Portsmouth 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 Portsmouth averaged 7.02% 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 7.25% and one month ago for the week of 2023-02-09, the average rate was 6.34%.

    Portsmouth's average rate one year ago was 4.07%.

    For refis of the same type during the week of 2023-03-16, the average rate was 7.07%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-16 6.6%
    Portsmouth 30 Year Fixed Rate 2023-03-16 7.02%
    Portsmouth 30 Year Fixed Rate Refi 2023-03-16 7.07%
    Portsmouth 15 Year Fixed Rate 2023-03-16 6.79%
    Portsmouth 15 Year Fixed Rate Refi 2023-03-16 6.23%
    Portsmouth 30 Year FHA 2023-03-16 6.96%
    Portsmouth 30 Year FHA Refi 2023-03-16 6.72%
    Portsmouth 30 Year USDA 2023-03-16 6.59%
    Portsmouth 30 Year USDA Refi 2023-03-16 6.37%
    Portsmouth 30 Year VA 2023-03-16 6.3%
    Portsmouth 30 Year VA Refi 2023-03-16 6.05%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Portsmouth, OH.

    Portsmouth 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 Portsmouth, 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
    DESCO 97 3.24% $2,822
    U.S. Bank 73 3.08% $3,101
    Fifth Third Bank 68 3.13% $3,400
    Peoples Bank 43 3.28% $2,832
    QUICKEN LOANS, LLC 38 3.21% $4,848
    WesBanco Bank, Inc. 25 3.13% $3,881
    PNC Bank 15 3.14% $3,921
    The Ohio Valley Bank Company 10 3.89% $3,542
    BAYSHORE MORTGAGE FUNDING, LLC 7 3.55% $4,832
    City National Bank of West Virginia 6 3.53% $1,277
    MOVEMENT MORTGAGE, LLC 6 3.07% $3,949
    LOANDEPOT.COM, LLC 6 3.21% $3,518
    AMERISAVE MORTGAGE CORPORATION 5 3.25% $4,347
    The Huntington National Bank 5 3.31% $5,646
    THE VINTON COUNTY NATIONAL BANK 5 3.63% $3,375
    CALIBER HOME LOANS, INC. 5 3.21% $4,991
    ROYAL UNITED MORTGAGE LLC 4 3.38% $6,117
    JPMorgan Chase Bank 4 2.90% $1,941
    Farm Credit Mid-America, ACA 4 3.36% $6,258
    Citizens Bank 4 3.00% $3,925
    Hometown Lenders, Inc. 4 3.56% $4,248
    Community Trust Bank, Inc. 4 2.97% $2,895
    EQUITY RESOURCES, INC. 3 3.21% $2,764
    NFM, INC. 3 3.13% $4,055
    BETTER MORTGAGE CORPORATION 3 2.71% $4,259
    POLARIS HOME FUNDING CORP. 3 3.13% $3,785
    Mortgage Research Center, LLC 3 3.25% $2,472
    UNITED WHOLESALE MORTGAGE, LLC 3 2.98% $3,273
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 3.54% $4,371
    First State Bank 2 3.50% $1,784
    Cf Bank 2 3.00% $2,983
    NEWREZ LLC 2 3.25% $7,112
    PENNYMAC LOAN SERVICES, LLC 2 3.12% $4,542
    AMERICAN MORTGAGE SERVICE COMPANY 2 2.75% $3,267
    Liberty Savings Bank, F.S.B. 2 2.75% $5,690
    DAS Acquisition Company, LLC 2 2.75% $7,036
    BROKER SOLUTIONS, INC. 2 3.38% $7,032
    HOME POINT FINANCIAL CORPORATION 2 3.31% $1,799
    UNION HOME MORTGAGE CORP. 2 3.06% $2,630
    Union Savings Bank 1 3.25% $3,116
    USAA Federal Savings Bank 1 3.13% $2,301
    Ally Bank 1 2.88% $5,520
    Wyndham Capital Mortgage, Inc. 1 3.38% $1,586
    ASHLAND Credit Union 1 3.25% $3,110
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 2.88% $2,960
    Chicago Mortgage Solutions LLC 1 2.87% $2,188
    Civista Bank 1 2.75% $3,522
    Discover Bank 1 4.75% $0
    DRAPER AND KRAMER MORTGAGE CORP. 1 3.13% $3,377
    ENDEAVOR CAPITAL, LLC. 1 3.25% $4,366
    First Federal Savings and Loan Association of Lakewood 1 3.05% $5,543
    First Financial Bank 1 3.38% $3,724
    First Internet Bank of Indiana 1 2.75% $3,189
    First National Bank of America 1 7.38% $8,115
    First Option Mortgage, LLC 1 3.50% $3,386
    Flagstar Bank, FSB 1 3.50% $4,217
    FREEDOM MORTGAGE CORPORATION 1 2.88% $1,895
    GUARANTEED RATE, INC. 1 3.25% $1,014
    GUILD MORTGAGE COMPANY 1 3.38% $3,051
    Heartland Bank 1 3.00% $3,581
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.25% $6,363
    HOMESIDE FINANCIAL, LLC 1 3.50% $3,156
    KELLER MORTGAGE, LLC 1 3.13% $1,665
    LCNB National Bank 1 2.88% $3,922
    Mr. Cooper ( Nationstar Mortgage ) 1 2.99% $4,254
    M&T Bank 1 3.38% $2,577
    MUTUAL OF OMAHA MORTGAGE, INC. 1 3.25% $5,962
    NATIONS RELIABLE LENDING, LLC 1 3.25% $3,639
    RAPID MORTGAGE COMPANY 1 3.38% $4,682
    RBC Bank, (Georgia) 1 3.00% $2,701
    RESIDENTIAL BANCORP. 1 2.63% $4,362
    RUOFF MORTGAGE COMPANY, INC. 1 3.25% $1,695
    SIGNATURE MORTGAGE CORPORATION 1 3.00% $3,434
    SIWELL, INC. 1 2.88% $5,153
    SOUTHWEST FUNDING, LP 1 4.13% $6,854
    Sunflower Bank 1 2.88% $5,445
    Superior Credit Union, Inc. 1 3.38% $4,123
    T2 FINANCIAL LLC 1 2.50% $2,206
    The Central Trust Bank 1 3.25% $3,838
    The Merchants National Bank 1 3.13% $2,998
    Third Federal Savings and Loan Association of Cleveland 1 2.99% $3,478

    Portsmouth Average Closing Costs & Other Stats

    Portsmouth, OH's 81 lenders originated 1,759 loans during 2021. The total origination value was $244,485,000, with an average loan value of $138,991.

    Portsmouth's average closing costs are $4,074.

    The top Portsmouth lender as defined by loan originations is DESCO, with 97 loans originated. Their average total fees are $2,822, which is $279 lower than the next largest lender, U.S. Bank.

    The lowest fee Portsmouth lenders (with over 10 loans originated) are DESCO ($2,822), Peoples Bank ($2,832), U.S. Bank ($3,101), Fifth Third Bank ($3,400) and The Ohio Valley Bank Company ($3,542).

    The lowest rate Portsmouth lenders (with over 10 loans originated) are U.S. Bank (3.08%), WesBanco Bank, Inc. (3.13%), Fifth Third Bank (3.13%), PNC Bank (3.14%) and QUICKEN LOANS, LLC (3.21%).

    Portsmouth, 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
    DESCO $39,095,000 $41,865,000 7.1% 17.1%
    Fifth Third Bank $20,110,000 $24,065,000 19.7% 9.8%
    QUICKEN LOANS, LLC $14,570,000 $20,780,000 42.6% 8.5%
    U.S. Bank $22,535,000 $18,620,000 -17.4% 7.6%
    Peoples Bank $17,230,000 $13,675,000 -20.6% 5.6%
    The Huntington National Bank $1,575,000 $9,295,000 490.2% 3.8%
    WesBanco Bank, Inc. $7,480,000 $8,140,000 8.8% 3.3%
    ATOMIC CREDIT UNION, INC. $7,240,000 $6,265,000 -13.5% 2.6%
    PNC Bank $5,595,000 $5,450,000 -2.6% 2.2%
    Citizens Bank $3,935,000 $5,115,000 30.0% 2.1%
    POLARIS HOME FUNDING CORP. $2,565,000 $4,415,000 72.1% 1.8%
    BAYSHORE MORTGAGE FUNDING, LLC $420,000 $4,220,000 904.8% 1.7%
    Hometown Lenders, Inc. $2,895,000 $4,140,000 43.0% 1.7%
    Mortgage Research Center, LLC $2,760,000 $3,675,000 33.2% 1.5%
    LOANDEPOT.COM, LLC $585,000 $3,570,000 510.3% 1.5%
    FREEDOM MORTGAGE CORPORATION $2,460,000 $2,990,000 21.5% 1.2%
    MYCUMORTGAGE, LLC $1,480,000 $2,755,000 86.1% 1.1%
    MOVEMENT MORTGAGE, LLC $870,000 $2,720,000 212.6% 1.1%
    Farm Credit Mid-America, ACA $2,030,000 $2,500,000 23.2% 1.0%
    THE VINTON COUNTY NATIONAL BANK $690,000 $2,495,000 261.6% 1.0%
    AMERICAN FINANCIAL RESOURCES, INC. $755,000 $2,220,000 194.0% 0.9%
    CALIBER HOME LOANS, INC. $1,210,000 $2,030,000 67.8% 0.8%
    Kentucky Farmers Bank Corporation $250,000 $1,875,000 650.0% 0.8%
    The Ohio Valley Bank Company $3,200,000 $1,810,000 -43.4% 0.7%
    City National Bank of West Virginia $2,100,000 $1,730,000 -17.6% 0.7%
    Community Trust Bank, Inc. $1,285,000 $1,550,000 20.6% 0.6%
    VANDERBILT MORTGAGE AND FINANCE, INC. $2,600,000 $1,510,000 -41.9% 0.6%
    UNITED WHOLESALE MORTGAGE, LLC $285,000 $1,445,000 407.0% 0.6%
    AMERISAVE MORTGAGE CORPORATION $1,380,000 $1,425,000 3.3% 0.6%
    PENNYMAC LOAN SERVICES, LLC $410,000 $1,375,000 235.4% 0.6%
    BETTER MORTGAGE CORPORATION $1,320,000 n/a 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $1,795,000 $1,235,000 -31.2% 0.5%
    USAA Federal Savings Bank $960,000 $1,210,000 26.0% 0.5%
    First Option Mortgage, LLC $125,000 $1,200,000 860.0% 0.5%
    UNION HOME MORTGAGE CORP. $1,620,000 $1,115,000 -31.2% 0.5%
    NEW DAY FINANCIAL, LLC $1,140,000 $1,105,000 -3.1% 0.5%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $585,000 $1,100,000 88.0% 0.4%
    HOME POINT FINANCIAL CORPORATION $1,045,000 n/a 0.4%
    EQUITY RESOURCES, INC. $2,135,000 $1,035,000 -51.5% 0.4%
    DAS Acquisition Company, LLC $875,000 $935,000 6.9% 0.4%
    RAPID MORTGAGE COMPANY $595,000 $895,000 50.4% 0.4%
    BROKER SOLUTIONS, INC. $890,000 n/a 0.4%
    MEMBERS CHOICE $1,295,000 $875,000 -32.4% 0.4%
    NFM, INC. $590,000 $765,000 29.7% 0.3%
    The Federal Savings Bank $725,000 n/a 0.3%
    Cf Bank $710,000 n/a 0.3%
    ROYAL UNITED MORTGAGE LLC $425,000 $660,000 55.3% 0.3%
    CROSSCOUNTRY MORTGAGE, LLC $410,000 $585,000 42.7% 0.2%
    NEWREZ LLC $475,000 $580,000 22.1% 0.2%
    Ally Bank $560,000 n/a 0.2%
    T2 FINANCIAL LLC $415,000 $555,000 33.7% 0.2%
    Wells Fargo Bank $230,000 $550,000 139.1% 0.2%
    VILLAGE CAPITAL & INVESTMENT LLC $625,000 $525,000 -16.0% 0.2%
    JPMorgan Chase Bank $450,000 $520,000 15.6% 0.2%
    Wyndham Capital Mortgage, Inc. $325,000 $470,000 44.6% 0.2%
    HOMESIDE FINANCIAL, LLC $525,000 $465,000 -11.4% 0.2%
    First Federal Savings and Loan Association of Lakewood $450,000 n/a 0.2%
    Liberty Savings Bank, F.S.B. $440,000 n/a 0.2%
    Pathways Financial Credit Union, Inc. $45,000 $410,000 811.1% 0.2%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $300,000 $405,000 35.0% 0.2%
    Third Federal Savings and Loan Association of Cleveland $285,000 $400,000 40.4% 0.2%
    Carrington Mortgage Services, LLC $605,000 $395,000 -34.7% 0.2%
    First Guaranty Mortgage Corporation $210,000 $390,000 85.7% 0.2%
    RUOFF MORTGAGE COMPANY, INC. $105,000 $375,000 257.1% 0.2%
    SOUTHWEST STAGE FUNDING, LLC $190,000 $370,000 94.7% 0.2%
    Strong Home Mortgage, LLC $365,000 n/a 0.1%
    STOCKTON MORTGAGE CORPORATION $325,000 $355,000 9.2% 0.1%
    Sunflower Bank $355,000 $355,000 0.0% 0.1%
    The Central Trust Bank $345,000 n/a 0.1%
    Kingston National Bank $230,000 $335,000 45.7% 0.1%
    21ST MORTGAGE CORPORATION $280,000 $315,000 12.5% 0.1%
    SIGNATURE MORTGAGE CORPORATION $520,000 $310,000 -40.4% 0.1%
    WRIGHT-PATT CREDIT UNION, INC. $95,000 $310,000 226.3% 0.1%
    SIWELL, INC. $310,000 $305,000 -1.6% 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $185,000 $300,000 62.2% 0.1%
    First Financial Bank $295,000 n/a 0.1%
    LCNB National Bank $195,000 $295,000 51.3% 0.1%
    AMERICAN PACIFIC MORTGAGE CORPORATION $290,000 n/a 0.1%
    Barrington Bank & Trust Company, N.A. $250,000 $290,000 16.0% 0.1%
    Heartland Bank $285,000 n/a 0.1%
    Sierra Pacific Mortgage Company, Inc. $285,000 n/a 0.1%
    OCMBC, INC. $275,000 n/a 0.1%
    Superior Credit Union, Inc. $275,000 n/a 0.1%
    RBC Bank, (Georgia) $265,000 n/a 0.1%
    Civista Bank $255,000 n/a 0.1%
    AMERICAN MORTGAGE SERVICE COMPANY $85,000 $250,000 194.1% 0.1%
    CHURCHILL MORTGAGE CORPORATION $235,000 $240,000 2.1% 0.1%
    Low VA Rates, LLC $525,000 $240,000 -54.3% 0.1%
    CLEARPATH LENDING $135,000 $235,000 74.1% 0.1%
    MORTGAGE ACCESS CORP. $235,000 n/a 0.1%
    North American Savings Bank, F.S.B. $225,000 n/a 0.1%
    Paramount Residential Mortgage Group, Inc. $820,000 $225,000 -72.6% 0.1%
    PLANET HOME LENDING, LLC $155,000 $225,000 45.2% 0.1%
    Cincinnati Federal $215,000 n/a 0.1%
    ENDEAVOR CAPITAL, LLC. $215,000 n/a 0.1%
    First National Bank of America $215,000 n/a 0.1%
    THRIVE MORTGAGE, LLC $585,000 $210,000 -64.1% 0.1%
    1ST SIGNATURE LENDING, LLC $205,000 n/a 0.1%
    GUARANTY HOME MORTGAGE CORPORATION $205,000 n/a 0.1%
    ASHLAND Credit Union $200,000 n/a 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $95,000 $200,000 110.5% 0.1%
    The Merchants National Bank $460,000 $200,000 -56.5% 0.1%
    EMBRACE HOME LOANS, INC. $195,000 n/a 0.1%
    Manufacturers and Traders Trust Company $195,000 n/a 0.1%
    MID AMERICA MORTGAGE, INC. $195,000 n/a 0.1%
    AMERIFIRST FINANCIAL CORPORATION $145,000 $190,000 31.0% 0.1%
    Chicago Mortgage Solutions LLC $185,000 n/a 0.1%
    Lakeview Community Capital, LLC $185,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $185,000 n/a 0.1%
    First State Bank $1,000,000 $180,000 -82.0% 0.1%
    First Savings Bank $295,000 $175,000 -40.7% 0.1%
    Figure Lending LLC $80,000 $165,000 106.3% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $165,000 n/a 0.1%
    SIRVA MORTGAGE, INC. $165,000 n/a 0.1%
    First Internet Bank of Indiana $155,000 n/a 0.1%
    MORTGAGE 1 INCORPORATED $155,000 n/a 0.1%
    RELIANCE FIRST CAPITAL, LLC $680,000 $155,000 -77.2% 0.1%
    RESIDENTIAL BANCORP. $155,000 n/a 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $145,000 n/a 0.1%
    Western Ohio Mortgage Corporation $145,000 n/a 0.1%
    AMERICAN ADVISORS GROUP $65,000 $140,000 115.4% 0.1%
    SPRING EQ, LLC $140,000 n/a 0.1%
    GUILD MORTGAGE COMPANY $125,000 $135,000 8.0% 0.1%
    KELLER MORTGAGE, LLC $135,000 n/a 0.1%
    Discover Bank $45,000 $130,000 188.9% 0.1%
    DRAPER AND KRAMER MORTGAGE CORP. $125,000 n/a 0.1%
    Renasant Bank $125,000 n/a 0.1%
    Union Savings Bank $270,000 $125,000 -53.7% 0.1%
    LIBERTY HOME MORTGAGE CORPORATION $215,000 $115,000 -46.5% 0.0%
    CANOPY MORTGAGE, LLC $105,000 n/a 0.0%
    Nations Lending Corporation $105,000 $105,000 0.0% 0.0%
    SOUTHWEST FUNDING, LP $105,000 n/a 0.0%
    GUARANTEED RATE, INC. $265,000 $95,000 -64.2% 0.0%
    LENDUS, LLC $340,000 $95,000 -72.1% 0.0%
    The Savings Bank $95,000 n/a 0.0%
    MORIA DEVELOPMENT, INC. $90,000 n/a 0.0%
    Citizens Deposit Bank & Trust $180,000 $85,000 -52.8% 0.0%
    NATIONS RELIABLE LENDING, LLC $85,000 n/a 0.0%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $415,000 $85,000 -79.5% 0.0%
    NATIONS DIRECT MORTGAGE, LLC $75,000 n/a 0.0%
    UNIVERSAL 1 CREDIT UNION $65,000 n/a 0.0%
    CMG MORTGAGE, INC. $55,000 n/a 0.0%
    Flagstar Bank, FSB $240,000 $55,000 -77.1% 0.0%
    HOMELAND CREDIT UNION, INC. $35,000 $55,000 57.1% 0.0%
    TOTAL MORTGAGE SERVICES, LLC $55,000 n/a 0.0%
    Transportation Federal Credit Union $45,000 n/a 0.0%
    Truist Bank $75,000 $45,000 -40.0% 0.0%

    Portsmouth's top lender by overall market share is DESCO, with 17.1% market share. In second place, with 9.8%, is Fifth Third Bank, having originated $24,065,000 in loans. In third place, with 8.5%, is QUICKEN LOANS, LLC, having originated $20,780,000 in loans. In fourth place, with 7.6%, is U.S. Bank, having originated $18,620,000 in loans. In fifth place, with 5.6%, is Peoples Bank, having originated $13,675,000 in loans.

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

    Realtor.com - Portsmouth (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 $103,200 (-2.2%) $142,019 (9.0%) 0.00 313
    2018-02-01 $99,900 (-7.0%) $139,122 (6.5%) 0.00 325
    2018-03-01 $109,900 (1.1%) $147,090 (14.1%) 0.00 313
    2018-04-01 $112,500 (2.4%) $152,055 (17.8%) 0.00 309
    2018-05-01 $119,375 (0.3%) $152,872 (12.8%) 0.00 326
    2018-06-01 $119,000 (-0.5%) $151,125 (5.6%) 0.00 329
    2018-07-01 $119,825 (-0.2%) $150,583 (3.0%) 0.00 336
    2018-08-01 $118,625 (-1.5%) $146,762 (-0.4%) 0.00 348
    2018-09-01 $110,000 (-4.4%) $145,031 (0.7%) 0.00 334
    2018-10-01 $108,000 (-4.4%) $145,048 (0.5%) 0.00 332
    2018-11-01 $105,000 (-2.1%) $143,195 (2.9%) 0.00 332
    2018-12-01 $103,800 (3.9%) $145,044 (4.7%) 0.00 315
    2019-01-01 $102,150 (-1.0%) $143,450 (1.0%) 0.00 304
    2019-02-01 $113,100 (13.2%) $151,314 (8.8%) 0.00 300
    2019-03-01 $114,236 (4.0%) $152,636 (3.8%) 0.00 292
    2019-04-01 $118,925 (5.7%) $153,045 (0.7%) 0.00 284
    2019-05-01 $125,000 (4.7%) $152,539 (-0.2%) 0.00 284
    2019-06-01 $124,900 (5.0%) $152,694 (1.0%) 0.00 281
    2019-07-01 $121,900 (1.7%) $153,076 (1.7%) 0.00 289
    2019-08-01 $122,382 (3.2%) $156,868 (6.9%) 0.00 290
    2019-09-01 $126,105 (14.6%) $160,113 (10.4%) 0.00 279
    2019-10-01 $129,000 (19.4%) $162,057 (11.7%) 0.00 274
    2019-11-01 $119,000 (13.3%) $150,804 (5.3%) 0.00 256
    2019-12-01 $109,675 (5.7%) $145,001 (0.0%) 0.00 253
    2020-01-01 $113,475 (11.1%) $140,467 (-2.1%) 0.00 245
    2020-02-01 $111,000 (-1.9%) $139,352 (-7.9%) 0.00 255
    2020-03-01 $116,000 (1.5%) $141,873 (-7.1%) 0.00 232
    2020-04-01 $119,375 (0.4%) $152,465 (-0.4%) 0.00 225
    2020-05-01 $119,950 (-4.0%) $161,072 (5.6%) 0.00 194
    2020-06-01 $125,000 (0.1%) $165,042 (8.1%) 0.00 176
    2020-07-01 $139,450 (14.4%) $179,038 (17.0%) 0.00 166
    2020-08-01 $139,000 (13.6%) $181,715 (15.8%) 0.00 150
    2020-09-01 $142,450 (13.0%) $182,328 (13.9%) 0.00 144
    2020-10-01 $136,500 (5.8%) $184,049 (13.6%) 0.00 133
    2020-11-01 $135,000 (13.5%) $189,434 (25.6%) 0.00 119
    2020-12-01 $127,450 (16.2%) $190,995 (31.7%) 0.00 105
    2021-01-01 $129,500 (14.1%) $199,192 (41.8%) 0.00 97
    2021-02-01 $138,675 (24.9%) $211,758 (52.0%) 0.00 86
    2021-03-01 $143,700 (23.9%) $199,019 (40.3%) 0.00 82
    2021-04-01 $152,450 (27.7%) $193,119 (26.7%) 0.00 69
    2021-05-01 $147,450 (22.9%) $169,637 (5.3%) 0.00 71
    2021-06-01 $122,425 (-2.1%) $164,017 (-0.6%) 0.00 65
    2021-07-01 $147,500 (5.8%) $173,462 (-3.1%) 0.00 85
    2021-08-01 $140,475 (1.1%) $169,762 (-6.6%) 0.00 92
    2021-09-01 $144,725 (1.6%) $180,864 (-0.8%) 0.00 82
    2021-10-01 $164,900 (20.8%) $194,615 (5.7%) 0.00 76
    2021-11-01 $161,175 (19.4%) $199,613 (5.4%) 0.00 70
    2021-12-01 $159,700 (25.3%) $191,224 (0.1%) 0.00 71
    2022-01-01 $160,000 (23.6%) $198,326 (-0.4%) 0.00 59
    2022-02-01 $145,725 (5.1%) $212,863 (0.5%) 0.00 51
    2022-03-01 $140,200 (-2.4%) $216,443 (8.8%) 0.00 58
    2022-04-01 $160,000 (5.0%) $262,824 (36.1%) 0.00 59
    2022-05-01 $171,550 (16.3%) $231,026 (36.2%) 0.00 68
    2022-06-01 $159,975 (30.7%) $213,566 (30.2%) 0.00 95
    2022-07-01 $164,700 (11.7%) $210,669 (21.5%) 0.00 107
    2022-08-01 $155,350 (10.6%) $214,569 (26.4%) 0.00 101
    2022-09-01 $156,650 (8.2%) $206,708 (14.3%) 0.00 104
    2022-10-01 $151,950 (-7.9%) $202,613 (4.1%) 0.00 89
    2022-11-01 $148,600 (-7.8%) $181,952 (-8.9%) 0.00 84
    2022-12-01 $132,400 (-17.1%) $178,413 (-6.7%) 0.00 80
    2023-01-01 $129,925 (-18.8%) $182,547 (-8.0%) 0.00 87
    2023-02-01 $129,900 (-10.9%) $179,508 (-15.7%) 0.00 90
    Portsmouth's median listing price for 2023-02-01 was $129,900, a difference of $-15,825 (-10.9%) versus the prior year and $-25 versus the prior month.

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

    Portsmouth's average listing price for 2023-02-01 was $179,508, a difference of $-33,355 (-15.7%) versus the prior year and $-3,039 versus the prior month.

    For the 2023-02-01 period, Portsmouth had 90 MLS listings, a difference of 3 listings (3%) versus the prior month and 39 listings (76%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Portsmouth (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,495 sqft
    2018-02-01 0 days 1,478 sqft
    2018-03-01 0 days 1,483 sqft
    2018-04-01 0 days 1,486 sqft
    2018-05-01 0 days 1,492 sqft
    2018-06-01 0 days 1,532 sqft
    2018-07-01 0 days 1,553 sqft
    2018-08-01 0 days 1,546 sqft
    2018-09-01 0 days 1,530 sqft
    2018-10-01 0 days 1,512 sqft
    2018-11-01 0 days 1,532 sqft
    2018-12-01 0 days 1,561 sqft
    2019-01-01 0 days 1,560 sqft
    2019-02-01 0 days 1,584 sqft
    2019-03-01 0 days 1,598 sqft
    2019-04-01 0 days 1,614 sqft
    2019-05-01 0 days 1,586 sqft
    2019-06-01 0 days 1,584 sqft
    2019-07-01 0 days 1,594 sqft
    2019-08-01 0 days 1,617 sqft
    2019-09-01 0 days 1,644 sqft
    2019-10-01 0 days 1,661 sqft
    2019-11-01 0 days 1,650 sqft
    2019-12-01 0 days 1,621 sqft
    2020-01-01 0 days 1,621 sqft
    2020-02-01 0 days 1,604 sqft
    2020-03-01 0 days 1,557 sqft
    2020-04-01 0 days 1,600 sqft
    2020-05-01 0 days 1,544 sqft
    2020-06-01 0 days 1,502 sqft
    2020-07-01 0 days 1,590 sqft
    2020-08-01 0 days 1,558 sqft
    2020-09-01 0 days 1,452 sqft
    2020-10-01 0 days 1,550 sqft
    2020-11-01 0 days 1,585 sqft
    2020-12-01 0 days 1,447 sqft
    2021-01-01 0 days 1,456 sqft
    2021-02-01 0 days 1,610 sqft
    2021-03-01 0 days 1,585 sqft
    2021-04-01 0 days 1,583 sqft
    2021-05-01 0 days 1,539 sqft
    2021-06-01 0 days 1,439 sqft
    2021-07-01 0 days 1,546 sqft
    2021-08-01 0 days 1,539 sqft
    2021-09-01 0 days 1,588 sqft
    2021-10-01 0 days 1,579 sqft
    2021-11-01 0 days 1,543 sqft
    2021-12-01 0 days 1,537 sqft
    2022-01-01 0 days 1,480 sqft
    2022-02-01 0 days 1,420 sqft
    2022-03-01 0 days 1,406 sqft
    2022-04-01 0 days 1,504 sqft
    2022-05-01 0 days 1,446 sqft
    2022-06-01 0 days 1,449 sqft
    2022-07-01 0 days 1,466 sqft
    2022-08-01 0 days 1,505 sqft
    2022-09-01 0 days 1,498 sqft
    2022-10-01 0 days 1,521 sqft
    2022-11-01 0 days 1,440 sqft
    2022-12-01 0 days 1,387 sqft
    2023-01-01 0 days 1,404 sqft
    2023-02-01 0 days 1,400 sqft
    Portsmouth's median listing age (time on market) for 2023-02-01 was 0 days.

    Portsmouth's median square footage for active listings during the 2023-02-01 period was 1,400 sqft. One year prior, the average listing was 1,420 sqft.

    Portsmouth, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 782 $118,330,000 $151,317
    Refi 497 $71,375,000 $143,612
    Cash Out Refi 305 $42,745,000 $140,148
    Other 88 $6,600,000 $75,000
    Home Improvement 87 $5,435,000 $62,471

    Portsmouth's most frequently cited loan purpose was Home Purchase, with 782 originations. The 2nd most popular reason was Refi, with 497 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 642 $96,830,000 $150,826
    2.5-3% 595 $88,685,000 $149,050
    <2.5% 289 $36,595,000 $126,626
    4-5% 105 $9,665,000 $92,048
    Over 8% 20 $1,030,000 $51,500
    5-6% 20 $1,110,000 $55,500
    6-7% 19 $1,065,000 $56,053
    7-8% 8 $770,000 $96,250

    During 2021, Portsmouth's most frequently originated rate bucket was 3-4%, with 642 originations.

    Loan Sizing (Portsmouth, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 769 $108,725,000 $141,385
    $100,000 or less 694 $44,100,000 $63,545
    $200k-400k 268 $69,830,000 $260,560
    $400k-600k 21 $9,845,000 $468,810
    $600k-1000k 4 $3,120,000 $780,000
    $Over $1MM 3 $8,865,000 $2,955,000

    Portsmouth's loan sizing saw the bucket of loans from $100k-200k with 769 originations, totaling $108,725,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 748 $113,900,000 $152,273
    60-80% 512 $71,260,000 $139,180
    40-60% 191 $21,765,000 $113,953
    20-40% 99 $5,945,000 $60,051
    Under 20% 44 $1,450,000 $32,955
    Over 100% 9 $8,045,000 $893,889

    Portsmouth's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 748 originations, totaling $113,900,000 in origination value.