Third Bank 2 3.63% $3,350
NAVY FEDERAL CREDIT UNION 2 3.81% $2,323
First Federal Bank of the Midwest 2 3.19% $2,952
Bank of America 2 3.00% $2,788
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 3.31% $4,189
PENTAGON FEDERAL CREDIT UNION 2 2.63% $1,932
NFM, INC. 1 3.88% $4,950
AmeriHome Mortgage Company, LLC 1 3.00% $4,436
BROKER SOLUTIONS, INC. 1 4.00% $5,632
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 2.88% $1,945
Carrington Mortgage Services, LLC 1 3.25% $3,431
Civista Bank 1 2.50% $2,366
Discover Bank 1 4.25% $0
First Federal Savings and Loan Association 1 3.00% $2,892
First Federal Savings and Loan Association of Lakewood 1 3.00% $3,274
Flagstar Bank, FSB 1 2.75% $2,816
LIBERTY HOME MORTGAGE CORPORATION 1 3.99% $1,221
LOANPAL, LLC 1 3.50% $2,155
MUTUAL OF OMAHA MORTGAGE, INC. 1 2.75% $6,096
NATIONS DIRECT MORTGAGE, LLC 1 2.88% $5,473
AMERICAN FINANCING CORPORATION 1 3.25% $3,418
Northpointe Bank 1 3.75% $3,207
OHIO VALLEY COMMUNITY FEDERAL CREDIT UNION 1 5.75% $2,342
PENNYMAC LOAN SERVICES, LLC 1 2.87% $3,474
RELIANCE FIRST CAPITAL, LLC 1 2.99% $3,953
RESIDENTIAL BANCORP. 1 3.38% $3,983
RESIDENTIAL MORTGAGE SERVICES, INC. 1 3.25% $3,861
SOUTHPOINT FINANCIAL SERVICES, INC. 1 3.25% $6,444
SUN WEST MORTGAGE COMPANY, INC. 1 2.75% $3,265
Third Federal Savings and Loan Association of Cleveland 1 2.99% $3,465
TIAA, FSB 1 2.75% $5,113

Cambridge Average Closing Costs & Other Stats

Cambridge, OH's 58 lenders originated 1,131 loans during 2021. The total origination value was $155,785,000, with an average loan value of $137,741.

Cambridge's average closing costs are $4,301.

The top Cambridge lender as defined by loan originations is Peoples Bank, with 47 loans originated. Their average total fees are $2,495, which is $1,283 lower than the next largest lender, The Huntington National Bank.

The lowest fee Cambridge lenders (with over 10 loans originated) are Peoples Bank ($2,495), The Community Bank ($2,802), The Park National Bank ($3,146), The Huntington National Bank ($3,778) and UNION HOME MORTGAGE CORP. ($3,799).

The lowest rate Cambridge lenders (with over 10 loans originated) are UNION HOME MORTGAGE CORP. (3.01%), The Community Bank (3.13%), The Huntington National Bank (3.19%), QUICKEN LOANS, LLC (3.28%) and Peoples Bank (3.34%).

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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
The Huntington National Bank $16,190,000 $19,705,000 21.7% 12.6%
Peoples Bank $17,570,000 $15,235,000 -13.3% 9.8%
QUICKEN LOANS, LLC $12,325,000 $12,925,000 4.9% 8.3%
The Park National Bank $17,965,000 $11,010,000 -38.7% 7.1%
The Community Bank $9,110,000 $10,705,000 17.5% 6.9%
FIRST OHIO HOME FINANCE, INC. $10,575,000 $9,270,000 -12.3% 6.0%
U.S. Bank $6,230,000 $7,200,000 15.6% 4.6%
Farm Credit Mid-America, ACA $6,685,000 $6,465,000 -3.3% 4.1%
MID AMERICA MORTGAGE, INC. $3,330,000 $5,315,000 59.6% 3.4%
WesBanco Bank, Inc. $4,490,000 $3,925,000 -12.6% 2.5%
PNC Bank $3,260,000 $3,585,000 10.0% 2.3%
UNION HOME MORTGAGE CORP. $3,095,000 $2,895,000 -6.5% 1.9%
J. VIRGIL, INC. $1,640,000 $2,425,000 47.9% 1.6%
LOANDEPOT.COM, LLC $1,485,000 $1,845,000 24.2% 1.2%
Mortgage Research Center, LLC $2,590,000 $1,820,000 -29.7% 1.2%
FREEDOM MORTGAGE CORPORATION $2,395,000 $1,720,000 -28.2% 1.1%
RAPID MORTGAGE COMPANY $115,000 $1,680,000 1,360.9% 1.1%
CROSSCOUNTRY MORTGAGE, LLC $210,000 $1,560,000 642.9% 1.0%
AMERISAVE MORTGAGE CORPORATION $220,000 $1,475,000 570.5% 0.9%
NEW DAY FINANCIAL, LLC $580,000 $1,370,000 136.2% 0.9%
RUOFF MORTGAGE COMPANY, INC. $1,330,000 n/a 0.9%
UNITED WHOLESALE MORTGAGE, LLC $820,000 $1,170,000 42.7% 0.8%
CALIBER HOME LOANS, INC. $485,000 $1,130,000 133.0% 0.7%
North Valley Bank $560,000 $1,070,000 91.1% 0.7%
POLARIS HOME FUNDING CORP. $785,000 $1,015,000 29.3% 0.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $700,000 $980,000 40.0% 0.6%
Woodsfield Savings Bank $1,005,000 $960,000 -4.5% 0.6%
Hometown Lenders, Inc. $1,215,000 $835,000 -31.3% 0.5%
BETTER MORTGAGE CORPORATION $135,000 $830,000 514.8% 0.5%
Union Savings Bank $255,000 $830,000 225.5% 0.5%
NAVY FEDERAL CREDIT UNION $1,245,000 $785,000 -36.9% 0.5%
The Farmers National Bank of Canfield $125,000 $785,000 528.0% 0.5%
LENDUS, LLC $490,000 $770,000 57.1% 0.5%
Belmont Savings Bank $95,000 $715,000 652.6% 0.5%
VANDERBILT MORTGAGE AND FINANCE, INC. $395,000 $660,000 67.1% 0.4%
LIBERTY HOME MORTGAGE CORPORATION $670,000 $655,000 -2.2% 0.4%
PRIMARY RESIDENTIAL MORTGAGE, INC. $655,000 n/a 0.4%
USAA Federal Savings Bank $125,000 $635,000 408.0% 0.4%
HOMESIDE FINANCIAL, LLC $810,000 $625,000 -22.8% 0.4%
CALCON MUTUAL MORTGAGE LLC $570,000 n/a 0.4%
PENNYMAC LOAN SERVICES, LLC $325,000 $565,000 73.8% 0.4%
JPMorgan Chase Bank $925,000 $555,000 -40.0% 0.4%
Bank of America $150,000 $545,000 263.3% 0.3%
LAKEVIEW LOAN SERVICING, LLC $535,000 n/a 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $185,000 $535,000 189.2% 0.3%
AMERICAN FINANCING CORPORATION $515,000 n/a 0.3%
First Federal Bank of the Midwest $115,000 $505,000 339.1% 0.3%
BROKER SOLUTIONS, INC. $95,000 $485,000 410.5% 0.3%
CELEBRITY HOME LOANS, LLC $455,000 n/a 0.3%
Unified Bank $455,000 n/a 0.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $245,000 $440,000 79.6% 0.3%
SUN WEST MORTGAGE COMPANY, INC. $285,000 $435,000 52.6% 0.3%
NP, Inc. $135,000 $380,000 181.5% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $545,000 $380,000 -30.3% 0.2%
Mr. Cooper ( Nationstar Mortgage ) $640,000 $365,000 -43.0% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $530,000 $360,000 -32.1% 0.2%
CityWorth Mortgage LLC $355,000 n/a 0.2%
NEWREZ LLC $665,000 $330,000 -50.4% 0.2%
PENTAGON FEDERAL CREDIT UNION $325,000 n/a 0.2%
Nations Lending Corporation $430,000 $320,000 -25.6% 0.2%
GUARANTEED RATE, INC. $315,000 n/a 0.2%
NATIONS DIRECT MORTGAGE, LLC $315,000 n/a 0.2%
Northpointe Bank $315,000 n/a 0.2%
First Guaranty Mortgage Corporation $310,000 n/a 0.2%
MORTGAGE SOLUTIONS OF COLORADO, LLC $585,000 $300,000 -48.7% 0.2%
Carrington Mortgage Services, LLC $290,000 $295,000 1.7% 0.2%
TOWNE MORTGAGE COMPANY $230,000 n/a 0.1%
The Federal Savings Bank $235,000 $225,000 -4.3% 0.1%
Third Federal Savings and Loan Association of Cleveland $220,000 n/a 0.1%
First Federal Savings and Loan Association $175,000 $210,000 20.0% 0.1%
AmeriHome Mortgage Company, LLC $205,000 n/a 0.1%
DEVELOPER'S MORTGAGE COMPANY $195,000 n/a 0.1%
CLEARPATH LENDING $185,000 n/a 0.1%
Magnolia Bank $1,170,000 $185,000 -84.2% 0.1%
RESIDENTIAL MORTGAGE SERVICES, INC. $135,000 $185,000 37.0% 0.1%
SOUTHWEST STAGE FUNDING, LLC $220,000 $185,000 -15.9% 0.1%
ROYAL UNITED MORTGAGE LLC $320,000 $180,000 -43.8% 0.1%
Flagstar Bank, FSB $620,000 $170,000 -72.6% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $225,000 $165,000 -26.7% 0.1%
First Federal Savings and Loan Association of Lakewood $165,000 n/a 0.1%
Civista Bank $280,000 $155,000 -44.6% 0.1%
HOME POINT FINANCIAL CORPORATION $460,000 $155,000 -66.3% 0.1%
MYCUMORTGAGE, LLC $195,000 $155,000 -20.5% 0.1%
OCEANSIDE MORTGAGE COMPANY $230,000 $145,000 -37.0% 0.1%
TIAA, FSB $145,000 n/a 0.1%
LOANPAL, LLC $135,000 n/a 0.1%
SOFI LENDING CORP. $135,000 n/a 0.1%
LENDINGHOME FUNDING CORPORATION $125,000 n/a 0.1%
Discover Bank $100,000 $120,000 20.0% 0.1%
InterContinental Capital Group, Inc $615,000 $115,000 -81.3% 0.1%
Manufacturers and Traders Trust Company $115,000 n/a 0.1%
NFM, INC. $145,000 $115,000 -20.7% 0.1%
PLANET HOME LENDING, LLC $75,000 $115,000 53.3% 0.1%
RESIDENTIAL BANCORP. $115,000 n/a 0.1%
SOUTHPOINT FINANCIAL SERVICES, INC. $115,000 n/a 0.1%
AMERICAN FINANCIAL NETWORK, INC. $155,000 $105,000 -32.3% 0.1%
Independent Bank $305,000 $105,000 -65.6% 0.1%
RELIANCE FIRST CAPITAL, LLC $245,000 $105,000 -57.1% 0.1%
Ohio Catholic Federal Credit Union $95,000 n/a 0.1%
Pathways Financial Credit Union, Inc. $95,000 n/a 0.1%
T2 FINANCIAL LLC $485,000 $95,000 -80.4% 0.1%
Fifth Third Bank $35,000 $90,000 157.1% 0.1%
Ixonia Bank $85,000 n/a 0.1%
OHIO VALLEY COMMUNITY FEDERAL CREDIT UNION $285,000 $85,000 -70.2% 0.1%
21ST MORTGAGE CORPORATION $75,000 n/a 0.0%
Centier Bank $75,000 n/a 0.0%
SIGNATURE MORTGAGE CORPORATION $75,000 n/a 0.0%
Figure Lending LLC $65,000 $65,000 0.0% 0.0%
Hometown Equity Mortgage, LLC $65,000 n/a 0.0%
Truist Bank $410,000 $45,000 -89.0% 0.0%
Heartland Bank $35,000 n/a 0.0%

Cambridge's top lender by overall market share is The Huntington National Bank, with 12.6% market share. In second place, with 9.8%, is Peoples Bank, having originated $15,235,000 in loans. In third place, with 8.3%, is QUICKEN LOANS, LLC, having originated $12,925,000 in loans. In fourth place, with 7.1%, is The Park National Bank, having originated $11,010,000 in loans. In fifth place, with 6.9%, is The Community Bank, having originated $10,705,000 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%) $204,199 (15.2%) 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 (22.8%) 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
Cambridge's median listing price for 2023-02-01 was $225,000, a difference of $61,050 (37.2%) versus the prior year and $26,400 versus the prior month.

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

Cambridge's average listing price for 2023-02-01 was $240,416, a difference of $-54,831 (-18.6%) versus the prior year and $16,553 versus the prior month.

For the 2023-02-01 period, Cambridge had 71 MLS listings, a difference of -9 listings (-11%) versus the prior month and 13 listings (22%) 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 1,539 sqft
2018-02-01 0 days 1,478 sqft
2018-03-01 0 days 1,477 sqft
2018-04-01 0 days 1,469 sqft
2018-05-01 0 days 1,493 sqft
2018-06-01 0 days 1,498 sqft
2018-07-01 0 days 1,703 sqft
2018-08-01 0 days 1,672 sqft
2018-09-01 0 days 1,685 sqft
2018-10-01 0 days 1,652 sqft
2018-11-01 0 days 1,655 sqft
2018-12-01 0 days 1,679 sqft
2019-01-01 0 days 1,772 sqft
2019-02-01 0 days 1,799 sqft
2019-03-01 0 days 1,792 sqft
2019-04-01 0 days 1,770 sqft
2019-05-01 0 days 1,606 sqft
2019-06-01 0 days 1,616 sqft
2019-07-01 0 days 1,708 sqft
2019-08-01 0 days 1,731 sqft
2019-09-01 0 days 1,758 sqft
2019-10-01 0 days 1,775 sqft
2019-11-01 0 days 1,776 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 1,824 sqft
2020-04-01 0 days 1,849 sqft
2020-05-01 0 days 1,886 sqft
2020-06-01 0 days 1,727 sqft
2020-07-01 0 days 1,696 sqft
2020-08-01 0 days 1,657 sqft
2020-09-01 0 days 1,682 sqft
2020-10-01 0 days 1,664 sqft
2020-11-01 0 days 1,776 sqft
2020-12-01 0 days 1,759 sqft
2021-01-01 0 days 1,800 sqft
2021-02-01 0 days 1,969 sqft
2021-03-01 0 days 1,788 sqft
2021-04-01 0 days 1,563 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 1,819 sqft
2021-10-01 0 days 1,897 sqft
2021-11-01 0 days 1,854 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 1,933 sqft
2022-08-01 0 days 1,920 sqft
2022-09-01 0 days 1,875 sqft
2022-10-01 0 days 1,773 sqft
2022-11-01 0 days 1,680 sqft
2022-12-01 0 days 1,603 sqft
2023-01-01 0 days 1,742 sqft
2023-02-01 0 days 1,969 sqft
Cambridge's median listing age (time on market) for 2023-02-01 was 0 days.

Cambridge's median square footage for active listings during the 2023-02-01 period was 1,969 sqft. One year prior, the average listing was 1,902 sqft.

Cambridge, OH Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 438 $70,310,000 $160,525
Refi 333 $47,515,000 $142,688
Cash Out Refi 213 $28,285,000 $132,793
Home Improvement 91 $5,715,000 $62,802
Other 56 $3,960,000 $70,714

Cambridge's most frequently cited loan purpose was Home Purchase, with 438 originations. The 2nd most popular reason was Refi, with 333 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 525 $72,545,000 $138,181
2.5-3% 331 $51,035,000 $154,184
<2.5% 134 $19,250,000 $143,657
4-5% 62 $6,790,000 $109,516
5-6% 32 $1,610,000 $50,313
6-7% 12 $670,000 $55,833
Over 8% 8 $450,000 $56,250
7-8% 4 $140,000 $35,000

During 2021, Cambridge's most frequently originated rate bucket was 3-4%, with 525 originations.

Loan Sizing (Cambridge, OH MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 480 $68,340,000 $142,375
$100,000 or less 433 $28,115,000 $64,931
$200k-400k 204 $52,360,000 $256,667
$400k-600k 12 $5,540,000 $461,667
$600k-1000k 2 $1,430,000 $715,000

Cambridge's loan sizing saw the bucket of loans from $100k-200k with 480 originations, totaling $68,340,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 435 $69,495,000 $159,759
60-80% 319 $49,695,000 $155,784
40-60% 163 $17,925,000 $109,969
20-40% 100 $7,080,000 $70,800
Under 20% 57 $2,045,000 $35,877
Over 100% 9 $2,025,000 $225,000

Cambridge's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 435 originations, totaling $69,495,000 in origination value.