Aberdeen Mortgage Rates

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  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Loan Attributes
  • Market Conditions & Pricing
  • Time on Market/Property Size
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Aberdeen averaged 5.85% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

    The average rate for the prior week (2022-06-23) was 5.76% and one month ago for the week of 2022-05-26, the average rate was 5.05%.

    Aberdeen's average rate one year ago was 3%.

    For refis of the same type during the week of 2022-06-30, the average rate was 5.57%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2022-06-30 5.7%
    Aberdeen 30 Year Fixed Rate 2022-06-30 5.85%
    Aberdeen 30 Year Fixed Rate Refi 2022-06-30 5.57%
    Aberdeen 15 Year Fixed Rate 2022-06-30 5.12%
    Aberdeen 15 Year Fixed Rate Refi 2022-06-30 4.88%
    Aberdeen 30 Year FHA 2022-06-30 5.57%
    Aberdeen 30 Year FHA Refi 2022-06-30 5.7%
    Aberdeen 30 Year USDA 2022-06-30 5.27%
    Aberdeen 30 Year USDA Refi 2022-06-30 5.15%
    Aberdeen 30 Year VA 2022-06-30 5.72%
    Aberdeen 30 Year VA Refi 2022-06-30 5.07%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Aberdeen, SD.

    Aberdeen Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Aberdeen, SD 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
    Dacotah Bank 105 2.96% $3,628
    Plains Commerce Bank 75 3.04% $4,379
    CORTRUST MORTGAGE, INC. 55 2.87% $4,775
    Wells Fargo Bank 49 3.16% $3,689
    Great Western Bank 32 3.07% $4,232
    Goldwater Bank, N.A. 25 3.17% $5,822
    QUICKEN LOANS, LLC 20 3.13% $4,476
    CU MORTGAGE DIRECT, LLC 11 2.91% $3,880
    U.S. Bank 11 3.11% $3,633
    First PREMIER Bank 6 2.69% $4,952
    Farm Credit Mid-America, ACA 6 3.38% $8,054
    CALIBER HOME LOANS, INC. 5 2.86% $3,313
    Reliabank Dakota 4 3.03% $4,122
    AMERISAVE MORTGAGE CORPORATION 4 3.03% $4,116
    BETTER MORTGAGE CORPORATION 3 3.17% $2,965
    GUARANTEED RATE, INC. 3 3.17% $3,960
    Wyndham Capital Mortgage, Inc. 2 3.00% $3,016
    BLACK HILLS FEDERAL CREDIT UNION 2 2.93% $4,168
    CHURCHILL MORTGAGE CORPORATION 2 3.44% $2,956
    Citizens Bank 2 3.25% $3,747
    CROSSCOUNTRY MORTGAGE, LLC 2 3.38% $3,902
    First Bank & Trust 2 2.75% $6,094
    LOANDEPOT.COM, LLC 2 2.75% $5,255
    Mr. Cooper ( Nationstar Mortgage ) 2 3.19% $4,885
    PENNYMAC LOAN SERVICES, LLC 2 3.12% $5,739
    UNITED WHOLESALE MORTGAGE, LLC 2 3.25% $5,669
    Heritage Bank 1 3.75% $5,178
    KELLER MORTGAGE, LLC 1 2.88% $1,768
    American Bank & Trust 1 2.88% $4,208
    Mortgage Research Center, LLC 1 2.75% $3,844
    American Mortgage & Equity Consultants, Inc. 1 3.00% $4,020
    NEWREZ LLC 1 5.00% $6,112
    Northpointe Bank 1 3.25% $3,713
    Old National Bank 1 2.75% $4,539
    AMERICAN FINANCING CORPORATION 1 2.88% $3,171
    CMG MORTGAGE, INC. 1 3.13% $7,001
    PREMIA MORTGAGE, LLC 1 2.99% $726
    BROKER SOLUTIONS, INC. 1 2.88% $3,640
    Bell Bank 1 2.88% $3,440
    SIRVA MORTGAGE, INC. 1 3.38% $532
    Starion Bank 1 3.13% $9,733
    Summit Mortgage Corporation 1 3.63% $3,531
    TCF National Bank 1 2.75% $3,321
    The Federal Savings Bank 1 3.25% $5,560
    Flagstar Bank, FSB 1 4.13% $5,875
    First International Bank & Trust 1 3.00% $5,156
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 3.25% $4,170
    CRESCENT MORTGAGE COMPANY 1 2.88% $2,989

    Aberdeen, SD's 48 lenders originated 1,221 loans during 2021. The total origination value was $256,665,000, with an average loan value of $210,209.

    The top Aberdeen lender as defined by loan originations is Dacotah Bank, with 105 loans originated. Their average total fees are $3,628, which is $751 lower than the next largest lender, Plains Commerce Bank.

    The lowest fee Aberdeen lenders (with over 10 loans originated) are Dacotah Bank ($3,628), U.S. Bank ($3,633), Wells Fargo Bank ($3,689), CU MORTGAGE DIRECT, LLC ($3,880) and Great Western Bank ($4,232).

    The lowest rate Aberdeen lenders (with over 10 loans originated) are CORTRUST MORTGAGE, INC. (2.87%), CU MORTGAGE DIRECT, LLC (2.91%), Dacotah Bank (2.96%), Plains Commerce Bank (3.04%) and Great Western Bank (3.07%).

    Aberdeen, SD Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
    Dacotah Bank $73,315,000 $51,605,000 -29.6% 20.1%
    Plains Commerce Bank $39,660,000 $35,370,000 -10.8% 13.8%
    Great Western Bank $34,460,000 $23,015,000 -33.2% 9.0%
    Wells Fargo Bank $16,870,000 $22,585,000 33.9% 8.8%
    CORTRUST MORTGAGE, INC. $39,035,000 $18,010,000 -53.9% 7.0%
    Goldwater Bank, N.A. $3,680,000 $13,455,000 265.6% 5.2%
    Central Bank $10,120,000 n/a 3.9%
    QUICKEN LOANS, LLC $8,885,000 $9,920,000 11.6% 3.9%
    U.S. Bank $10,620,000 $9,450,000 -11.0% 3.7%
    Bank Midwest $7,060,000 n/a 2.8%
    Choice Financial Group $4,145,000 n/a 1.6%
    Mortgage Research Center, LLC $2,265,000 $3,260,000 43.9% 1.3%
    CU MORTGAGE DIRECT, LLC $4,990,000 $2,955,000 -40.8% 1.2%
    First PREMIER Bank $400,000 $2,800,000 600.0% 1.1%
    Farm Credit Mid-America, ACA $2,415,000 $2,660,000 10.1% 1.0%
    FREEDOM MORTGAGE CORPORATION $1,845,000 $2,645,000 43.4% 1.0%
    PENNYMAC LOAN SERVICES, LLC $580,000 $2,205,000 280.2% 0.9%
    CALIBER HOME LOANS, INC. $1,415,000 $2,085,000 47.3% 0.8%
    CorTrust Bank $1,125,000 $1,740,000 54.7% 0.7%
    First International Bank & Trust $1,720,000 n/a 0.7%
    Reliabank Dakota $520,000 $1,445,000 177.9% 0.6%
    UNITED WHOLESALE MORTGAGE, LLC $1,220,000 n/a 0.5%
    First Bank & Trust $115,000 $1,190,000 934.8% 0.5%
    AMERISAVE MORTGAGE CORPORATION $235,000 $1,175,000 400.0% 0.5%
    American Bank & Trust $1,505,000 $1,070,000 -28.9% 0.4%
    LOANDEPOT.COM, LLC $460,000 $955,000 107.6% 0.4%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,185,000 $940,000 -20.7% 0.4%
    CROSSCOUNTRY MORTGAGE, LLC $920,000 n/a 0.4%
    BETTER MORTGAGE CORPORATION $870,000 n/a 0.3%
    Pinnacle Bank $840,000 n/a 0.3%
    Dakota Community Bank & Trust $805,000 n/a 0.3%
    Citizens Bank $705,000 $800,000 13.5% 0.3%
    USAA Federal Savings Bank $1,455,000 $790,000 -45.7% 0.3%
    MID AMERICA MORTGAGE, INC. $420,000 $770,000 83.3% 0.3%
    Paramount Bank $685,000 n/a 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $970,000 $680,000 -29.9% 0.3%
    BLACK HILLS FEDERAL CREDIT UNION $340,000 $660,000 94.1% 0.3%
    CMG MORTGAGE, INC. $625,000 n/a 0.2%
    Wyndham Capital Mortgage, Inc. $620,000 n/a 0.2%
    NAVY FEDERAL CREDIT UNION $35,000 $605,000 1,628.6% 0.2%
    Flagstar Bank, FSB $885,000 $590,000 -33.3% 0.2%
    Heritage Bank $255,000 $565,000 121.6% 0.2%
    PREMIA MORTGAGE, LLC $195,000 $505,000 159.0% 0.2%
    Starion Bank $505,000 n/a 0.2%
    GUARANTEED RATE, INC. $380,000 $455,000 19.7% 0.2%
    JPMorgan Chase Bank $400,000 $455,000 13.8% 0.2%
    NEWREZ LLC $155,000 $450,000 190.3% 0.2%
    HOME POINT FINANCIAL CORPORATION $430,000 $400,000 -7.0% 0.2%
    SIRVA MORTGAGE, INC. $905,000 $380,000 -58.0% 0.1%
    The Federal Savings Bank $385,000 $370,000 -3.9% 0.1%
    Unison Bank $355,000 n/a 0.1%
    KELLER MORTGAGE, LLC $350,000 n/a 0.1%
    Flanagan State Bank $1,355,000 $325,000 -76.0% 0.1%
    CHURCHILL MORTGAGE CORPORATION $320,000 n/a 0.1%
    PNC Bank $205,000 $300,000 46.3% 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $295,000 $295,000 0.0% 0.1%
    Bank of America $85,000 $265,000 211.8% 0.1%
    Axos Bank $255,000 n/a 0.1%
    Truist Bank $250,000 n/a 0.1%
    AMERICAN ADVISORS GROUP $235,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $595,000 $235,000 -60.5% 0.1%
    TCF National Bank $675,000 $235,000 -65.2% 0.1%
    BANKWEST, INC. $1,690,000 $230,000 -86.4% 0.1%
    BROKER SOLUTIONS, INC. $150,000 $215,000 43.3% 0.1%
    Citizens Alliance Bank $215,000 n/a 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $210,000 n/a 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $205,000 n/a 0.1%
    Bremer Bank $205,000 n/a 0.1%
    DAS Acquisition Company, LLC $195,000 n/a 0.1%
    Summit Mortgage Corporation $195,000 n/a 0.1%
    Willamette Valley Bank $195,000 n/a 0.1%
    American Mortgage & Equity Consultants, Inc. $3,075,000 $185,000 -94.0% 0.1%
    IOWA BANKERS MORTGAGE CORPORATION $185,000 n/a 0.1%
    Ixonia Bank $185,000 n/a 0.1%
    AMERICAN FINANCING CORPORATION $155,000 $165,000 6.5% 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $165,000 n/a 0.1%
    21ST MORTGAGE CORPORATION $155,000 n/a 0.1%
    First National Bank $155,000 n/a 0.1%
    Old National Bank $145,000 n/a 0.1%
    RAILWAY CREDIT UNION $145,000 n/a 0.1%
    Low VA Rates, LLC $135,000 n/a 0.1%
    Bell Bank $1,020,000 $125,000 -87.7% 0.0%
    Northpointe Bank $95,000 $125,000 31.6% 0.0%
    Barrington Bank & Trust Company, N.A. $495,000 $95,000 -80.8% 0.0%
    CRESCENT MORTGAGE COMPANY $95,000 n/a 0.0%
    TRIAD FINANCIAL SERVICES, INC. $95,000 n/a 0.0%
    SOUTHPOINT FINANCIAL $55,000 n/a 0.0%
    First Savings Bank $15,000 $25,000 66.7% 0.0%

    Aberdeen's top lender by overall market share is Dacotah Bank, with 20.1% market share. In second place, with 13.8%, is Plains Commerce Bank, having originated $35,370,000 in loans. In third place, with 9.0%, is Great Western Bank, having originated $23,015,000 in loans. In third place, with 8.8%, is Wells Fargo Bank, having originated $22,585,000 in loans. In third place, with 7.0%, is CORTRUST MORTGAGE, INC., having originated $18,010,000 in loans.

    Aberdeen, SD Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 563 $128,805,000 $228,783
    Refi 435 $88,875,000 $204,310
    Cash Out Refi 172 $33,940,000 $197,326
    Home Improvement 30 $1,740,000 $58,000
    Other 21 $3,305,000 $157,381

    Aberdeen's most frequently cited loan purpose was Home Purchase, with 563 originations. The 2nd most popular reason was Refi, with 435 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    2.5-3% 432 $87,880,000 $203,426
    3-4% 396 $100,390,000 $253,510
    <2.5% 309 $60,065,000 $194,385
    4-5% 39 $4,655,000 $119,359
    5-6% 13 $655,000 $50,385
    6-7% 4 $450,000 $112,500
    7-8% 1 $35,000 $35,000

    During 2021, Aberdeen's most frequently originated rate bucket was 2.5-3%, with 432 originations.

    Loan Sizing (Aberdeen, SD MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 539 $79,985,000 $148,395
    $200k-400k 390 $104,080,000 $266,872
    $100,000 or less 220 $14,100,000 $64,091
    $400k-600k 56 $26,280,000 $469,286
    $Over $1MM 10 $27,210,000 $2,721,000
    $600k-1000k 6 $5,010,000 $835,000

    Aberdeen's loan sizing saw the bucket of loans from $100k-200k with 539 originations, totaling $79,985,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 518 $111,330,000 $214,923
    60-80% 392 $94,640,000 $241,429
    40-60% 165 $31,935,000 $193,545
    20-40% 52 $5,560,000 $106,923
    Under 20% 33 $2,985,000 $90,455
    Over 100% 13 $3,485,000 $268,077

    Aberdeen's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 518 originations, totaling $111,330,000 in origination value.

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Aberdeen (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 $187,250 (-1.4%) $305,765 (40.6%) 0.00 159
    2018-02-01 $189,575 (0.3%) $304,696 (40.8%) 0.00 162
    2018-03-01 $209,900 (13.5%) $318,855 (53.1%) 0.00 154
    2018-04-01 $199,900 (8.1%) $217,303 (-1.6%) 0.00 163
    2018-05-01 $222,400 (13.0%) $236,374 (0.5%) 0.00 173
    2018-06-01 $224,500 (12.3%) $245,083 (-0.5%) 0.00 178
    2018-07-01 $213,200 (7.1%) $237,610 (-5.7%) 0.00 182
    2018-08-01 $193,750 (0.7%) $224,780 (-18.2%) 0.00 192
    2018-09-01 $194,900 (8.3%) $232,514 (-11.9%) 0.00 186
    2018-10-01 $210,200 (18.6%) $229,701 (-12.2%) 0.00 178
    2018-11-01 $204,900 (22.4%) $228,765 (-9.2%) 0.00 172
    2018-12-01 $199,900 (8.1%) $225,740 (-15.9%) 0.00 150
    2019-01-01 $195,000 (4.1%) $221,978 (-27.4%) 0.00 141
    2019-02-01 $204,900 (8.1%) $224,510 (-26.3%) 0.00 136
    2019-03-01 $192,429 (-8.3%) $218,408 (-31.5%) 0.00 135
    2019-04-01 $189,879 (-5.0%) $216,806 (-0.2%) 0.00 137
    2019-05-01 $204,950 (-7.9%) $231,903 (-1.9%) 0.00 146
    2019-06-01 $187,900 (-16.3%) $230,182 (-6.1%) 0.00 155
    2019-07-01 $179,900 (-15.6%) $229,072 (-3.6%) 0.00 164
    2019-08-01 $172,814 (-10.8%) $222,284 (-1.1%) 0.00 188
    2019-09-01 $169,900 (-12.8%) $221,580 (-4.7%) 0.00 210
    2019-10-01 $165,900 (-21.1%) $224,728 (-2.2%) 0.00 201
    2019-11-01 $164,900 (-19.5%) $226,357 (-1.1%) 0.00 176
    2019-12-01 $159,000 (-20.5%) $218,427 (-3.2%) 0.00 156
    2020-01-01 $158,900 (-18.5%) $224,853 (1.3%) 0.00 132
    2020-02-01 $175,000 (-14.6%) $249,017 (10.9%) 0.00 121
    2020-03-01 $190,450 (-1.0%) $245,978 (12.6%) 0.00 131
    2020-04-01 $197,900 (4.2%) $246,683 (13.8%) 0.00 138
    2020-05-01 $197,000 (-3.9%) $251,029 (8.3%) 0.00 140
    2020-06-01 $175,000 (-6.9%) $241,589 (5.0%) 0.00 130
    2020-07-01 $174,950 (-2.8%) $237,315 (3.6%) 0.00 118
    2020-08-01 $162,900 (-5.7%) $232,194 (4.5%) 0.00 106
    2020-09-01 $191,400 (12.7%) $239,922 (8.3%) 0.00 100
    2020-10-01 $170,000 (2.5%) $219,954 (-2.1%) 0.00 107
    2020-11-01 $169,950 (3.1%) $222,296 (-1.8%) 0.00 94
    2020-12-01 $159,900 (0.6%) $208,633 (-4.5%) 0.00 85
    2021-01-01 $159,900 (0.6%) $191,860 (-14.7%) 0.00 77
    2021-02-01 $159,900 (-8.6%) $187,034 (-24.9%) 0.00 74
    2021-03-01 $150,000 (-21.2%) $195,043 (-20.7%) 0.00 71
    2021-04-01 $155,000 (-21.7%) $213,028 (-13.6%) 0.00 68
    2021-05-01 $160,000 (-18.8%) $211,203 (-15.9%) 0.00 61
    2021-06-01 $174,650 (-0.2%) $212,666 (-12.0%) 0.00 63
    2021-07-01 $177,150 (1.3%) $220,468 (-7.1%) 0.00 67
    2021-08-01 $216,200 (32.7%) $254,876 (9.8%) 0.00 63
    2021-09-01 $209,950 (9.7%) $251,898 (5.0%) 0.00 64
    2021-10-01 $218,500 (28.5%) $260,390 (18.4%) 0.00 67
    2021-11-01 $224,900 (32.3%) $262,763 (18.2%) 0.00 59
    2021-12-01 $230,950 (44.4%) $263,116 (26.1%) 0.00 51
    2022-01-01 $255,000 (59.5%) $278,451 (45.1%) 0.00 32
    2022-02-01 $267,450 (67.3%) $302,549 (61.8%) 0.00 28
    2022-03-01 $217,450 (45.0%) $293,562 (50.5%) 0.00 29
    2022-04-01 $264,900 (70.9%) $289,943 (36.1%) 0.00 37
    2022-05-01 $210,450 (31.5%) $252,885 (19.7%) 0.00 38
    2022-06-01 $227,825 (30.5%) $265,268 (24.7%) 0.00 56
    Aberdeen's median listing price for 2022-06-01 was $227,825, a difference of $53,175 (30.5%) versus the prior year and $17,375 versus the prior month.

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

    Aberdeen's average listing price for 2022-06-01 was $265,268, a difference of $52,602 (24.7%) versus the prior year and $12,383 versus the prior month.

    For the 2022-06-01 period, Aberdeen had 56 MLS listings, a difference of 18 listings (47%) versus the prior month and -7 listings (-11%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Aberdeen (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,120 sqft
    2018-02-01 0 days 2,144 sqft
    2018-03-01 0 days 2,200 sqft
    2018-04-01 0 days 2,155 sqft
    2018-05-01 0 days 2,228 sqft
    2018-06-01 0 days 2,272 sqft
    2018-07-01 0 days 2,200 sqft
    2018-08-01 0 days 2,191 sqft
    2018-09-01 0 days 2,272 sqft
    2018-10-01 0 days 2,200 sqft
    2018-11-01 0 days 2,172 sqft
    2018-12-01 0 days 2,156 sqft
    2019-01-01 0 days 2,112 sqft
    2019-02-01 0 days 2,136 sqft
    2019-03-01 0 days 2,131 sqft
    2019-04-01 0 days 2,122 sqft
    2019-05-01 0 days 2,184 sqft
    2019-06-01 0 days 2,248 sqft
    2019-07-01 0 days 2,190 sqft
    2019-08-01 0 days 2,146 sqft
    2019-09-01 0 days 2,129 sqft
    2019-10-01 0 days 2,137 sqft
    2019-11-01 0 days 2,152 sqft
    2019-12-01 0 days 2,168 sqft
    2020-01-01 0 days 2,200 sqft
    2020-02-01 0 days 2,360 sqft
    2020-03-01 0 days 2,411 sqft
    2020-04-01 0 days 2,372 sqft
    2020-05-01 0 days 2,360 sqft
    2020-06-01 0 days 2,360 sqft
    2020-07-01 0 days 2,392 sqft
    2020-08-01 0 days 2,240 sqft
    2020-09-01 0 days 2,496 sqft
    2020-10-01 0 days 2,398 sqft
    2020-11-01 0 days 2,463 sqft
    2020-12-01 0 days 2,230 sqft
    2021-01-01 0 days 2,146 sqft
    2021-02-01 0 days 2,128 sqft
    2021-03-01 0 days 2,142 sqft
    2021-04-01 0 days 2,136 sqft
    2021-05-01 0 days 2,189 sqft
    2021-06-01 0 days 2,146 sqft
    2021-07-01 0 days 2,146 sqft
    2021-08-01 0 days 2,375 sqft
    2021-09-01 0 days 2,332 sqft
    2021-10-01 0 days 2,478 sqft
    2021-11-01 0 days 2,364 sqft
    2021-12-01 0 days 2,426 sqft
    2022-01-01 0 days 2,557 sqft
    2022-02-01 0 days 2,660 sqft
    2022-03-01 0 days 2,280 sqft
    2022-04-01 0 days 2,264 sqft
    2022-05-01 0 days 2,192 sqft
    2022-06-01 0 days 2,184 sqft
    Aberdeen's median listing age (time on market) for 2022-06-01 was 0 days.

    Aberdeen's median square footage for active listings during the 2022-06-01 period was 2,184 sqft. One year prior, the average listing was 2,146 sqft.