UTICA - ROME 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 Utica - Rome averaged 6.4% for the week of 2024-04-11, compared to the national average of 6.88% for the same period.

    The average rate for the prior week (2024-04-04) was 6.54% and one month ago for the week of 2024-03-07, the average rate was 6.5%.

    Utica - Rome's average rate one year ago was 5.9%.

    For refis of the same type during the week of 2024-04-11, the average rate was 7.05%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-04-11 6.88%
    Utica - Rome 30 Year Fixed Rate 2024-04-11 6.4%
    Utica - Rome 30 Year Fixed Rate Refi 2024-04-11 7.05%
    Utica - Rome 15 Year Fixed Rate 2024-04-11 6.66%
    Utica - Rome 15 Year Fixed Rate Refi 2024-04-11 6.99%
    Utica - Rome 30 Year FHA 2024-04-11 6.31%
    Utica - Rome 30 Year FHA Refi 2024-04-11 6.84%
    Utica - Rome 30 Year USDA 2024-04-11 6.71%
    Utica - Rome 30 Year USDA Refi 2024-04-11 6.51%
    Utica - Rome 30 Year VA 2024-04-11 6.36%
    Utica - Rome 30 Year VA Refi 2024-04-11 6.67%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within UTICA-ROME, NY.

    UTICA - ROME 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 UTICA-ROME, 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.).

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Community Bank 122 6.95% $712
    FIRST SOURCE 103 5.50% $3,929
    Adirondack Bank 101 6.25% $3,740
    HOMESTEAD FUNDING CORP. 93 6.64% $4,103
    QUICKEN LOANS, LLC 69 7.18% $6,956
    PLAZA HOME MORTGAGE, INC. 67 6.62% $8,096
    SEFCU SERVICES, LLC 56 6.07% $3,885
    AMERICU Credit Union 45 5.73% $4,327
    Premium Mortgage Corporation 45 6.56% $4,315
    NBT Bank 43 6.15% $3,638
    KeyBank 35 6.26% $4,552
    M&T Bank 27 6.68% $5,361
    GPO Federal Credit Union 24 6.24% $3,317
    HUNT MORTGAGE CORPORATION 24 6.58% $7,299
    MOVEMENT MORTGAGE, LLC 20 6.84% $5,730
    Farm Credit East, ACA 19 7.48% $6,174
    UNITED WHOLESALE MORTGAGE, LLC 14 6.29% $8,757
    JPMorgan Chase Bank 14 6.78% $5,483
    Citizens Bank 14 6.56% $4,348
    PARAGON HOME LOANS INC. 12 6.65% $5,107
    Geddes Federal Savings and Loan Association 11 5.84% $4,767
    Mr. Cooper ( Nationstar Mortgage ) 10 7.13% $7,914
    Berkshire Bank 9 6.08% $4,239
    Genesee Regional Bank 9 7.04% $5,697
    Wells Fargo Bank 8 6.44% $4,017
    Empower Federal Credit Union 8 6.53% $3,287
    PRIMELENDING, A PLAINSCAPITAL COMPANY 8 6.97% $7,351
    1ST PRIORITY MORTGAGE, INC. 8 6.72% $4,552
    ROYAL UNITED MORTGAGE LLC 5 7.33% $5,678
    NEWREZ LLC 5 7.25% $6,473
    CROSSCOUNTRY MORTGAGE, LLC 4 7.59% $7,208
    21ST MORTGAGE CORPORATION 4 8.11% $6,079
    Bank of America 4 5.97% $6,180
    NAVY FEDERAL CREDIT UNION 3 6.29% $5,020
    HOME TOWN FUNDING, INC. 3 6.75% $4,268
    NORTHERN CREDIT UNION 3 6.88% $6,307
    TD Bank 3 6.89% $3,049
    PENNYMAC LOAN SERVICES, LLC 2 6.25% $4,757
    PHH Mortgage Corporation 2 6.44% $5,595
    ARC HOME LLC 2 6.63% $5,989
    LOANDEPOT.COM, LLC 2 7.06% $8,141
    FREEDOM MORTGAGE CORPORATION 2 7.00% $10,255
    The Lyons National Bank 2 6.88% $7,634
    A&D Mortgage LLC 2 10.25% $23,944
    NBKC BANK 2 6.38% $5,163
    Carrington Mortgage Services, LLC 1 6.63% $3,792
    CARDINAL FINANCIAL 1 6.88% $7,726
    BOND STREET MORTGAGE, LLC 1 6.99% $7,890
    BETTER MORTGAGE CORPORATION 1 7.63% $10,102
    Northpointe Bank 1 7.38% $5,734
    Northwest Bank 1 9.13% $2,283
    NP, Inc. 1 9.25% $6,856
    OWNERSCHOICE FUNDING, INCORPORATED 1 7.38% $4,360
    Barrington Bank & Trust Company, N.A. 1 6.13% $3,702
    Pathfinder Bank 1 7.25% $2,576
    PENTAGON FEDERAL CREDIT UNION 1 6.13% $8,433
    AMERICAN FINANCIAL NETWORK, INC. 1 7.50% $5,071
    AMERICAN FEDERAL MORTGAGE CORPORATION 1 7.25% $6,276
    Amalgamated Bank 1 7.13% $6,660
    Ally Bank 1 6.88% $8,505
    THE SUMMIT Federal Credit Union 1 7.38% $5,774
    USAA Federal Savings Bank 1 7.63% $5,425
    U.S. Bank 1 6.50% $4,799
    VAN DYK MORTGAGE CORPORATION 1 6.63% $4,967
    Wayne Bank 1 6.88% $4,380
    First Savings Bank 1 6.75% $3,294
    First Merchants Bank 1 7.00% $6,097
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.63% $7,667
    FM Home Loans, LLC 1 8.25% $6,662
    Evolve Bank & Trust 1 5.88% $5,988
    Discover Bank 1 7.49% $0
    GUIDANCE RESIDENTIAL, LLC 1 7.50% $6,089
    Colonial Savings, F.A. 1 7.00% $5,676
    Citizens & Northern Bank 1 6.50% $21,012
    JET DIRECT FUNDING CORP 1 6.63% $5,265
    Citibank 1 4.00% $9,141
    JUSTICE Federal Credit Union 1 6.38% $3,379
    CFCU Community Credit Union 1 5.88% $0
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 6.63% $5,437
    Metro City Bank 1 7.25% $5,269
    Mortgage Research Center, LLC 1 7.63% $4,955

    UTICA - ROME Average Closing Costs & Other Stats

    UTICA-ROME, NY's 81 lenders originated 4,278 loans during 2023. The total origination value was $779,030,000, with an average loan value of $182,101.

    UTICA - ROME's average closing costs are $4,775.

    The top UTICA - ROME lender as defined by loan originations is Community Bank, with 122 loans originated. Their average total fees are $712, which is $3,217 lower than the next largest lender, FIRST SOURCE.

    The lowest fee UTICA - ROME lenders (with over 10 loans originated) are Community Bank ($712), GPO Federal Credit Union ($3,317), NBT Bank ($3,638), Adirondack Bank ($3,740) and SEFCU SERVICES, LLC ($3,885).

    The lowest rate UTICA - ROME lenders (with over 10 loans originated) are FIRST SOURCE (5.50%), AMERICU Credit Union (5.73%), Geddes Federal Savings and Loan Association (5.84%), SEFCU SERVICES, LLC (6.07%) and NBT Bank (6.15%).

    UTICA-ROME, 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
    JONES LANG LASALLE MULTIFAMILY, LLC $179,545,000 n/a 23.0%
    FIRST SOURCE $132,145,000 $85,240,000 -35.5% 10.9%
    NBT Bank $40,465,000 $52,870,000 30.7% 6.8%
    Adirondack Bank $76,525,000 $45,690,000 -40.3% 5.9%
    AMERICU Credit Union $96,280,000 $43,870,000 -54.4% 5.6%
    PLAZA HOME MORTGAGE, INC. $54,985,000 $36,660,000 -33.3% 4.7%
    HOMESTEAD FUNDING CORP. $34,320,000 $35,000,000 2.0% 4.5%
    Community Bank $57,115,000 $31,820,000 -44.3% 4.1%
    QUICKEN LOANS, LLC $58,290,000 $31,240,000 -46.4% 4.0%
    GPO Federal Credit Union $22,620,000 $22,485,000 -0.6% 2.9%
    Premium Mortgage Corporation $30,155,000 $18,880,000 -37.4% 2.4%
    M&T Bank $30,195,000 $17,045,000 -43.6% 2.2%
    SEFCU SERVICES, LLC $7,440,000 $13,360,000 79.6% 1.7%
    KeyBank $23,610,000 $12,245,000 -48.1% 1.6%
    Citizens Bank $13,620,000 $9,225,000 -32.3% 1.2%
    MOVEMENT MORTGAGE, LLC $9,285,000 $8,055,000 -13.2% 1.0%
    Mortgage Research Center, LLC $6,745,000 $7,605,000 12.8% 1.0%
    HUNT MORTGAGE CORPORATION $10,815,000 $7,600,000 -29.7% 1.0%
    Geddes Federal Savings and Loan Association $8,260,000 $7,285,000 -11.8% 0.9%
    NAVY FEDERAL CREDIT UNION $5,015,000 $6,185,000 23.3% 0.8%
    Empower Federal Credit Union $8,605,000 $5,550,000 -35.5% 0.7%
    Farm Credit East, ACA $7,190,000 $5,410,000 -24.8% 0.7%
    Berkshire Bank $7,540,000 $4,715,000 -37.5% 0.6%
    UNITED WHOLESALE MORTGAGE, LLC $8,835,000 $4,565,000 -48.3% 0.6%
    21ST MORTGAGE CORPORATION $2,530,000 $3,055,000 20.8% 0.4%
    Genesee Regional Bank $4,100,000 $2,915,000 -28.9% 0.4%
    PARAGON HOME LOANS INC. $9,115,000 $2,870,000 -68.5% 0.4%
    ACCESS Federal Credit Union $2,380,000 $2,845,000 19.5% 0.4%
    USAA Federal Savings Bank $4,475,000 $2,740,000 -38.8% 0.4%
    Wells Fargo Bank $7,590,000 $2,730,000 -64.0% 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $7,125,000 $2,565,000 -64.0% 0.3%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $5,420,000 $2,540,000 -53.1% 0.3%
    JPMorgan Chase Bank $5,320,000 $2,520,000 -52.6% 0.3%
    HOME TOWN FUNDING, INC. $1,370,000 $2,255,000 64.6% 0.3%
    Arbor Realty Trust, Inc. $2,025,000 n/a 0.3%
    1ST PRIORITY MORTGAGE, INC. $3,785,000 $1,920,000 -49.3% 0.2%
    LIMA ONE CAPITAL, LLC $870,000 $1,820,000 109.2% 0.2%
    Bank of America $2,930,000 $1,810,000 -38.2% 0.2%
    LENDINGHOME FUNDING CORPORATION $340,000 $1,480,000 335.3% 0.2%
    TD Bank $680,000 $1,370,000 101.5% 0.2%
    A&D Mortgage LLC $175,000 $1,345,000 668.6% 0.2%
    LOANDEPOT.COM, LLC $4,445,000 $1,195,000 -73.1% 0.2%
    NEWREZ LLC $1,190,000 $1,165,000 -2.1% 0.1%
    CROSSCOUNTRY MORTGAGE, LLC $2,315,000 $1,150,000 -50.3% 0.1%
    STATE EMPLOYEES FEDERAL CREDIT UNION $950,000 $1,120,000 17.9% 0.1%
    NORTHERN CREDIT UNION $695,000 $1,115,000 60.4% 0.1%
    RELIANCE FIRST CAPITAL, LLC $1,070,000 $1,105,000 3.3% 0.1%
    Pathfinder Bank $790,000 $1,065,000 34.8% 0.1%
    Discover Bank $245,000 $1,040,000 324.5% 0.1%
    FREEDOM MORTGAGE CORPORATION $835,000 $1,015,000 21.6% 0.1%
    Barrington Bank & Trust Company, N.A. $1,640,000 $980,000 -40.2% 0.1%
    PENTAGON FEDERAL CREDIT UNION $685,000 $940,000 37.2% 0.1%
    ROYAL UNITED MORTGAGE LLC $1,630,000 $920,000 -43.6% 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $750,000 $885,000 18.0% 0.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $575,000 $880,000 53.0% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $485,000 $805,000 66.0% 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $1,720,000 $735,000 -57.3% 0.1%
    The Lyons National Bank $1,135,000 $730,000 -35.7% 0.1%
    PENNYMAC LOAN SERVICES, LLC $105,000 $715,000 581.0% 0.1%
    U.S. Bank $240,000 $700,000 191.7% 0.1%
    Citizens & Northern Bank $685,000 n/a 0.1%
    FIRST CREDIT CORPORATION OF NEW YORK, INC. $760,000 $660,000 -13.2% 0.1%
    TEMPLE VIEW CAPITAL FUNDING, LP $75,000 $660,000 780.0% 0.1%
    The Bank of Greene County $615,000 n/a 0.1%
    Carthage Federal Savings and Loan Association $610,000 n/a 0.1%
    Northwest Bank $605,000 n/a 0.1%
    VELOCITY COMMERCIAL CAPITAL, LLC $595,000 n/a 0.1%
    The National Bank of Coxsackie $1,470,000 $590,000 -59.9% 0.1%
    Ballston Spa National Bank $995,000 $535,000 -46.2% 0.1%
    Service Federal Credit Union $355,000 $510,000 43.7% 0.1%
    Wayne Bank $510,000 $465,000 -8.8% 0.1%
    TOTAL MORTGAGE SERVICES, LLC $135,000 $450,000 233.3% 0.1%
    Bank of England $1,030,000 $415,000 -59.7% 0.1%
    Citibank $75,000 $405,000 440.0% 0.1%
    CARDINAL FINANCIAL $390,000 $390,000 0.0% 0.1%
    Northpointe Bank $390,000 n/a 0.1%
    PHH Mortgage Corporation $535,000 $375,000 -29.9% 0.0%
    THE SUMMIT Federal Credit Union $405,000 $375,000 -7.4% 0.0%
    First Savings Bank $355,000 n/a 0.0%
    Carrington Mortgage Services, LLC $2,290,000 $350,000 -84.7% 0.0%
    Webster Bank $330,000 n/a 0.0%
    Ally Bank $235,000 $325,000 38.3% 0.0%
    AMERICAN FEDERAL MORTGAGE CORPORATION $325,000 n/a 0.0%
    NATIONWIDE MORTGAGE BANKERS, INC. $295,000 $310,000 5.1% 0.0%
    NBKC BANK $335,000 $310,000 -7.5% 0.0%
    US MORTGAGE CORPORATION $310,000 n/a 0.0%
    ARC HOME LLC $300,000 n/a 0.0%
    FINANCE OF AMERICA REVERSE LLC $250,000 $300,000 20.0% 0.0%
    Tompkins Trust Company $1,435,000 $300,000 -79.1% 0.0%
    BETTER MORTGAGE CORPORATION $755,000 $295,000 -60.9% 0.0%
    CONTOUR MORTGAGE CORPORATION $470,000 $285,000 -39.4% 0.0%
    WINGS FINANCIAL $285,000 n/a 0.0%
    Nations Lending Corporation $265,000 n/a 0.0%
    AMWEST FUNDING CORP. $260,000 n/a 0.0%
    HUDSON HERITAGE $255,000 n/a 0.0%
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. $255,000 n/a 0.0%
    Evolve Bank & Trust $245,000 n/a 0.0%
    JUSTICE Federal Credit Union $245,000 n/a 0.0%
    Solvay Bank $725,000 $245,000 -66.2% 0.0%
    SUN WEST MORTGAGE COMPANY, INC. $245,000 n/a 0.0%
    Flagstar Bank, FSB $750,000 $240,000 -68.0% 0.0%
    JET DIRECT FUNDING CORP $225,000 n/a 0.0%
    WALL STREET MORTGAGE BANKERS, LTD. $225,000 n/a 0.0%
    AMERICAN HERITAGE LENDING, INC. $205,000 n/a 0.0%
    First Merchants Bank $205,000 n/a 0.0%
    Seneca Savings $275,000 $205,000 -25.5% 0.0%
    OWNERSCHOICE FUNDING, INCORPORATED $135,000 $195,000 44.4% 0.0%
    Centier Bank $45,000 $180,000 300.0% 0.0%
    ABSOLUTE HOME MORTGAGE CORPORATION $175,000 n/a 0.0%
    ALLIED MORTGAGE GROUP, INC. $175,000 n/a 0.0%
    Colonial Savings, F.A. $735,000 $175,000 -76.2% 0.0%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $945,000 $175,000 -81.5% 0.0%
    Amalgamated Bank $165,000 n/a 0.0%
    The Federal Savings Bank $490,000 $165,000 -66.3% 0.0%
    Metro City Bank $160,000 n/a 0.0%
    BOND STREET MORTGAGE, LLC $145,000 n/a 0.0%
    FM Home Loans, LLC $245,000 $145,000 -40.8% 0.0%
    The Canandaigua National Bank and Trust Company $735,000 $145,000 -80.3% 0.0%
    CFCU Community Credit Union $155,000 $135,000 -12.9% 0.0%
    EMBRACE HOME LOANS, INC. $420,000 $135,000 -67.9% 0.0%
    PNC Bank $13,555,000 $130,000 -99.0% 0.0%
    GUIDANCE RESIDENTIAL, LLC $235,000 $125,000 -46.8% 0.0%
    NP, Inc. $125,000 n/a 0.0%
    UIF CORPORATION $495,000 $125,000 -74.7% 0.0%
    Plains Commerce Bank $115,000 n/a 0.0%
    CORNING $125,000 $105,000 -16.0% 0.0%
    VAN DYK MORTGAGE CORPORATION $105,000 n/a 0.0%
    LENDINGONE, LLC $95,000 n/a 0.0%
    MID-ISLAND MORTGAGE CORP. $95,000 n/a 0.0%
    Ukrainian Federal Credit Union $95,000 $95,000 0.0% 0.0%
    AMERICAN FINANCING CORPORATION $390,000 $85,000 -78.2% 0.0%
    GREENWOOD $280,000 $80,000 -71.4% 0.0%
    AMERICAN FINANCIAL NETWORK, INC. $75,000 n/a 0.0%
    FIRST NEW YORK $75,000 n/a 0.0%
    Fulton Savings Bank $980,000 $75,000 -92.3% 0.0%
    The People's Credit Union $110,000 $75,000 -31.8% 0.0%
    Municipal Credit Union $55,000 n/a 0.0%
    UTILITIES EMPLOYEES CREDIT UNION $265,000 $55,000 -79.2% 0.0%
    Bethpage Federal Credit Union $85,000 $45,000 -47.1% 0.0%
    TRADEMARK $45,000 n/a 0.0%
    Baxter Credit Union $35,000 n/a 0.0%
    SUNMARK FEDERAL CREDIT UNION $680,000 $15,000 -97.8% 0.0%

    UTICA - ROME's top lender by overall market share is JONES LANG LASALLE MULTIFAMILY, LLC, with 23.0% market share. In second place, with 10.9%, is FIRST SOURCE, having originated $85,240,000 in loans. In third place, with 6.8%, is NBT Bank, having originated $52,870,000 in loans. In fourth place, with 5.9%, is Adirondack Bank, having originated $45,690,000 in loans. In fifth place, with 5.6%, is AMERICU Credit Union, having originated $43,870,000 in loans.

    UTICA - ROME Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - UTICA - ROME (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 $124,425 (3.8%) $188,284 (7.1%) 0.46 903
    2018-02-01 $125,975 (0.9%) $193,025 (6.2%) 0.46 878
    2018-03-01 $129,250 (-0.2%) $196,765 (5.9%) 0.45 849
    2018-04-01 $139,250 (7.2%) $204,120 (7.6%) 0.47 846
    2018-05-01 $138,450 (2.6%) $203,655 (6.6%) 0.46 865
    2018-06-01 $149,000 (6.5%) $216,767 (13.6%) 0.50 979
    2018-07-01 $149,900 (2.0%) $218,719 (12.6%) 0.50 1,064
    2018-08-01 $146,475 (4.3%) $213,433 (5.3%) 0.49 1,106
    2018-09-01 $144,900 (3.6%) $210,792 (6.9%) 0.49 1,129
    2018-10-01 $135,375 (-0.8%) $197,863 (1.3%) 0.46 1,091
    2018-11-01 $133,200 (0.0%) $199,757 (2.3%) 0.45 1,008
    2018-12-01 $129,900 (0.7%) $197,690 (3.9%) 0.45 943
    2019-01-01 $129,900 (4.4%) $201,842 (7.2%) 0.45 859
    2019-02-01 $131,175 (4.1%) $208,257 (7.9%) 0.44 769
    2019-03-01 $139,929 (8.3%) $217,116 (10.3%) 0.46 744
    2019-04-01 $149,900 (7.7%) $223,671 (9.6%) 0.48 730
    2019-05-01 $154,900 (11.9%) $222,900 (9.5%) 0.48 749
    2019-06-01 $154,900 (4.0%) $225,761 (4.2%) 0.48 818
    2019-07-01 $159,900 (6.7%) $226,446 (3.5%) 0.50 886
    2019-08-01 $157,868 (7.8%) $223,864 (4.9%) 0.50 908
    2019-09-01 $154,820 (6.9%) $224,557 (6.5%) 0.50 915
    2019-10-01 $151,175 (11.7%) $225,019 (13.7%) 0.49 907
    2019-11-01 $145,900 (9.5%) $222,199 (11.2%) 0.48 855
    2019-12-01 $145,450 (12.0%) $221,943 (12.3%) 0.49 764
    2020-01-01 $144,950 (11.6%) $227,115 (12.5%) 0.48 671
    2020-02-01 $148,000 (12.8%) $229,566 (10.2%) 0.48 629
    2020-03-01 $154,900 (10.7%) $223,725 (3.0%) 0.49 590
    2020-04-01 $156,975 (4.7%) $235,692 (5.4%) 0.49 566
    2020-05-01 $169,900 (9.7%) $248,395 (11.4%) 0.52 566
    2020-06-01 $179,450 (15.9%) $249,119 (10.4%) 0.53 538
    2020-07-01 $169,900 (6.3%) $249,554 (10.2%) 0.49 532
    2020-08-01 $170,950 (8.3%) $242,580 (8.4%) 0.49 513
    2020-09-01 $172,450 (11.4%) $237,585 (5.8%) 0.49 513
    2020-10-01 $169,900 (12.4%) $233,247 (3.7%) 0.49 538
    2020-11-01 $169,800 (16.4%) $223,346 (0.5%) 0.50 513
    2020-12-01 $167,450 (15.1%) $222,431 (0.2%) 0.50 475
    2021-01-01 $164,700 (13.6%) $228,334 (0.5%) 0.49 402
    2021-02-01 $169,900 (14.8%) $233,409 (1.7%) 0.49 329
    2021-03-01 $176,400 (13.9%) $252,421 (12.8%) 0.50 288
    2021-04-01 $192,400 (22.6%) $264,519 (12.2%) 0.52 273
    2021-05-01 $199,000 (17.1%) $264,599 (6.5%) 0.53 315
    2021-06-01 $199,900 (11.4%) $284,558 (14.2%) 0.53 347
    2021-07-01 $199,900 (17.7%) $279,271 (11.9%) 0.53 394
    2021-08-01 $192,500 (12.6%) $268,763 (10.8%) 0.51 451
    2021-09-01 $198,000 (14.8%) $272,729 (14.8%) 0.53 470
    2021-10-01 $184,950 (8.9%) $266,709 (14.4%) 0.49 430
    2021-11-01 $177,400 (4.5%) $252,234 (12.9%) 0.47 396
    2021-12-01 $179,450 (7.2%) $254,238 (14.3%) 0.49 347
    2022-01-01 $179,000 (8.7%) $246,613 (8.0%) 0.48 315
    2022-02-01 $169,450 (-0.3%) $244,820 (4.9%) 0.44 265
    2022-03-01 $179,900 (2.0%) $262,173 (3.9%) 0.45 251
    2022-04-01 $185,000 (-3.9%) $263,132 (-0.5%) 0.44 258
    2022-05-01 $184,900 (-7.1%) $282,365 (6.7%) 0.42 304
    2022-06-01 $199,900 (0.0%) $290,195 (2.0%) 0.45 366
    2022-07-01 $199,000 (-0.5%) $279,080 (-0.1%) 0.45 437
    2022-08-01 $190,738 (-0.9%) $263,571 (-1.9%) 0.44 455
    2022-09-01 $189,000 (-4.6%) $252,839 (-7.3%) 0.44 482
    2022-10-01 $189,900 (2.7%) $253,235 (-5.1%) 0.45 487
    2022-11-01 $179,450 (1.2%) $251,089 (-0.5%) 0.43 448
    2022-12-01 $175,000 (-2.5%) $246,419 (-3.1%) 0.43 394
    2023-01-01 $174,900 (-2.3%) $250,158 (1.4%) 0.43 337
    2023-02-01 $176,975 (4.4%) $253,481 (3.5%) 0.43 293
    2023-03-01 $188,450 (4.8%) $266,768 (1.8%) 0.44 279
    2023-04-01 $197,500 (6.8%) $272,878 (3.7%) 0.46 269
    2023-05-01 $206,175 (11.5%) $276,952 (-1.9%) 0.47 290
    2023-06-01 $209,950 (5.0%) $287,098 (-1.1%) 0.47 297
    2023-07-01 $228,250 (14.7%) $315,641 (13.1%) 0.52 335
    2023-08-01 $229,125 (20.1%) $313,034 (18.8%) 0.53 385
    2023-09-01 $229,000 (21.2%) $322,159 (27.4%) 0.53 416
    2023-10-01 $224,725 (18.3%) $315,161 (24.5%) 0.53 410
    2023-11-01 $229,450 (27.9%) $313,641 (24.9%) 0.55 416
    2023-12-01 $229,000 (30.9%) $315,949 (28.2%) 0.56 392
    2024-01-01 $234,500 (34.1%) $317,640 (27.0%) 0.57 356
    2024-02-01 $238,250 (34.6%) $323,918 (27.8%) 0.57 328
    2024-03-01 $239,900 (27.3%) $332,473 (24.6%) 0.56 322
    UTICA - ROME's median listing price for 2024-03-01 was $239,900, a difference of $51,450 (27.3%) versus the prior year and $1,650 versus the prior month.

    UTICA - ROME's median listing price comes in at 56% of the national average.

    UTICA - ROME's average listing price for 2024-03-01 was $332,473, a difference of $65,705 (24.6%) versus the prior year and $8,555 versus the prior month.

    For the 2024-03-01 period, UTICA - ROME had 322 MLS listings, a difference of -6 listings (-2%) versus the prior month and 43 listings (15%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - UTICA - ROME (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 106 days 1,522 sqft
    2018-02-01 105 days 1,554 sqft
    2018-03-01 103 days 1,568 sqft
    2018-04-01 86 days 1,624 sqft
    2018-05-01 53 days 1,648 sqft
    2018-06-01 50 days 1,678 sqft
    2018-07-01 56 days 1,667 sqft
    2018-08-01 59 days 1,676 sqft
    2018-09-01 67 days 1,662 sqft
    2018-10-01 74 days 1,625 sqft
    2018-11-01 83 days 1,633 sqft
    2018-12-01 92 days 1,594 sqft
    2019-01-01 94 days 1,580 sqft
    2019-02-01 98 days 1,579 sqft
    2019-03-01 88 days 1,625 sqft
    2019-04-01 70 days 1,660 sqft
    2019-05-01 55 days 1,668 sqft
    2019-06-01 47 days 1,665 sqft
    2019-07-01 51 days 1,660 sqft
    2019-08-01 56 days 1,655 sqft
    2019-09-01 63 days 1,664 sqft
    2019-10-01 68 days 1,667 sqft
    2019-11-01 71 days 1,650 sqft
    2019-12-01 92 days 1,640 sqft
    2020-01-01 107 days 1,645 sqft
    2020-02-01 106 days 1,632 sqft
    2020-03-01 106 days 1,668 sqft
    2020-04-01 104 days 1,680 sqft
    2020-05-01 113 days 1,700 sqft
    2020-06-01 95 days 1,664 sqft
    2020-07-01 53 days 1,658 sqft
    2020-08-01 60 days 1,664 sqft
    2020-09-01 57 days 1,703 sqft
    2020-10-01 54 days 1,680 sqft
    2020-11-01 63 days 1,677 sqft
    2020-12-01 78 days 1,679 sqft
    2021-01-01 93 days 1,641 sqft
    2021-02-01 103 days 1,632 sqft
    2021-03-01 85 days 1,642 sqft
    2021-04-01 62 days 1,708 sqft
    2021-05-01 38 days 1,680 sqft
    2021-06-01 35 days 1,684 sqft
    2021-07-01 42 days 1,688 sqft
    2021-08-01 41 days 1,655 sqft
    2021-09-01 45 days 1,663 sqft
    2021-10-01 56 days 1,656 sqft
    2021-11-01 62 days 1,651 sqft
    2021-12-01 76 days 1,663 sqft
    2022-01-01 81 days 1,623 sqft
    2022-02-01 75 days 1,585 sqft
    2022-03-01 63 days 1,584 sqft
    2022-04-01 54 days 1,626 sqft
    2022-05-01 42 days 1,603 sqft
    2022-06-01 35 days 1,654 sqft
    2022-07-01 43 days 1,632 sqft
    2022-08-01 50 days 1,630 sqft
    2022-09-01 53 days 1,600 sqft
    2022-10-01 58 days 1,585 sqft
    2022-11-01 62 days 1,591 sqft
    2022-12-01 76 days 1,584 sqft
    2023-01-01 82 days 1,584 sqft
    2023-02-01 90 days 1,588 sqft
    2023-03-01 79 days 1,601 sqft
    2023-04-01 68 days 1,600 sqft
    2023-05-01 49 days 1,593 sqft
    2023-06-01 48 days 1,585 sqft
    2023-07-01 44 days 1,644 sqft
    2023-08-01 44 days 1,632 sqft
    2023-09-01 52 days 1,628 sqft
    2023-10-01 60 days 1,617 sqft
    2023-11-01 60 days 1,668 sqft
    2023-12-01 70 days 1,653 sqft
    2024-01-01 76 days 1,656 sqft
    2024-02-01 79 days 1,631 sqft
    2024-03-01 68 days 1,628 sqft
    UTICA - ROME's median listing age (time on market) for 2024-03-01 was 68 days. This is -14% shorter than the same period one year ago.

    UTICA - ROME's median square footage for active listings during the 2024-03-01 period was 1,628 sqft. One year prior, the average listing was 1,601 sqft.

    UTICA-ROME, 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.

    For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
    Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
    13032 Utica-Rome, NY MSA $770 $870 $1,070 $1,320 $1,520
    13042 Utica-Rome, NY MSA $1,030 $1,100 $1,370 $1,680 $1,960
    13054 Utica-Rome, NY MSA $850 $860 $1,080 $1,340 $1,550
    13123 Utica-Rome, NY MSA $850 $880 $1,100 $1,340 $1,580
    13157 Utica-Rome, NY MSA $900 $910 $1,140 $1,390 $1,640
    13162 Utica-Rome, NY MSA $840 $850 $1,080 $1,330 $1,540
    13301 Utica-Rome, NY MSA $720 $720 $910 $1,110 $1,310
    13303 Utica-Rome, NY MSA $760 $760 $960 $1,170 $1,380
    13304 Utica-Rome, NY MSA $910 $910 $1,150 $1,400 $1,660
    13308 Utica-Rome, NY MSA $850 $850 $1,070 $1,300 $1,540
    13309 Utica-Rome, NY MSA $700 $700 $880 $1,070 $1,270
    13313 Utica-Rome, NY MSA $700 $710 $890 $1,080 $1,280
    13316 Utica-Rome, NY MSA $700 $710 $880 $1,080 $1,270
    13318 Utica-Rome, NY MSA $820 $830 $1,040 $1,270 $1,500
    13319 Utica-Rome, NY MSA $710 $720 $900 $1,100 $1,300
    13321 Utica-Rome, NY MSA $760 $760 $960 $1,170 $1,380
    13322 Utica-Rome, NY MSA $750 $760 $950 $1,160 $1,370
    13323 Utica-Rome, NY MSA $940 $950 $1,190 $1,450 $1,710
    13324 Utica-Rome, NY MSA $700 $710 $890 $1,080 $1,280
    13328 Utica-Rome, NY MSA $780 $790 $990 $1,210 $1,430
    13329 Utica-Rome, NY MSA $650 $660 $830 $1,010 $1,190
    13331 Utica-Rome, NY MSA $700 $710 $890 $1,080 $1,280
    13338 Utica-Rome, NY MSA $720 $720 $910 $1,110 $1,310
    13339 Utica-Rome, NY MSA $750 $760 $950 $1,160 $1,370
    13340 Utica-Rome, NY MSA $730 $740 $930 $1,130 $1,340
    13341 Utica-Rome, NY MSA $940 $950 $1,190 $1,450 $1,710
    13350 Utica-Rome, NY MSA $810 $820 $1,030 $1,250 $1,480
    13352 Utica-Rome, NY MSA $730 $740 $920 $1,120 $1,330
    13354 Utica-Rome, NY MSA $660 $660 $830 $1,010 $1,200
    13357 Utica-Rome, NY MSA $660 $670 $840 $1,020 $1,210
    13360 Utica-Rome, NY MSA $700 $710 $890 $1,080 $1,280
    13361 Utica-Rome, NY MSA $700 $710 $890 $1,080 $1,280
    13362 Utica-Rome, NY MSA $740 $750 $940 $1,150 $1,360
    13363 Utica-Rome, NY MSA $1,070 $1,080 $1,360 $1,660 $1,960
    13365 Utica-Rome, NY MSA $650 $660 $830 $1,010 $1,190
    13367 Utica-Rome, NY MSA $730 $740 $930 $1,130 $1,340
    13401 Utica-Rome, NY MSA $770 $770 $970 $1,180 $1,400
    13402 Utica-Rome, NY MSA $750 $840 $1,040 $1,280 $1,480
    13403 Utica-Rome, NY MSA $710 $720 $900 $1,100 $1,300
    13406 Utica-Rome, NY MSA $850 $860 $1,080 $1,310 $1,560
    13407 Utica-Rome, NY MSA $690 $690 $870 $1,060 $1,250
    13409 Utica-Rome, NY MSA $760 $850 $1,050 $1,290 $1,500
    13413 Utica-Rome, NY MSA $960 $960 $1,210 $1,470 $1,740
    13416 Utica-Rome, NY MSA $650 $660 $830 $1,010 $1,190
    13417 Utica-Rome, NY MSA $760 $760 $960 $1,170 $1,380
    13420 Utica-Rome, NY MSA $700 $710 $890 $1,080 $1,280
    13421 Utica-Rome, NY MSA $720 $790 $980 $1,210 $1,400
    13424 Utica-Rome, NY MSA $730 $740 $930 $1,130 $1,340
    13425 Utica-Rome, NY MSA $740 $750 $940 $1,150 $1,360
    13431 Utica-Rome, NY MSA $750 $760 $950 $1,160 $1,370
    13435 Utica-Rome, NY MSA $730 $740 $930 $1,130 $1,340
    13438 Utica-Rome, NY MSA $730 $740 $930 $1,130 $1,340
    13439 Utica-Rome, NY MSA $730 $730 $920 $1,120 $1,330
    13440 Utica-Rome, NY MSA $770 $780 $980 $1,190 $1,410
    13441 Utica-Rome, NY MSA $730 $740 $930 $1,130 $1,340
    13442 Utica-Rome, NY MSA $770 $770 $970 $1,180 $1,400
    13454 Utica-Rome, NY MSA $690 $690 $870 $1,060 $1,250
    13455 Utica-Rome, NY MSA $770 $770 $970 $1,180 $1,400
    13456 Utica-Rome, NY MSA $850 $850 $1,070 $1,300 $1,540
    13461 Utica-Rome, NY MSA $810 $820 $1,030 $1,250 $1,480
    13469 Utica-Rome, NY MSA $710 $720 $900 $1,100 $1,300
    13470 Utica-Rome, NY MSA $650 $660 $830 $1,010 $1,190
    13471 Utica-Rome, NY MSA $800 $800 $1,010 $1,230 $1,460
    13472 Utica-Rome, NY MSA $700 $710 $890 $1,080 $1,280
    13475 Utica-Rome, NY MSA $750 $760 $950 $1,160 $1,370
    13476 Utica-Rome, NY MSA $770 $780 $980 $1,190 $1,410
    13477 Utica-Rome, NY MSA $770 $800 $1,000 $1,220 $1,440
    13478 Utica-Rome, NY MSA $730 $740 $930 $1,130 $1,340
    13479 Utica-Rome, NY MSA $770 $770 $970 $1,180 $1,400
    13480 Utica-Rome, NY MSA $700 $710 $890 $1,090 $1,280
    13483 Utica-Rome, NY MSA $1,130 $1,140 $1,430 $1,740 $2,060
    13486 Utica-Rome, NY MSA $860 $870 $1,090 $1,330 $1,570
    13489 Utica-Rome, NY MSA $750 $750 $950 $1,160 $1,370
    13490 Utica-Rome, NY MSA $790 $800 $1,000 $1,210 $1,440
    13491 Utica-Rome, NY MSA $700 $720 $900 $1,090 $1,290
    13492 Utica-Rome, NY MSA $770 $770 $970 $1,180 $1,400
    13494 Utica-Rome, NY MSA $710 $710 $900 $1,100 $1,300
    13495 Utica-Rome, NY MSA $690 $690 $870 $1,060 $1,250
    13501 Utica-Rome, NY MSA $690 $690 $870 $1,060 $1,250
    13502 Utica-Rome, NY MSA $780 $790 $990 $1,200 $1,430
    13503 Utica-Rome, NY MSA $770 $770 $970 $1,180 $1,400
    13504 Utica-Rome, NY MSA $770 $770 $970 $1,180 $1,400
    13505 Utica-Rome, NY MSA $770 $770 $970 $1,180 $1,400

    2022 Average & Median Rent Data Statistics
    UTICA-ROME, NY average 1BR rent: $778, median: $760
    UTICA-ROME, NY average 2BR rent: $977, median: $950
    UTICA-ROME, NY average 3BR rent: $1,191, median: $1,160

    UTICA-ROME, NY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 2,041 $368,525,000 $180,561
    Home Improvement 892 $75,630,000 $84,787
    Refi 564 $260,780,000 $462,376
    Other 545 $38,745,000 $71,092
    Cash Out Refi 232 $35,050,000 $151,078
    NA 4 $300,000 $75,000

    Utica - Rome's most frequently cited loan purpose was Home Purchase, with 2,041 originations. The 2nd most popular reason was Home Improvement, with 892 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 1,371 $227,845,000 $166,189
    5-6% 917 $314,715,000 $343,201
    7-8% 715 $116,425,000 $162,832
    Over 8% 551 $51,045,000 $92,641
    4-5% 330 $34,500,000 $104,545
    3-4% 196 $16,260,000 $82,959
    <2.5% 133 $12,495,000 $93,947
    2.5-3% 4 $420,000 $105,000

    During 2023, Utica - Rome's most frequently originated rate bucket was 6-7%, with 1,371 originations.

    Loan Sizing (UTICA-ROME, NY MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 1,930 $106,680,000 $55,275
    $100k-200k 1,543 $221,245,000 $143,386
    $200k-400k 707 $185,055,000 $261,747
    $400k-600k 68 $31,770,000 $467,206
    $600k-1000k 21 $14,535,000 $692,143
    $Over $1MM 9 $219,745,000 $24,416,111

    UTICA - ROME's loan sizing saw the bucket of loans from $100,000 or less with 1,930 originations, totaling $106,680,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 1,473 $288,275,000 $195,706
    60-80% 830 $157,300,000 $189,518
    20-40% 815 $57,495,000 $70,546
    Under 20% 608 $23,390,000 $38,470
    40-60% 451 $56,845,000 $126,042
    Over 100% 34 $189,720,000 $5,580,000

    UTICA - ROME's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,473 originations, totaling $288,275,000 in origination value.