ALBANY - SCHENECTADY - TROY Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Albany - Schenectady - Troy averaged
6.06%
for the week of 2024-11-14, compared to the national average of
6.78% for the same period.
The average rate for the prior week (2024-11-07) was
6.17% and
one month ago for the week of 2024-10-10, the
average rate was 5.9%.
Albany - Schenectady - Troy's average rate one year ago was 7.08%.
For refis of the same type during the week of 2024-11-14, the average rate
was 7.1%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-14 | 6.78% |
| Albany - Schenectady - Troy 30 Year Fixed Rate | 2024-11-14 | 6.06% |
| Albany - Schenectady - Troy 30 Year Fixed Rate Refi | 2024-11-14 | 7.1% |
| Albany - Schenectady - Troy 15 Year Fixed Rate | 2024-11-14 | 6.16% |
| Albany - Schenectady - Troy 15 Year Fixed Rate Refi | 2024-11-14 | 6.73% |
| Albany - Schenectady - Troy 30 Year FHA | 2024-11-14 | -0.33% |
| Albany - Schenectady - Troy 30 Year FHA Refi | 2024-11-14 | 0.2% |
| Albany - Schenectady - Troy 30 Year USDA | 2024-11-14 | 0.1% |
| Albany - Schenectady - Troy 30 Year USDA Refi | 2024-11-14 | 0.2% |
| Albany - Schenectady - Troy 30 Year VA | 2024-11-14 | -0.01% |
| Albany - Schenectady - Troy 30 Year VA Refi | 2024-11-14 | -0.2% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ALBANY-SCHENECTADY-TROY, NY.
ALBANY - SCHENECTADY - TROY 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 ALBANY-SCHENECTADY-TROY, NY 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.).
ALBANY - SCHENECTADY - TROY Average Closing Costs & Other Stats
ALBANY-SCHENECTADY-TROY, NY's 149 lenders originated 16,162
loans during 2023. The total origination value was $3,502,520,000, with an average loan value of
$216,713.
ALBANY - SCHENECTADY - TROY's average closing costs are $4,919.
The top ALBANY - SCHENECTADY - TROY lender as defined by loan originations is SEFCU SERVICES, LLC, with
2,064 loans originated. Their average total fees are
$4,363, which is $409
lower than the next largest lender,
HOMESTEAD FUNDING CORP..
The lowest fee ALBANY - SCHENECTADY - TROY lenders (with over 10 loans originated) are
Community Bank ($1,524), Bank of Richmondville ($1,567), HUDSON RIVER COMMUNITY ($2,399), TrustCo Bank ($3,414) and Saratoga National Bank and Trust Company ($4,048).
The lowest rate ALBANY - SCHENECTADY - TROY lenders (with over 10 loans originated) are
SEFCU SERVICES, LLC (5.46%), Glens Falls National Bank and Trust Company (5.56%), Saratoga National Bank and Trust Company (5.59%), NBT Bank (5.80%) and Morgan Stanley Private Bank (5.92%).
ALBANY-SCHENECTADY-TROY, NY 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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| SEFCU SERVICES, LLC | $479,205,000 | $658,375,000 | 37.4% | 18.8% |
| HOMESTEAD FUNDING CORP. | $489,355,000 | $341,240,000 | -30.3% | 9.7% |
| STATE EMPLOYEES FEDERAL CREDIT UNION | $257,100,000 | $267,685,000 | 4.1% | 7.6% |
| TrustCo Bank | $290,605,000 | $182,045,000 | -37.4% | 5.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $185,275,000 | $167,340,000 | -9.7% | 4.8% |
| SUNMARK FEDERAL CREDIT UNION | $249,775,000 | $121,715,000 | -51.3% | 3.5% |
| Saratoga National Bank and Trust Company | $167,490,000 | $116,350,000 | -30.5% | 3.3% |
| QUICKEN LOANS, LLC | $188,945,000 | $104,995,000 | -44.4% | 3.0% |
| Chemung Canal Trust Company | $169,670,000 | $77,485,000 | -54.3% | 2.2% |
| Ballston Spa National Bank | $124,235,000 | $68,040,000 | -45.2% | 1.9% |
| KeyBank | $142,480,000 | $63,895,000 | -55.2% | 1.8% |
| Citizens Bank | $111,785,000 | $61,590,000 | -44.9% | 1.8% |
| Premium Mortgage Corporation | $73,605,000 | $58,720,000 | -20.2% | 1.7% |
| Arbor Realty Trust, Inc. | $53,310,000 | n/a | 1.5% | |
| FIRST NEW YORK | $77,675,000 | $51,875,000 | -33.2% | 1.5% |
| M&T Bank | $102,065,000 | $43,880,000 | -57.0% | 1.3% |
| Pioneer Bank | $42,680,000 | $43,805,000 | 2.6% | 1.3% |
| NBT Bank | $80,050,000 | $42,890,000 | -46.4% | 1.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $39,295,000 | $37,785,000 | -3.8% | 1.1% |
| Community Bank | $43,820,000 | $37,480,000 | -14.5% | 1.1% |
| Bank of America | $97,360,000 | $34,550,000 | -64.5% | 1.0% |
| The Adirondack Trust Company | $120,905,000 | $32,835,000 | -72.8% | 0.9% |
| Berkshire Bank | $71,490,000 | $32,195,000 | -55.0% | 0.9% |
| Flagstar Bank, FSB | $22,710,000 | $29,390,000 | 29.4% | 0.8% |
| Webster Bank | $1,190,000 | $28,620,000 | 2,305.0% | 0.8% |
| GREYSTONE SERVICING COMPANY LLC | $28,585,000 | n/a | 0.8% | |
| PLAZA HOME MORTGAGE, INC. | $43,980,000 | $28,255,000 | -35.8% | 0.8% |
| MOVEMENT MORTGAGE, LLC | $33,555,000 | $28,115,000 | -16.2% | 0.8% |
| NEWREZ LLC | $12,270,000 | $27,915,000 | 127.5% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $34,435,000 | $25,785,000 | -25.1% | 0.7% |
| First National Bank of Scotia | $35,970,000 | $24,500,000 | -31.9% | 0.7% |
| JPMorgan Chase Bank | $41,265,000 | $24,375,000 | -40.9% | 0.7% |
| The National Bank of Coxsackie | $46,790,000 | $23,965,000 | -48.8% | 0.7% |
| GUARANTEED RATE, INC. | $26,745,000 | $23,100,000 | -13.6% | 0.7% |
| Glens Falls National Bank and Trust Company | $35,395,000 | $20,400,000 | -42.4% | 0.6% |
| Mortgage Research Center, LLC | $27,115,000 | $19,205,000 | -29.2% | 0.5% |
| Evolve Bank & Trust | $20,030,000 | $17,800,000 | -11.1% | 0.5% |
| TD Bank | $20,800,000 | $16,610,000 | -20.1% | 0.5% |
| Barings Multifamily Capital | $15,895,000 | n/a | 0.5% | |
| 1ST PRIORITY MORTGAGE, INC. | $18,730,000 | $14,805,000 | -21.0% | 0.4% |
| Wells Fargo Bank | $45,380,000 | $14,275,000 | -68.5% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $28,415,000 | $13,125,000 | -53.8% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $10,455,000 | $12,310,000 | 17.7% | 0.4% |
| The Bank of Greene County | $25,855,000 | $12,045,000 | -53.4% | 0.3% |
| HUNT MORTGAGE CORPORATION | $11,755,000 | $11,000,000 | -6.4% | 0.3% |
| PENNYMAC LOAN SERVICES, LLC | $3,085,000 | $9,945,000 | 222.4% | 0.3% |
| EMM LOANS LLC | $1,850,000 | $9,430,000 | 409.7% | 0.3% |
| LOANDEPOT.COM, LLC | $24,110,000 | $7,900,000 | -67.2% | 0.2% |
| HUDSON VALLEY CREDIT UNION | $8,705,000 | $7,675,000 | -11.8% | 0.2% |
| USAA Federal Savings Bank | $10,375,000 | $7,495,000 | -27.8% | 0.2% |
| US MORTGAGE CORPORATION | $895,000 | $7,395,000 | 726.3% | 0.2% |
| A&D Mortgage LLC | $6,525,000 | $6,860,000 | 5.1% | 0.2% |
| Morgan Stanley Private Bank | $4,410,000 | $6,495,000 | 47.3% | 0.2% |
| Farm Credit East, ACA | $6,110,000 | $6,100,000 | -0.2% | 0.2% |
| GUIDANCE RESIDENTIAL, LLC | $3,530,000 | $5,865,000 | 66.1% | 0.2% |
| U.S. Bank | $5,625,000 | $5,820,000 | 3.5% | 0.2% |
| HUDSON RIVER COMMUNITY | $13,840,000 | $5,570,000 | -59.8% | 0.2% |
| AMWEST FUNDING CORP. | $5,540,000 | n/a | 0.2% | |
| RELIANCE FIRST CAPITAL, LLC | $7,725,000 | $5,480,000 | -29.1% | 0.2% |
| Bank of Richmondville | $6,220,000 | $5,360,000 | -13.8% | 0.2% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $4,010,000 | $4,935,000 | 23.1% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $3,240,000 | $4,875,000 | 50.5% | 0.1% |
| Discover Bank | $3,285,000 | $4,830,000 | 47.0% | 0.1% |
| School Systems FCU | $4,690,000 | n/a | 0.1% | |
| Citibank | $4,170,000 | $4,510,000 | 8.2% | 0.1% |
| 21ST MORTGAGE CORPORATION | $4,490,000 | $3,745,000 | -16.6% | 0.1% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $3,015,000 | $3,475,000 | 15.3% | 0.1% |
| UIF CORPORATION | $2,570,000 | $3,335,000 | 29.8% | 0.1% |
| PHH Mortgage Corporation | $675,000 | $3,330,000 | 393.3% | 0.1% |
| FREEDOM MORTGAGE CORPORATION | $11,225,000 | $3,315,000 | -70.5% | 0.1% |
| BETTER MORTGAGE CORPORATION | $4,500,000 | $3,160,000 | -29.8% | 0.1% |
| Hometown Equity Mortgage, LLC | $1,905,000 | $2,965,000 | 55.6% | 0.1% |
| CMG MORTGAGE, INC. | $900,000 | $2,955,000 | 228.3% | 0.1% |
| Plains Commerce Bank | $440,000 | $2,950,000 | 570.5% | 0.1% |
| CARDINAL FINANCIAL | $4,410,000 | $2,835,000 | -35.7% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $2,595,000 | $2,800,000 | 7.9% | 0.1% |
| First Savings Bank | $5,115,000 | $2,780,000 | -45.7% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $5,245,000 | $2,745,000 | -47.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $3,400,000 | $2,740,000 | -19.4% | 0.1% |
| Carrington Mortgage Services, LLC | $6,395,000 | $2,710,000 | -57.6% | 0.1% |
| COMMUNITY RESOURCE FEDERAL CREDIT UNION | $4,475,000 | $2,685,000 | -40.0% | 0.1% |
| NBKC BANK | $3,760,000 | $2,680,000 | -28.7% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $2,565,000 | $2,610,000 | 1.8% | 0.1% |
| NP, Inc. | $9,345,000 | $2,570,000 | -72.5% | 0.1% |
| Metro City Bank | $4,120,000 | $2,550,000 | -38.1% | 0.1% |
| LIMA ONE CAPITAL, LLC | $1,850,000 | $2,475,000 | 33.8% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $8,275,000 | $2,460,000 | -70.3% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $3,620,000 | $2,405,000 | -33.6% | 0.1% |
| Ulster Savings Bank | $250,000 | $2,385,000 | 854.0% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $3,575,000 | $2,375,000 | -33.6% | 0.1% |
| TOTAL MORTGAGE SERVICES, LLC | $1,615,000 | $2,350,000 | 45.5% | 0.1% |
| CONTOUR MORTGAGE CORPORATION | $6,255,000 | $2,260,000 | -63.9% | 0.1% |
| AMERICAN FINANCING CORPORATION | $4,165,000 | $2,100,000 | -49.6% | 0.1% |
| TCT | $9,780,000 | $2,100,000 | -78.5% | 0.1% |
| Logan Finance Corporation | $2,095,000 | n/a | 0.1% | |
| SIRVA MORTGAGE, INC. | $1,695,000 | $2,060,000 | 21.5% | 0.1% |
| PNC Bank | $15,750,000 | $2,045,000 | -87.0% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $2,995,000 | $2,040,000 | -31.9% | 0.1% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | $1,190,000 | $1,990,000 | 67.2% | 0.1% |
| ORIX REAL ESTATE CAPITAL, LLC | $8,415,000 | $1,985,000 | -76.4% | 0.1% |
| CLIFFCO, INC. | $605,000 | $1,885,000 | 211.6% | 0.1% |
| The Federal Savings Bank | $1,820,000 | $1,865,000 | 2.5% | 0.1% |
| ARC HOME LLC | $1,630,000 | $1,845,000 | 13.2% | 0.1% |
| PLANET HOME LENDING, LLC | $1,830,000 | n/a | 0.1% | |
| AMERICU Credit Union | $870,000 | $1,775,000 | 104.0% | 0.1% |
| Ally Bank | $1,730,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $3,090,000 | $1,705,000 | -44.8% | 0.0% |
| EMBRACE HOME LOANS, INC. | $2,235,000 | $1,680,000 | -24.8% | 0.0% |
| MORTGAGE ACCESS CORP. | $2,890,000 | $1,620,000 | -43.9% | 0.0% |
| East Coast Capital Corp. | $1,180,000 | $1,600,000 | 35.6% | 0.0% |
| Salisbury Bank and Trust Company | $145,000 | $1,535,000 | 958.6% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $1,395,000 | $1,520,000 | 9.0% | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,365,000 | n/a | 0.0% | |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | $425,000 | $1,320,000 | 210.6% | 0.0% |
| Quontic Bank | $4,425,000 | $1,295,000 | -70.7% | 0.0% |
| LENDINGONE, LLC | $245,000 | $1,255,000 | 412.2% | 0.0% |
| GREYLOCK | $1,940,000 | $1,210,000 | -37.6% | 0.0% |
| MID-HUDSON VALLEY | $555,000 | $1,120,000 | 101.8% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $1,425,000 | $1,085,000 | -23.9% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,250,000 | $1,060,000 | -15.2% | 0.0% |
| Goldman Sachs Bank USA | $2,780,000 | $975,000 | -64.9% | 0.0% |
| Sawyer Savings Bank | $125,000 | $955,000 | 664.0% | 0.0% |
| UBS Bank USA | $2,665,000 | $945,000 | -64.5% | 0.0% |
| HARTFORD FUNDING, LTD. | $980,000 | $935,000 | -4.6% | 0.0% |
| Valley National Bank | $6,885,000 | $935,000 | -86.4% | 0.0% |
| FIRST TECHNOLOGY | $930,000 | n/a | 0.0% | |
| FM Home Loans, LLC | $1,335,000 | $870,000 | -34.8% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $1,130,000 | $825,000 | -27.0% | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | $820,000 | n/a | 0.0% | |
| Equity Prime Mortgage LLC | $2,970,000 | $810,000 | -72.7% | 0.0% |
| Centier Bank | $805,000 | n/a | 0.0% | |
| Municipal Credit Union | $1,215,000 | $805,000 | -33.7% | 0.0% |
| PREMIA MORTGAGE, LLC | $780,000 | $780,000 | 0.0% | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | $1,195,000 | $755,000 | -36.8% | 0.0% |
| Magnolia Bank | $635,000 | $755,000 | 18.9% | 0.0% |
| Empower Federal Credit Union | $1,440,000 | $745,000 | -48.3% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $360,000 | $745,000 | 106.9% | 0.0% |
| The Lyons National Bank | $255,000 | $690,000 | 170.6% | 0.0% |
| GREENWOOD | $510,000 | $670,000 | 31.4% | 0.0% |
| Rondout Savings Bank | $1,215,000 | $670,000 | -44.9% | 0.0% |
| NJ LENDERS CORP. | $3,285,000 | $660,000 | -79.9% | 0.0% |
| Adams Community Bank | $315,000 | $630,000 | 100.0% | 0.0% |
| DIGITAL Federal Credit Union | $455,000 | $630,000 | 38.5% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $260,000 | $625,000 | 140.4% | 0.0% |
| Lee Bank | $305,000 | $610,000 | 100.0% | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | $4,025,000 | $610,000 | -84.8% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $1,690,000 | $605,000 | -64.2% | 0.0% |
| Bank of England | $735,000 | $600,000 | -18.4% | 0.0% |
| LYNX MORTGAGE BANK LLC | $105,000 | $585,000 | 457.1% | 0.0% |
| TEACHERS | $445,000 | $570,000 | 28.1% | 0.0% |
| Wayne Bank | $1,925,000 | $560,000 | -70.9% | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $545,000 | n/a | 0.0% | |
| Armed Forces Bank | $525,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $365,000 | $520,000 | 42.5% | 0.0% |
| MID-ISLAND MORTGAGE CORP. | $805,000 | $485,000 | -39.8% | 0.0% |
| Farmers Bank & Trust | $295,000 | $480,000 | 62.7% | 0.0% |
| First Central Savings Bank | $235,000 | $460,000 | 95.7% | 0.0% |
| Citadel Servicing Corporation | $350,000 | $455,000 | 30.0% | 0.0% |
| MEMBERS 1ST FEDERAL CREDIT UNION | $445,000 | n/a | 0.0% | |
| Raymond James Bank | $435,000 | n/a | 0.0% | |
| Northpointe Bank | $1,500,000 | $420,000 | -72.0% | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $405,000 | n/a | 0.0% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $325,000 | $385,000 | 18.5% | 0.0% |
| Community First National Bank | $385,000 | n/a | 0.0% | |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $205,000 | $380,000 | 85.4% | 0.0% |
| Stifel Bank and Trust | $595,000 | $365,000 | -38.7% | 0.0% |
| Tioga State Bank | $365,000 | n/a | 0.0% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $1,770,000 | $360,000 | -79.7% | 0.0% |
| Chambers Bank | $355,000 | n/a | 0.0% | |
| Fifth Third Bank | $355,000 | n/a | 0.0% | |
| TEG Federal Credit Union | $355,000 | n/a | 0.0% | |
| LAKEVIEW LOAN SERVICING, LLC | $350,000 | n/a | 0.0% | |
| Sentry Bank | $345,000 | n/a | 0.0% | |
| Nassau Educators Federal Credit Union | $480,000 | $320,000 | -33.3% | 0.0% |
| Tompkins Trust Company | $315,000 | n/a | 0.0% | |
| Northwest Bank | $1,860,000 | $305,000 | -83.6% | 0.0% |
| NORTHERN CREDIT UNION | $455,000 | $300,000 | -34.1% | 0.0% |
| CIBM Bank | $295,000 | n/a | 0.0% | |
| Genesee Regional Bank | $295,000 | n/a | 0.0% | |
| ConnectOne Bank | $395,000 | $285,000 | -27.8% | 0.0% |
| PATRIOT ONE MORTGAGE BANKERS, LLC | $285,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $2,405,000 | $280,000 | -88.4% | 0.0% |
| State Department Federal Credit Union | $275,000 | n/a | 0.0% | |
| The Pittsfield Co-operative Bank | $275,000 | n/a | 0.0% | |
| First IC Corporation | $265,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $825,000 | $265,000 | -67.9% | 0.0% |
| Alerus Financial | $255,000 | n/a | 0.0% | |
| FOUNDATION MORTGAGE CORPORATION | $255,000 | n/a | 0.0% | |
| NORWICH COMMERCIAL GROUP, INC. | $115,000 | $255,000 | 121.7% | 0.0% |
| BLAIR SERVICES OF AMERICA INC. | $210,000 | $245,000 | 16.7% | 0.0% |
| Leader Bank | $470,000 | $245,000 | -47.9% | 0.0% |
| North American Savings Bank, F.S.B. | $2,585,000 | $235,000 | -90.9% | 0.0% |
| Cathay Bank | $165,000 | $230,000 | 39.4% | 0.0% |
| First Horizon Bank | $225,000 | n/a | 0.0% | |
| Willamette Valley Bank | $225,000 | n/a | 0.0% | |
| Cache Valley Bank | $215,000 | n/a | 0.0% | |
| Truist | $395,000 | $215,000 | -45.6% | 0.0% |
| HOME TOWN FUNDING, INC. | $1,390,000 | $205,000 | -85.3% | 0.0% |
| HUDSON HERITAGE | $500,000 | $205,000 | -59.0% | 0.0% |
| The Canandaigua National Bank and Trust Company | $205,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $195,000 | n/a | 0.0% | |
| BM Real Estate Services, Inc. | $195,000 | n/a | 0.0% | |
| CORNING | $775,000 | $195,000 | -74.8% | 0.0% |
| SILVER HILL FUNDING, LLC | $750,000 | $195,000 | -74.0% | 0.0% |
| The People's Credit Union | $605,000 | $195,000 | -67.8% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $85,000 | $190,000 | 123.5% | 0.0% |
| Industrial and Commercial Bank of China USA | $185,000 | n/a | 0.0% | |
| ALLEGACY FEDERAL CREDIT UNION | $175,000 | n/a | 0.0% | |
| BayCoast Bank | $585,000 | $175,000 | -70.1% | 0.0% |
| UTILITIES EMPLOYEES CREDIT UNION | $45,000 | $175,000 | 288.9% | 0.0% |
| GHS Federal Credit Union | $165,000 | n/a | 0.0% | |
| Luxury Mortgage Corp. | $1,010,000 | $165,000 | -83.7% | 0.0% |
| RESIDENTIAL HOME FUNDING CORP. | $755,000 | $165,000 | -78.1% | 0.0% |
| First National Bank of America | $345,000 | $155,000 | -55.1% | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | $155,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $265,000 | $135,000 | -49.1% | 0.0% |
| Baxter Credit Union | $55,000 | $120,000 | 118.2% | 0.0% |
| CONSTRUCTIVE LOANS, LLC | $115,000 | n/a | 0.0% | |
| NASA Federal Credit Union | $115,000 | n/a | 0.0% | |
| PARAGON HOME LOANS INC. | $425,000 | $115,000 | -72.9% | 0.0% |
| CENTRAL ONE FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| JET DIRECT FUNDING CORP | $95,000 | n/a | 0.0% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $1,390,000 | $85,000 | -93.9% | 0.0% |
| STAR USA FEDERAL CREDIT UNION | $90,000 | $85,000 | -5.6% | 0.0% |
| USAlliance Federal Credit Union | $75,000 | n/a | 0.0% | |
| Clearview Federal Credit Union | $65,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $335,000 | $65,000 | -80.6% | 0.0% |
| Actors Federal Credit Union | $55,000 | n/a | 0.0% | |
| Adirondack Bank | $365,000 | $55,000 | -84.9% | 0.0% |
| FIRST SOURCE | $935,000 | $55,000 | -94.1% | 0.0% |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| Service Federal Credit Union | $270,000 | $55,000 | -79.6% | 0.0% |
| GFA Federal Credit Union | $45,000 | $45,000 | 0.0% | 0.0% |
| AFFINITY | $385,000 | $35,000 | -90.9% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $275,000 | $25,000 | -90.9% | 0.0% |
| SUFFOLK | $25,000 | n/a | 0.0% | |
| THE SUMMIT Federal Credit Union | $25,000 | n/a | 0.0% |
ALBANY - SCHENECTADY - TROY's top lender by overall market share is SEFCU SERVICES, LLC, with 18.8% market share. In second place, with 9.7%, is HOMESTEAD FUNDING CORP., having originated $341,240,000 in loans. In third place, with 7.6%, is STATE EMPLOYEES FEDERAL CREDIT UNION, having originated $267,685,000 in loans. In fourth place, with 5.2%, is TrustCo Bank, having originated $182,045,000 in loans. In fifth place, with 4.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $167,340,000 in loans.
ALBANY - SCHENECTADY - TROY Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - ALBANY - SCHENECTADY - TROY (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 | $277,450 (14.5%) | $331,473 (8.3%) | 1.03 | 3,263 |
| 2018-02-01 | $284,900 (14.0%) | $334,664 (7.8%) | 1.03 | 3,167 |
| 2018-03-01 | $289,900 (11.7%) | $336,706 (6.6%) | 1.02 | 3,125 |
| 2018-04-01 | $297,900 (12.4%) | $339,749 (6.0%) | 1.01 | 3,180 |
| 2018-05-01 | $296,000 (9.8%) | $336,670 (4.5%) | 0.99 | 3,482 |
| 2018-06-01 | $294,900 (9.3%) | $339,172 (5.0%) | 0.98 | 3,868 |
| 2018-07-01 | $292,200 (8.3%) | $339,654 (5.6%) | 0.98 | 4,060 |
| 2018-08-01 | $288,200 (7.5%) | $336,184 (5.5%) | 0.97 | 4,111 |
| 2018-09-01 | $289,700 (7.7%) | $336,643 (5.0%) | 0.97 | 4,209 |
| 2018-10-01 | $289,900 (8.5%) | $337,263 (5.3%) | 0.98 | 4,242 |
| 2018-11-01 | $292,450 (10.2%) | $340,275 (6.4%) | 0.99 | 4,169 |
| 2018-12-01 | $292,900 (8.5%) | $338,333 (3.7%) | 1.01 | 3,823 |
| 2019-01-01 | $299,663 (8.0%) | $343,738 (3.7%) | 1.04 | 3,460 |
| 2019-02-01 | $306,400 (7.6%) | $352,177 (5.2%) | 1.04 | 3,360 |
| 2019-03-01 | $309,428 (6.7%) | $355,005 (5.4%) | 1.01 | 3,355 |
| 2019-04-01 | $309,878 (4.0%) | $356,311 (4.9%) | 0.98 | 3,411 |
| 2019-05-01 | $299,900 (1.3%) | $351,297 (4.3%) | 0.94 | 3,534 |
| 2019-06-01 | $299,500 (1.6%) | $350,339 (3.3%) | 0.94 | 3,692 |
| 2019-07-01 | $299,450 (2.5%) | $346,634 (2.1%) | 0.94 | 3,720 |
| 2019-08-01 | $294,198 (2.1%) | $341,374 (1.5%) | 0.93 | 3,838 |
| 2019-09-01 | $291,780 (0.7%) | $340,545 (1.2%) | 0.93 | 3,896 |
| 2019-10-01 | $289,900 (0.0%) | $340,576 (1.0%) | 0.94 | 3,913 |
| 2019-11-01 | $289,900 (-0.9%) | $338,208 (-0.6%) | 0.95 | 3,510 |
| 2019-12-01 | $294,300 (0.5%) | $340,101 (0.5%) | 0.98 | 3,157 |
| 2020-01-01 | $295,825 (-1.3%) | $339,778 (-1.2%) | 0.99 | 2,854 |
| 2020-02-01 | $304,900 (-0.5%) | $344,026 (-2.3%) | 1.00 | 2,704 |
| 2020-03-01 | $312,500 (1.0%) | $347,697 (-2.1%) | 0.98 | 2,667 |
| 2020-04-01 | $317,000 (2.3%) | $353,712 (-0.7%) | 0.99 | 2,493 |
| 2020-05-01 | $320,900 (7.0%) | $359,151 (2.2%) | 0.98 | 2,452 |
| 2020-06-01 | $338,950 (13.2%) | $372,687 (6.4%) | 1.00 | 2,425 |
| 2020-07-01 | $342,400 (14.3%) | $378,251 (9.1%) | 0.99 | 2,315 |
| 2020-08-01 | $339,900 (15.5%) | $391,242 (14.6%) | 0.97 | 2,242 |
| 2020-09-01 | $335,000 (14.8%) | $393,393 (15.5%) | 0.96 | 2,246 |
| 2020-10-01 | $335,650 (15.8%) | $395,944 (16.3%) | 0.96 | 2,224 |
| 2020-11-01 | $337,350 (16.4%) | $398,023 (17.7%) | 0.99 | 2,135 |
| 2020-12-01 | $339,000 (15.2%) | $399,852 (17.6%) | 1.01 | 1,932 |
| 2021-01-01 | $344,950 (16.6%) | $412,470 (21.4%) | 1.03 | 1,666 |
| 2021-02-01 | $367,900 (20.7%) | $435,353 (26.6%) | 1.07 | 1,398 |
| 2021-03-01 | $369,450 (18.2%) | $459,090 (32.0%) | 1.05 | 1,319 |
| 2021-04-01 | $370,075 (16.7%) | $460,284 (30.1%) | 1.00 | 1,309 |
| 2021-05-01 | $364,975 (13.7%) | $457,022 (27.3%) | 0.97 | 1,343 |
| 2021-06-01 | $349,900 (3.2%) | $450,633 (20.9%) | 0.92 | 1,494 |
| 2021-07-01 | $349,900 (2.2%) | $448,094 (18.5%) | 0.92 | 1,633 |
| 2021-08-01 | $344,750 (1.4%) | $443,189 (13.3%) | 0.92 | 1,728 |
| 2021-09-01 | $334,950 (0.0%) | $438,727 (11.5%) | 0.89 | 1,693 |
| 2021-10-01 | $325,000 (-3.2%) | $433,139 (9.4%) | 0.87 | 1,619 |
| 2021-11-01 | $324,900 (-3.7%) | $430,151 (8.1%) | 0.87 | 1,507 |
| 2021-12-01 | $344,300 (1.6%) | $443,245 (10.9%) | 0.93 | 1,358 |
| 2022-01-01 | $349,900 (1.4%) | $453,949 (10.1%) | 0.95 | 1,132 |
| 2022-02-01 | $367,725 (-0.1%) | $483,053 (11.0%) | 0.96 | 929 |
| 2022-03-01 | $369,700 (0.1%) | $489,862 (6.7%) | 0.93 | 888 |
| 2022-04-01 | $369,900 (-0.1%) | $483,355 (5.0%) | 0.88 | 924 |
| 2022-05-01 | $369,900 (1.4%) | $466,378 (2.1%) | 0.85 | 1,103 |
| 2022-06-01 | $369,900 (5.7%) | $468,908 (4.1%) | 0.82 | 1,281 |
| 2022-07-01 | $350,000 (0.0%) | $431,849 (-3.6%) | 0.79 | 1,468 |
| 2022-08-01 | $351,950 (2.1%) | $430,859 (-2.8%) | 0.81 | 1,476 |
| 2022-09-01 | $344,000 (2.7%) | $440,413 (0.4%) | 0.80 | 1,429 |
| 2022-10-01 | $347,500 (6.9%) | $435,175 (0.5%) | 0.82 | 1,442 |
| 2022-11-01 | $339,950 (4.6%) | $418,702 (-2.7%) | 0.82 | 1,393 |
| 2022-12-01 | $344,900 (0.2%) | $429,195 (-3.2%) | 0.85 | 1,267 |
| 2023-01-01 | $363,311 (3.8%) | $435,254 (-4.1%) | 0.90 | 1,118 |
| 2023-02-01 | $384,900 (4.7%) | $457,060 (-5.4%) | 0.93 | 1,030 |
| 2023-03-01 | $399,900 (8.2%) | $463,576 (-5.4%) | 0.94 | 926 |
| 2023-04-01 | $408,000 (10.3%) | $473,794 (-2.0%) | 0.95 | 886 |
| 2023-05-01 | $407,475 (10.2%) | $493,919 (5.9%) | 0.92 | 965 |
| 2023-06-01 | $416,950 (12.7%) | $506,074 (7.9%) | 0.94 | 1,062 |
| 2023-07-01 | $419,000 (19.7%) | $514,802 (19.2%) | 0.95 | 1,140 |
| 2023-08-01 | $419,900 (19.3%) | $513,154 (19.1%) | 0.96 | 1,220 |
| 2023-09-01 | $417,140 (21.3%) | $509,342 (15.7%) | 0.97 | 1,262 |
| 2023-10-01 | $399,394 (14.9%) | $506,474 (16.4%) | 0.94 | 1,310 |
| 2023-11-01 | $392,450 (15.4%) | $494,369 (18.1%) | 0.93 | 1,337 |
| 2023-12-01 | $399,000 (15.7%) | $495,424 (15.4%) | 0.97 | 1,209 |
| 2024-01-01 | $423,775 (16.6%) | $516,146 (18.6%) | 1.03 | 1,058 |
| 2024-02-01 | $433,960 (12.8%) | $524,089 (14.7%) | 1.04 | 985 |
| 2024-03-01 | $435,900 (9.0%) | $560,585 (20.9%) | 1.03 | 897 |
| 2024-04-01 | $449,899 (10.3%) | $575,787 (21.5%) | 1.05 | 880 |
| 2024-05-01 | $449,900 (10.4%) | $578,526 (17.1%) | 1.02 | 1,017 |
| 2024-06-01 | $449,900 (7.9%) | $578,610 (14.3%) | 1.01 | 1,181 |
| 2024-07-01 | $428,374 (2.2%) | $568,510 (10.4%) | 0.98 | 1,274 |
| 2024-08-01 | $420,000 (0.0%) | $564,187 (10.0%) | 0.98 | 1,281 |
| 2024-09-01 | $415,000 (-0.5%) | $550,655 (8.1%) | 0.98 | 1,369 |
| 2024-10-01 | $419,900 (5.1%) | $549,284 (8.5%) | 0.99 | 1,349 |
ALBANY - SCHENECTADY - TROY's median listing price for 2024-10-01 was $419,900, a difference of
$20,506
(5.1%) versus the prior year and
$4,900 versus the prior month.
ALBANY - SCHENECTADY - TROY's median listing price comes in at 99% of the national average.
ALBANY - SCHENECTADY - TROY's average listing price for 2024-10-01 was $549,284, a difference of $42,810 (8.5%) versus the prior year and $-1,371 versus the prior month.
For the 2024-10-01 period, ALBANY - SCHENECTADY - TROY had 1,349 MLS listings, a difference of -20 listings (-1%) versus the prior month and 39 listings (3%) versus the prior year.
ALBANY - SCHENECTADY - TROY's median listing price comes in at 99% of the national average.
ALBANY - SCHENECTADY - TROY's average listing price for 2024-10-01 was $549,284, a difference of $42,810 (8.5%) versus the prior year and $-1,371 versus the prior month.
For the 2024-10-01 period, ALBANY - SCHENECTADY - TROY had 1,349 MLS listings, a difference of -20 listings (-1%) versus the prior month and 39 listings (3%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - ALBANY - SCHENECTADY - TROY (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 101 days | 1,832 sqft |
| 2018-02-01 | 101 days | 1,850 sqft |
| 2018-03-01 | 89 days | 1,852 sqft |
| 2018-04-01 | 73 days | 1,869 sqft |
| 2018-05-01 | 62 days | 1,874 sqft |
| 2018-06-01 | 57 days | 1,872 sqft |
| 2018-07-01 | 62 days | 1,885 sqft |
| 2018-08-01 | 68 days | 1,874 sqft |
| 2018-09-01 | 75 days | 1,875 sqft |
| 2018-10-01 | 75 days | 1,876 sqft |
| 2018-11-01 | 77 days | 1,890 sqft |
| 2018-12-01 | 85 days | 1,874 sqft |
| 2019-01-01 | 93 days | 1,882 sqft |
| 2019-02-01 | 95 days | 1,901 sqft |
| 2019-03-01 | 85 days | 1,907 sqft |
| 2019-04-01 | 71 days | 1,901 sqft |
| 2019-05-01 | 59 days | 1,908 sqft |
| 2019-06-01 | 62 days | 1,908 sqft |
| 2019-07-01 | 68 days | 1,905 sqft |
| 2019-08-01 | 69 days | 1,893 sqft |
| 2019-09-01 | 71 days | 1,883 sqft |
| 2019-10-01 | 73 days | 1,874 sqft |
| 2019-11-01 | 80 days | 1,867 sqft |
| 2019-12-01 | 97 days | 1,851 sqft |
| 2020-01-01 | 106 days | 1,852 sqft |
| 2020-02-01 | 92 days | 1,877 sqft |
| 2020-03-01 | 72 days | 1,896 sqft |
| 2020-04-01 | 78 days | 1,886 sqft |
| 2020-05-01 | 86 days | 1,900 sqft |
| 2020-06-01 | 84 days | 1,930 sqft |
| 2020-07-01 | 64 days | 1,987 sqft |
| 2020-08-01 | 58 days | 1,941 sqft |
| 2020-09-01 | 53 days | 1,914 sqft |
| 2020-10-01 | 55 days | 1,900 sqft |
| 2020-11-01 | 66 days | 1,886 sqft |
| 2020-12-01 | 76 days | 1,876 sqft |
| 2021-01-01 | 88 days | 1,857 sqft |
| 2021-02-01 | 92 days | 1,885 sqft |
| 2021-03-01 | 71 days | 1,885 sqft |
| 2021-04-01 | 60 days | 1,886 sqft |
| 2021-05-01 | 50 days | 1,876 sqft |
| 2021-06-01 | 44 days | 1,878 sqft |
| 2021-07-01 | 49 days | 1,872 sqft |
| 2021-08-01 | 52 days | 1,864 sqft |
| 2021-09-01 | 55 days | 1,831 sqft |
| 2021-10-01 | 59 days | 1,800 sqft |
| 2021-11-01 | 60 days | 1,780 sqft |
| 2021-12-01 | 66 days | 1,826 sqft |
| 2022-01-01 | 78 days | 2,034 sqft |
| 2022-02-01 | 82 days | 1,925 sqft |
| 2022-03-01 | 56 days | 1,860 sqft |
| 2022-04-01 | 49 days | 1,824 sqft |
| 2022-05-01 | 36 days | 1,817 sqft |
| 2022-06-01 | 38 days | 1,823 sqft |
| 2022-07-01 | 40 days | 1,800 sqft |
| 2022-08-01 | 52 days | 1,818 sqft |
| 2022-09-01 | 58 days | 1,810 sqft |
| 2022-10-01 | 58 days | 1,800 sqft |
| 2022-11-01 | 60 days | 1,773 sqft |
| 2022-12-01 | 68 days | 1,762 sqft |
| 2023-01-01 | 78 days | 1,762 sqft |
| 2023-02-01 | 73 days | 1,791 sqft |
| 2023-03-01 | 68 days | 1,816 sqft |
| 2023-04-01 | 62 days | 1,814 sqft |
| 2023-05-01 | 45 days | 1,846 sqft |
| 2023-06-01 | 44 days | 1,833 sqft |
| 2023-07-01 | 49 days | 1,829 sqft |
| 2023-08-01 | 50 days | 1,829 sqft |
| 2023-09-01 | 52 days | 1,819 sqft |
| 2023-10-01 | 54 days | 1,800 sqft |
| 2023-11-01 | 58 days | 1,803 sqft |
| 2023-12-01 | 64 days | 1,800 sqft |
| 2024-01-01 | 73 days | 1,800 sqft |
| 2024-02-01 | 73 days | 1,838 sqft |
| 2024-03-01 | 62 days | 1,821 sqft |
| 2024-04-01 | 55 days | 1,844 sqft |
| 2024-05-01 | 32 days | 1,862 sqft |
| 2024-06-01 | 36 days | 1,857 sqft |
| 2024-07-01 | 49 days | 1,846 sqft |
| 2024-08-01 | 52 days | 1,822 sqft |
| 2024-09-01 | 51 days | 1,840 sqft |
| 2024-10-01 | 55 days | 1,845 sqft |
ALBANY - SCHENECTADY - TROY's median listing age (time on market) for 2024-10-01 was 55 days.
This
is 1%
longer
than the same period one year ago.
ALBANY - SCHENECTADY - TROY's median square footage for active listings during the 2024-10-01 period was 1,845 sqft. One year prior, the average listing was 1,800 sqft.
ALBANY - SCHENECTADY - TROY's median square footage for active listings during the 2024-10-01 period was 1,845 sqft. One year prior, the average listing was 1,800 sqft.
ALBANY-SCHENECTADY-TROY, NY Average Rent (2023)
Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.
| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 12007 | Albany-Schenectady-Troy, NY MSA | $980 | $1,090 | $1,330 | $1,620 | $1,790 |
| 12008 | Albany-Schenectady-Troy, NY MSA | $1,010 | $1,130 | $1,370 | $1,660 | $1,840 |
| 12009 | Albany-Schenectady-Troy, NY MSA | $1,040 | $1,160 | $1,410 | $1,720 | $1,890 |
| 12010 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12018 | Albany-Schenectady-Troy, NY MSA | $1,050 | $1,170 | $1,420 | $1,730 | $1,910 |
| 12019 | Albany-Schenectady-Troy, NY MSA | $1,020 | $1,130 | $1,380 | $1,680 | $1,850 |
| 12020 | Albany-Schenectady-Troy, NY MSA | $1,140 | $1,270 | $1,550 | $1,890 | $2,080 |
| 12022 | Albany-Schenectady-Troy, NY MSA | $850 | $950 | $1,180 | $1,440 | $1,630 |
| 12023 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12024 | Albany-Schenectady-Troy, NY MSA | $930 | $1,040 | $1,260 | $1,530 | $1,690 |
| 12025 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12027 | Albany-Schenectady-Troy, NY MSA | $1,220 | $1,360 | $1,660 | $2,020 | $2,230 |
| 12028 | Albany-Schenectady-Troy, NY MSA | $920 | $1,040 | $1,280 | $1,600 | $1,710 |
| 12031 | Albany-Schenectady-Troy, NY MSA | $810 | $910 | $1,100 | $1,350 | $1,480 |
| 12033 | Albany-Schenectady-Troy, NY MSA | $1,000 | $1,110 | $1,350 | $1,640 | $1,810 |
| 12035 | Albany-Schenectady-Troy, NY MSA | $890 | $1,000 | $1,210 | $1,480 | $1,630 |
| 12036 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12040 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12041 | Albany-Schenectady-Troy, NY MSA | $930 | $1,030 | $1,260 | $1,530 | $1,690 |
| 12043 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12045 | Albany-Schenectady-Troy, NY MSA | $910 | $1,010 | $1,230 | $1,500 | $1,650 |
| 12046 | Albany-Schenectady-Troy, NY MSA | $860 | $960 | $1,170 | $1,420 | $1,560 |
| 12047 | Albany-Schenectady-Troy, NY MSA | $920 | $1,030 | $1,250 | $1,520 | $1,680 |
| 12052 | Albany-Schenectady-Troy, NY MSA | $940 | $1,050 | $1,280 | $1,560 | $1,720 |
| 12053 | Albany-Schenectady-Troy, NY MSA | $1,040 | $1,160 | $1,410 | $1,740 | $1,910 |
| 12054 | Albany-Schenectady-Troy, NY MSA | $1,110 | $1,230 | $1,500 | $1,830 | $2,020 |
| 12055 | Albany-Schenectady-Troy, NY MSA | $980 | $1,090 | $1,330 | $1,620 | $1,790 |
| 12056 | Albany-Schenectady-Troy, NY MSA | $940 | $1,040 | $1,270 | $1,550 | $1,710 |
| 12057 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12059 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12061 | Albany-Schenectady-Troy, NY MSA | $1,200 | $1,340 | $1,630 | $1,980 | $2,190 |
| 12062 | Albany-Schenectady-Troy, NY MSA | $940 | $1,040 | $1,270 | $1,550 | $1,710 |
| 12063 | Albany-Schenectady-Troy, NY MSA | $1,020 | $1,140 | $1,390 | $1,680 | $1,860 |
| 12064 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12065 | Albany-Schenectady-Troy, NY MSA | $1,110 | $1,240 | $1,510 | $1,840 | $2,030 |
| 12066 | Albany-Schenectady-Troy, NY MSA | $1,000 | $1,120 | $1,360 | $1,660 | $1,830 |
| 12067 | Albany-Schenectady-Troy, NY MSA | $930 | $1,040 | $1,260 | $1,550 | $1,710 |
| 12071 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12073 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12074 | Albany-Schenectady-Troy, NY MSA | $1,050 | $1,170 | $1,420 | $1,730 | $1,910 |
| 12076 | Albany-Schenectady-Troy, NY MSA | $870 | $970 | $1,180 | $1,440 | $1,590 |
| 12077 | Albany-Schenectady-Troy, NY MSA | $1,200 | $1,340 | $1,630 | $1,980 | $2,190 |
| 12082 | Albany-Schenectady-Troy, NY MSA | $930 | $1,040 | $1,260 | $1,530 | $1,690 |
| 12083 | Albany-Schenectady-Troy, NY MSA | $920 | $1,030 | $1,250 | $1,520 | $1,680 |
| 12084 | Albany-Schenectady-Troy, NY MSA | $1,180 | $1,320 | $1,600 | $1,950 | $2,150 |
| 12085 | Albany-Schenectady-Troy, NY MSA | $910 | $1,020 | $1,240 | $1,510 | $1,670 |
| 12086 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12087 | Albany-Schenectady-Troy, NY MSA | $980 | $1,090 | $1,330 | $1,620 | $1,790 |
| 12089 | Albany-Schenectady-Troy, NY MSA | $870 | $970 | $1,180 | $1,440 | $1,590 |
| 12090 | Albany-Schenectady-Troy, NY MSA | $870 | $970 | $1,180 | $1,440 | $1,590 |
| 12092 | Albany-Schenectady-Troy, NY MSA | $850 | $950 | $1,150 | $1,400 | $1,540 |
| 12093 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12094 | Albany-Schenectady-Troy, NY MSA | $870 | $980 | $1,200 | $1,480 | $1,610 |
| 12107 | Albany-Schenectady-Troy, NY MSA | $980 | $1,090 | $1,330 | $1,620 | $1,790 |
| 12110 | Albany-Schenectady-Troy, NY MSA | $1,150 | $1,280 | $1,560 | $1,900 | $2,100 |
| 12118 | Albany-Schenectady-Troy, NY MSA | $860 | $950 | $1,160 | $1,410 | $1,560 |
| 12120 | Albany-Schenectady-Troy, NY MSA | $860 | $950 | $1,160 | $1,410 | $1,560 |
| 12121 | Albany-Schenectady-Troy, NY MSA | $860 | $960 | $1,170 | $1,430 | $1,580 |
| 12122 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12123 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12128 | Albany-Schenectady-Troy, NY MSA | $980 | $1,090 | $1,330 | $1,620 | $1,790 |
| 12131 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12133 | Albany-Schenectady-Troy, NY MSA | $930 | $1,040 | $1,260 | $1,530 | $1,690 |
| 12134 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12137 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,100 | $1,350 | $1,480 |
| 12138 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12140 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12141 | Albany-Schenectady-Troy, NY MSA | $910 | $1,010 | $1,230 | $1,500 | $1,650 |
| 12143 | Albany-Schenectady-Troy, NY MSA | $850 | $950 | $1,150 | $1,400 | $1,540 |
| 12144 | Albany-Schenectady-Troy, NY MSA | $970 | $1,090 | $1,320 | $1,610 | $1,770 |
| 12147 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12148 | Albany-Schenectady-Troy, NY MSA | $1,090 | $1,210 | $1,470 | $1,790 | $1,980 |
| 12149 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12150 | Albany-Schenectady-Troy, NY MSA | $920 | $1,020 | $1,240 | $1,510 | $1,660 |
| 12151 | Albany-Schenectady-Troy, NY MSA | $1,180 | $1,320 | $1,600 | $1,950 | $2,150 |
| 12153 | Albany-Schenectady-Troy, NY MSA | $920 | $1,020 | $1,240 | $1,510 | $1,670 |
| 12154 | Albany-Schenectady-Troy, NY MSA | $870 | $970 | $1,190 | $1,460 | $1,590 |
| 12156 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12157 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12158 | Albany-Schenectady-Troy, NY MSA | $1,250 | $1,390 | $1,690 | $2,060 | $2,270 |
| 12159 | Albany-Schenectady-Troy, NY MSA | $1,050 | $1,180 | $1,430 | $1,740 | $1,920 |
| 12160 | Albany-Schenectady-Troy, NY MSA | $910 | $1,020 | $1,240 | $1,510 | $1,670 |
| 12161 | Albany-Schenectady-Troy, NY MSA | $1,250 | $1,390 | $1,690 | $2,060 | $2,270 |
| 12166 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12167 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12168 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12169 | Albany-Schenectady-Troy, NY MSA | $850 | $950 | $1,150 | $1,410 | $1,550 |
| 12170 | Albany-Schenectady-Troy, NY MSA | $1,140 | $1,270 | $1,550 | $1,890 | $2,080 |
| 12175 | Albany-Schenectady-Troy, NY MSA | $1,030 | $1,150 | $1,400 | $1,700 | $1,880 |
| 12180 | Albany-Schenectady-Troy, NY MSA | $940 | $1,040 | $1,270 | $1,550 | $1,710 |
| 12181 | Albany-Schenectady-Troy, NY MSA | $930 | $1,040 | $1,260 | $1,530 | $1,690 |
| 12182 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,100 | $1,350 | $1,480 |
| 12183 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12184 | Albany-Schenectady-Troy, NY MSA | $930 | $1,040 | $1,260 | $1,530 | $1,690 |
| 12185 | Albany-Schenectady-Troy, NY MSA | $860 | $960 | $1,180 | $1,440 | $1,580 |
| 12186 | Albany-Schenectady-Troy, NY MSA | $970 | $1,080 | $1,310 | $1,590 | $1,760 |
| 12187 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12188 | Albany-Schenectady-Troy, NY MSA | $920 | $1,030 | $1,250 | $1,520 | $1,680 |
| 12189 | Albany-Schenectady-Troy, NY MSA | $870 | $970 | $1,180 | $1,440 | $1,590 |
| 12193 | Albany-Schenectady-Troy, NY MSA | $1,020 | $1,140 | $1,390 | $1,690 | $1,870 |
| 12194 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12196 | Albany-Schenectady-Troy, NY MSA | $830 | $930 | $1,130 | $1,380 | $1,520 |
| 12198 | Albany-Schenectady-Troy, NY MSA | $830 | $920 | $1,120 | $1,360 | $1,500 |
| 12201 | Albany-Schenectady-Troy, NY MSA | $980 | $1,090 | $1,330 | $1,620 | $1,790 |
| 12202 | Albany-Schenectady-Troy, NY MSA | $830 | $920 | $1,120 | $1,360 | $1,500 |
| 12203 | Albany-Schenectady-Troy, NY MSA | $1,100 | $1,220 | $1,490 | $1,810 | $2,000 |
| 12204 | Albany-Schenectady-Troy, NY MSA | $1,000 | $1,120 | $1,360 | $1,660 | $1,830 |
| 12205 | Albany-Schenectady-Troy, NY MSA | $1,060 | $1,180 | $1,440 | $1,750 | $1,930 |
| 12206 | Albany-Schenectady-Troy, NY MSA | $940 | $1,040 | $1,270 | $1,550 | $1,710 |
| 12207 | Albany-Schenectady-Troy, NY MSA | $870 | $970 | $1,180 | $1,440 | $1,590 |
| 12208 | Albany-Schenectady-Troy, NY MSA | $990 | $1,100 | $1,340 | $1,630 | $1,800 |
| 12209 | Albany-Schenectady-Troy, NY MSA | $990 | $1,100 | $1,340 | $1,630 | $1,800 |
| 12210 | Albany-Schenectady-Troy, NY MSA | $900 | $1,000 | $1,220 | $1,480 | $1,640 |
| 12211 | Albany-Schenectady-Troy, NY MSA | $1,390 | $1,550 | $1,890 | $2,300 | $2,540 |
| 12212 | Albany-Schenectady-Troy, NY MSA | $980 | $1,090 | $1,330 | $1,620 | $1,790 |
| 12220 | Albany-Schenectady-Troy, NY MSA | $980 | $1,090 | $1,330 | $1,620 | $1,790 |
| 12222 | Albany-Schenectady-Troy, NY MSA | $980 | $1,090 | $1,330 | $1,620 | $1,790 |
| 12223 | Albany-Schenectady-Troy, NY MSA | $980 | $1,090 | $1,330 | $1,620 | $1,790 |
| 12226 | Albany-Schenectady-Troy, NY MSA | $980 | $1,090 | $1,330 | $1,620 | $1,790 |
| 12227 | Albany-Schenectady-Troy, NY MSA | $980 | $1,090 | $1,330 | $1,620 | $1,790 |
| 12236 | Albany-Schenectady-Troy, NY MSA | $980 | $1,090 | $1,330 | $1,620 | $1,790 |
| 12237 | Albany-Schenectady-Troy, NY MSA | $980 | $1,090 | $1,330 | $1,620 | $1,790 |
| 12247 | Albany-Schenectady-Troy, NY MSA | $980 | $1,090 | $1,330 | $1,620 | $1,790 |
| 12260 | Albany-Schenectady-Troy, NY MSA | $980 | $1,090 | $1,330 | $1,620 | $1,790 |
| 12288 | Albany-Schenectady-Troy, NY MSA | $980 | $1,090 | $1,330 | $1,620 | $1,790 |
| 12301 | Albany-Schenectady-Troy, NY MSA | $910 | $1,010 | $1,230 | $1,500 | $1,650 |
| 12302 | Albany-Schenectady-Troy, NY MSA | $1,000 | $1,110 | $1,350 | $1,640 | $1,810 |
| 12303 | Albany-Schenectady-Troy, NY MSA | $880 | $990 | $1,200 | $1,460 | $1,610 |
| 12304 | Albany-Schenectady-Troy, NY MSA | $880 | $990 | $1,200 | $1,460 | $1,610 |
| 12305 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12306 | Albany-Schenectady-Troy, NY MSA | $910 | $1,010 | $1,230 | $1,500 | $1,650 |
| 12307 | Albany-Schenectady-Troy, NY MSA | $840 | $940 | $1,140 | $1,390 | $1,530 |
| 12308 | Albany-Schenectady-Troy, NY MSA | $890 | $990 | $1,210 | $1,470 | $1,630 |
| 12309 | Albany-Schenectady-Troy, NY MSA | $1,070 | $1,190 | $1,450 | $1,760 | $1,950 |
| 12345 | Albany-Schenectady-Troy, NY MSA | $910 | $1,010 | $1,230 | $1,500 | $1,650 |
| 12460 | Albany-Schenectady-Troy, NY MSA | $980 | $1,090 | $1,330 | $1,620 | $1,790 |
| 12469 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12803 | Albany-Schenectady-Troy, NY MSA | $880 | $990 | $1,200 | $1,460 | $1,610 |
| 12822 | Albany-Schenectady-Troy, NY MSA | $830 | $930 | $1,130 | $1,380 | $1,520 |
| 12828 | Albany-Schenectady-Troy, NY MSA | $810 | $910 | $1,130 | $1,420 | $1,520 |
| 12831 | Albany-Schenectady-Troy, NY MSA | $1,030 | $1,150 | $1,400 | $1,700 | $1,880 |
| 12833 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12835 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 12850 | Albany-Schenectady-Troy, NY MSA | $1,070 | $1,190 | $1,450 | $1,760 | $1,950 |
| 12859 | Albany-Schenectady-Troy, NY MSA | $1,220 | $1,360 | $1,650 | $2,010 | $2,220 |
| 12863 | Albany-Schenectady-Troy, NY MSA | $950 | $1,060 | $1,290 | $1,570 | $1,730 |
| 12866 | Albany-Schenectady-Troy, NY MSA | $1,280 | $1,420 | $1,730 | $2,110 | $2,320 |
| 12871 | Albany-Schenectady-Troy, NY MSA | $880 | $980 | $1,190 | $1,450 | $1,600 |
| 12884 | Albany-Schenectady-Troy, NY MSA | $1,010 | $1,130 | $1,370 | $1,670 | $1,840 |
| 13320 | Albany-Schenectady-Troy, NY MSA | $810 | $900 | $1,090 | $1,350 | $1,480 |
| 13459 | Albany-Schenectady-Troy, NY MSA | $860 | $950 | $1,160 | $1,410 | $1,560 |
2022 Average & Median Rent Data Statistics
ALBANY-SCHENECTADY-TROY, NY average 1BR rent: $1,041, median: $1,020
ALBANY-SCHENECTADY-TROY, NY average 2BR rent: $1,267, median: $1,240
ALBANY-SCHENECTADY-TROY, NY average 3BR rent: $1,549, median: $1,510
ALBANY-SCHENECTADY-TROY, NY Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 8,250 | $2,511,610,000 | $304,438 |
| Home Improvement | 3,415 | $299,705,000 | $87,761 |
| Other | 1,579 | $137,265,000 | $86,932 |
| Cash Out Refi | 1,569 | $320,235,000 | $204,101 |
| Refi | 1,320 | $230,750,000 | $174,811 |
| NA | 29 | $2,955,000 | $101,897 |
Albany - Schenectady - Troy's most frequently cited loan purpose was Home Purchase, with 8,250 originations. The 2nd most popular reason was Home Improvement, with 3,415 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 5,417 | $1,199,315,000 | $221,398 |
| 5-6% | 3,064 | $815,320,000 | $266,097 |
| 7-8% | 2,955 | $574,735,000 | $194,496 |
| Over 8% | 1,535 | $176,195,000 | $114,785 |
| 4-5% | 1,378 | $333,960,000 | $242,351 |
| 3-4% | 521 | $99,195,000 | $190,393 |
| <2.5% | 193 | $22,835,000 | $118,316 |
| 2.5-3% | 71 | $17,315,000 | $243,873 |
During 2023, Albany - Schenectady - Troy's most frequently originated rate bucket was 6-7%, with 5,417 originations.
Loan Sizing (ALBANY-SCHENECTADY-TROY, NY MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 5,337 | $1,474,495,000 | $276,278 |
| $100,000 or less | 4,922 | $264,540,000 | $53,746 |
| $100k-200k | 4,386 | $645,950,000 | $147,275 |
| $400k-600k | 1,123 | $530,975,000 | $472,818 |
| $600k-1000k | 305 | $216,325,000 | $709,262 |
| $Over $1MM | 89 | $370,235,000 | $4,159,944 |
ALBANY - SCHENECTADY - TROY's loan sizing saw the bucket of loans from $200k-400k with 5,337 originations, totaling $1,474,495,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 5,428 | $1,565,430,000 | $288,399 |
| Under 20% | 2,942 | $142,360,000 | $48,389 |
| 60-80% | 2,752 | $965,810,000 | $350,948 |
| 20-40% | 2,500 | $261,390,000 | $104,556 |
| 40-60% | 1,377 | $287,035,000 | $208,450 |
| Over 100% | 110 | $36,950,000 | $335,909 |
ALBANY - SCHENECTADY - TROY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 5,428 originations, totaling $1,565,430,000 in origination value.