Cambridge Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Cambridge averaged 7.5% for the week of 2023-11-22, compared to the national average of 7.29% for the same period.

    The average rate for the prior week (2023-11-16) was 7.25% and one month ago for the week of 2023-10-19, the average rate was 7.54%.

    Cambridge's average rate one year ago was 6.82%.

    For refis of the same type during the week of 2023-11-22, the average rate was 7.89%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-11-22 7.29%
    Cambridge 30 Year Fixed Rate 2023-11-22 7.5%
    Cambridge 30 Year Fixed Rate Refi 2023-11-22 7.89%
    Cambridge 15 Year Fixed Rate 2023-11-22 6.67%
    Cambridge 15 Year Fixed Rate Refi 2023-11-22 6.97%
    Cambridge 30 Year FHA 2023-11-22 -0.45%
    Cambridge 30 Year FHA Refi 2023-11-22 -0.2%
    Cambridge 30 Year USDA 2023-11-22 0.2%
    Cambridge 30 Year USDA Refi 2023-11-22 0.1%
    Cambridge 30 Year VA 2023-11-22 0.2%
    Cambridge 30 Year VA Refi 2023-11-22 -0.2%
    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    Peoples Bank 30 5.44% $2,421
    The Huntington National Bank 26 5.24% $4,114
    QUICKEN LOANS, LLC 24 5.03% $5,780
    The Community Bank 20 4.65% $2,329
    FIRST OHIO HOME FINANCE, INC. 18 6.02% $2,317
    The Park National Bank 15 4.79% $3,728
    Farm Credit Mid-America, ACA 11 5.55% $5,617
    U.S. Bank 9 5.13% $2,911
    WesBanco 6 4.02% $5,229
    UNITED WHOLESALE MORTGAGE, LLC 6 4.35% $5,822
    J. VIRGIL, INC. 5 5.85% $4,296
    JPMorgan Chase Bank 5 4.55% $2,388
    ZILLOW HOME LOANS, LLC 3 4.21% $6,096
    RUOFF MORTGAGE COMPANY, INC. 3 5.17% $4,553
    Union Savings Bank 3 4.54% $575
    MID AMERICA MORTGAGE, INC. 2 6.50% $5,081
    Carrington Mortgage Services, LLC 2 4.88% $4,935
    Flagstar Bank, FSB 2 5.25% $5,560
    PNC Bank 2 4.38% $3,757
    CROSSCOUNTRY MORTGAGE, LLC 2 5.06% $4,905
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.25% $3,302
    POLARIS HOME FUNDING CORP. 2 6.69% $5,495
    FREEDOM MORTGAGE CORPORATION 2 4.06% $5,772
    ROYAL UNITED MORTGAGE LLC 1 6.00% $5,184
    S1L, Inc. 1 7.13% $3,865
    T2 FINANCIAL LLC 1 3.00% $15,257
    The Commercial and Savings Bank of Millersburg Ohio 1 5.00% $2,442
    The Merchants National Bank 1 3.50% $2,833
    The Middlefield Banking Company 1 4.63% $3,656
    AMERICAN FINANCIAL RESOURCES, INC. 1 3.13% $3,179
    UNION HOME MORTGAGE CORP. 1 3.88% $3,303
    Third Federal Savings and Loan Association of Cleveland 1 4.84% $8,104
    Amerifirst Financial, Inc. 1 6.50% $10,343
    AmeriHome Mortgage Company, LLC 1 6.38% $6,175
    AMERISAVE MORTGAGE CORPORATION 1 5.75% $4,621
    Bank of America 1 3.25% $3,347
    Bank of England 1 5.88% $4,830
    BETTER MORTGAGE CORPORATION 1 3.75% $2,458
    CHURCHILL MORTGAGE CORPORATION 1 4.25% $11,513
    Citizens Bank 1 6.25% $4,156
    Civista Bank 1 5.13% $4,106
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 5.00% $7,394
    First Guaranty Mortgage Corporation 1 3.75% $3,861
    Gateway First Bank 1 5.50% $4,351
    GUARANTEED RATE, INC. 1 4.63% $5,910
    GUILD MORTGAGE COMPANY 1 3.99% $8,256
    KEMBA FINANCIAL 1 4.88% $4,376
    LAKEVIEW LOAN SERVICING, LLC 1 6.35% $4,264
    LOANDEPOT.COM, LLC 1 2.99% $6,292
    Morgan Stanley Private Bank 1 4.15% $3,371
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.88% $4,842
    Quontic Bank 1 5.50% $8,099
    RAPID MORTGAGE COMPANY 1 6.13% $4,907
    RESIDENTIAL BANCORP 1 4.25% $4,255

    Cambridge Average Closing Costs & Other Stats

    Cambridge, OH's 54 lenders originated 901 loans during 2022. The total origination value was $121,455,000, with an average loan value of $134,800.

    Cambridge's average closing costs are $4,464.

    The top Cambridge lender as defined by loan originations is Peoples Bank, with 30 loans originated. Their average total fees are $2,421, which is $1,693 lower than the next largest lender, The Huntington National Bank.

    The lowest fee Cambridge lenders (with over 10 loans originated) are FIRST OHIO HOME FINANCE, INC. ($2,317), The Community Bank ($2,329), Peoples Bank ($2,421), The Park National Bank ($3,728) and The Huntington National Bank ($4,114).

    The lowest rate Cambridge lenders (with over 10 loans originated) are The Community Bank (4.65%), The Park National Bank (4.79%), QUICKEN LOANS, LLC (5.03%), The Huntington National Bank (5.24%) and Peoples Bank (5.44%).

    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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    The Huntington National Bank $19,705,000 $14,985,000 -24.0% 12.3%
    Peoples Bank $15,235,000 $10,295,000 -32.4% 8.5%
    QUICKEN LOANS, LLC $12,925,000 $8,925,000 -30.9% 7.3%
    FIRST OHIO HOME FINANCE, INC. $9,270,000 $8,750,000 -5.6% 7.2%
    The Park National Bank $11,010,000 $7,465,000 -32.2% 6.1%
    The Community Bank $10,705,000 $7,150,000 -33.2% 5.9%
    U.S. Bank $7,200,000 $4,750,000 -34.0% 3.9%
    WesBanco Bank, Inc. $3,925,000 $3,415,000 -13.0% 2.8%
    Mortgage Research Center, LLC $1,820,000 $3,370,000 85.2% 2.8%
    J. VIRGIL, INC. $2,425,000 $3,315,000 36.7% 2.7%
    PNC Bank $3,585,000 $3,145,000 -12.3% 2.6%
    Farm Credit Mid-America, ACA $6,465,000 $2,695,000 -58.3% 2.2%
    Woodsfield Savings Bank $960,000 $2,410,000 151.0% 2.0%
    UNITED WHOLESALE MORTGAGE, LLC $1,170,000 $2,205,000 88.5% 1.8%
    MID AMERICA MORTGAGE, INC. $5,315,000 $1,810,000 -65.9% 1.5%
    NAVY FEDERAL CREDIT UNION $785,000 $1,720,000 119.1% 1.4%
    CROSSCOUNTRY MORTGAGE, LLC $1,560,000 $1,485,000 -4.8% 1.2%
    FREEDOM MORTGAGE CORPORATION $1,720,000 $1,345,000 -21.8% 1.1%
    Belmont Savings Bank $715,000 $1,330,000 86.0% 1.1%
    Union Savings Bank $830,000 $1,165,000 40.4% 1.0%
    Flagstar Bank, FSB $170,000 $1,060,000 523.5% 0.9%
    NEW DAY FINANCIAL, LLC $1,370,000 $1,035,000 -24.5% 0.9%
    JPMorgan Chase Bank $555,000 $915,000 64.9% 0.8%
    Citizens Bank $910,000 n/a 0.7%
    AMERISAVE MORTGAGE CORPORATION $1,475,000 $885,000 -40.0% 0.7%
    RUOFF MORTGAGE COMPANY, INC. $1,330,000 $850,000 -36.1% 0.7%
    UNION HOME MORTGAGE CORP. $2,895,000 $820,000 -71.7% 0.7%
    POLARIS HOME FUNDING CORP. $1,015,000 $805,000 -20.7% 0.7%
    GUARANTEED RATE, INC. $315,000 $755,000 139.7% 0.6%
    Chickasaw Community Bank $745,000 n/a 0.6%
    EUSTIS AND AMERICAN MORTGAGE COMPANY $620,000 n/a 0.5%
    T2 FINANCIAL LLC $95,000 $615,000 547.4% 0.5%
    LIBERTY HOME MORTGAGE CORPORATION $655,000 $590,000 -9.9% 0.5%
    ZILLOW HOME LOANS, LLC $590,000 n/a 0.5%
    LOANDEPOT.COM, LLC $1,845,000 $565,000 -69.4% 0.5%
    North Valley Bank $1,070,000 $550,000 -48.6% 0.5%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $980,000 $540,000 -44.9% 0.4%
    VANDERBILT MORTGAGE AND FINANCE, INC. $660,000 $535,000 -18.9% 0.4%
    Gateway First Bank $465,000 n/a 0.4%
    GUILD MORTGAGE COMPANY $460,000 n/a 0.4%
    HOME POINT FINANCIAL CORPORATION $155,000 $440,000 183.9% 0.4%
    BETTER MORTGAGE CORPORATION $830,000 $435,000 -47.6% 0.4%
    BROKER SOLUTIONS, INC. $485,000 $435,000 -10.3% 0.4%
    HOWARD HANNA FINANCIAL SERVICES, INC. $435,000 n/a 0.4%
    Hometown Equity Mortgage, LLC $65,000 $425,000 553.8% 0.3%
    ROYAL UNITED MORTGAGE LLC $180,000 $410,000 127.8% 0.3%
    Civista Bank $155,000 $405,000 161.3% 0.3%
    The Merchants National Bank $405,000 n/a 0.3%
    CALIBER HOME LOANS, INC. $1,130,000 $385,000 -65.9% 0.3%
    21ST MORTGAGE CORPORATION $75,000 $375,000 400.0% 0.3%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $655,000 $375,000 -42.7% 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $365,000 $355,000 -2.7% 0.3%
    Third Federal Savings and Loan Association of Cleveland $220,000 $355,000 61.4% 0.3%
    Morgan Stanley Private Bank $345,000 n/a 0.3%
    RAPID MORTGAGE COMPANY $1,680,000 $330,000 -80.4% 0.3%
    NATIONS DIRECT MORTGAGE, LLC $315,000 $315,000 0.0% 0.3%
    AMERICAN FINANCIAL RESOURCES, INC. $165,000 $310,000 87.9% 0.3%
    Carrington Mortgage Services, LLC $295,000 $300,000 1.7% 0.2%
    Nations Lending Corporation $320,000 $290,000 -9.4% 0.2%
    Amerifirst Financial, Inc. $265,000 n/a 0.2%
    North American Savings Bank, F.S.B. $265,000 n/a 0.2%
    CHURCHILL MORTGAGE CORPORATION $255,000 n/a 0.2%
    NFM, INC. $115,000 $255,000 121.7% 0.2%
    The Federal Savings Bank $225,000 $245,000 8.9% 0.2%
    AMERICAN ADVISORS GROUP $240,000 n/a 0.2%
    Unified Bank $455,000 $240,000 -47.3% 0.2%
    AMERICAN FINANCING CORPORATION $515,000 $235,000 -54.4% 0.2%
    LIMA ONE CAPITAL, LLC $225,000 n/a 0.2%
    Quontic Bank $225,000 n/a 0.2%
    The Commercial and Savings Bank of Millersburg Ohio $205,000 n/a 0.2%
    USAA Federal Savings Bank $635,000 $195,000 -69.3% 0.2%
    KEMBA FINANCIAL $185,000 n/a 0.2%
    PENNYMAC LOAN SERVICES, LLC $565,000 $185,000 -67.3% 0.2%
    The Farmers National Bank of Canfield $785,000 $180,000 -77.1% 0.1%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $440,000 $175,000 -60.2% 0.1%
    CLEARPATH LENDING $185,000 $175,000 -5.4% 0.1%
    Paramount Residential Mortgage Group, Inc. $175,000 n/a 0.1%
    DAS Acquisition Company, LLC $165,000 n/a 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $535,000 $160,000 -70.1% 0.1%
    AmeriHome Mortgage Company, LLC $205,000 $155,000 -24.4% 0.1%
    Bank of America $545,000 $155,000 -71.6% 0.1%
    First National Bank of Pennsylvania $155,000 n/a 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $300,000 $155,000 -48.3% 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $145,000 n/a 0.1%
    SOUTHWEST STAGE FUNDING, LLC $185,000 $145,000 -21.6% 0.1%
    TOP FLITE FINANCIAL, INC. $145,000 n/a 0.1%
    PLANET HOME LENDING, LLC $115,000 $135,000 17.4% 0.1%
    Wells Fargo Bank $135,000 n/a 0.1%
    Figure Lending LLC $65,000 $125,000 92.3% 0.1%
    HOMESIDE FINANCIAL, LLC $625,000 $125,000 -80.0% 0.1%
    RESIDENTIAL BANCORP. $115,000 $125,000 8.7% 0.1%
    S1L, Inc. $125,000 n/a 0.1%
    Barrington Bank & Trust Company, N.A. $115,000 n/a 0.1%
    USAlliance Federal Credit Union $115,000 n/a 0.1%
    Discover Bank $120,000 $110,000 -8.3% 0.1%
    First Guaranty Mortgage Corporation $310,000 $105,000 -66.1% 0.1%
    LENDINGHOME FUNDING CORPORATION $125,000 $105,000 -16.0% 0.1%
    M&T Bank $115,000 $95,000 -17.4% 0.1%
    The Middlefield Banking Company $95,000 n/a 0.1%
    TRIAD FINANCIAL SERVICES, INC. $85,000 n/a 0.1%
    VILLAGE CAPITAL MORTGAGE $380,000 $85,000 -77.6% 0.1%
    LAKEVIEW LOAN SERVICING, LLC $535,000 $75,000 -86.0% 0.1%
    ALLIANT CREDIT UNION $65,000 n/a 0.1%
    PENTAGON FEDERAL CREDIT UNION $325,000 $65,000 -80.0% 0.1%
    Bank of England $55,000 n/a 0.0%
    FIRST COMMUNITY MORTGAGE, INC. $55,000 n/a 0.0%
    LONGBRIDGE FINANCIAL, LLC $35,000 n/a 0.0%
    SPRING EQ, LLC $35,000 n/a 0.0%

    Cambridge's top lender by overall market share is The Huntington National Bank, with 12.3% market share. In second place, with 8.5%, is Peoples Bank, having originated $10,295,000 in loans. In third place, with 7.3%, is QUICKEN LOANS, LLC, having originated $8,925,000 in loans. In fourth place, with 7.2%, is FIRST OHIO HOME FINANCE, INC., having originated $8,750,000 in loans. In fifth place, with 6.1%, is The Park National Bank, having originated $7,465,000 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%) $238,315 (-16.9%) 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 79
    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
    Cambridge's median listing price for 2023-10-01 was $185,000, a difference of $-14,900 (-7.5%) versus the prior year and $5,050 versus the prior month.

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

    Cambridge's average listing price for 2023-10-01 was $308,437, a difference of $26,342 (9.3%) versus the prior year and $5,971 versus the prior month.

    For the 2023-10-01 period, Cambridge had 61 MLS listings, a difference of 7 listings (13%) versus the prior month and -29 listings (-32%) 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 1,475 sqft
    2018-04-01 0 days 1,469 sqft
    2018-05-01 0 days 1,491 sqft
    2018-06-01 0 days 1,495 sqft
    2018-07-01 0 days 1,694 sqft
    2018-08-01 0 days 1,688 sqft
    2018-09-01 0 days 1,690 sqft
    2018-10-01 0 days 1,654 sqft
    2018-11-01 0 days 1,656 sqft
    2018-12-01 0 days 1,671 sqft
    2019-01-01 0 days 1,785 sqft
    2019-02-01 0 days 1,817 sqft
    2019-03-01 0 days 1,806 sqft
    2019-04-01 0 days 1,767 sqft
    2019-05-01 0 days 1,597 sqft
    2019-06-01 0 days 1,598 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 1,764 sqft
    2019-12-01 0 days 1,716 sqft
    2020-01-01 0 days 1,694 sqft
    2020-02-01 0 days 1,718 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 1,839 sqft
    2021-09-01 0 days 1,825 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 1,657 sqft
    2022-12-01 0 days 1,574 sqft
    2023-01-01 0 days 1,732 sqft
    2023-02-01 0 days 1,969 sqft
    2023-03-01 0 days 1,930 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 1,705 sqft
    2023-08-01 0 days 1,584 sqft
    2023-09-01 0 days 1,671 sqft
    2023-10-01 0 days 1,598 sqft
    Cambridge's median listing age (time on market) for 2023-10-01 was 0 days.

    Cambridge's median square footage for active listings during the 2023-10-01 period was 1,598 sqft. One year prior, the average listing was 1,767 sqft.

    Cambridge, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 393 $68,825,000 $175,127
    Cash Out Refi 187 $24,245,000 $129,652
    Refi 128 $15,780,000 $123,281
    Home Improvement 115 $6,995,000 $60,826
    Other 78 $5,610,000 $71,923

    Cambridge's most frequently cited loan purpose was Home Purchase, with 393 originations. The 2nd most popular reason was Cash Out Refi, with 187 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 217 $33,115,000 $152,604
    3-4% 184 $24,310,000 $132,120
    4-5% 181 $26,955,000 $148,923
    6-7% 140 $16,250,000 $116,071
    2.5-3% 60 $7,330,000 $122,167
    7-8% 47 $5,325,000 $113,298
    Over 8% 26 $1,530,000 $58,846
    <2.5% 24 $2,110,000 $87,917

    During 2022, Cambridge's most frequently originated rate bucket was 5-6%, with 217 originations.

    Loan Sizing (Cambridge, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 380 $53,650,000 $141,184
    $100,000 or less 362 $21,490,000 $59,365
    $200k-400k 138 $35,470,000 $257,029
    $400k-600k 17 $7,715,000 $453,824
    $600k-1000k 4 $3,130,000 $782,500

    Cambridge's loan sizing saw the bucket of loans from $100k-200k with 380 originations, totaling $53,650,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 345 $59,465,000 $172,362
    60-80% 207 $31,455,000 $151,957
    40-60% 122 $13,390,000 $109,754
    20-40% 117 $7,735,000 $66,111
    Under 20% 77 $2,535,000 $32,922
    Over 100% 7 $1,485,000 $212,143

    Cambridge's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 345 originations, totaling $59,465,000 in origination value.