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
5.83%
for the week of 2023-05-25, compared to the national average of
6.57% for the same period.
The average rate for the prior week (2023-05-18) was
5.65% and
one month ago for the week of 2023-04-20, the
average rate was 5.55%.
Albany - Schenectady - Troy's average rate one year ago was 4.81%.
For refis of the same type during the week of 2023-05-25, the average rate
was 5.49%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-05-25 | 6.57% |
| Albany - Schenectady - Troy 30 Year Fixed Rate | 2023-05-25 | 5.83% |
| Albany - Schenectady - Troy 30 Year Fixed Rate Refi | 2023-05-25 | 5.49% |
| Albany - Schenectady - Troy 15 Year Fixed Rate | 2023-05-25 | 5.7% |
| Albany - Schenectady - Troy 15 Year Fixed Rate Refi | 2023-05-25 | 5.03% |
| Albany - Schenectady - Troy 30 Year FHA | 2023-05-25 | 5.84% |
| Albany - Schenectady - Troy 30 Year FHA Refi | 2023-05-25 | 6.81% |
| Albany - Schenectady - Troy 30 Year USDA | 2023-05-25 | 6.83% |
| Albany - Schenectady - Troy 30 Year USDA Refi | 2023-05-25 | 6.83% |
| Albany - Schenectady - Troy 30 Year VA | 2023-05-25 | 5.96% |
| Albany - Schenectady - Troy 30 Year VA Refi | 2023-05-25 | 6.41% |
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 184 lenders originated 22,628
loans during 2022. The total origination value was $5,450,800,000, with an average loan value of
$240,887.
ALBANY - SCHENECTADY - TROY's average closing costs are $4,749.
The top ALBANY - SCHENECTADY - TROY lender as defined by loan originations is SEFCU SERVICES, LLC, with
1,477 loans originated. Their average total fees are
$3,947, which is $375
lower than the next largest lender,
HOMESTEAD FUNDING CORP..
The lowest fee ALBANY - SCHENECTADY - TROY lenders (with over 10 loans originated) are
Community Bank ($1,087), Bank of Richmondville ($1,469), HUDSON RIVER COMMUNITY ($1,848), TrustCo Bank ($2,836) and FIRST NEW YORK ($3,682).
The lowest rate ALBANY - SCHENECTADY - TROY lenders (with over 10 loans originated) are
The Bank of Greene County (3.81%), CCFCU FUNDING, LLC (3.91%), NBT Bank (3.93%), Citizens Bank (4.19%) and Bank of Richmondville (4.21%).
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| HOMESTEAD FUNDING CORP. | $766,420,000 | $489,355,000 | -36.2% | 9.0% |
| SEFCU SERVICES, LLC | $773,915,000 | $479,205,000 | -38.1% | 8.8% |
| CCFCU FUNDING, LLC | $514,660,000 | $338,445,000 | -34.2% | 6.2% |
| TrustCo Bank | $498,265,000 | $290,605,000 | -41.7% | 5.3% |
| STATE EMPLOYEES FEDERAL CREDIT UNION | $162,420,000 | $257,100,000 | 58.3% | 4.7% |
| SUNMARK FEDERAL CREDIT UNION | $268,830,000 | $249,775,000 | -7.1% | 4.6% |
| QUICKEN LOANS, LLC | $487,450,000 | $188,945,000 | -61.2% | 3.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $171,945,000 | $185,275,000 | 7.8% | 3.4% |
| Chemung Canal Trust Company | $94,865,000 | $169,670,000 | 78.9% | 3.1% |
| Saratoga National Bank and Trust Company | $130,780,000 | $167,490,000 | 28.1% | 3.1% |
| KeyBank | $274,925,000 | $142,480,000 | -48.2% | 2.6% |
| Ballston Spa National Bank | $104,075,000 | $124,235,000 | 19.4% | 2.3% |
| The Adirondack Trust Company | $78,230,000 | $120,905,000 | 54.6% | 2.2% |
| CAPITAL COMMUNICATIONS Federal Credit Union | $228,700,000 | $113,835,000 | -50.2% | 2.1% |
| Citizens Bank | $123,295,000 | $111,785,000 | -9.3% | 2.1% |
| M&T Bank | $111,775,000 | $102,065,000 | -8.7% | 1.9% |
| M&T Realty Capital Corporation | $159,305,000 | $101,850,000 | -36.1% | 1.9% |
| Bank of America | $78,010,000 | $97,360,000 | 24.8% | 1.8% |
| NBT Bank | $50,085,000 | $80,050,000 | 59.8% | 1.5% |
| FIRST NEW YORK | $71,920,000 | $77,675,000 | 8.0% | 1.4% |
| Premium Mortgage Corporation | $130,325,000 | $73,605,000 | -43.5% | 1.4% |
| Berkshire Bank | $71,715,000 | $71,490,000 | -0.3% | 1.3% |
| HOME POINT FINANCIAL CORPORATION | $186,830,000 | $69,185,000 | -63.0% | 1.3% |
| Five Star Bank | $49,555,000 | n/a | 0.9% | |
| JONES LANG LASALLE MULTIFAMILY, LLC | $47,025,000 | n/a | 0.9% | |
| The National Bank of Coxsackie | $49,000,000 | $46,790,000 | -4.5% | 0.9% |
| Wells Fargo Bank | $107,170,000 | $45,380,000 | -57.7% | 0.8% |
| PLAZA HOME MORTGAGE, INC. | $41,305,000 | $43,980,000 | 6.5% | 0.8% |
| Community Bank | $34,660,000 | $43,820,000 | 26.4% | 0.8% |
| Pioneer Bank | $55,705,000 | $42,680,000 | -23.4% | 0.8% |
| JPMorgan Chase Bank | $56,205,000 | $41,265,000 | -26.6% | 0.8% |
| CALIBER HOME LOANS, INC. | $39,265,000 | $40,785,000 | 3.9% | 0.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $33,875,000 | $39,295,000 | 16.0% | 0.7% |
| Lakeland Bank | $38,855,000 | n/a | 0.7% | |
| First National Bank of Scotia | $46,990,000 | $35,970,000 | -23.5% | 0.7% |
| Glens Falls National Bank and Trust Company | $26,940,000 | $35,395,000 | 31.4% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $42,375,000 | $34,435,000 | -18.7% | 0.6% |
| MOVEMENT MORTGAGE, LLC | $14,880,000 | $33,555,000 | 125.5% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $58,835,000 | $28,415,000 | -51.7% | 0.5% |
| Mortgage Research Center, LLC | $27,120,000 | $27,115,000 | 0.0% | 0.5% |
| GUARANTEED RATE, INC. | $41,895,000 | $26,745,000 | -36.2% | 0.5% |
| The Bank of Greene County | $30,960,000 | $25,855,000 | -16.5% | 0.5% |
| LOANDEPOT.COM, LLC | $49,940,000 | $24,110,000 | -51.7% | 0.4% |
| Flagstar Bank, FSB | $88,125,000 | $22,710,000 | -74.2% | 0.4% |
| TD Bank | $29,610,000 | $20,800,000 | -29.8% | 0.4% |
| Evolve Bank & Trust | $1,255,000 | $20,030,000 | 1,496.0% | 0.4% |
| 1ST PRIORITY MORTGAGE, INC. | $26,755,000 | $18,730,000 | -30.0% | 0.3% |
| PNC Bank | $19,480,000 | $15,750,000 | -19.1% | 0.3% |
| HUDSON RIVER COMMUNITY | $17,555,000 | $13,840,000 | -21.2% | 0.3% |
| NEWREZ LLC | $75,525,000 | $12,270,000 | -83.8% | 0.2% |
| HUNT MORTGAGE CORPORATION | $6,310,000 | $11,755,000 | 86.3% | 0.2% |
| FREEDOM MORTGAGE CORPORATION | $37,290,000 | $11,225,000 | -69.9% | 0.2% |
| WALKER & DUNLOP, LLC | $11,150,000 | n/a | 0.2% | |
| CROSSCOUNTRY MORTGAGE, LLC | $17,645,000 | $10,455,000 | -40.7% | 0.2% |
| USAA Federal Savings Bank | $16,750,000 | $10,375,000 | -38.1% | 0.2% |
| TCT | $14,290,000 | $9,780,000 | -31.6% | 0.2% |
| NP, Inc. | $5,565,000 | $9,345,000 | 67.9% | 0.2% |
| HUDSON VALLEY CREDIT UNION | $5,105,000 | $8,705,000 | 70.5% | 0.2% |
| ORIX REAL ESTATE CAPITAL, LLC | $955,000 | $8,415,000 | 781.2% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $19,540,000 | $8,275,000 | -57.7% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $6,020,000 | $7,725,000 | 28.3% | 0.1% |
| Valley National Bank | $12,665,000 | $6,885,000 | -45.6% | 0.1% |
| Santander Bank, N.A. | $4,175,000 | $6,705,000 | 60.6% | 0.1% |
| Grandbridge Real Estate Capital LLC | $67,800,000 | $6,605,000 | -90.3% | 0.1% |
| A&D Mortgage LLC | $1,410,000 | $6,525,000 | 362.8% | 0.1% |
| Carrington Mortgage Services, LLC | $16,115,000 | $6,395,000 | -60.3% | 0.1% |
| CONTOUR MORTGAGE CORPORATION | $4,865,000 | $6,255,000 | 28.6% | 0.1% |
| Bank of Richmondville | $8,240,000 | $6,220,000 | -24.5% | 0.1% |
| Farm Credit East, ACA | $11,025,000 | $6,110,000 | -44.6% | 0.1% |
| Rhinebeck Bank | $18,300,000 | $5,785,000 | -68.4% | 0.1% |
| U.S. Bank | $7,395,000 | $5,625,000 | -23.9% | 0.1% |
| Regions Bank | $5,255,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $8,455,000 | $5,245,000 | -38.0% | 0.1% |
| First Savings Bank | $1,070,000 | $5,115,000 | 378.0% | 0.1% |
| BETTER MORTGAGE CORPORATION | $27,915,000 | $4,500,000 | -83.9% | 0.1% |
| 21ST MORTGAGE CORPORATION | $4,010,000 | $4,490,000 | 12.0% | 0.1% |
| COMMUNITY RESOURCE FEDERAL CREDIT UNION | $6,380,000 | $4,475,000 | -29.9% | 0.1% |
| Quontic Bank | $4,595,000 | $4,425,000 | -3.7% | 0.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $8,275,000 | $4,410,000 | -46.7% | 0.1% |
| Morgan Stanley Private Bank | $4,885,000 | $4,410,000 | -9.7% | 0.1% |
| FINANCE OF AMERICA MORTGAGE LLC | $1,875,000 | $4,230,000 | 125.6% | 0.1% |
| City National Bank | $365,000 | $4,210,000 | 1,053.4% | 0.1% |
| Citibank | $4,755,000 | $4,170,000 | -12.3% | 0.1% |
| AMERICAN FINANCING CORPORATION | $12,330,000 | $4,165,000 | -66.2% | 0.1% |
| Metro City Bank | $4,140,000 | $4,120,000 | -0.5% | 0.1% |
| MLB RESIDENTIAL LENDING, LLC | $4,135,000 | $4,025,000 | -2.7% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $2,675,000 | $4,010,000 | 49.9% | 0.1% |
| NBKC BANK | $3,950,000 | $3,760,000 | -4.8% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $7,830,000 | $3,620,000 | -53.8% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $3,900,000 | $3,575,000 | -8.3% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $6,495,000 | $3,530,000 | -45.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $6,540,000 | $3,400,000 | -48.0% | 0.1% |
| Discover Bank | $2,475,000 | $3,285,000 | 32.7% | 0.1% |
| NJ LENDERS CORP. | $2,480,000 | $3,285,000 | 32.5% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $1,245,000 | $3,240,000 | 160.2% | 0.1% |
| Bethpage Federal Credit Union | $4,595,000 | $3,090,000 | -32.8% | 0.1% |
| PENNYMAC LOAN SERVICES, LLC | $3,085,000 | n/a | 0.1% | |
| ABSOLUTE HOME MORTGAGE CORPORATION | $1,115,000 | $3,015,000 | 170.4% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $5,125,000 | $2,995,000 | -41.6% | 0.1% |
| Equity Prime Mortgage LLC | $6,145,000 | $2,970,000 | -51.7% | 0.1% |
| MORTGAGE ACCESS CORP. | $3,575,000 | $2,890,000 | -19.2% | 0.1% |
| Goldman Sachs Bank USA | $2,660,000 | $2,780,000 | 4.5% | 0.1% |
| UBS Bank USA | $2,660,000 | $2,665,000 | 0.2% | 0.0% |
| First Republic Bank | $2,090,000 | $2,595,000 | 24.2% | 0.0% |
| LENDINGHOME FUNDING CORPORATION | $1,065,000 | $2,595,000 | 143.7% | 0.0% |
| North American Savings Bank, F.S.B. | $5,510,000 | $2,585,000 | -53.1% | 0.0% |
| UIF CORPORATION | $1,460,000 | $2,570,000 | 76.0% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $2,730,000 | $2,565,000 | -6.0% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $2,405,000 | n/a | 0.0% | |
| UNITED MORTGAGE CORP. | $2,225,000 | $2,335,000 | 4.9% | 0.0% |
| Royal Business Bank | $2,265,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $2,960,000 | $2,235,000 | -24.5% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $980,000 | $2,130,000 | 117.3% | 0.0% |
| BNY Mellon | $2,110,000 | n/a | 0.0% | |
| Charles Schwab Bank, SSB | $905,000 | $1,985,000 | 119.3% | 0.0% |
| GREYLOCK | $635,000 | $1,940,000 | 205.5% | 0.0% |
| Wayne Bank | $1,710,000 | $1,925,000 | 12.6% | 0.0% |
| Hometown Equity Mortgage, LLC | $1,945,000 | $1,905,000 | -2.1% | 0.0% |
| Northwest Bank | $1,860,000 | n/a | 0.0% | |
| EMM LOANS LLC | $545,000 | $1,850,000 | 239.4% | 0.0% |
| LIMA ONE CAPITAL, LLC | $415,000 | $1,850,000 | 345.8% | 0.0% |
| The Federal Savings Bank | $9,985,000 | $1,820,000 | -81.8% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $3,905,000 | $1,770,000 | -54.7% | 0.0% |
| SIRVA MORTGAGE, INC. | $1,320,000 | $1,695,000 | 28.4% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $1,030,000 | $1,690,000 | 64.1% | 0.0% |
| ARC HOME LLC | $2,695,000 | $1,630,000 | -39.5% | 0.0% |
| Silicon Valley Bank | $1,620,000 | n/a | 0.0% | |
| TOTAL MORTGAGE SERVICES, LLC | $1,865,000 | $1,615,000 | -13.4% | 0.0% |
| Northpointe Bank | $810,000 | $1,500,000 | 85.2% | 0.0% |
| Empower Federal Credit Union | $1,140,000 | $1,440,000 | 26.3% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $2,340,000 | $1,425,000 | -39.1% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $2,170,000 | $1,395,000 | -35.7% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $1,180,000 | $1,390,000 | 17.8% | 0.0% |
| HOME TOWN FUNDING, INC. | $535,000 | $1,390,000 | 159.8% | 0.0% |
| FM Home Loans, LLC | $2,060,000 | $1,335,000 | -35.2% | 0.0% |
| SUMA YONKERS Federal Credit Union | $1,280,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $4,075,000 | $1,250,000 | -69.3% | 0.0% |
| Municipal Credit Union | $125,000 | $1,215,000 | 872.0% | 0.0% |
| Rondout Savings Bank | $840,000 | $1,215,000 | 44.6% | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | $960,000 | $1,195,000 | 24.5% | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | $1,810,000 | $1,190,000 | -34.3% | 0.0% |
| Webster Bank | $900,000 | $1,190,000 | 32.2% | 0.0% |
| East Coast Capital Corp. | $185,000 | $1,180,000 | 537.8% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $1,760,000 | $1,130,000 | -35.8% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $1,075,000 | n/a | 0.0% | |
| Luxury Mortgage Corp. | $345,000 | $1,010,000 | 192.8% | 0.0% |
| HARTFORD FUNDING, LTD. | $470,000 | $980,000 | 108.5% | 0.0% |
| EVERETT FINANCIAL, INC. | $950,000 | n/a | 0.0% | |
| FIRST SOURCE | $525,000 | $935,000 | 78.1% | 0.0% |
| CMG MORTGAGE, INC. | $325,000 | $900,000 | 176.9% | 0.0% |
| KELLER MORTGAGE, LLC | $2,025,000 | $895,000 | -55.8% | 0.0% |
| US MORTGAGE CORPORATION | $1,300,000 | $895,000 | -31.2% | 0.0% |
| AMERICU Credit Union | $1,790,000 | $870,000 | -51.4% | 0.0% |
| FINANCIAL RESOURCES FEDERAL CREDIT UNION | $825,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $870,000 | $825,000 | -5.2% | 0.0% |
| MID-ISLAND MORTGAGE CORP. | $2,635,000 | $805,000 | -69.4% | 0.0% |
| PREMIA MORTGAGE, LLC | $2,455,000 | $780,000 | -68.2% | 0.0% |
| CORNING | $1,070,000 | $775,000 | -27.6% | 0.0% |
| The Huntington National Bank | $255,000 | $760,000 | 198.0% | 0.0% |
| RESIDENTIAL HOME FUNDING CORP. | $4,675,000 | $755,000 | -83.9% | 0.0% |
| SILVER HILL FUNDING, LLC | $285,000 | $750,000 | 163.2% | 0.0% |
| Bank of England | $2,055,000 | $735,000 | -64.2% | 0.0% |
| DRAPER AND KRAMER MORTGAGE CORP. | $730,000 | n/a | 0.0% | |
| United Nations Federal Credit Union | $165,000 | $680,000 | 312.1% | 0.0% |
| PHH Mortgage Corporation | $2,370,000 | $675,000 | -71.5% | 0.0% |
| Kwik Mortgage Corporation | $545,000 | $645,000 | 18.3% | 0.0% |
| West Town Bank & Trust | $645,000 | n/a | 0.0% | |
| INTERSTATE HOME LOAN CENTER, INC. | $450,000 | $640,000 | 42.2% | 0.0% |
| Magnolia Bank | $2,090,000 | $635,000 | -69.6% | 0.0% |
| REVERSE MORTGAGE FUNDING LLC | $1,090,000 | $625,000 | -42.7% | 0.0% |
| CLIFFCO, INC. | $545,000 | $605,000 | 11.0% | 0.0% |
| The People's Credit Union | $605,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $1,125,000 | $595,000 | -47.1% | 0.0% |
| Axos Bank | $475,000 | $590,000 | 24.2% | 0.0% |
| BayCoast Bank | $890,000 | $585,000 | -34.3% | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | $575,000 | n/a | 0.0% | |
| ADVANCIAL | $565,000 | n/a | 0.0% | |
| MID-HUDSON VALLEY | $990,000 | $555,000 | -43.9% | 0.0% |
| Union Savings Bank | $375,000 | $555,000 | 48.0% | 0.0% |
| The Upstate National Bank | $545,000 | n/a | 0.0% | |
| Paramount Bank | $1,070,000 | $530,000 | -50.5% | 0.0% |
| First Internet Bank of Indiana | $1,965,000 | $510,000 | -74.0% | 0.0% |
| GREENWOOD | $500,000 | $510,000 | 2.0% | 0.0% |
| HUDSON HERITAGE | $555,000 | $500,000 | -9.9% | 0.0% |
| INLAND BANK & TRUST | $845,000 | $495,000 | -41.4% | 0.0% |
| ATHAS CAPITAL GROUP, INC. | $1,135,000 | $490,000 | -56.8% | 0.0% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | $275,000 | $485,000 | 76.4% | 0.0% |
| Nassau Educators Federal Credit Union | $480,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $470,000 | n/a | 0.0% | |
| Leader Bank | $735,000 | $470,000 | -36.1% | 0.0% |
| Investors Bank | $685,000 | $465,000 | -32.1% | 0.0% |
| OceanFirst Bank | $460,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $2,450,000 | $455,000 | -81.4% | 0.0% |
| NORTHERN CREDIT UNION | $230,000 | $455,000 | 97.8% | 0.0% |
| TEACHERS | $1,935,000 | $445,000 | -77.0% | 0.0% |
| Unity Bank | $175,000 | $445,000 | 154.3% | 0.0% |
| MILLENIUM HOME MORTGAGE, LLC | $440,000 | n/a | 0.0% | |
| Plains Commerce Bank | $1,230,000 | $440,000 | -64.2% | 0.0% |
| American Airlines Federal Credit Union | $435,000 | n/a | 0.0% | |
| PARAGON HOME LOANS INC. | $1,525,000 | $425,000 | -72.1% | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | $2,585,000 | $425,000 | -83.6% | 0.0% |
| Mortgage Network, Inc. | $285,000 | $415,000 | 45.6% | 0.0% |
| Fulton Savings Bank | $55,000 | $405,000 | 636.4% | 0.0% |
| BNC National Bank | $905,000 | $395,000 | -56.4% | 0.0% |
| ConnectOne Bank | $395,000 | n/a | 0.0% | |
| Truist | $1,020,000 | $395,000 | -61.3% | 0.0% |
| AFFINITY | $385,000 | n/a | 0.0% | |
| First Federal Bank | $810,000 | $385,000 | -52.5% | 0.0% |
| People's United Bank | $1,315,000 | $375,000 | -71.5% | 0.0% |
| Presidential Bank, FSB | $375,000 | n/a | 0.0% | |
| Adirondack Bank | $365,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $365,000 | n/a | 0.0% | |
| AMERICAN ADVISORS GROUP | $1,700,000 | $360,000 | -78.8% | 0.0% |
| DELTA COMMUNITY CREDIT UNION | $360,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $2,355,000 | $360,000 | -84.7% | 0.0% |
| Citadel Servicing Corporation | $350,000 | n/a | 0.0% | |
| First National Bank of America | $345,000 | n/a | 0.0% | |
| GREENWAY MORTGAGE FUNDING CORP. | $345,000 | $335,000 | -2.9% | 0.0% |
| Pathfinder Bank | $335,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $335,000 | n/a | 0.0% | |
| The Dart Bank | $335,000 | n/a | 0.0% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $325,000 | n/a | 0.0% | |
| SUMMIT MORTGAGE BANKERS INC. | $325,000 | n/a | 0.0% | |
| Adams Community Bank | $315,000 | n/a | 0.0% | |
| Atlantic Union Bank | $145,000 | $315,000 | 117.2% | 0.0% |
| EQUITY NOW INC. | $520,000 | $305,000 | -41.3% | 0.0% |
| Lee Bank | $75,000 | $305,000 | 306.7% | 0.0% |
| THRIVENT Federal Credit Union | $300,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $185,000 | $295,000 | 59.5% | 0.0% |
| Northwest Federal Credit Union | $285,000 | n/a | 0.0% | |
| COMMUNITY FIRST CREDIT UNION OF FLO | $275,000 | n/a | 0.0% | |
| FirstBank | $2,340,000 | $275,000 | -88.2% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $25,000 | $275,000 | 1,000.0% | 0.0% |
| VAN DYK MORTGAGE CORPORATION | $275,000 | n/a | 0.0% | |
| Service Federal Credit Union | $270,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $225,000 | $265,000 | 17.8% | 0.0% |
| Elmira Savings Bank | $265,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $685,000 | $265,000 | -61.3% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $205,000 | $260,000 | 26.8% | 0.0% |
| FIRST HERITAGE FEDERAL CREDIT UNION | $255,000 | n/a | 0.0% | |
| The Lyons National Bank | $1,065,000 | $255,000 | -76.1% | 0.0% |
| Ulster Savings Bank | $950,000 | $250,000 | -73.7% | 0.0% |
| LENDINGONE, LLC | $245,000 | n/a | 0.0% | |
| Gold Coast Bank | $240,000 | n/a | 0.0% | |
| First Central Savings Bank | $235,000 | n/a | 0.0% | |
| First Home Bank | $1,325,000 | $225,000 | -83.0% | 0.0% |
| LENDSURE MORTGAGE CORP. | $225,000 | n/a | 0.0% | |
| BLAIR SERVICES OF AMERICA INC. | $210,000 | n/a | 0.0% | |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $185,000 | $205,000 | 10.8% | 0.0% |
| Peapack-Gladstone Bank | $205,000 | n/a | 0.0% | |
| Westfield Bank | $205,000 | n/a | 0.0% | |
| BNB Bank | $175,000 | $195,000 | 11.4% | 0.0% |
| BOND STREET MORTGAGE, LLC | $195,000 | n/a | 0.0% | |
| Civista Bank | $185,000 | n/a | 0.0% | |
| CONTINENTAL MORTGAGE BANKERS, INC. | $185,000 | n/a | 0.0% | |
| GuardHill Financial Corp. | $820,000 | $185,000 | -77.4% | 0.0% |
| Wilmington Savings Fund Society, FSB | $175,000 | n/a | 0.0% | |
| Cathay Bank | $460,000 | $165,000 | -64.1% | 0.0% |
| CHEVRON | $165,000 | n/a | 0.0% | |
| ARK MORTGAGE, INC. | $155,000 | n/a | 0.0% | |
| Nations Lending Corporation | $1,275,000 | $155,000 | -87.8% | 0.0% |
| Tyndall Federal Credit Union | $155,000 | n/a | 0.0% | |
| Salisbury Bank and Trust Company | $14,095,000 | $145,000 | -99.0% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $1,220,000 | $145,000 | -88.1% | 0.0% |
| IMPAC MORTGAGE CORP. | $135,000 | n/a | 0.0% | |
| Walden Savings Bank | $185,000 | $135,000 | -27.0% | 0.0% |
| GPO Federal Credit Union | $25,000 | $125,000 | 400.0% | 0.0% |
| Sawyer Savings Bank | $125,000 | n/a | 0.0% | |
| NORWICH COMMERCIAL GROUP, INC. | $195,000 | $115,000 | -41.0% | 0.0% |
| LYNX MORTGAGE BANK LLC | $425,000 | $105,000 | -75.3% | 0.0% |
| MidFirst Bank | $105,000 | n/a | 0.0% | |
| Quik Fund, Inc | $95,000 | n/a | 0.0% | |
| STAR USA FEDERAL CREDIT UNION | $85,000 | $90,000 | 5.9% | 0.0% |
| United States Senate Federal Credit Union | $90,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $2,295,000 | $85,000 | -96.3% | 0.0% |
| JUSTICE Federal Credit Union | $275,000 | $65,000 | -76.4% | 0.0% |
| Baxter Credit Union | $670,000 | $55,000 | -91.8% | 0.0% |
| GFA Federal Credit Union | $45,000 | n/a | 0.0% | |
| UTILITIES EMPLOYEES CREDIT UNION | $225,000 | $45,000 | -80.0% | 0.0% |
| TRADEMARK | $315,000 | $15,000 | -95.2% | 0.0% |
ALBANY - SCHENECTADY - TROY's top lender by overall market share is HOMESTEAD FUNDING CORP., with 9.0% market share. In second place, with 8.8%, is SEFCU SERVICES, LLC, having originated $479,205,000 in loans. In third place, with 6.2%, is CCFCU FUNDING, LLC, having originated $338,445,000 in loans. In fourth place, with 5.3%, is TrustCo Bank, having originated $290,605,000 in loans. In fifth place, with 4.7%, is STATE EMPLOYEES FEDERAL CREDIT UNION, having originated $257,100,000 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%) | $330,590 (7.9%) | 1.03 | 3,267 |
| 2018-02-01 | $284,800 (14.0%) | $334,472 (7.7%) | 1.04 | 3,172 |
| 2018-03-01 | $289,900 (11.7%) | $336,471 (6.7%) | 1.02 | 3,133 |
| 2018-04-01 | $297,900 (12.4%) | $339,563 (6.1%) | 1.01 | 3,189 |
| 2018-05-01 | $296,000 (9.8%) | $336,751 (4.6%) | 0.99 | 3,492 |
| 2018-06-01 | $294,900 (9.3%) | $339,293 (5.1%) | 0.98 | 3,876 |
| 2018-07-01 | $292,200 (8.3%) | $339,758 (5.6%) | 0.98 | 4,068 |
| 2018-08-01 | $288,792 (7.6%) | $336,327 (5.5%) | 0.97 | 4,120 |
| 2018-09-01 | $289,700 (7.5%) | $336,601 (5.1%) | 0.97 | 4,219 |
| 2018-10-01 | $289,825 (8.3%) | $337,199 (5.3%) | 0.98 | 4,251 |
| 2018-11-01 | $292,449 (10.0%) | $340,287 (6.5%) | 0.99 | 4,180 |
| 2018-12-01 | $292,450 (8.3%) | $338,478 (3.8%) | 1.01 | 3,828 |
| 2019-01-01 | $299,450 (7.9%) | $343,858 (4.0%) | 1.03 | 3,465 |
| 2019-02-01 | $306,339 (7.6%) | $352,211 (5.3%) | 1.03 | 3,363 |
| 2019-03-01 | $310,000 (6.9%) | $356,727 (6.0%) | 1.03 | 3,276 |
| 2019-04-01 | $309,948 (4.0%) | $357,250 (5.2%) | 0.98 | 3,403 |
| 2019-05-01 | $299,900 (1.3%) | $351,035 (4.2%) | 0.94 | 3,533 |
| 2019-06-01 | $299,335 (1.5%) | $350,205 (3.2%) | 0.94 | 3,693 |
| 2019-07-01 | $299,450 (2.5%) | $346,644 (2.0%) | 0.94 | 3,723 |
| 2019-08-01 | $299,000 (3.5%) | $344,697 (2.5%) | 0.94 | 3,805 |
| 2019-09-01 | $292,450 (1.0%) | $342,896 (1.9%) | 0.92 | 3,737 |
| 2019-10-01 | $289,900 (0.0%) | $340,364 (0.9%) | 0.94 | 3,920 |
| 2019-11-01 | $289,900 (-0.9%) | $338,128 (-0.6%) | 0.95 | 3,509 |
| 2019-12-01 | $294,150 (0.6%) | $340,012 (0.5%) | 0.98 | 3,156 |
| 2020-01-01 | $295,750 (-1.2%) | $339,746 (-1.2%) | 0.99 | 2,853 |
| 2020-02-01 | $304,900 (-0.5%) | $344,086 (-2.3%) | 1.00 | 2,701 |
| 2020-03-01 | $312,425 (0.8%) | $347,600 (-2.6%) | 0.98 | 2,671 |
| 2020-04-01 | $316,975 (2.3%) | $353,628 (-1.0%) | 0.99 | 2,497 |
| 2020-05-01 | $320,000 (6.7%) | $359,038 (2.3%) | 0.97 | 2,453 |
| 2020-06-01 | $337,525 (12.8%) | $372,505 (6.4%) | 0.99 | 2,428 |
| 2020-07-01 | $342,050 (14.2%) | $378,184 (9.1%) | 0.99 | 2,316 |
| 2020-08-01 | $339,900 (13.7%) | $391,157 (13.5%) | 0.97 | 2,240 |
| 2020-09-01 | $334,950 (14.5%) | $393,131 (14.7%) | 0.96 | 2,246 |
| 2020-10-01 | $335,000 (15.6%) | $395,720 (16.3%) | 0.96 | 2,227 |
| 2020-11-01 | $336,050 (15.9%) | $397,558 (17.6%) | 0.98 | 2,145 |
| 2020-12-01 | $338,875 (15.2%) | $399,253 (17.4%) | 1.01 | 1,942 |
| 2021-01-01 | $344,900 (16.6%) | $411,696 (21.2%) | 1.03 | 1,678 |
| 2021-02-01 | $367,209 (20.4%) | $434,874 (26.4%) | 1.07 | 1,407 |
| 2021-03-01 | $368,116 (17.8%) | $457,953 (31.8%) | 1.04 | 1,333 |
| 2021-04-01 | $368,650 (16.3%) | $459,324 (29.9%) | 1.00 | 1,320 |
| 2021-05-01 | $364,900 (14.0%) | $456,610 (27.2%) | 0.97 | 1,350 |
| 2021-06-01 | $349,900 (3.7%) | $450,225 (20.9%) | 0.92 | 1,501 |
| 2021-07-01 | $349,900 (2.3%) | $446,991 (18.2%) | 0.92 | 1,653 |
| 2021-08-01 | $344,750 (1.4%) | $442,698 (13.2%) | 0.92 | 1,732 |
| 2021-09-01 | $334,925 (0.0%) | $439,483 (11.8%) | 0.89 | 1,698 |
| 2021-10-01 | $325,000 (-3.0%) | $434,005 (9.7%) | 0.87 | 1,623 |
| 2021-11-01 | $325,000 (-3.3%) | $431,064 (8.4%) | 0.87 | 1,513 |
| 2021-12-01 | $344,900 (1.8%) | $443,810 (11.2%) | 0.93 | 1,361 |
| 2022-01-01 | $349,950 (1.5%) | $453,808 (10.2%) | 0.95 | 1,133 |
| 2022-02-01 | $368,625 (0.4%) | $483,552 (11.2%) | 0.96 | 930 |
| 2022-03-01 | $369,900 (0.5%) | $490,785 (7.2%) | 0.93 | 890 |
| 2022-04-01 | $369,900 (0.3%) | $483,009 (5.2%) | 0.88 | 926 |
| 2022-05-01 | $369,900 (1.4%) | $466,872 (2.3%) | 0.85 | 1,104 |
| 2022-06-01 | $369,900 (5.7%) | $469,801 (4.4%) | 0.82 | 1,283 |
| 2022-07-01 | $350,000 (0.0%) | $432,656 (-3.2%) | 0.79 | 1,470 |
| 2022-08-01 | $352,200 (2.2%) | $431,678 (-2.5%) | 0.81 | 1,478 |
| 2022-09-01 | $344,000 (2.7%) | $441,322 (0.4%) | 0.80 | 1,431 |
| 2022-10-01 | $349,000 (7.4%) | $436,035 (0.5%) | 0.82 | 1,444 |
| 2022-11-01 | $339,950 (4.6%) | $419,589 (-2.7%) | 0.82 | 1,395 |
| 2022-12-01 | $345,000 (0.0%) | $430,204 (-3.1%) | 0.85 | 1,269 |
| 2023-01-01 | $364,336 (4.1%) | $436,277 (-3.9%) | 0.90 | 1,120 |
| 2023-02-01 | $384,900 (4.4%) | $458,242 (-5.2%) | 0.93 | 1,031 |
| 2023-03-01 | $399,900 (8.1%) | $463,576 (-5.5%) | 0.94 | 926 |
| 2023-04-01 | $408,000 (10.3%) | $473,968 (-1.9%) | 0.95 | 885 |
ALBANY - SCHENECTADY - TROY's median listing price for 2023-04-01 was $408,000, a difference of
$38,100
(10.3%) versus the prior year and
$8,100 versus the prior month.
ALBANY - SCHENECTADY - TROY's median listing price comes in at 95% of the national average.
ALBANY - SCHENECTADY - TROY's average listing price for 2023-04-01 was $473,968, a difference of $-9,041 (-1.9%) versus the prior year and $10,392 versus the prior month.
For the 2023-04-01 period, ALBANY - SCHENECTADY - TROY had 885 MLS listings, a difference of -41 listings (-4%) versus the prior month and -41 listings (-4%) versus the prior year.
ALBANY - SCHENECTADY - TROY's median listing price comes in at 95% of the national average.
ALBANY - SCHENECTADY - TROY's average listing price for 2023-04-01 was $473,968, a difference of $-9,041 (-1.9%) versus the prior year and $10,392 versus the prior month.
For the 2023-04-01 period, ALBANY - SCHENECTADY - TROY had 885 MLS listings, a difference of -41 listings (-4%) versus the prior month and -41 listings (-4%) 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 | 110 days | 1,831 sqft |
| 2018-02-01 | 109 days | 1,850 sqft |
| 2018-03-01 | 102 days | 1,851 sqft |
| 2018-04-01 | 84 days | 1,868 sqft |
| 2018-05-01 | 70 days | 1,875 sqft |
| 2018-06-01 | 62 days | 1,872 sqft |
| 2018-07-01 | 67 days | 1,885 sqft |
| 2018-08-01 | 74 days | 1,874 sqft |
| 2018-09-01 | 80 days | 1,876 sqft |
| 2018-10-01 | 82 days | 1,875 sqft |
| 2018-11-01 | 85 days | 1,888 sqft |
| 2018-12-01 | 94 days | 1,874 sqft |
| 2019-01-01 | 99 days | 1,881 sqft |
| 2019-02-01 | 103 days | 1,900 sqft |
| 2019-03-01 | 96 days | 1,920 sqft |
| 2019-04-01 | 79 days | 1,907 sqft |
| 2019-05-01 | 67 days | 1,907 sqft |
| 2019-06-01 | 68 days | 1,906 sqft |
| 2019-07-01 | 74 days | 1,904 sqft |
| 2019-08-01 | 79 days | 1,900 sqft |
| 2019-09-01 | 84 days | 1,883 sqft |
| 2019-10-01 | 79 days | 1,873 sqft |
| 2019-11-01 | 88 days | 1,867 sqft |
| 2019-12-01 | 105 days | 1,851 sqft |
| 2020-01-01 | 115 days | 1,851 sqft |
| 2020-02-01 | 107 days | 1,877 sqft |
| 2020-03-01 | 90 days | 1,896 sqft |
| 2020-04-01 | 88 days | 1,888 sqft |
| 2020-05-01 | 96 days | 1,904 sqft |
| 2020-06-01 | 100 days | 1,932 sqft |
| 2020-07-01 | 79 days | 1,987 sqft |
| 2020-08-01 | 69 days | 1,945 sqft |
| 2020-09-01 | 61 days | 1,916 sqft |
| 2020-10-01 | 63 days | 1,900 sqft |
| 2020-11-01 | 73 days | 1,888 sqft |
| 2020-12-01 | 83 days | 1,878 sqft |
| 2021-01-01 | 98 days | 1,860 sqft |
| 2021-02-01 | 101 days | 1,891 sqft |
| 2021-03-01 | 84 days | 1,892 sqft |
| 2021-04-01 | 70 days | 1,889 sqft |
| 2021-05-01 | 55 days | 1,876 sqft |
| 2021-06-01 | 48 days | 1,878 sqft |
| 2021-07-01 | 53 days | 1,870 sqft |
| 2021-08-01 | 57 days | 1,866 sqft |
| 2021-09-01 | 59 days | 1,837 sqft |
| 2021-10-01 | 63 days | 1,800 sqft |
| 2021-11-01 | 65 days | 1,783 sqft |
| 2021-12-01 | 70 days | 1,858 sqft |
| 2022-01-01 | 82 days | 2,040 sqft |
| 2022-02-01 | 88 days | 1,926 sqft |
| 2022-03-01 | 64 days | 1,863 sqft |
| 2022-04-01 | 53 days | 1,825 sqft |
| 2022-05-01 | 39 days | 1,819 sqft |
| 2022-06-01 | 40 days | 1,824 sqft |
| 2022-07-01 | 44 days | 1,800 sqft |
| 2022-08-01 | 54 days | 1,818 sqft |
| 2022-09-01 | 61 days | 1,811 sqft |
| 2022-10-01 | 61 days | 1,800 sqft |
| 2022-11-01 | 64 days | 1,776 sqft |
| 2022-12-01 | 71 days | 1,762 sqft |
| 2023-01-01 | 81 days | 1,762 sqft |
| 2023-02-01 | 77 days | 1,791 sqft |
| 2023-03-01 | 72 days | 1,814 sqft |
| 2023-04-01 | 68 days | 1,814 sqft |
ALBANY - SCHENECTADY - TROY's median listing age (time on market) for 2023-04-01 was 68 days.
This
is 27%
longer
than the same period one year ago.
ALBANY - SCHENECTADY - TROY's median square footage for active listings during the 2023-04-01 period was 1,814 sqft. One year prior, the average listing was 1,825 sqft.
ALBANY - SCHENECTADY - TROY's median square footage for active listings during the 2023-04-01 period was 1,814 sqft. One year prior, the average listing was 1,825 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 | $900 | $1,000 | $1,220 | $1,510 | $1,650 |
| 12008 | Albany-Schenectady-Troy, NY | $930 | $1,040 | $1,270 | $1,570 | $1,720 |
| 12009 | Albany-Schenectady-Troy, NY | $950 | $1,060 | $1,290 | $1,590 | $1,750 |
| 12010 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12018 | Albany-Schenectady-Troy, NY | $970 | $1,080 | $1,310 | $1,620 | $1,780 |
| 12019 | Albany-Schenectady-Troy, NY | $930 | $1,030 | $1,260 | $1,560 | $1,710 |
| 12020 | Albany-Schenectady-Troy, NY | $1,020 | $1,140 | $1,390 | $1,720 | $1,880 |
| 12022 | Albany-Schenectady-Troy, NY | $900 | $1,000 | $1,220 | $1,510 | $1,650 |
| 12023 | Albany-Schenectady-Troy, NY | $850 | $950 | $1,160 | $1,430 | $1,570 |
| 12024 | Albany-Schenectady-Troy, NY | $850 | $950 | $1,160 | $1,430 | $1,570 |
| 12025 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12027 | Albany-Schenectady-Troy, NY | $1,040 | $1,160 | $1,410 | $1,740 | $1,910 |
| 12028 | Albany-Schenectady-Troy, NY | $730 | $840 | $1,040 | $1,320 | $1,410 |
| 12031 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12033 | Albany-Schenectady-Troy, NY | $920 | $1,030 | $1,250 | $1,550 | $1,700 |
| 12035 | Albany-Schenectady-Troy, NY | $770 | $860 | $1,050 | $1,300 | $1,420 |
| 12036 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12040 | Albany-Schenectady-Troy, NY | $880 | $980 | $1,200 | $1,480 | $1,620 |
| 12041 | Albany-Schenectady-Troy, NY | $910 | $1,010 | $1,230 | $1,520 | $1,660 |
| 12043 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12045 | Albany-Schenectady-Troy, NY | $740 | $830 | $1,010 | $1,260 | $1,370 |
| 12046 | Albany-Schenectady-Troy, NY | $890 | $1,000 | $1,210 | $1,500 | $1,640 |
| 12047 | Albany-Schenectady-Troy, NY | $830 | $920 | $1,120 | $1,380 | $1,520 |
| 12052 | Albany-Schenectady-Troy, NY | $830 | $930 | $1,130 | $1,400 | $1,530 |
| 12053 | Albany-Schenectady-Troy, NY | $1,150 | $1,280 | $1,560 | $1,930 | $2,120 |
| 12054 | Albany-Schenectady-Troy, NY | $1,020 | $1,140 | $1,390 | $1,720 | $1,880 |
| 12055 | Albany-Schenectady-Troy, NY | $900 | $1,000 | $1,220 | $1,510 | $1,650 |
| 12056 | Albany-Schenectady-Troy, NY | $870 | $970 | $1,180 | $1,460 | $1,600 |
| 12057 | Albany-Schenectady-Troy, NY | $730 | $840 | $1,040 | $1,330 | $1,420 |
| 12059 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12061 | Albany-Schenectady-Troy, NY | $1,090 | $1,210 | $1,480 | $1,830 | $2,010 |
| 12062 | Albany-Schenectady-Troy, NY | $770 | $860 | $1,050 | $1,290 | $1,420 |
| 12063 | Albany-Schenectady-Troy, NY | $940 | $1,040 | $1,270 | $1,580 | $1,730 |
| 12064 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12065 | Albany-Schenectady-Troy, NY | $1,050 | $1,170 | $1,420 | $1,760 | $1,930 |
| 12066 | Albany-Schenectady-Troy, NY | $800 | $890 | $1,080 | $1,340 | $1,460 |
| 12067 | Albany-Schenectady-Troy, NY | $1,030 | $1,150 | $1,390 | $1,720 | $1,890 |
| 12071 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12073 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12074 | Albany-Schenectady-Troy, NY | $1,020 | $1,140 | $1,390 | $1,720 | $1,880 |
| 12076 | Albany-Schenectady-Troy, NY | $820 | $910 | $1,110 | $1,370 | $1,510 |
| 12077 | Albany-Schenectady-Troy, NY | $1,060 | $1,180 | $1,440 | $1,780 | $1,950 |
| 12082 | Albany-Schenectady-Troy, NY | $850 | $950 | $1,160 | $1,430 | $1,570 |
| 12083 | Albany-Schenectady-Troy, NY | $820 | $910 | $1,110 | $1,370 | $1,510 |
| 12084 | Albany-Schenectady-Troy, NY | $1,080 | $1,200 | $1,460 | $1,800 | $1,980 |
| 12085 | Albany-Schenectady-Troy, NY | $920 | $1,030 | $1,250 | $1,550 | $1,700 |
| 12086 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12087 | Albany-Schenectady-Troy, NY | $900 | $1,000 | $1,220 | $1,510 | $1,650 |
| 12089 | Albany-Schenectady-Troy, NY | $820 | $910 | $1,110 | $1,370 | $1,510 |
| 12090 | Albany-Schenectady-Troy, NY | $820 | $910 | $1,110 | $1,370 | $1,510 |
| 12092 | Albany-Schenectady-Troy, NY | $790 | $880 | $1,070 | $1,320 | $1,450 |
| 12093 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12094 | Albany-Schenectady-Troy, NY | $790 | $890 | $1,090 | $1,360 | $1,480 |
| 12107 | Albany-Schenectady-Troy, NY | $900 | $1,000 | $1,220 | $1,510 | $1,650 |
| 12110 | Albany-Schenectady-Troy, NY | $1,070 | $1,190 | $1,450 | $1,790 | $1,970 |
| 12118 | Albany-Schenectady-Troy, NY | $800 | $890 | $1,080 | $1,340 | $1,460 |
| 12120 | Albany-Schenectady-Troy, NY | $800 | $930 | $1,140 | $1,430 | $1,540 |
| 12121 | Albany-Schenectady-Troy, NY | $780 | $870 | $1,060 | $1,320 | $1,440 |
| 12122 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12123 | Albany-Schenectady-Troy, NY | $750 | $840 | $1,020 | $1,260 | $1,380 |
| 12128 | Albany-Schenectady-Troy, NY | $900 | $1,000 | $1,220 | $1,510 | $1,650 |
| 12131 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12133 | Albany-Schenectady-Troy, NY | $850 | $950 | $1,160 | $1,430 | $1,570 |
| 12134 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12137 | Albany-Schenectady-Troy, NY | $760 | $850 | $1,040 | $1,290 | $1,410 |
| 12138 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12140 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12141 | Albany-Schenectady-Troy, NY | $830 | $930 | $1,130 | $1,400 | $1,530 |
| 12143 | Albany-Schenectady-Troy, NY | $790 | $880 | $1,070 | $1,320 | $1,450 |
| 12144 | Albany-Schenectady-Troy, NY | $910 | $1,010 | $1,230 | $1,520 | $1,670 |
| 12147 | Albany-Schenectady-Troy, NY | $780 | $870 | $1,060 | $1,310 | $1,430 |
| 12148 | Albany-Schenectady-Troy, NY | $1,010 | $1,120 | $1,370 | $1,690 | $1,860 |
| 12149 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12150 | Albany-Schenectady-Troy, NY | $850 | $950 | $1,160 | $1,430 | $1,570 |
| 12151 | Albany-Schenectady-Troy, NY | $1,030 | $1,150 | $1,400 | $1,730 | $1,900 |
| 12153 | Albany-Schenectady-Troy, NY | $830 | $920 | $1,120 | $1,380 | $1,520 |
| 12154 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12156 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12157 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12158 | Albany-Schenectady-Troy, NY | $1,080 | $1,210 | $1,470 | $1,820 | $1,990 |
| 12159 | Albany-Schenectady-Troy, NY | $970 | $1,080 | $1,320 | $1,630 | $1,790 |
| 12160 | Albany-Schenectady-Troy, NY | $850 | $940 | $1,150 | $1,420 | $1,560 |
| 12161 | Albany-Schenectady-Troy, NY | $1,080 | $1,210 | $1,470 | $1,820 | $1,990 |
| 12166 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12167 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12168 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12169 | Albany-Schenectady-Troy, NY | $780 | $870 | $1,050 | $1,300 | $1,430 |
| 12170 | Albany-Schenectady-Troy, NY | $1,100 | $1,220 | $1,490 | $1,840 | $2,020 |
| 12175 | Albany-Schenectady-Troy, NY | $950 | $1,060 | $1,290 | $1,590 | $1,750 |
| 12180 | Albany-Schenectady-Troy, NY | $850 | $940 | $1,150 | $1,420 | $1,560 |
| 12181 | Albany-Schenectady-Troy, NY | $850 | $950 | $1,160 | $1,430 | $1,570 |
| 12182 | Albany-Schenectady-Troy, NY | $760 | $850 | $1,030 | $1,270 | $1,400 |
| 12183 | Albany-Schenectady-Troy, NY | $740 | $830 | $1,010 | $1,260 | $1,370 |
| 12184 | Albany-Schenectady-Troy, NY | $850 | $950 | $1,160 | $1,430 | $1,570 |
| 12185 | Albany-Schenectady-Troy, NY | $810 | $910 | $1,110 | $1,380 | $1,510 |
| 12186 | Albany-Schenectady-Troy, NY | $880 | $980 | $1,190 | $1,470 | $1,610 |
| 12187 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12188 | Albany-Schenectady-Troy, NY | $850 | $940 | $1,150 | $1,420 | $1,560 |
| 12189 | Albany-Schenectady-Troy, NY | $800 | $890 | $1,080 | $1,340 | $1,460 |
| 12193 | Albany-Schenectady-Troy, NY | $980 | $1,090 | $1,330 | $1,640 | $1,800 |
| 12194 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12196 | Albany-Schenectady-Troy, NY | $780 | $870 | $1,060 | $1,310 | $1,440 |
| 12198 | Albany-Schenectady-Troy, NY | $770 | $860 | $1,050 | $1,300 | $1,420 |
| 12201 | Albany-Schenectady-Troy, NY | $900 | $1,000 | $1,220 | $1,510 | $1,650 |
| 12202 | Albany-Schenectady-Troy, NY | $770 | $850 | $1,040 | $1,290 | $1,410 |
| 12203 | Albany-Schenectady-Troy, NY | $980 | $1,090 | $1,330 | $1,640 | $1,800 |
| 12204 | Albany-Schenectady-Troy, NY | $920 | $1,030 | $1,250 | $1,550 | $1,700 |
| 12205 | Albany-Schenectady-Troy, NY | $980 | $1,090 | $1,330 | $1,640 | $1,800 |
| 12206 | Albany-Schenectady-Troy, NY | $850 | $950 | $1,160 | $1,430 | $1,570 |
| 12207 | Albany-Schenectady-Troy, NY | $760 | $850 | $1,030 | $1,270 | $1,400 |
| 12208 | Albany-Schenectady-Troy, NY | $900 | $1,000 | $1,220 | $1,510 | $1,650 |
| 12209 | Albany-Schenectady-Troy, NY | $920 | $1,030 | $1,250 | $1,550 | $1,700 |
| 12210 | Albany-Schenectady-Troy, NY | $830 | $920 | $1,120 | $1,380 | $1,520 |
| 12211 | Albany-Schenectady-Troy, NY | $1,330 | $1,490 | $1,810 | $2,240 | $2,450 |
| 12212 | Albany-Schenectady-Troy, NY | $900 | $1,000 | $1,220 | $1,510 | $1,650 |
| 12220 | Albany-Schenectady-Troy, NY | $900 | $1,000 | $1,220 | $1,510 | $1,650 |
| 12222 | Albany-Schenectady-Troy, NY | $960 | $1,060 | $1,300 | $1,600 | $1,760 |
| 12223 | Albany-Schenectady-Troy, NY | $900 | $1,000 | $1,220 | $1,510 | $1,650 |
| 12226 | Albany-Schenectady-Troy, NY | $900 | $1,000 | $1,220 | $1,510 | $1,650 |
| 12227 | Albany-Schenectady-Troy, NY | $900 | $1,000 | $1,220 | $1,510 | $1,650 |
| 12236 | Albany-Schenectady-Troy, NY | $900 | $1,000 | $1,220 | $1,510 | $1,650 |
| 12237 | Albany-Schenectady-Troy, NY | $900 | $1,000 | $1,220 | $1,510 | $1,650 |
| 12247 | Albany-Schenectady-Troy, NY | $900 | $1,000 | $1,220 | $1,510 | $1,650 |
| 12260 | Albany-Schenectady-Troy, NY | $900 | $1,000 | $1,220 | $1,510 | $1,650 |
| 12288 | Albany-Schenectady-Troy, NY | $900 | $1,000 | $1,220 | $1,510 | $1,650 |
| 12301 | Albany-Schenectady-Troy, NY | $830 | $930 | $1,130 | $1,400 | $1,530 |
| 12302 | Albany-Schenectady-Troy, NY | $930 | $1,030 | $1,260 | $1,560 | $1,710 |
| 12303 | Albany-Schenectady-Troy, NY | $820 | $910 | $1,110 | $1,370 | $1,510 |
| 12304 | Albany-Schenectady-Troy, NY | $820 | $910 | $1,110 | $1,370 | $1,510 |
| 12305 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 12306 | Albany-Schenectady-Troy, NY | $840 | $940 | $1,140 | $1,410 | $1,550 |
| 12307 | Albany-Schenectady-Troy, NY | $770 | $850 | $1,040 | $1,290 | $1,410 |
| 12308 | Albany-Schenectady-Troy, NY | $820 | $910 | $1,110 | $1,370 | $1,510 |
| 12309 | Albany-Schenectady-Troy, NY | $970 | $1,080 | $1,310 | $1,620 | $1,780 |
| 12345 | Albany-Schenectady-Troy, NY | $830 | $930 | $1,130 | $1,400 | $1,530 |
| 12460 | Albany-Schenectady-Troy, NY | $900 | $1,000 | $1,220 | $1,510 | $1,650 |
| 12469 | Albany-Schenectady-Troy, NY | $760 | $840 | $1,020 | $1,260 | $1,390 |
| 12803 | Albany-Schenectady-Troy, NY | $830 | $920 | $1,120 | $1,380 | $1,520 |
| 12822 | Albany-Schenectady-Troy, NY | $790 | $880 | $1,070 | $1,320 | $1,450 |
| 12828 | Albany-Schenectady-Troy, NY | $740 | $860 | $1,070 | $1,360 | $1,450 |
| 12831 | Albany-Schenectady-Troy, NY | $960 | $1,070 | $1,300 | $1,610 | $1,760 |
| 12833 | Albany-Schenectady-Troy, NY | $790 | $880 | $1,070 | $1,320 | $1,450 |
| 12835 | Albany-Schenectady-Troy, NY | $750 | $840 | $1,020 | $1,260 | $1,380 |
| 12850 | Albany-Schenectady-Troy, NY | $1,030 | $1,150 | $1,400 | $1,730 | $1,900 |
| 12859 | Albany-Schenectady-Troy, NY | $1,190 | $1,330 | $1,620 | $2,000 | $2,200 |
| 12863 | Albany-Schenectady-Troy, NY | $850 | $950 | $1,160 | $1,430 | $1,570 |
| 12866 | Albany-Schenectady-Troy, NY | $1,150 | $1,280 | $1,560 | $1,930 | $2,120 |
| 12871 | Albany-Schenectady-Troy, NY | $830 | $920 | $1,120 | $1,380 | $1,520 |
| 12884 | Albany-Schenectady-Troy, NY | $940 | $1,040 | $1,270 | $1,570 | $1,720 |
| 13320 | Albany-Schenectady-Troy, NY | $730 | $830 | $1,010 | $1,260 | $1,370 |
| 13459 | Albany-Schenectady-Troy, NY | $800 | $890 | $1,080 | $1,340 | $1,460 |
2022 Average & Median Rent Data Statistics
ALBANY-SCHENECTADY-TROY, NY average 1BR rent: $963, median: $940
ALBANY-SCHENECTADY-TROY, NY average 2BR rent: $1,173, median: $1,150
ALBANY-SCHENECTADY-TROY, NY average 3BR rent: $1,454, median: $1,420
ALBANY-SCHENECTADY-TROY, NY Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 10,812 | $3,338,030,000 | $308,734 |
| Home Improvement | 3,957 | $372,105,000 | $94,037 |
| Cash Out Refi | 3,584 | $738,570,000 | $206,074 |
| Refi | 2,709 | $849,285,000 | $313,505 |
| Other | 1,566 | $152,810,000 | $97,580 |
Albany - Schenectady - Troy's most frequently cited loan purpose was Home Purchase, with 10,812 originations. The 2nd most popular reason was Home Improvement, with 3,957 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 6,680 | $1,482,940,000 | $221,997 |
| 4-5% | 4,711 | $1,274,955,000 | $270,634 |
| 5-6% | 4,409 | $985,875,000 | $223,605 |
| 2.5-3% | 1,957 | $461,185,000 | $235,659 |
| 6-7% | 1,607 | $328,235,000 | $204,253 |
| <2.5% | 1,181 | $223,265,000 | $189,047 |
| 7-8% | 431 | $64,895,000 | $150,568 |
| Over 8% | 250 | $29,200,000 | $116,800 |
During 2022, Albany - Schenectady - Troy's most frequently originated rate bucket was 3-4%, with 6,680 originations.
Loan Sizing (ALBANY-SCHENECTADY-TROY, NY MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 7,832 | $2,135,840,000 | $272,707 |
| $100k-200k | 6,997 | $1,044,715,000 | $149,309 |
| $100,000 or less | 5,833 | $316,705,000 | $54,295 |
| $400k-600k | 1,459 | $683,675,000 | $468,592 |
| $600k-1000k | 345 | $248,685,000 | $720,826 |
| $Over $1MM | 162 | $1,021,180,000 | $6,303,580 |
ALBANY - SCHENECTADY - TROY's loan sizing saw the bucket of loans from $200k-400k with 7,832 originations, totaling $2,135,840,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 7,721 | $2,142,745,000 | $277,522 |
| 60-80% | 4,923 | $1,632,855,000 | $331,679 |
| Under 20% | 3,285 | $177,245,000 | $53,956 |
| 20-40% | 2,988 | $323,390,000 | $108,230 |
| 40-60% | 2,158 | $533,540,000 | $247,238 |
| Over 100% | 133 | $50,475,000 | $379,511 |
ALBANY - SCHENECTADY - TROY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 7,721 originations, totaling $2,142,745,000 in origination value.