ROCHESTER Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Rochester averaged
7.02%
for the week of 2025-04-24, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-04-17) was
6.94% and
one month ago for the week of 2025-03-20, the
average rate was 6.58%.
Rochester's average rate one year ago was 7.11%.
For refis of the same type during the week of 2025-04-24, the average rate
was 7.52%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-24 | 6.81% |
| Rochester 30 Year Fixed Rate | 2025-04-24 | 7.02% |
| Rochester 30 Year Fixed Rate Refi | 2025-04-24 | 7.52% |
| Rochester 15 Year Fixed Rate | 2025-04-24 | 6.66% |
| Rochester 15 Year Fixed Rate Refi | 2025-04-24 | 6.7% |
| Rochester 30 Year FHA | 2025-04-24 | 6.48% |
| Rochester 30 Year FHA Refi | 2025-04-24 | 6.73% |
| Rochester 30 Year USDA | 2025-04-24 | 6.7% |
| Rochester 30 Year USDA Refi | 2025-04-24 | 6.3% |
| Rochester 30 Year VA | 2025-04-24 | 6.52% |
| Rochester 30 Year VA Refi | 2025-04-24 | 6.35% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ROCHESTER, NY.
ROCHESTER 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 ROCHESTER, 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.).
ROCHESTER Average Closing Costs & Other Stats
ROCHESTER, NY's 131 lenders originated 21,080
loans during 2024. The total origination value was $4,006,580,000, with an average loan value of
$190,065.
ROCHESTER's average closing costs are $4,448.
The top ROCHESTER lender as defined by loan originations is Premium Mortgage Corporation, with
1,981 loans originated. Their average total fees are
$4,009, which is $761
lower than the next largest lender,
Genesee Regional Bank.
The lowest fee ROCHESTER lenders (with over 10 loans originated) are
Community Bank ($718), Bank of America ($2,316), THE SUMMIT Federal Credit Union ($2,990), U.S. Bank ($3,060) and RELIANT COMMUNITY FEDERAL CREDIT UNION ($3,195).
The lowest rate ROCHESTER lenders (with over 10 loans originated) are
CREDIT UNION MORTGAGE ASSOCIATION, INC. (6.11%), Bank of America (6.12%), Pittsford Federal Credit Union (6.22%), Five Star Bank (6.34%) and Wayne Bank (6.38%).
ROCHESTER, 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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| ESL Federal Credit Union | $536,985,000 | $621,255,000 | 15.7% | 15.5% |
| Premium Mortgage Corporation | $530,410,000 | $584,325,000 | 10.2% | 14.6% |
| Genesee Regional Bank | $244,560,000 | $274,445,000 | 12.2% | 6.8% |
| HOME TOWN FUNDING, INC. | $206,760,000 | $237,525,000 | 14.9% | 5.9% |
| JPMorgan Chase Bank | $26,085,000 | $196,200,000 | 652.2% | 4.9% |
| The Canandaigua National Bank and Trust Company | $88,655,000 | $162,380,000 | 83.2% | 4.1% |
| QUICKEN LOANS, LLC | $108,135,000 | $151,035,000 | 39.7% | 3.8% |
| The Lyons National Bank | $125,885,000 | $142,555,000 | 13.2% | 3.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $133,065,000 | $120,445,000 | -9.5% | 3.0% |
| Citizens Bank | $85,185,000 | $86,140,000 | 1.1% | 2.1% |
| M&T Bank | $71,140,000 | $63,865,000 | -10.2% | 1.6% |
| Community Bank | $45,900,000 | $60,760,000 | 32.4% | 1.5% |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | $52,810,000 | $60,440,000 | 14.4% | 1.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $68,600,000 | $59,810,000 | -12.8% | 1.5% |
| 1ST PRIORITY MORTGAGE, INC. | $55,425,000 | $58,140,000 | 4.9% | 1.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $12,395,000 | $53,180,000 | 329.0% | 1.3% |
| FAMILY FIRST OF NY | $36,770,000 | $49,210,000 | 33.8% | 1.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $20,415,000 | $43,200,000 | 111.6% | 1.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $60,135,000 | $41,135,000 | -31.6% | 1.0% |
| Tompkins Trust Company | $42,675,000 | $41,105,000 | -3.7% | 1.0% |
| NVR Mortgage Finance, Inc. | $28,040,000 | $40,940,000 | 46.0% | 1.0% |
| Barings Multifamily Capital | $40,650,000 | n/a | 1.0% | |
| THE SUMMIT Federal Credit Union | $43,015,000 | $40,640,000 | -5.5% | 1.0% |
| KeyBank | $48,645,000 | $39,205,000 | -19.4% | 1.0% |
| Five Star Bank | $90,485,000 | $38,610,000 | -57.3% | 1.0% |
| M&T Realty Capital Corporation | $37,260,000 | n/a | 0.9% | |
| Advantage Federal Credit Union | $38,625,000 | $32,540,000 | -15.8% | 0.8% |
| Pittsford Federal Credit Union | $25,685,000 | $30,075,000 | 17.1% | 0.8% |
| Bank of America | $25,600,000 | $28,175,000 | 10.1% | 0.7% |
| Arbor Realty Trust, Inc. | $108,755,000 | $21,930,000 | -79.8% | 0.5% |
| CNB Bank | $565,000 | $21,610,000 | 3,724.8% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $12,010,000 | $20,710,000 | 72.4% | 0.5% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | $18,505,000 | n/a | 0.5% | |
| Empower Federal Credit Union | $13,660,000 | $17,030,000 | 24.7% | 0.4% |
| MOVEMENT MORTGAGE, LLC | $19,670,000 | $16,540,000 | -15.9% | 0.4% |
| GREYSTONE SERVICING COMPANY LLC | $18,855,000 | $16,105,000 | -14.6% | 0.4% |
| HUNT MORTGAGE CORPORATION | $22,220,000 | $15,815,000 | -28.8% | 0.4% |
| Mortgage Research Center, LLC | $14,150,000 | $15,780,000 | 11.5% | 0.4% |
| KINECTA | $11,400,000 | $15,595,000 | 36.8% | 0.4% |
| LOANDEPOT.COM, LLC | $5,510,000 | $14,960,000 | 171.5% | 0.4% |
| NEWREZ LLC | $8,605,000 | $13,745,000 | 59.7% | 0.3% |
| CMG MORTGAGE, INC. | $8,090,000 | $13,305,000 | 64.5% | 0.3% |
| Union Savings Bank | $13,010,000 | n/a | 0.3% | |
| COLLIERS MORTGAGE LLC | $12,960,000 | n/a | 0.3% | |
| NAVY FEDERAL CREDIT UNION | $10,210,000 | $12,740,000 | 24.8% | 0.3% |
| WALKER & DUNLOP, LLC | $12,700,000 | n/a | 0.3% | |
| Evans Bank | $45,880,000 | $12,510,000 | -72.7% | 0.3% |
| Farm Credit East, ACA | $9,975,000 | $11,110,000 | 11.4% | 0.3% |
| HOMESTEAD FUNDING CORP. | $7,430,000 | $10,725,000 | 44.3% | 0.3% |
| PLAZA HOME MORTGAGE, INC. | $10,170,000 | $9,345,000 | -8.1% | 0.2% |
| Berkshire Bank | $1,225,000 | $9,225,000 | 653.1% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $5,835,000 | $9,190,000 | 57.5% | 0.2% |
| PENNYMAC LOAN SERVICES, LLC | $10,805,000 | $8,475,000 | -21.6% | 0.2% |
| Discover Bank | $6,380,000 | $7,760,000 | 21.6% | 0.2% |
| Ukrainian Federal Credit Union | $3,550,000 | $6,605,000 | 86.1% | 0.2% |
| AMERICAN HERITAGE LENDING, INC. | $320,000 | $6,165,000 | 1,826.6% | 0.2% |
| Carrington Mortgage Services, LLC | $1,715,000 | $6,095,000 | 255.4% | 0.2% |
| Wells Fargo Bank | $12,380,000 | $6,020,000 | -51.4% | 0.2% |
| AMERICU Credit Union | $1,635,000 | $5,365,000 | 228.1% | 0.1% |
| FINGER LAKES | $5,615,000 | $4,970,000 | -11.5% | 0.1% |
| Morgan Stanley Private Bank | $6,925,000 | $4,790,000 | -30.8% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $3,300,000 | $4,660,000 | 41.2% | 0.1% |
| FREEDOM MORTGAGE CORPORATION | $4,415,000 | $4,605,000 | 4.3% | 0.1% |
| U.S. Bank | $6,445,000 | $4,505,000 | -30.1% | 0.1% |
| Northwest Bank | $8,625,000 | $4,355,000 | -49.5% | 0.1% |
| Wayne Bank | $5,145,000 | $4,085,000 | -20.6% | 0.1% |
| Flagstar Bank, FSB | $1,185,000 | $4,060,000 | 242.6% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $225,000 | $3,865,000 | 1,617.8% | 0.1% |
| TD Bank | $6,695,000 | $3,800,000 | -43.2% | 0.1% |
| 21ST MORTGAGE CORPORATION | $1,860,000 | $3,725,000 | 100.3% | 0.1% |
| Savannah Bank | $3,855,000 | $3,580,000 | -7.1% | 0.1% |
| ONTARIO SHORES | $2,880,000 | $3,565,000 | 23.8% | 0.1% |
| USAA Federal Savings Bank | $3,165,000 | $3,460,000 | 9.3% | 0.1% |
| SERVU FEDERAL CREDIT UNION | $2,605,000 | $3,450,000 | 32.4% | 0.1% |
| Metro City Bank | $2,790,000 | $3,355,000 | 20.3% | 0.1% |
| Logan Finance Corporation | $3,325,000 | n/a | 0.1% | |
| Regions Bank | $3,155,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $585,000 | $2,920,000 | 399.1% | 0.1% |
| PNC Bank | $2,360,000 | $2,840,000 | 20.3% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $2,480,000 | $2,800,000 | 12.9% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $975,000 | $2,765,000 | 183.6% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $2,695,000 | $2,650,000 | -1.7% | 0.1% |
| Chemung Canal Trust Company | $1,960,000 | $2,620,000 | 33.7% | 0.1% |
| GENESEE VALLEY | $2,480,000 | $2,555,000 | 3.0% | 0.1% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $1,335,000 | $2,435,000 | 82.4% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $310,000 | $2,235,000 | 621.0% | 0.1% |
| CORNING | $5,460,000 | $2,050,000 | -62.5% | 0.1% |
| Bethpage Federal Credit Union | $850,000 | $2,040,000 | 140.0% | 0.1% |
| ARC HOME LLC | $1,125,000 | $1,915,000 | 70.2% | 0.0% |
| Stifel Bank and Trust | $1,360,000 | $1,850,000 | 36.0% | 0.0% |
| SEFCU SERVICES, LLC | $2,555,000 | $1,845,000 | -27.8% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,290,000 | $1,840,000 | 42.6% | 0.0% |
| LENDINGHOME FUNDING CORPORATION | $400,000 | $1,815,000 | 353.8% | 0.0% |
| GUARANTEED RATE, INC. | $990,000 | $1,765,000 | 78.3% | 0.0% |
| Quontic Bank | $975,000 | $1,695,000 | 73.8% | 0.0% |
| CFCU Community Credit Union | $320,000 | $1,680,000 | 425.0% | 0.0% |
| BROKER SOLUTIONS, INC. | $215,000 | $1,615,000 | 651.2% | 0.0% |
| LIMA ONE CAPITAL, LLC | $1,630,000 | $1,550,000 | -4.9% | 0.0% |
| AMERICAN FINANCING CORPORATION | $1,715,000 | $1,510,000 | -12.0% | 0.0% |
| EVERETT FINANCIAL, INC. | $780,000 | $1,475,000 | 89.1% | 0.0% |
| PHH Mortgage Corporation | $545,000 | $1,465,000 | 168.8% | 0.0% |
| VISIONS | $2,965,000 | $1,380,000 | -53.5% | 0.0% |
| Cornerstone Community Federal Credit Union | $1,230,000 | $1,340,000 | 8.9% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $1,380,000 | $1,340,000 | -2.9% | 0.0% |
| Ally Bank | $590,000 | $1,160,000 | 96.6% | 0.0% |
| SILVER HILL FUNDING, LLC | $1,110,000 | n/a | 0.0% | |
| Magnolia Bank | $370,000 | $1,100,000 | 197.3% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $1,720,000 | $1,065,000 | -38.1% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $345,000 | $1,040,000 | 201.4% | 0.0% |
| CARDINAL FINANCIAL | $255,000 | $1,035,000 | 305.9% | 0.0% |
| AMWEST FUNDING CORP. | $445,000 | $1,025,000 | 130.3% | 0.0% |
| The Huntington National Bank | $1,020,000 | n/a | 0.0% | |
| NBKC BANK | $865,000 | $1,015,000 | 17.3% | 0.0% |
| Charles Schwab Bank, SSB | $2,710,000 | $975,000 | -64.0% | 0.0% |
| LENDINGONE, LLC | $240,000 | $970,000 | 304.2% | 0.0% |
| Truist | $65,905,000 | $960,000 | -98.5% | 0.0% |
| Citibank | $825,000 | $950,000 | 15.2% | 0.0% |
| Geddes Federal Savings and Loan Association | $850,000 | $890,000 | 4.7% | 0.0% |
| Leader Bank | $195,000 | $880,000 | 351.3% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $575,000 | $840,000 | 46.1% | 0.0% |
| Equity Prime Mortgage LLC | $840,000 | n/a | 0.0% | |
| First Central Savings Bank | $830,000 | n/a | 0.0% | |
| FM Home Loans, LLC | $820,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $925,000 | $795,000 | -14.1% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $780,000 | n/a | 0.0% | |
| The Federal Savings Bank | $1,360,000 | $735,000 | -46.0% | 0.0% |
| Valley National Bank | $510,000 | $710,000 | 39.2% | 0.0% |
| BNY Mellon | $695,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $685,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $240,000 | $655,000 | 172.9% | 0.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | $250,000 | $640,000 | 156.0% | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $360,000 | $605,000 | 68.1% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $140,000 | $605,000 | 332.1% | 0.0% |
| STATE EMPLOYEES FEDERAL CREDIT UNION | $1,505,000 | $600,000 | -60.1% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $635,000 | $575,000 | -9.4% | 0.0% |
| First Federal Bank | $1,485,000 | $565,000 | -62.0% | 0.0% |
| Fifth Third Bank | $895,000 | $555,000 | -38.0% | 0.0% |
| A&D Mortgage LLC | $470,000 | $525,000 | 11.7% | 0.0% |
| First National Bank of Pennsylvania | $525,000 | n/a | 0.0% | |
| Goldman Sachs Bank USA | $525,000 | n/a | 0.0% | |
| CLIFFCO, INC. | $745,000 | $515,000 | -30.9% | 0.0% |
| Hometown Equity Mortgage, LLC | $205,000 | $515,000 | 151.2% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,335,000 | $495,000 | -78.8% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $795,000 | $490,000 | -38.4% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $490,000 | n/a | 0.0% | |
| UIF CORPORATION | $525,000 | $480,000 | -8.6% | 0.0% |
| PREMIA MORTGAGE, LLC | $2,535,000 | $470,000 | -81.5% | 0.0% |
| Connexus Credit Union | $460,000 | n/a | 0.0% | |
| STANFORD Federal Credit Union | $455,000 | n/a | 0.0% | |
| Citizens & Northern Bank | $555,000 | $450,000 | -18.9% | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $440,000 | n/a | 0.0% | |
| BETTER MORTGAGE CORPORATION | $1,400,000 | $440,000 | -68.6% | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | $235,000 | $430,000 | 83.0% | 0.0% |
| American Airlines Federal Credit Union | $105,000 | $425,000 | 304.8% | 0.0% |
| Bank of Hope | $410,000 | n/a | 0.0% | |
| TEACHERS | $660,000 | $410,000 | -37.9% | 0.0% |
| Advisors Mortgage Group, L.L.C. | $390,000 | n/a | 0.0% | |
| BOND STREET MORTGAGE, LLC | $370,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $505,000 | $370,000 | -26.7% | 0.0% |
| NEW WAVE LENDING GROUP INC | $365,000 | n/a | 0.0% | |
| UBS Bank USA | $2,295,000 | $335,000 | -85.4% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $165,000 | $325,000 | 97.0% | 0.0% |
| United Nations Federal Credit Union | $325,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $615,000 | $315,000 | -48.8% | 0.0% |
| Generations Bank | $1,650,000 | $310,000 | -81.2% | 0.0% |
| Commerce Bank | $305,000 | n/a | 0.0% | |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | $1,560,000 | $305,000 | -80.4% | 0.0% |
| Allied First Bank,sb | $285,000 | n/a | 0.0% | |
| NEXTIER BANK, NATIONAL ASSOCIATION | $11,290,000 | $285,000 | -97.5% | 0.0% |
| HUDSON VALLEY CREDIT UNION | $265,000 | $280,000 | 5.7% | 0.0% |
| Shore United Bank | $275,000 | n/a | 0.0% | |
| UTILITIES EMPLOYEES CREDIT UNION | $175,000 | $275,000 | 57.1% | 0.0% |
| SELF RELIANCE NY Federal Credit Union | $155,000 | $265,000 | 71.0% | 0.0% |
| GREENWOOD | $60,000 | $255,000 | 325.0% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $225,000 | n/a | 0.0% | |
| Univest Bank and Trust Co. | $215,000 | n/a | 0.0% | |
| BOKF | $205,000 | n/a | 0.0% | |
| Cathay Bank | $225,000 | $205,000 | -8.9% | 0.0% |
| Nations Lending Corporation | $205,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $205,000 | n/a | 0.0% | |
| Ballston Spa National Bank | $35,000 | $200,000 | 471.4% | 0.0% |
| ADVANCIAL | $195,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $855,000 | $195,000 | -77.2% | 0.0% |
| First National Bank of America | $65,000 | $195,000 | 200.0% | 0.0% |
| First United Bank and Trust Company | $195,000 | n/a | 0.0% | |
| FOUNDATION MORTGAGE CORPORATION | $195,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $115,000 | $195,000 | 69.6% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $320,000 | $195,000 | -39.1% | 0.0% |
| UNITED MORTGAGE CORP | $185,000 | n/a | 0.0% | |
| LAKEVIEW LOAN SERVICING, LLC | $180,000 | n/a | 0.0% | |
| INTERSTATE HOME LOAN CENTER, INC. | $165,000 | n/a | 0.0% | |
| NBT Bank | $1,430,000 | $160,000 | -88.8% | 0.0% |
| Amalgamated Bank | $155,000 | n/a | 0.0% | |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $565,000 | $155,000 | -72.6% | 0.0% |
| Capital Bank | $155,000 | n/a | 0.0% | |
| PARAGON HOME LOANS INC. | $1,505,000 | $155,000 | -89.7% | 0.0% |
| S&T Bank | $185,000 | $155,000 | -16.2% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $555,000 | $155,000 | -72.1% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $145,000 | n/a | 0.0% | |
| Figure Lending LLC | $145,000 | n/a | 0.0% | |
| Northpointe Bank | $1,640,000 | $135,000 | -91.8% | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | $135,000 | n/a | 0.0% | |
| Webster Bank | $75,000 | $135,000 | 80.0% | 0.0% |
| East Coast Capital Corp. | $145,000 | $115,000 | -20.7% | 0.0% |
| GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION | $115,000 | n/a | 0.0% | |
| NATIONWIDE EQUITIES CORPORATION | $115,000 | n/a | 0.0% | |
| FIRST HERITAGE FEDERAL CREDIT UNION | $1,165,000 | $110,000 | -90.6% | 0.0% |
| EASTMAN | $105,000 | n/a | 0.0% | |
| MILLENIUM HOME MORTGAGE, LLC | $105,000 | n/a | 0.0% | |
| NIAGARA'S CHOICE | $105,000 | n/a | 0.0% | |
| Truity Federal Credit Union | $145,000 | $105,000 | -27.6% | 0.0% |
| Secured Investment Corp. | $80,000 | $95,000 | 18.8% | 0.0% |
| GPO Federal Credit Union | $470,000 | $85,000 | -81.9% | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | $75,000 | n/a | 0.0% | |
| Moog Employees Federal Credit Union | $325,000 | $75,000 | -76.9% | 0.0% |
| The People's Credit Union | $110,000 | $65,000 | -40.9% | 0.0% |
| Centier Bank | $185,000 | $55,000 | -70.3% | 0.0% |
| CONTOUR MORTGAGE CORPORATION | $1,015,000 | $55,000 | -94.6% | 0.0% |
| NORTHERN CREDIT UNION | $115,000 | $45,000 | -60.9% | 0.0% |
| TOWER | $35,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $25,000 | n/a | 0.0% | |
| MidFirst Bank | $140,000 | $15,000 | -89.3% | 0.0% |
ROCHESTER's top lender by overall market share is ESL Federal Credit Union, with 15.5% market share. In second place, with 14.6%, is Premium Mortgage Corporation, having originated $584,325,000 in loans. In third place, with 6.8%, is Genesee Regional Bank, having originated $274,445,000 in loans. In fourth place, with 5.9%, is HOME TOWN FUNDING, INC., having originated $237,525,000 in loans. In fifth place, with 4.9%, is JPMorgan Chase Bank, having originated $196,200,000 in loans.
ROCHESTER Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - ROCHESTER (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 | $159,900 (10.0%) | $218,374 (8.8%) | 0.59 | 2,009 |
| 2018-02-01 | $169,425 (13.0%) | $222,962 (5.9%) | 0.62 | 1,970 |
| 2018-03-01 | $179,900 (12.5%) | $230,960 (6.8%) | 0.63 | 2,015 |
| 2018-04-01 | $189,900 (11.8%) | $238,634 (7.2%) | 0.64 | 2,161 |
| 2018-05-01 | $193,875 (10.8%) | $241,742 (4.5%) | 0.65 | 2,358 |
| 2018-06-01 | $190,000 (7.7%) | $245,902 (6.3%) | 0.63 | 2,583 |
| 2018-07-01 | $189,450 (8.3%) | $239,466 (2.5%) | 0.63 | 2,722 |
| 2018-08-01 | $184,900 (8.8%) | $234,887 (2.1%) | 0.62 | 2,807 |
| 2018-09-01 | $180,000 (5.9%) | $229,836 (0.7%) | 0.61 | 2,772 |
| 2018-10-01 | $179,450 (7.7%) | $227,792 (0.0%) | 0.61 | 2,719 |
| 2018-11-01 | $174,700 (5.9%) | $226,544 (-0.1%) | 0.59 | 2,524 |
| 2018-12-01 | $179,450 (8.8%) | $230,415 (1.8%) | 0.62 | 2,178 |
| 2019-01-01 | $187,350 (17.2%) | $237,367 (8.7%) | 0.65 | 1,827 |
| 2019-02-01 | $194,744 (14.9%) | $248,637 (11.5%) | 0.66 | 1,751 |
| 2019-03-01 | $210,336 (16.9%) | $265,827 (15.1%) | 0.69 | 1,736 |
| 2019-04-01 | $227,675 (19.9%) | $287,410 (20.4%) | 0.72 | 1,744 |
| 2019-05-01 | $229,900 (18.6%) | $290,420 (20.1%) | 0.72 | 1,833 |
| 2019-06-01 | $229,600 (20.8%) | $270,406 (10.0%) | 0.72 | 1,988 |
| 2019-07-01 | $227,184 (19.9%) | $269,170 (12.4%) | 0.71 | 2,086 |
| 2019-08-01 | $218,082 (18.0%) | $268,594 (14.4%) | 0.69 | 2,131 |
| 2019-09-01 | $207,855 (15.5%) | $265,780 (15.6%) | 0.67 | 2,180 |
| 2019-10-01 | $199,900 (11.4%) | $263,229 (15.6%) | 0.65 | 2,199 |
| 2019-11-01 | $199,900 (14.4%) | $262,480 (15.9%) | 0.66 | 1,962 |
| 2019-12-01 | $199,900 (11.4%) | $260,188 (12.9%) | 0.67 | 1,702 |
| 2020-01-01 | $201,912 (7.8%) | $260,490 (9.7%) | 0.67 | 1,462 |
| 2020-02-01 | $224,900 (15.5%) | $267,241 (7.5%) | 0.74 | 1,342 |
| 2020-03-01 | $235,022 (11.7%) | $277,509 (4.4%) | 0.74 | 1,397 |
| 2020-04-01 | $249,923 (9.8%) | $291,895 (1.6%) | 0.78 | 1,306 |
| 2020-05-01 | $250,000 (8.7%) | $299,273 (3.1%) | 0.76 | 1,304 |
| 2020-06-01 | $240,000 (4.5%) | $292,750 (8.3%) | 0.71 | 1,419 |
| 2020-07-01 | $245,377 (8.0%) | $298,294 (10.8%) | 0.71 | 1,384 |
| 2020-08-01 | $239,900 (10.0%) | $287,885 (7.2%) | 0.69 | 1,343 |
| 2020-09-01 | $221,450 (6.5%) | $273,895 (3.1%) | 0.63 | 1,338 |
| 2020-10-01 | $221,225 (10.7%) | $279,751 (6.3%) | 0.63 | 1,273 |
| 2020-11-01 | $224,900 (12.5%) | $289,613 (10.3%) | 0.66 | 1,132 |
| 2020-12-01 | $229,950 (15.0%) | $299,843 (15.2%) | 0.68 | 901 |
| 2021-01-01 | $249,000 (23.3%) | $309,830 (18.9%) | 0.74 | 772 |
| 2021-02-01 | $264,900 (17.8%) | $320,270 (19.8%) | 0.77 | 709 |
| 2021-03-01 | $254,900 (8.5%) | $311,913 (12.4%) | 0.72 | 744 |
| 2021-04-01 | $236,450 (-5.4%) | $301,778 (3.4%) | 0.64 | 780 |
| 2021-05-01 | $235,000 (-6.0%) | $298,342 (-0.3%) | 0.62 | 831 |
| 2021-06-01 | $236,944 (-1.3%) | $298,956 (2.1%) | 0.62 | 976 |
| 2021-07-01 | $229,900 (-6.3%) | $294,310 (-1.3%) | 0.61 | 1,047 |
| 2021-08-01 | $219,900 (-8.3%) | $292,388 (1.6%) | 0.59 | 1,039 |
| 2021-09-01 | $199,925 (-9.7%) | $281,216 (2.7%) | 0.53 | 1,036 |
| 2021-10-01 | $199,950 (-9.6%) | $281,125 (0.5%) | 0.53 | 933 |
| 2021-11-01 | $199,325 (-11.4%) | $278,419 (-3.9%) | 0.53 | 801 |
| 2021-12-01 | $193,150 (-16.0%) | $284,405 (-5.2%) | 0.52 | 654 |
| 2022-01-01 | $199,900 (-19.7%) | $299,146 (-3.5%) | 0.54 | 540 |
| 2022-02-01 | $222,000 (-16.2%) | $301,494 (-5.9%) | 0.58 | 537 |
| 2022-03-01 | $214,394 (-15.9%) | $282,623 (-9.4%) | 0.54 | 616 |
| 2022-04-01 | $199,900 (-15.5%) | $270,237 (-10.5%) | 0.48 | 722 |
| 2022-05-01 | $219,450 (-6.6%) | $289,476 (-3.0%) | 0.50 | 841 |
| 2022-06-01 | $226,625 (-4.4%) | $301,655 (0.9%) | 0.50 | 939 |
| 2022-07-01 | $229,900 (0.0%) | $306,893 (4.3%) | 0.52 | 982 |
| 2022-08-01 | $224,900 (2.3%) | $297,521 (1.8%) | 0.52 | 973 |
| 2022-09-01 | $220,650 (10.4%) | $293,438 (4.4%) | 0.52 | 960 |
| 2022-10-01 | $224,450 (12.3%) | $300,070 (6.7%) | 0.53 | 944 |
| 2022-11-01 | $221,200 (11.0%) | $304,367 (9.3%) | 0.53 | 883 |
| 2022-12-01 | $229,900 (19.0%) | $316,399 (11.3%) | 0.57 | 755 |
| 2023-01-01 | $226,000 (13.1%) | $320,185 (7.0%) | 0.56 | 667 |
| 2023-02-01 | $229,175 (3.2%) | $321,695 (6.7%) | 0.55 | 668 |
| 2023-03-01 | $252,500 (17.8%) | $331,783 (17.4%) | 0.60 | 670 |
| 2023-04-01 | $264,777 (32.5%) | $329,514 (21.9%) | 0.62 | 712 |
| 2023-05-01 | $263,600 (20.1%) | $327,238 (13.1%) | 0.60 | 737 |
| 2023-06-01 | $269,900 (19.1%) | $337,505 (11.9%) | 0.61 | 839 |
| 2023-07-01 | $250,000 (8.7%) | $347,450 (13.2%) | 0.57 | 856 |
| 2023-08-01 | $249,900 (11.1%) | $333,073 (12.0%) | 0.57 | 864 |
| 2023-09-01 | $249,900 (13.3%) | $343,054 (16.9%) | 0.58 | 860 |
| 2023-10-01 | $249,900 (11.3%) | $342,300 (14.1%) | 0.59 | 884 |
| 2023-11-01 | $234,900 (6.2%) | $323,595 (6.3%) | 0.56 | 831 |
| 2023-12-01 | $249,900 (8.7%) | $330,879 (4.6%) | 0.61 | 718 |
| 2024-01-01 | $244,900 (8.4%) | $324,150 (1.2%) | 0.60 | 616 |
| 2024-02-01 | $248,200 (8.3%) | $326,724 (1.6%) | 0.60 | 633 |
| 2024-03-01 | $279,000 (10.5%) | $346,277 (4.4%) | 0.66 | 642 |
| 2024-04-01 | $279,900 (5.7%) | $352,559 (7.0%) | 0.65 | 699 |
| 2024-05-01 | $294,675 (11.8%) | $378,902 (15.8%) | 0.67 | 848 |
| 2024-06-01 | $269,900 (0.0%) | $363,219 (7.6%) | 0.61 | 831 |
| 2024-07-01 | $272,400 (9.0%) | $350,866 (1.0%) | 0.62 | 886 |
| 2024-08-01 | $274,900 (10.0%) | $359,471 (7.9%) | 0.64 | 880 |
| 2024-09-01 | $277,400 (11.0%) | $356,874 (4.0%) | 0.65 | 924 |
| 2024-10-01 | $269,450 (7.8%) | $371,360 (8.5%) | 0.63 | 948 |
| 2024-11-01 | $250,000 (6.4%) | $364,116 (12.5%) | 0.60 | 844 |
| 2024-12-01 | $249,950 (0.0%) | $361,529 (9.3%) | 0.62 | 711 |
| 2025-01-01 | $258,450 (5.5%) | $370,120 (14.2%) | 0.65 | 657 |
| 2025-02-01 | $268,450 (8.2%) | $381,539 (16.8%) | 0.65 | 659 |
| 2025-03-01 | $279,900 (0.3%) | $384,028 (10.9%) | 0.66 | 602 |
ROCHESTER's median listing price for 2025-03-01 was $279,900, a difference of
$900
(0.3%) versus the prior year and
$11,450 versus the prior month.
ROCHESTER's median listing price comes in at 66% of the national average.
ROCHESTER's average listing price for 2025-03-01 was $384,028, a difference of $37,751 (10.9%) versus the prior year and $2,489 versus the prior month.
For the 2025-03-01 period, ROCHESTER had 602 MLS listings, a difference of -57 listings (-9%) versus the prior month and -40 listings (-6%) versus the prior year.
ROCHESTER's median listing price comes in at 66% of the national average.
ROCHESTER's average listing price for 2025-03-01 was $384,028, a difference of $37,751 (10.9%) versus the prior year and $2,489 versus the prior month.
For the 2025-03-01 period, ROCHESTER had 602 MLS listings, a difference of -57 listings (-9%) versus the prior month and -40 listings (-6%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - ROCHESTER (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 64 days | 1,716 sqft |
| 2018-02-01 | 55 days | 1,763 sqft |
| 2018-03-01 | 40 days | 1,763 sqft |
| 2018-04-01 | 34 days | 1,769 sqft |
| 2018-05-01 | 33 days | 1,767 sqft |
| 2018-06-01 | 33 days | 1,782 sqft |
| 2018-07-01 | 38 days | 1,768 sqft |
| 2018-08-01 | 41 days | 1,756 sqft |
| 2018-09-01 | 45 days | 1,752 sqft |
| 2018-10-01 | 46 days | 1,745 sqft |
| 2018-11-01 | 51 days | 1,727 sqft |
| 2018-12-01 | 62 days | 1,741 sqft |
| 2019-01-01 | 65 days | 1,732 sqft |
| 2019-02-01 | 48 days | 1,744 sqft |
| 2019-03-01 | 39 days | 1,769 sqft |
| 2019-04-01 | 31 days | 1,800 sqft |
| 2019-05-01 | 29 days | 1,811 sqft |
| 2019-06-01 | 30 days | 1,820 sqft |
| 2019-07-01 | 33 days | 1,816 sqft |
| 2019-08-01 | 36 days | 1,803 sqft |
| 2019-09-01 | 37 days | 1,789 sqft |
| 2019-10-01 | 39 days | 1,778 sqft |
| 2019-11-01 | 46 days | 1,772 sqft |
| 2019-12-01 | 56 days | 1,757 sqft |
| 2020-01-01 | 56 days | 1,743 sqft |
| 2020-02-01 | 33 days | 1,746 sqft |
| 2020-03-01 | 30 days | 1,765 sqft |
| 2020-04-01 | 44 days | 1,760 sqft |
| 2020-05-01 | 45 days | 1,812 sqft |
| 2020-06-01 | 23 days | 1,788 sqft |
| 2020-07-01 | 25 days | 1,785 sqft |
| 2020-08-01 | 24 days | 1,752 sqft |
| 2020-09-01 | 24 days | 1,731 sqft |
| 2020-10-01 | 25 days | 1,728 sqft |
| 2020-11-01 | 32 days | 1,708 sqft |
| 2020-12-01 | 43 days | 1,717 sqft |
| 2021-01-01 | 46 days | 1,730 sqft |
| 2021-02-01 | 26 days | 1,749 sqft |
| 2021-03-01 | 14 days | 1,718 sqft |
| 2021-04-01 | 11 days | 1,717 sqft |
| 2021-05-01 | 9 days | 1,708 sqft |
| 2021-06-01 | 10 days | 1,766 sqft |
| 2021-07-01 | 14 days | 1,748 sqft |
| 2021-08-01 | 16 days | 1,737 sqft |
| 2021-09-01 | 18 days | 1,700 sqft |
| 2021-10-01 | 20 days | 1,690 sqft |
| 2021-11-01 | 23 days | 1,682 sqft |
| 2021-12-01 | 34 days | 1,668 sqft |
| 2022-01-01 | 36 days | 1,696 sqft |
| 2022-02-01 | 18 days | 1,710 sqft |
| 2022-03-01 | 10 days | 1,676 sqft |
| 2022-04-01 | 10 days | 1,662 sqft |
| 2022-05-01 | 10 days | 1,703 sqft |
| 2022-06-01 | 11 days | 1,737 sqft |
| 2022-07-01 | 16 days | 1,728 sqft |
| 2022-08-01 | 21 days | 1,699 sqft |
| 2022-09-01 | 22 days | 1,688 sqft |
| 2022-10-01 | 24 days | 1,689 sqft |
| 2022-11-01 | 29 days | 1,702 sqft |
| 2022-12-01 | 38 days | 1,720 sqft |
| 2023-01-01 | 43 days | 1,698 sqft |
| 2023-02-01 | 28 days | 1,708 sqft |
| 2023-03-01 | 24 days | 1,711 sqft |
| 2023-04-01 | 16 days | 1,728 sqft |
| 2023-05-01 | 13 days | 1,708 sqft |
| 2023-06-01 | 12 days | 1,741 sqft |
| 2023-07-01 | 14 days | 1,748 sqft |
| 2023-08-01 | 15 days | 1,731 sqft |
| 2023-09-01 | 17 days | 1,706 sqft |
| 2023-10-01 | 19 days | 1,707 sqft |
| 2023-11-01 | 24 days | 1,670 sqft |
| 2023-12-01 | 35 days | 1,661 sqft |
| 2024-01-01 | 34 days | 1,669 sqft |
| 2024-02-01 | 24 days | 1,677 sqft |
| 2024-03-01 | 20 days | 1,744 sqft |
| 2024-04-01 | 15 days | 1,718 sqft |
| 2024-05-01 | 15 days | 1,728 sqft |
| 2024-06-01 | 24 days | 1,704 sqft |
| 2024-07-01 | 37 days | 1,715 sqft |
| 2024-08-01 | 38 days | 1,728 sqft |
| 2024-09-01 | 35 days | 1,725 sqft |
| 2024-10-01 | 34 days | 1,722 sqft |
| 2024-11-01 | 45 days | 1,692 sqft |
| 2024-12-01 | 55 days | 1,679 sqft |
| 2025-01-01 | 53 days | 1,659 sqft |
| 2025-02-01 | 60 days | 1,670 sqft |
| 2025-03-01 | 33 days | 1,676 sqft |
ROCHESTER's median listing age (time on market) for 2025-03-01 was 33 days.
This
is 65%
longer
than the same period one year ago.
ROCHESTER's median square footage for active listings during the 2025-03-01 period was 1,676 sqft. One year prior, the average listing was 1,744 sqft.
ROCHESTER's median square footage for active listings during the 2025-03-01 period was 1,676 sqft. One year prior, the average listing was 1,744 sqft.
ROCHESTER, NY Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 9,547 | $2,351,375,000 | $246,295 |
| Other | 3,659 | $348,665,000 | $95,290 |
| Home Improvement | 3,474 | $329,220,000 | $94,767 |
| Refi | 2,462 | $628,140,000 | $255,134 |
| Cash Out Refi | 1,938 | $349,180,000 | $180,175 |
Rochester's most frequently cited loan purpose was Home Purchase, with 9,547 originations. The 2nd most popular reason was Other, with 3,659 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 7,002 | $1,744,920,000 | $249,203 |
| Over 8% | 4,598 | $511,910,000 | $111,333 |
| 7-8% | 4,327 | $908,845,000 | $210,040 |
| 4-5% | 2,983 | $299,195,000 | $100,300 |
| 5-6% | 1,118 | $316,130,000 | $282,764 |
| <2.5% | 271 | $17,175,000 | $63,376 |
| 3-4% | 128 | $18,950,000 | $148,047 |
| 2.5-3% | 11 | $1,815,000 | $165,000 |
During 2024, Rochester's most frequently originated rate bucket was 6-7%, with 7,002 originations.
Loan Sizing (ROCHESTER, NY MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 7,576 | $413,110,000 | $54,529 |
| $100k-200k | 7,055 | $1,025,575,000 | $145,369 |
| $200k-400k | 5,366 | $1,424,110,000 | $265,395 |
| $400k-600k | 776 | $366,100,000 | $471,778 |
| $600k-1000k | 209 | $150,355,000 | $719,402 |
| $Over $1MM | 98 | $627,330,000 | $6,401,327 |
ROCHESTER's loan sizing saw the bucket of loans from $100,000 or less with 7,576 originations, totaling $413,110,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 6,322 | $1,504,170,000 | $237,926 |
| 60-80% | 4,260 | $1,174,100,000 | $275,610 |
| 20-40% | 4,060 | $402,430,000 | $99,121 |
| Under 20% | 3,315 | $312,425,000 | $94,246 |
| 40-60% | 2,372 | $473,110,000 | $199,456 |
| Over 100% | 85 | $24,695,000 | $290,529 |
ROCHESTER's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 6,322 originations, totaling $1,504,170,000 in origination value.