Mortgage lending in Ashland County
1,143 mortgages were originated in Ashland County, Ohio, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,143
- Median rate
- 6.875%
- Median lender fees
- $4,384
- Median loan amount
- $145,000
- Median spread over APOR
- 0.470
- Paid discount points
- 31.6%
- Received lender credits
- 17.2%
- Purchases / refinances
- 46.5% / 30.2%
- Conventional / FHA / VA
- 79.1% / 13.6% / 6.7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 67.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Ashland County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Huntington National Bank | 189 | $3,768 | 7.890% |
| The Park National Bank | 97 | $3,728 | 7.250% |
| CROSSCOUNTRY MORTGAGE, INC. | 87 | $8,301 | 6.750% |
| MECHANICS BANK | 83 | $2,519 | 6.450% |
| Rocket Mortgage, LLC | 76 | $6,307 | 6.500% |
What lenders charged here
Lender fees on a $145,000 loan, based on what was actually charged in Ashland County — not a rule of thumb.
From 767 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers