Sandusky 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 Sandusky averaged 6.8% for the week of 2023-11-30, compared to the national average of 7.22% for the same period.

    The average rate for the prior week (2023-11-22) was 7.17% and one month ago for the week of 2023-10-26, the average rate was 7.77%.

    Sandusky's average rate one year ago was 6.16%.

    For refis of the same type during the week of 2023-11-30, the average rate was 6.76%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-11-30 7.22%
    Sandusky 30 Year Fixed Rate 2023-11-30 6.8%
    Sandusky 30 Year Fixed Rate Refi 2023-11-30 6.76%
    Sandusky 15 Year Fixed Rate 2023-11-30 6.76%
    Sandusky 15 Year Fixed Rate Refi 2023-11-30 6.96%
    Sandusky 30 Year FHA 2023-11-30 7.04%
    Sandusky 30 Year FHA Refi 2023-11-30 7.05%
    Sandusky 30 Year USDA 2023-11-30 6.8%
    Sandusky 30 Year USDA Refi 2023-11-30 7.1%
    Sandusky 30 Year VA 2023-11-30 6.57%
    Sandusky 30 Year VA Refi 2023-11-30 6.77%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Sandusky, OH.

    Sandusky 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 Sandusky, 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
    Civista Bank 174 4.85% $3,597
    QUICKEN LOANS, LLC 51 5.35% $5,837
    UNITED WHOLESALE MORTGAGE, LLC 43 5.35% $7,177
    UNION HOME MORTGAGE CORP. 41 5.48% $5,786
    First Federal Savings and Loan Association of Lorain 32 4.26% $3,793
    KeyBank 32 4.75% $3,983
    CROSSCOUNTRY MORTGAGE, LLC 25 5.90% $5,561
    The Huntington National Bank 24 4.52% $4,137
    Fifth Third Bank 21 5.06% $3,082
    First Federal Savings and Loan Association of Lakewood 18 4.13% $5,414
    Third Federal Savings and Loan Association of Cleveland 17 4.13% $2,831
    YOUR HOME FINANCIAL LLC 15 5.81% $4,584
    JPMorgan Chase Bank 13 5.23% $2,648
    LOANDEPOT.COM, LLC 12 5.41% $4,613
    The Croghan Colonial Bank 10 4.71% $3,655
    Wells Fargo Bank 10 4.45% $4,182
    PNC Bank 9 4.14% $3,721
    CALIBER HOME LOANS, INC. 8 5.26% $4,901
    U.S. Bank 8 5.64% $3,842
    HOWARD HANNA FINANCIAL SERVICES, INC. 7 4.55% $4,093
    RUOFF MORTGAGE COMPANY, INC. 7 5.70% $2,994
    Evolve Bank & Trust 7 5.00% $5,239
    HOMESIDE FINANCIAL, LLC 6 4.50% $3,940
    First National Bank of Bellevue 6 4.69% $4,267
    Northwest Bank 6 4.58% $4,489
    MID AMERICA MORTGAGE, INC. 6 4.69% $6,942
    First Federal Bank of the Midwest 5 4.83% $3,652
    Bank of America 5 4.98% $3,245
    NEWREZ LLC 4 5.44% $5,036
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 5.06% $6,347
    Mr. Cooper ( Nationstar Mortgage ) 4 4.06% $4,430
    Nations Lending Corporation 4 5.53% $5,920
    Flagstar Bank, FSB 4 5.78% $6,660
    GUARANTEED RATE, INC. 3 5.12% $5,813
    Dollar Bank, Federal Savings Bank 3 4.04% $5,698
    First National Bank of Pennsylvania 3 5.04% $3,387
    PENNYMAC LOAN SERVICES, LLC 3 4.92% $6,027
    Citizens Bank 3 4.25% $4,424
    BROKER SOLUTIONS, INC. 3 4.50% $7,854
    LIBERTY HOME MORTGAGE CORPORATION 3 4.75% $4,874
    NAVY FEDERAL CREDIT UNION 2 4.31% $2,486
    First Financial Bank 2 3.63% $3,966
    KELLER MORTGAGE, LLC 2 3.56% $3,830
    FREEDOM MORTGAGE CORPORATION 2 4.81% $4,123
    USAA Federal Savings Bank 2 6.25% $5,619
    NFM, INC. 2 6.50% $5,060
    Directions Credit Union, Inc. 2 5.19% $1,982
    AMERISAVE MORTGAGE CORPORATION 2 4.75% $5,470
    WRIGHT-PATT CREDIT UNION, INC. 2 6.31% $2,606
    ZILLOW HOME LOANS, LLC 1 4.38% $5,752
    Amerifirst Financial, Inc. 1 5.75% $3,553
    AmeriHome Mortgage Company, LLC 1 5.13% $5,174
    Associated Bank 1 3.38% $2,803
    Blue Ridge Bank 1 4.75% $4,029
    BMI Federal Credit Union 1 4.39% $3,082
    Carrington Mortgage Services, LLC 1 4.38% $3,863
    Cf Bank 1 4.25% $2,460
    CHURCHILL MORTGAGE CORPORATION 1 5.25% $3,745
    East Coast Capital Corp. 1 5.88% $6,784
    EMBRACE HOME LOANS, INC. 1 7.25% $3,675
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 5.00% $3,978
    Farm Credit Mid-America, ACA 1 3.95% $7,959
    FEDERATED MORTGAGE CORP. 1 5.25% $3,446
    First Commonwealth Bank 1 3.88% $3,103
    First Merchants Bank 1 5.13% $3,239
    FIRST OHIO HOME FINANCE, INC. 1 5.63% $3,783
    First Savings Bank 1 4.38% $6,345
    GSF Mortgage Corporation 1 6.99% $5,505
    GUARANTY HOME MORTGAGE CORPORATION 1 4.13% $3,591
    HOME POINT FINANCIAL CORPORATION 1 5.88% $10,212
    KEMBA FINANCIAL 1 3.13% $3,852
    MMS MORTGAGE SERVICES, LTD. 1 3.50% $3,118
    North American Savings Bank, F.S.B. 1 4.50% $4,101
    NORTHERN MORTGAGE SERVICES, LLC 1 3.88% $4,322
    Paramount Residential Mortgage Group, Inc. 1 5.88% $4,888
    POLARIS HOME FUNDING CORP. 1 5.00% $6,393
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.13% $3,798
    PRIORITY MORTGAGE CORP. 1 4.38% $3,956
    ROYAL UNITED MORTGAGE LLC 1 5.88% $5,298
    Strong Home Mortgage, LLC 1 3.75% $5,033
    SUN Federal Credit Union 1 3.63% $2,576
    T2 FINANCIAL LLC 1 4.50% $4,358
    THE EQUITABLE MORTGAGE CORPORATION 1 3.38% $2,803
    The Federal Savings Bank 1 4.25% $2,218
    The Genoa Banking Company 1 3.25% $3,045
    The Park National Bank 1 4.13% $2,678
    THRIVENT Federal Credit Union 1 6.25% $3,782
    UNION CAPITAL MORTGAGE CORPORATION 1 3.75% $11,121
    Union Savings Bank 1 4.25% $3,361
    WesBanco 1 4.38% $6,138
    American Midwest Mortgage Corporation 1 5.50% $7,183

    Sandusky Average Closing Costs & Other Stats

    Sandusky, OH's 91 lenders originated 1,902 loans during 2022. The total origination value was $319,410,000, with an average loan value of $167,934.

    Sandusky's average closing costs are $4,431.

    The top Sandusky lender as defined by loan originations is Civista Bank, with 174 loans originated. Their average total fees are $3,597, which is $2,241 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Sandusky lenders (with over 10 loans originated) are JPMorgan Chase Bank ($2,648), Third Federal Savings and Loan Association of Cleveland ($2,831), Fifth Third Bank ($3,082), Civista Bank ($3,597) and The Croghan Colonial Bank ($3,655).

    The lowest rate Sandusky lenders (with over 10 loans originated) are First Federal Savings and Loan Association of Lakewood (4.13%), Third Federal Savings and Loan Association of Cleveland (4.13%), First Federal Savings and Loan Association of Lorain (4.26%), Wells Fargo Bank (4.45%) and The Huntington National Bank (4.52%).

    Sandusky, 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
    Civista Bank $73,925,000 $57,160,000 -22.7% 17.9%
    The Huntington National Bank $24,010,000 $21,505,000 -10.4% 6.7%
    QUICKEN LOANS, LLC $49,760,000 $21,255,000 -57.3% 6.7%
    KeyBank $17,615,000 $16,120,000 -8.5% 5.0%
    UNITED WHOLESALE MORTGAGE, LLC $7,080,000 $14,025,000 98.1% 4.4%
    UNION HOME MORTGAGE CORP. $23,995,000 $12,595,000 -47.5% 3.9%
    PNC Bank $11,100,000 $11,705,000 5.5% 3.7%
    Fifth Third Bank $17,780,000 $9,685,000 -45.5% 3.0%
    First Federal Savings and Loan Association of Lorain $13,760,000 $9,410,000 -31.6% 2.9%
    CROSSCOUNTRY MORTGAGE, LLC $5,760,000 $8,680,000 50.7% 2.7%
    First Federal Savings and Loan Association of Lakewood $10,805,000 $7,145,000 -33.9% 2.2%
    First Federal Bank of the Midwest $8,090,000 $6,700,000 -17.2% 2.1%
    Third Federal Savings and Loan Association of Cleveland $6,635,000 $6,675,000 0.6% 2.1%
    Northwest Bank $2,710,000 $5,260,000 94.1% 1.6%
    LOANDEPOT.COM, LLC $6,685,000 $5,015,000 -25.0% 1.6%
    YOUR HOME FINANCIAL LLC $5,560,000 $4,160,000 -25.2% 1.3%
    Mortgage Research Center, LLC $6,085,000 $3,775,000 -38.0% 1.2%
    U.S. Bank $8,035,000 $3,590,000 -55.3% 1.1%
    JPMorgan Chase Bank $6,260,000 $3,485,000 -44.3% 1.1%
    CALIBER HOME LOANS, INC. $5,695,000 $3,275,000 -42.5% 1.0%
    Wells Fargo Bank $4,080,000 $3,255,000 -20.2% 1.0%
    Citizens Bank $3,595,000 $3,010,000 -16.3% 0.9%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $5,820,000 $2,470,000 -57.6% 0.8%
    First National Bank of Bellevue $1,965,000 $2,350,000 19.6% 0.7%
    MID AMERICA MORTGAGE, INC. $4,215,000 $2,285,000 -45.8% 0.7%
    Dollar Bank, Federal Savings Bank $2,950,000 $2,260,000 -23.4% 0.7%
    HOMESIDE FINANCIAL, LLC $2,685,000 $2,205,000 -17.9% 0.7%
    PENNYMAC LOAN SERVICES, LLC $3,685,000 $2,085,000 -43.4% 0.7%
    Evolve Bank & Trust $1,240,000 $2,080,000 67.7% 0.7%
    The Croghan Colonial Bank $5,760,000 $2,040,000 -64.6% 0.6%
    RUOFF MORTGAGE COMPANY, INC. $790,000 $2,020,000 155.7% 0.6%
    First Federal Bank of Ohio $7,465,000 $1,975,000 -73.5% 0.6%
    Mr. Cooper ( Nationstar Mortgage ) $4,055,000 $1,975,000 -51.3% 0.6%
    AG Credit, Agricultural Credit Association $1,650,000 $1,940,000 17.6% 0.6%
    First National Bank of Pennsylvania $1,820,000 $1,845,000 1.4% 0.6%
    S&T Bank $1,525,000 $1,725,000 13.1% 0.5%
    Flagstar Bank, FSB $975,000 $1,705,000 74.9% 0.5%
    FREEDOM MORTGAGE CORPORATION $7,940,000 $1,685,000 -78.8% 0.5%
    HOME POINT FINANCIAL CORPORATION $485,000 $1,515,000 212.4% 0.5%
    AMERISAVE MORTGAGE CORPORATION $1,160,000 $1,480,000 27.6% 0.5%
    Capital One $1,455,000 n/a 0.5%
    Cf Bank $1,035,000 $1,410,000 36.2% 0.4%
    Farm Credit Mid-America, ACA $220,000 $1,315,000 497.7% 0.4%
    The Genoa Banking Company $1,495,000 $1,310,000 -12.4% 0.4%
    HOWARD HANNA FINANCIAL SERVICES, INC. $4,095,000 $1,300,000 -68.3% 0.4%
    Nations Lending Corporation $2,190,000 $1,280,000 -41.6% 0.4%
    NEWREZ LLC $5,200,000 $1,255,000 -75.9% 0.4%
    LIMA ONE CAPITAL, LLC $1,195,000 n/a 0.4%
    CALCON MUTUAL MORTGAGE LLC $1,155,000 n/a 0.4%
    Bank of America $880,000 $1,145,000 30.1% 0.4%
    USAA Federal Savings Bank $1,340,000 $1,120,000 -16.4% 0.4%
    BROKER SOLUTIONS, INC. $735,000 $1,025,000 39.5% 0.3%
    NAVY FEDERAL CREDIT UNION $1,580,000 $980,000 -38.0% 0.3%
    First Financial Bank $950,000 n/a 0.3%
    Fremont Federal Credit Union $1,420,000 $895,000 -37.0% 0.3%
    GUARANTEED RATE, INC. $2,015,000 $865,000 -57.1% 0.3%
    First Commonwealth Bank $1,155,000 $740,000 -35.9% 0.2%
    NEW DAY FINANCIAL, LLC $1,380,000 $740,000 -46.4% 0.2%
    MYCUMORTGAGE, LLC $1,705,000 $690,000 -59.5% 0.2%
    NFM, INC. $650,000 n/a 0.2%
    The Federal Savings Bank $195,000 $620,000 217.9% 0.2%
    KEMBA FINANCIAL $580,000 n/a 0.2%
    LAKEVIEW LOAN SERVICING, LLC $900,000 $570,000 -36.7% 0.2%
    CENTURY $550,000 n/a 0.2%
    Waterford Bank, N.A. $545,000 n/a 0.2%
    UNION CAPITAL MORTGAGE CORPORATION $885,000 $540,000 -39.0% 0.2%
    LIBERTY HOME MORTGAGE CORPORATION $1,405,000 $505,000 -64.1% 0.2%
    The Farmers National Bank of Canfield $930,000 $505,000 -45.7% 0.2%
    Carrington Mortgage Services, LLC $870,000 $500,000 -42.5% 0.2%
    AMERICAN FINANCING CORPORATION $1,655,000 $470,000 -71.6% 0.1%
    Barrington Bank & Trust Company, N.A. $695,000 $470,000 -32.4% 0.1%
    The Farmers & Merchants State Bank $95,000 $470,000 394.7% 0.1%
    American Midwest Mortgage Corporation $1,455,000 $460,000 -68.4% 0.1%
    CLEARPATH LENDING $585,000 $460,000 -21.4% 0.1%
    Truist $490,000 $405,000 -17.3% 0.1%
    EUSTIS AND AMERICAN MORTGAGE COMPANY $385,000 n/a 0.1%
    HOMESTEAD FUNDING CORP. $385,000 n/a 0.1%
    RELIANCE FIRST CAPITAL, LLC $700,000 $385,000 -45.0% 0.1%
    KELLER MORTGAGE, LLC $1,350,000 $380,000 -71.9% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $645,000 $380,000 -41.1% 0.1%
    The Old Fort Banking Company $210,000 $365,000 73.8% 0.1%
    Directions Credit Union, Inc. $355,000 n/a 0.1%
    Low VA Rates, LLC $155,000 $355,000 129.0% 0.1%
    GUARANTY HOME MORTGAGE CORPORATION $305,000 n/a 0.1%
    WRIGHT-PATT CREDIT UNION, INC. $1,695,000 $305,000 -82.0% 0.1%
    FINANCE OF AMERICA MORTGAGE LLC $300,000 n/a 0.1%
    Northpointe Bank $570,000 $300,000 -47.4% 0.1%
    Associated Bank $295,000 n/a 0.1%
    FIRST COMMUNITY MORTGAGE, INC. $625,000 $295,000 -52.8% 0.1%
    THE EQUITABLE MORTGAGE CORPORATION $870,000 $295,000 -66.1% 0.1%
    WesBanco Bank, Inc. $305,000 $285,000 -6.6% 0.1%
    GSF Mortgage Corporation $275,000 n/a 0.1%
    Union Savings Bank $350,000 $250,000 -28.6% 0.1%
    North American Savings Bank, F.S.B. $235,000 n/a 0.1%
    NEXERA HOLDING LLC $230,000 n/a 0.1%
    MIDLAND MORTGAGE CORPORATION $225,000 n/a 0.1%
    PRIORITY MORTGAGE CORP. $235,000 $225,000 -4.3% 0.1%
    ROYAL UNITED MORTGAGE LLC $265,000 $225,000 -15.1% 0.1%
    The Park National Bank $1,945,000 $220,000 -88.7% 0.1%
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $380,000 $215,000 -43.4% 0.1%
    Magnolia Bank $750,000 $215,000 -71.3% 0.1%
    LOANPAL, LLC $205,000 n/a 0.1%
    Paramount Residential Mortgage Group, Inc. $665,000 $205,000 -69.2% 0.1%
    BAYSHORE MORTGAGE FUNDING, LLC $830,000 $195,000 -76.5% 0.1%
    First Savings Bank $195,000 n/a 0.1%
    T2 FINANCIAL LLC $485,000 $195,000 -59.8% 0.1%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $260,000 $185,000 -28.8% 0.1%
    21ST MORTGAGE CORPORATION $985,000 $175,000 -82.2% 0.1%
    Figure Lending LLC $345,000 $175,000 -49.3% 0.1%
    MMS MORTGAGE SERVICES, LTD. $605,000 $175,000 -71.1% 0.1%
    AMERICAN PACIFIC MORTGAGE CORPORATION $170,000 n/a 0.1%
    BMI Federal Credit Union $270,000 $165,000 -38.9% 0.1%
    EMBRACE HOME LOANS, INC. $165,000 n/a 0.1%
    FEDERATED MORTGAGE CORP. $165,000 n/a 0.1%
    First Merchants Bank $1,325,000 $165,000 -87.5% 0.1%
    AmeriHome Mortgage Company, LLC $330,000 $155,000 -53.0% 0.0%
    POLARIS HOME FUNDING CORP. $300,000 $155,000 -48.3% 0.0%
    TRIAD FINANCIAL SERVICES, INC. $150,000 n/a 0.0%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $585,000 $145,000 -75.2% 0.0%
    LENDINGHOME FUNDING CORPORATION $510,000 $145,000 -71.6% 0.0%
    REVERSE MORTGAGE FUNDING LLC $145,000 n/a 0.0%
    SUN Federal Credit Union $45,000 $145,000 222.2% 0.0%
    THRIVENT Federal Credit Union $85,000 $145,000 70.6% 0.0%
    East Coast Capital Corp. $135,000 n/a 0.0%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $460,000 $135,000 -70.7% 0.0%
    GUILD MORTGAGE COMPANY $235,000 $125,000 -46.8% 0.0%
    Strong Home Mortgage, LLC $135,000 $125,000 -7.4% 0.0%
    The Community Bank $125,000 n/a 0.0%
    Sutton Bank $740,000 $120,000 -83.8% 0.0%
    LENDINGONE, LLC $115,000 n/a 0.0%
    SPRING EQ, LLC $105,000 $115,000 9.5% 0.0%
    The Apple Creek Banking Company $115,000 n/a 0.0%
    Amerifirst Financial, Inc. $105,000 n/a 0.0%
    Bank of England $515,000 $105,000 -79.6% 0.0%
    Blue Ridge Bank $105,000 n/a 0.0%
    NTFN, INC. $145,000 $105,000 -27.6% 0.0%
    FIRST OHIO HOME FINANCE, INC. $85,000 $95,000 11.8% 0.0%
    OCEANSIDE MORTGAGE COMPANY $95,000 $95,000 0.0% 0.0%
    CHURCHILL MORTGAGE CORPORATION $340,000 $85,000 -75.0% 0.0%
    CORNERSTONE COMMUNITY FINANCIAL $85,000 n/a 0.0%
    DAS Acquisition Company, LLC $85,000 n/a 0.0%
    DOMINION FINANCIAL SERVICES, LLC $85,000 n/a 0.0%
    GENISYS $85,000 n/a 0.0%
    MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION $85,000 n/a 0.0%
    BMO Harris Bank $75,000 n/a 0.0%
    NORTHERN MORTGAGE SERVICES, LLC $350,000 $75,000 -78.6% 0.0%
    Superior Credit Union, Inc. $185,000 $75,000 -59.5% 0.0%
    VANDERBILT MORTGAGE AND FINANCE, INC. $75,000 n/a 0.0%
    ZILLOW HOME LOANS, LLC $205,000 $75,000 -63.4% 0.0%
    PHH Mortgage Corporation $65,000 n/a 0.0%
    The Richwood Banking Company $65,000 n/a 0.0%
    Discover Bank $275,000 $55,000 -80.0% 0.0%
    PENTAGON FEDERAL CREDIT UNION $55,000 n/a 0.0%
    AMERICAN ADVISORS GROUP $120,000 $35,000 -70.8% 0.0%
    Lakeview Community Capital, LLC $25,000 n/a 0.0%

    Sandusky's top lender by overall market share is Civista Bank, with 17.9% market share. In second place, with 6.7%, is The Huntington National Bank, having originated $21,505,000 in loans. In third place, with 6.7%, is QUICKEN LOANS, LLC, having originated $21,255,000 in loans. In fourth place, with 5.0%, is KeyBank, having originated $16,120,000 in loans. In fifth place, with 4.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $14,025,000 in loans.

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

    Realtor.com - Sandusky (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 $167,450 (-1.5%) $258,150 (12.9%) 0.00 319
    2018-02-01 $183,650 (8.1%) $268,132 (13.4%) 0.00 317
    2018-03-01 $188,250 (10.8%) $286,905 (19.3%) 0.00 304
    2018-04-01 $196,950 (12.7%) $289,430 (18.1%) 0.00 318
    2018-05-01 $199,150 (15.5%) $283,353 (17.7%) 0.00 343
    2018-06-01 $209,900 (17.0%) $286,864 (14.6%) 0.00 356
    2018-07-01 $199,400 (8.0%) $273,150 (5.4%) 0.00 368
    2018-08-01 $204,900 (15.3%) $278,943 (10.1%) 0.00 365
    2018-09-01 $210,000 (16.7%) $285,900 (10.7%) 0.00 363
    2018-10-01 $201,450 (15.2%) $281,983 (10.4%) 0.00 342
    2018-11-01 $195,875 (15.2%) $273,411 (0.6%) 0.00 317
    2018-12-01 $198,800 (17.0%) $271,849 (6.9%) 0.00 298
    2019-01-01 $189,900 (13.4%) $264,433 (2.4%) 0.00 305
    2019-02-01 $188,950 (2.9%) $253,455 (-5.5%) 0.00 316
    2019-03-01 $189,329 (0.6%) $255,578 (-10.9%) 0.00 309
    2019-04-01 $189,900 (-3.6%) $258,074 (-10.8%) 0.00 303
    2019-05-01 $202,350 (1.6%) $254,181 (-10.3%) 0.00 312
    2019-06-01 $219,750 (4.7%) $267,999 (-6.6%) 0.00 308
    2019-07-01 $219,925 (10.3%) $267,303 (-2.1%) 0.00 312
    2019-08-01 $215,482 (5.2%) $267,819 (-4.0%) 0.00 309
    2019-09-01 $216,280 (3.0%) $273,292 (-4.4%) 0.00 303
    2019-10-01 $218,175 (8.3%) $276,837 (-1.8%) 0.00 299
    2019-11-01 $219,450 (12.0%) $270,768 (-1.0%) 0.00 287
    2019-12-01 $209,450 (5.4%) $267,588 (-1.6%) 0.00 276
    2020-01-01 $218,650 (15.1%) $272,840 (3.2%) 0.00 256
    2020-02-01 $204,900 (8.4%) $269,569 (6.4%) 0.00 232
    2020-03-01 $239,900 (26.7%) $289,811 (13.4%) 0.00 218
    2020-04-01 $249,900 (31.6%) $307,922 (19.3%) 0.00 212
    2020-05-01 $244,500 (20.8%) $307,434 (21.0%) 0.00 192
    2020-06-01 $243,175 (10.7%) $304,252 (13.5%) 0.00 174
    2020-07-01 $258,050 (17.3%) $319,364 (19.5%) 0.00 164
    2020-08-01 $269,000 (24.8%) $330,564 (23.4%) 0.00 154
    2020-09-01 $241,675 (11.7%) $295,215 (8.0%) 0.00 164
    2020-10-01 $228,900 (4.9%) $300,964 (8.7%) 0.00 171
    2020-11-01 $223,225 (1.7%) $306,826 (13.3%) 0.00 151
    2020-12-01 $237,675 (13.5%) $298,165 (11.4%) 0.00 139
    2021-01-01 $239,900 (9.7%) $309,130 (13.3%) 0.00 131
    2021-02-01 $244,900 (19.5%) $333,446 (23.7%) 0.00 108
    2021-03-01 $263,475 (9.8%) $400,437 (38.2%) 0.00 92
    2021-04-01 $274,450 (9.8%) $419,366 (36.2%) 0.00 92
    2021-05-01 $247,400 (1.2%) $374,230 (21.7%) 0.00 94
    2021-06-01 $224,925 (-7.5%) $361,850 (18.9%) 0.00 103
    2021-07-01 $224,900 (-12.9%) $331,287 (3.7%) 0.00 119
    2021-08-01 $254,900 (-5.2%) $358,378 (8.4%) 0.00 110
    2021-09-01 $244,925 (1.3%) $373,124 (26.4%) 0.00 107
    2021-10-01 $212,400 (-7.2%) $351,384 (16.8%) 0.00 122
    2021-11-01 $244,500 (9.5%) $374,951 (22.2%) 0.00 132
    2021-12-01 $233,700 (-1.7%) $383,799 (28.7%) 0.00 107
    2022-01-01 $247,900 (3.3%) $396,951 (28.4%) 0.00 73
    2022-02-01 $257,475 (5.1%) $386,639 (16.0%) 0.00 67
    2022-03-01 $274,950 (4.4%) $449,591 (12.3%) 0.00 64
    2022-04-01 $249,900 (-9.0%) $417,565 (-0.4%) 0.00 80
    2022-05-01 $258,750 (4.6%) $393,222 (5.1%) 0.00 81
    2022-06-01 $269,175 (19.7%) $364,134 (0.6%) 0.00 86
    2022-07-01 $244,450 (8.7%) $332,720 (0.4%) 0.00 104
    2022-08-01 $218,700 (-14.2%) $328,555 (-8.3%) 0.00 104
    2022-09-01 $239,500 (-2.2%) $347,708 (-6.8%) 0.00 98
    2022-10-01 $220,000 (3.6%) $335,863 (-4.4%) 0.00 113
    2022-11-01 $224,425 (-8.2%) $333,107 (-11.2%) 0.00 108
    2022-12-01 $242,000 (3.6%) $365,462 (-4.8%) 0.00 93
    2023-01-01 $244,725 (-1.3%) $373,408 (-5.9%) 0.00 87
    2023-02-01 $264,900 (2.9%) $415,486 (7.5%) 0.00 74
    2023-03-01 $273,425 (-0.6%) $409,720 (-8.9%) 0.00 84
    2023-04-01 $249,839 (0.0%) $368,456 (-11.8%) 0.00 93
    2023-05-01 $257,450 (-0.5%) $368,072 (-6.4%) 0.00 98
    2023-06-01 $333,900 (24.1%) $431,016 (18.4%) 0.00 106
    2023-07-01 $339,950 (39.1%) $441,031 (32.6%) 0.00 101
    2023-08-01 $314,950 (44.0%) $418,541 (27.4%) 0.00 112
    2023-09-01 $319,900 (33.6%) $393,497 (13.2%) 0.00 125
    2023-10-01 $333,700 (51.7%) $439,330 (30.8%) 0.00 120
    2023-11-01 $325,000 (44.8%) $433,970 (30.3%) 0.00 117
    Sandusky's median listing price for 2023-11-01 was $325,000, a difference of $100,575 (44.8%) versus the prior year and $-8,700 versus the prior month.

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

    Sandusky's average listing price for 2023-11-01 was $433,970, a difference of $100,863 (30.3%) versus the prior year and $-5,360 versus the prior month.

    For the 2023-11-01 period, Sandusky had 117 MLS listings, a difference of -3 listings (-3%) versus the prior month and 9 listings (8%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Sandusky (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,680 sqft
    2018-02-01 0 days 1,698 sqft
    2018-03-01 0 days 1,699 sqft
    2018-04-01 0 days 1,702 sqft
    2018-05-01 0 days 1,695 sqft
    2018-06-01 0 days 1,750 sqft
    2018-07-01 0 days 1,781 sqft
    2018-08-01 0 days 1,800 sqft
    2018-09-01 0 days 1,800 sqft
    2018-10-01 0 days 1,841 sqft
    2018-11-01 0 days 1,810 sqft
    2018-12-01 0 days 1,816 sqft
    2019-01-01 0 days 1,775 sqft
    2019-02-01 0 days 1,708 sqft
    2019-03-01 0 days 1,732 sqft
    2019-04-01 0 days 1,759 sqft
    2019-05-01 0 days 1,704 sqft
    2019-06-01 0 days 1,727 sqft
    2019-07-01 0 days 1,738 sqft
    2019-08-01 0 days 1,770 sqft
    2019-09-01 0 days 1,817 sqft
    2019-10-01 0 days 1,843 sqft
    2019-11-01 0 days 1,850 sqft
    2019-12-01 0 days 1,891 sqft
    2020-01-01 0 days 1,892 sqft
    2020-02-01 0 days 1,785 sqft
    2020-03-01 0 days 1,849 sqft
    2020-04-01 0 days 1,860 sqft
    2020-05-01 0 days 1,817 sqft
    2020-06-01 0 days 1,807 sqft
    2020-07-01 0 days 1,788 sqft
    2020-08-01 0 days 1,877 sqft
    2020-09-01 0 days 1,790 sqft
    2020-10-01 0 days 1,768 sqft
    2020-11-01 0 days 1,750 sqft
    2020-12-01 0 days 1,747 sqft
    2021-01-01 0 days 1,608 sqft
    2021-02-01 0 days 1,593 sqft
    2021-03-01 0 days 1,691 sqft
    2021-04-01 0 days 1,837 sqft
    2021-05-01 0 days 1,747 sqft
    2021-06-01 0 days 1,678 sqft
    2021-07-01 0 days 1,690 sqft
    2021-08-01 0 days 1,783 sqft
    2021-09-01 0 days 1,826 sqft
    2021-10-01 0 days 1,718 sqft
    2021-11-01 0 days 1,840 sqft
    2021-12-01 0 days 1,771 sqft
    2022-01-01 0 days 1,708 sqft
    2022-02-01 0 days 1,859 sqft
    2022-03-01 0 days 1,824 sqft
    2022-04-01 0 days 1,700 sqft
    2022-05-01 0 days 1,695 sqft
    2022-06-01 0 days 1,788 sqft
    2022-07-01 0 days 1,680 sqft
    2022-08-01 0 days 1,692 sqft
    2022-09-01 0 days 1,838 sqft
    2022-10-01 0 days 1,700 sqft
    2022-11-01 0 days 1,591 sqft
    2022-12-01 0 days 1,612 sqft
    2023-01-01 0 days 1,618 sqft
    2023-02-01 0 days 1,654 sqft
    2023-03-01 0 days 1,608 sqft
    2023-04-01 0 days 1,562 sqft
    2023-05-01 0 days 1,601 sqft
    2023-06-01 0 days 1,742 sqft
    2023-07-01 0 days 1,688 sqft
    2023-08-01 0 days 1,690 sqft
    2023-09-01 0 days 1,759 sqft
    2023-10-01 0 days 1,715 sqft
    2023-11-01 0 days 1,723 sqft
    Sandusky's median listing age (time on market) for 2023-11-01 was 0 days.

    Sandusky's median square footage for active listings during the 2023-11-01 period was 1,723 sqft. One year prior, the average listing was 1,591 sqft.

    Sandusky, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 920 $183,840,000 $199,826
    Cash Out Refi 351 $55,665,000 $158,590
    Other 262 $31,330,000 $119,580
    Refi 239 $33,955,000 $142,071
    Home Improvement 130 $14,620,000 $112,462

    Sandusky's most frequently cited loan purpose was Home Purchase, with 920 originations. The 2nd most popular reason was Cash Out Refi, with 351 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 465 $75,425,000 $162,204
    4-5% 434 $82,270,000 $189,562
    5-6% 429 $72,825,000 $169,755
    6-7% 229 $34,965,000 $152,686
    2.5-3% 109 $22,175,000 $203,440
    7-8% 83 $9,965,000 $120,060
    <2.5% 81 $13,595,000 $167,840
    Over 8% 39 $2,635,000 $67,564

    During 2022, Sandusky's most frequently originated rate bucket was 3-4%, with 465 originations.

    Loan Sizing (Sandusky, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 756 $108,900,000 $144,048
    $100,000 or less 630 $40,780,000 $64,730
    $200k-400k 430 $115,160,000 $267,814
    $400k-600k 58 $28,150,000 $485,345
    $600k-1000k 20 $14,230,000 $711,500
    $Over $1MM 8 $12,190,000 $1,523,750

    Sandusky's loan sizing saw the bucket of loans from $100k-200k with 756 originations, totaling $108,900,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 677 $137,785,000 $203,523
    60-80% 541 $99,655,000 $184,205
    40-60% 258 $39,980,000 $154,961
    20-40% 257 $27,335,000 $106,362
    Under 20% 114 $4,400,000 $38,596
    Over 100% 18 $4,880,000 $271,111

    Sandusky's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 677 originations, totaling $137,785,000 in origination value.