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.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
SEFCU SERVICES, LLC 1,477 4.23% $3,947
HOMESTEAD FUNDING CORP. 1,295 4.91% $4,322
CCFCU FUNDING, LLC 1,042 3.91% $3,929
TrustCo Bank 584 4.28% $2,836
UNITED WHOLESALE MORTGAGE, LLC 413 5.16% $7,929
QUICKEN LOANS, LLC 372 5.02% $7,013
SUNMARK FEDERAL CREDIT UNION 316 4.32% $4,110
KeyBank 236 4.52% $4,691
Premium Mortgage Corporation 171 4.95% $4,639
Saratoga National Bank and Trust Company 163 4.27% $4,179
HOME POINT FINANCIAL CORPORATION 150 4.75% $8,191
JPMorgan Chase Bank 105 4.99% $4,615
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 105 5.27% $6,313
Wells Fargo Bank 100 4.49% $5,317
MOVEMENT MORTGAGE, LLC 86 5.15% $5,880
Bank of America 85 4.31% $5,157
PLAZA HOME MORTGAGE, INC. 82 5.27% $9,148
M&T Bank 81 4.36% $5,036
CALIBER HOME LOANS, INC. 73 4.57% $6,840
Citizens Bank 69 4.19% $5,007
1ST PRIORITY MORTGAGE, INC. 61 4.78% $4,650
Mr. Cooper ( Nationstar Mortgage ) 50 4.93% $7,691
Glens Falls National Bank and Trust Company 50 4.39% $5,032
GUARANTEED RATE, INC. 49 5.15% $7,630
Evolve Bank & Trust 49 4.94% $6,449
NBT Bank 45 3.93% $4,788
Flagstar Bank, FSB 42 4.44% $6,406
LOANDEPOT.COM, LLC 42 4.58% $6,367
TD Bank 41 4.36% $4,961
HUNT MORTGAGE CORPORATION 35 5.51% $6,953
HUDSON RIVER COMMUNITY 35 4.73% $1,848
Chemung Canal Trust Company 33 4.51% $4,327
Community Bank 33 5.04% $1,087
Berkshire Bank 31 4.31% $3,885
NAVY FEDERAL CREDIT UNION 27 4.91% $5,278
AMERICAN FINANCING CORPORATION 19 4.39% $5,372
CROSSCOUNTRY MORTGAGE, LLC 18 4.92% $6,605
FIRST NEW YORK 18 5.13% $3,682
NEWREZ LLC 18 4.72% $6,961
NP, Inc. 17 5.57% $7,175
CONTOUR MORTGAGE CORPORATION 16 5.23% $8,030
Quontic Bank 15 6.88% $9,423
Bank of Richmondville 14 4.21% $1,469
U.S. Bank 14 4.63% $5,394
BETTER MORTGAGE CORPORATION 14 4.54% $7,615
First Savings Bank 13 5.19% $8,276
GUIDANCE RESIDENTIAL, LLC 12 5.07% $5,836
Farm Credit East, ACA 11 5.03% $6,297
FREEDOM MORTGAGE CORPORATION 11 5.37% $6,989
NBKC BANK 11 4.78% $5,779
ROYAL UNITED MORTGAGE LLC 10 5.28% $8,330
PRIMELENDING, A PLAINSCAPITAL COMPANY 10 5.24% $6,531
The Bank of Greene County 10 3.81% $3,970
UIF CORPORATION 9 5.42% $6,026
Bethpage Federal Credit Union 9 4.56% $6,672
A&D Mortgage LLC 9 6.68% $12,365
NATIONWIDE MORTGAGE BANKERS, INC. 9 4.94% $8,226
Morgan Stanley Private Bank 8 3.43% $4,932
NJ LENDERS CORP. 8 5.94% $6,836
HUDSON VALLEY CREDIT UNION 8 5.19% $5,209
Carrington Mortgage Services, LLC 8 5.05% $6,365
Discover Bank 7 5.56% $0
PNC Bank 7 5.07% $8,052
USAA Federal Savings Bank 7 5.77% $5,533
Citibank 7 3.95% $8,328
Metro City Bank 6 5.85% $9,451
MORTGAGE ACCESS CORP. 6 5.04% $8,233
UNITED MORTGAGE CORP. 6 5.90% $9,756
ABSOLUTE HOME MORTGAGE CORPORATION 6 5.04% $5,510
HOMEBRIDGE FINANCIAL SERVICES, INC. 6 5.10% $11,275
GREYLOCK 5 4.03% $3,588
PENTAGON FEDERAL CREDIT UNION 5 4.23% $4,873
North American Savings Bank, F.S.B. 5 4.48% $4,942
Mortgage Research Center, LLC 5 5.10% $5,889
RELIANCE FIRST CAPITAL, LLC 5 4.12% $10,207
FINANCE OF AMERICA MORTGAGE LLC 5 5.28% $12,163
Municipal Credit Union 5 4.55% $4,115
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 5 5.58% $7,982
City National Bank 5 3.45% $5,456
ARC HOME LLC 4 5.28% $8,151
SIRVA MORTGAGE, INC. 4 5.09% $4,160
UBS Bank USA 4 4.09% $6,752
CREDIT UNION MORTGAGE ASSOCIATION, INC. 4 3.66% $4,875
PENNYMAC LOAN SERVICES, LLC 4 6.66% $8,634
CARDINAL FINANCIAL 4 4.87% $5,764
Northwest Bank 4 4.31% $10,300
Northpointe Bank 4 5.69% $5,818
First Republic Bank 4 4.18% $5,614
TOTAL MORTGAGE SERVICES, LLC 3 4.08% $9,979
Santander Bank, N.A. 3 3.12% $4,806
KELLER MORTGAGE, LLC 3 5.33% $4,669
First National Bank of America 3 9.50% $7,123
Luxury Mortgage Corp. 3 5.95% $13,694
COMMUNITY RESOURCE FEDERAL CREDIT UNION 3 4.71% $3,993
East Coast Capital Corp. 3 5.63% $8,257
GUARANTEED RATE AFFINITY, LLC 3 3.98% $3,571
Charles Schwab Bank, SSB 3 4.33% $2,332
MID-ISLAND MORTGAGE CORP. 3 5.67% $4,343
The Huntington National Bank 2 3.85% $5,842
AMERICU Credit Union 2 5.06% $3,874
BLAIR SERVICES OF AMERICA INC. 2 5.31% $6,652
BNY Mellon 2 3.56% $7,184
DIGITAL Federal Credit Union 2 4.13% $3,418
EMBRACE HOME LOANS, INC. 2 3.87% $6,582
EMM LOANS LLC 2 5.99% $10,894
Empower Federal Credit Union 2 3.38% $4,118
First Internet Bank of Indiana 2 4.94% $5,716
FM Home Loans, LLC 2 4.94% $6,521
Goldman Sachs Bank USA 2 4.45% $8,656
HARTFORD FUNDING, LTD. 2 5.75% $13,388
HSBC BANK USA, NATIONAL ASSOCIATION 2 4.19% $5,028
INLAND BANK & TRUST 2 5.00% $7,072
INTERSTATE HOME LOAN CENTER, INC. 2 5.31% $8,508
MILLENIUM HOME MORTGAGE, LLC 2 4.81% $5,703
OceanFirst Bank 2 4.25% $4,178
PHH Mortgage Corporation 2 4.88% $5,679
ROUNDPOINT MORTGAGE SERVICING CORPORATION 2 3.88% $5,336
Silicon Valley Bank 2 3.94% $5,145
Third Federal Savings and Loan Association of Cleveland 2 2.84% $595
Truist 2 3.43% $2,888
United Nations Federal Credit Union 2 4.25% $7,064
Valley National Bank 2 5.31% $5,495
Webster Bank 2 4.56% $6,574
Northwest Federal Credit Union 1 3.50% $3,545
NORWICH COMMERCIAL GROUP, INC. 1 4.63% $3,523
Investors Bank 1 4.13% $5,721
ADVANCIAL 1 4.88% $17,926
PARAGON HOME LOANS INC. 1 6.88% $14,523
Pathfinder Bank 1 5.13% $3,141
IMPAC MORTGAGE CORP. 1 5.75% $7,534
HOME TOWN FUNDING, INC. 1 6.25% $2,569
People's United Bank 1 2.75% $4,599
Adirondack Bank 1 5.88% $4,308
GuardHill Financial Corp. 1 6.63% $8,227
GREENWAY MORTGAGE FUNDING CORP. 1 5.25% $4,730
PREMIA MORTGAGE, LLC 1 5.38% $6,355
FIRST SOURCE 1 5.38% $8,754
First Home Bank 1 6.13% $10,513
First Federal Bank 1 2.88% $4,504
FirstBank 1 7.25% $6,861
RBC Bank, (Georgia) 1 3.25% $4,017
FINANCIAL RESOURCES FEDERAL CREDIT UNION 1 3.63% $4,717
RESIDENTIAL HOME FUNDING CORP. 1 3.88% $10,880
RESIDENTIAL HOME MORTGAGE CORPORATION 1 3.25% $4,988
US MORTGAGE CORPORATION 1 3.88% $11,106
Royal Business Bank 1 6.75% $11,233
EVERETT FINANCIAL, INC. 1 3.75% $3,656
Elmira Savings Bank 1 2.88% $3,068
DRAPER AND KRAMER MORTGAGE CORP. 1 4.38% $4,098
DELTA COMMUNITY CREDIT UNION 1 4.00% $5,411
Service Federal Credit Union 1 2.63% $5,027
Sierra Pacific Mortgage Company, Inc. 1 4.25% $4,327
West Town Bank & Trust 1 4.50% $7,192
Deere Employees Credit Union 1 4.25% $4,917
Stifel Bank and Trust 1 2.75% $4,059
CORNING 1 5.13% $5,390
CONTINENTAL MORTGAGE BANKERS, INC. 1 5.75% $1,580
TEACHERS 1 4.25% $3,716
COMMUNITY FIRST CREDIT UNION OF FLO 1 5.13% $3,291
The Dart Bank 1 5.49% $5,682
CLIFFCO, INC. 1 3.88% $6,203
Walden Savings Bank 1 4.38% $3,514
THRIVENT Federal Credit Union 1 3.75% $5,618
BOND STREET MORTGAGE, LLC 1 7.63% $9,254
Wilmington Savings Fund Society, FSB 1 5.88% $5,154
Axos Bank 1 5.25% $3,833
Tyndall Federal Credit Union 1 5.63% $3,716
Atlantic Union Bank 1 5.13% $6,334
ARK MORTGAGE, INC. 1 4.50% $9,875
Ulster Savings Bank 1 5.63% $2,380
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.00% $5,567
Adams Community Bank 1 5.00% $7,524
UNITED NORTHERN MORTGAGE BANKERS LIMITED 1 5.00% $9,549
AFFINITY 1 3.88% $2,778
Unity Bank 1 7.25% $6,670
Nassau Educators Federal Credit Union 1 2.88% $5,191
Mortgage Network, Inc. 1 4.88% $10,822
NETWORK CAPITAL FUNDING CORPORATION 1 6.88% $11,061
MLB RESIDENTIAL LENDING, LLC 1 3.63% $8,084
MID-HUDSON VALLEY 1 4.00% $4,695
LYNX MORTGAGE BANK LLC 1 5.50% $4,809
NORTHERN CREDIT UNION 1 5.63% $5,593
Leader Bank 1 7.00% $4,807
Kwik Mortgage Corporation 1 5.50% $8,676

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.

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, 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
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.