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 6.41% for the week of 2022-12-01, compared to the national average of 6.49% for the same period.

The average rate for the prior week (2022-11-23) was 6.8% and one month ago for the week of 2022-10-27, the average rate was 7.3%.

Albany - Schenectady - Troy's average rate one year ago was 3.36%.

For refis of the same type during the week of 2022-12-01, the average rate was 6.51%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-12-01 6.49%
Albany - Schenectady - Troy 30 Year Fixed Rate 2022-12-01 6.41%
Albany - Schenectady - Troy 30 Year Fixed Rate Refi 2022-12-01 6.51%
Albany - Schenectady - Troy 15 Year Fixed Rate 2022-12-01 6.28%
Albany - Schenectady - Troy 15 Year Fixed Rate Refi 2022-12-01 6.04%
Albany - Schenectady - Troy 30 Year FHA 2022-12-01 6.36%
Albany - Schenectady - Troy 30 Year FHA Refi 2022-12-01 6.65%
Albany - Schenectady - Troy 30 Year USDA 2022-12-01 6.6%
Albany - Schenectady - Troy 30 Year USDA Refi 2022-12-01 6.03%
Albany - Schenectady - Troy 30 Year VA 2022-12-01 6.57%
Albany - Schenectady - Troy 30 Year VA Refi 2022-12-01 6.02%
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 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
SEFCU SERVICES, LLC 1,987 3.03% $3,554
HOMESTEAD FUNDING CORP. 1,899 3.17% $3,810
CCFCU FUNDING, LLC 1,362 2.97% $3,584
TrustCo Bank 1,037 3.05% $2,291
QUICKEN LOANS, LLC 886 3.12% $5,491
SUNMARK FEDERAL CREDIT UNION 554 3.06% $3,631
KeyBank 491 2.98% $3,710
UNITED WHOLESALE MORTGAGE, LLC 425 3.03% $6,174
HOME POINT FINANCIAL CORPORATION 403 3.03% $7,292
Premium Mortgage Corporation 278 3.11% $3,646
Flagstar Bank, FSB 219 3.18% $5,156
Wells Fargo Bank 195 3.15% $4,048
Bank of America 165 2.84% $3,852
NEWREZ LLC 151 3.15% $5,564
M&T Bank 150 3.14% $4,675
Saratoga National Bank and Trust Company 134 3.39% $4,308
JPMorgan Chase Bank 131 3.06% $3,958
Citizens Bank 120 3.06% $4,324
GUARANTEED RATE, INC. 86 3.21% $5,092
1ST PRIORITY MORTGAGE, INC. 84 3.08% $3,890
TD Bank 78 3.08% $4,623
Mr. Cooper ( Nationstar Mortgage ) 73 3.37% $5,211
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 69 3.13% $5,389
CALIBER HOME LOANS, INC. 67 3.10% $5,231
Chemung Canal Trust Company 64 3.18% $3,781
PLAZA HOME MORTGAGE, INC. 64 3.09% $7,368
FIRST NEW YORK 63 2.95% $2,785
LOANDEPOT.COM, LLC 61 3.02% $5,096
BETTER MORTGAGE CORPORATION 54 2.91% $5,283
NBT Bank 53 2.94% $3,952
Glens Falls National Bank and Trust Company 46 3.45% $4,393
CROSSCOUNTRY MORTGAGE, LLC 39 3.17% $5,380
HOMEBRIDGE FINANCIAL SERVICES, INC. 39 3.01% $6,133
NAVY FEDERAL CREDIT UNION 32 3.48% $4,153
MOVEMENT MORTGAGE, LLC 32 3.11% $4,565
Community Bank 31 3.40% $1,613
HUDSON RIVER COMMUNITY 31 3.69% $1,873
AMERICAN FINANCING CORPORATION 31 3.14% $4,809
AMERICAN FINANCIAL NETWORK, INC. 26 3.41% $13,385
Bank of Richmondville 25 3.40% $1,325
FREEDOM MORTGAGE CORPORATION 25 3.20% $4,769
Berkshire Bank 20 3.11% $4,439
ROYAL UNITED MORTGAGE LLC 20 3.68% $6,970
Quontic Bank 20 5.64% $9,973
Farm Credit East, ACA 20 3.73% $5,485
PRIMELENDING, A PLAINSCAPITAL COMPANY 19 3.11% $5,281
CONTOUR MORTGAGE CORPORATION 14 3.30% $5,827
U.S. Bank 14 2.92% $5,257
NP, Inc. 14 3.71% $6,134
Citibank 13 3.13% $4,389
Bethpage Federal Credit Union 13 3.04% $5,571
HUNT MORTGAGE CORPORATION 12 3.17% $6,246
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 11 3.32% $7,657
OWNERSCHOICE FUNDING, INCORPORATED 11 3.10% $4,320
GUIDANCE RESIDENTIAL, LLC 11 3.20% $5,657
HUDSON VALLEY CREDIT UNION 10 2.90% $3,654
UNITED MORTGAGE CORP. 10 3.71% $5,809
MLB RESIDENTIAL LENDING, LLC 9 3.31% $8,173
MORTGAGE ACCESS CORP. 9 3.02% $4,503
InterContinental Capital Group, Inc 9 2.92% $4,798
KELLER MORTGAGE, LLC 8 3.06% $2,697
North American Savings Bank, F.S.B. 8 2.88% $3,076
NBKC BANK 8 2.95% $3,169
NJ LENDERS CORP. 7 2.84% $4,764
TIAA, FSB 7 3.02% $3,935
HSBC BANK USA, NATIONAL ASSOCIATION 7 2.88% $5,275
First Republic Bank 7 2.91% $4,146
A&D Mortgage LLC 7 4.27% $11,993
PNC Bank 7 3.07% $4,440
Mortgage Research Center, LLC 7 2.96% $5,125
RELIANCE FIRST CAPITAL, LLC 7 3.34% $8,546
Morgan Stanley Private Bank 7 3.03% $6,231
PENTAGON FEDERAL CREDIT UNION 7 2.80% $3,188
NATIONWIDE MORTGAGE BANKERS, INC. 7 3.28% $5,819
FAMILY FIRST FUNDING LLC 6 3.33% $5,826
FirstBank 6 2.58% $4,877
DIGITAL Federal Credit Union 6 2.94% $6,572
PREMIA MORTGAGE, LLC 6 2.81% $1,197
ARC HOME LLC 6 4.01% $8,622
UIF CORPORATION 6 3.06% $5,447
Sierra Pacific Mortgage Company, Inc. 5 3.43% $3,958
AMERICU Credit Union 5 3.20% $4,127
UNITED NORTHERN MORTGAGE BANKERS LIMITED 5 3.25% $4,977
Santander Bank, N.A. 5 3.17% $3,868
Carrington Mortgage Services, LLC 5 3.58% $5,835
RESIDENTIAL HOME FUNDING CORP. 5 3.33% $6,931
The Federal Savings Bank 5 3.05% $4,447
PHH Mortgage Corporation 5 3.70% $6,367
EMBRACE HOME LOANS, INC. 4 3.31% $5,286
Bank of England 4 3.09% $6,099
CREDIT UNION MORTGAGE ASSOCIATION, INC. 4 2.91% $4,996
Discover Bank 4 4.31% $0
ENVOY MORTGAGE, LTD 4 3.53% $4,098
Evolve Bank & Trust 4 3.19% $4,878
FINANCE OF AMERICA MORTGAGE LLC 4 3.34% $6,875
First Internet Bank of Indiana 4 2.88% $3,454
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 4 3.13% $10,824
Nations Lending Corporation 4 3.44% $6,138
The Bank of Greene County 4 3.21% $3,162
The Union Bank Company 4 2.75% $3,956
TOTAL MORTGAGE SERVICES, LLC 4 3.31% $7,089
UBS Bank USA 4 2.78% $6,267
US MORTGAGE CORPORATION 4 3.56% $8,467
Ulster Savings Bank 3 3.54% $2,866
First Savings Bank 3 3.04% $8,664
AMERICAN FINANCIAL RESOURCES, INC. 3 3.46% $6,301
PARAGON HOME LOANS INC. 3 2.75% $3,105
First Home Bank 3 3.63% $4,468
TCT 3 3.08% $3,954
Paramount Bank 3 2.88% $4,034
USAA Federal Savings Bank 3 2.83% $4,684
Barrington Bank & Trust Company, N.A. 3 3.16% $7,225
TEACHERS 3 3.13% $4,874
Community First National Bank 3 2.75% $4,625
FM Home Loans, LLC 3 2.83% $5,864
CLIFFCO, INC. 3 3.25% $7,391
MID-ISLAND MORTGAGE CORP. 3 3.08% $2,730
SIRVA MORTGAGE, INC. 3 3.08% $3,211
GUARANTEED RATE AFFINITY, LLC 3 2.91% $2,116
LAND HOME FINANCIAL SERVICES, INC. 3 3.04% $3,575
Cf Bank 3 2.79% $1,641
GREYLOCK 2 3.12% $3,712
Goldman Sachs Bank USA 2 2.80% $7,207
POLISH & SLAVIC FEDERAL CREDIT UNION 2 3.06% $3,829
Genesee Regional Bank 2 3.00% $5,676
INTERSTATE HOME LOAN CENTER, INC. 2 3.31% $3,618
MLD MORTGAGE INC. 2 2.93% $3,902
Valley National Bank 2 3.25% $499
Charles Schwab Bank, SSB 2 2.18% $3,043
MountainOne Bank 2 3.94% $3,862
ROUNDPOINT MORTGAGE SERVICING CORPORATION 2 3.25% $4,221
First State Bank of St. Charles, Missouri 2 2.81% $3,004
First Horizon Bank 2 2.94% $4,772
Baxter Credit Union 2 3.19% $4,163
Stifel Bank and Trust 2 2.94% $4,063
NORTHERN CREDIT UNION 2 3.31% $3,446
GuardHill Financial Corp. 2 2.94% $6,106
MID-HUDSON VALLEY 2 3.00% $7,157
Equity Prime Mortgage LLC 2 3.25% $4,055
The Lyons National Bank 2 2.75% $4,095
Webster Bank 2 2.94% $5,547
ABSOLUTE HOME MORTGAGE CORPORATION 2 3.19% $5,499
EQUITY NOW INC. 2 2.81% $5,820
WILLIAM RAVEIS MORTGAGE, LLC 2 2.75% $4,076
Empower Federal Credit Union 2 2.75% $3,615
FIRST TECHNOLOGY 2 2.75% $5,208
ALLIED MORTGAGE GROUP, INC. 2 3.25% $4,933
Advisors Mortgage Group, L.L.C. 1 2.75% $5,602
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION 1 2.88% $4,960
UTILITIES EMPLOYEES CREDIT UNION 1 2.88% $3,442
JET DIRECT FUNDING CORP 1 3.38% $7,957
JUSTICE Federal Credit Union 1 3.38% $7,603
ISLAND 1 3.75% $3,828
Investors Bank 1 3.00% $8,539
Kwik Mortgage Corporation 1 3.25% $6,017
LENOX FINANCIAL MORTGAGE CORPORATION 1 2.75% $11,969
Leader Bank 1 3.13% $5,313
Luxury Mortgage Corp. 1 3.25% $3,476
LYNX MORTGAGE BANK LLC 1 2.99% $4,661
MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION 1 3.00% $5,028
Meridian Bank Corporation 1 3.00% $3,565
Metro City Bank 1 4.50% $8,269
INLAND BANK & TRUST 1 3.88% $3,574
HOME TOWN FUNDING, INC. 1 3.38% $2,718
Mortgage Network, Inc. 1 3.25% $4,661
MOUNTAIN MORTGAGE CORP. 1 3.25% $4,636
Walden Savings Bank 1 3.38% $2,603
First Western Trust Bank 1 2.88% $4,707
NBH Bank 1 3.25% $5,087
NORWICH COMMERCIAL GROUP, INC. 1 3.00% $5,980
FIRST ALLIANCE HOME MORTGAGE, LLC 1 2.88% $6,213
N R L Federal Credit Union 1 3.13% $5,253
People's United Bank 1 2.88% $6,962
Plains Commerce Bank 1 3.50% $6,865
East Coast Capital Corp. 1 3.50% $8,334
EagleBank 1 3.00% $3,407
Popular Bank 1 3.25% $4,560
CORNING 1 3.13% $4,168
COMMONFUND MORTGAGE CORP. 1 2.75% $3,663
City National Bank 1 2.36% $4,878
Raymond James Bank 1 3.13% $6,357
RESIDENTIAL HOME MORTGAGE CORPORATION 1 3.63% $4,868
Capital Bank 1 2.25% $5,667
BNC National Bank 1 2.63% $6,918
BNB Bank 1 2.88% $3,292
Shamrock Home Loans, Inc. 1 3.00% $2,114
BANKSOUTH MORTGAGE COMPANY, LLC 1 3.25% $4,670
Axos Bank 1 2.99% $3,948
TEG Federal Credit Union 1 2.75% $2,772
WALL STREET MORTGAGE BANKERS, LTD. 1 4.99% $8,131
Atlantic Union Bank 1 3.50% $5,794
The Huntington National Bank 1 2.88% $3,675
Atlantic Home Loans, Inc. 1 2.63% $5,645
Truist 1 3.00% $6,020
ASSOCIATED MORTGAGE BANKERS, INC. 1 2.75% $5,198
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.38% $3,688
Union Savings Bank 1 2.75% $4,391
UNITED SECURITY FINANCIAL CORP 1 3.13% $7,879
Allied First Bank,sb 1 7.38% $9,504
Unity Bank 1 2.88% $4,136

ALBANY - SCHENECTADY - TROY Average Closing Costs & Other Stats

ALBANY-SCHENECTADY-TROY, NY's 200 lenders originated 32,216 loans during 2021. The total origination value was $7,301,190,000, with an average loan value of $226,632.

ALBANY - SCHENECTADY - TROY's average closing costs are $4,544.

The top ALBANY - SCHENECTADY - TROY lender as defined by loan originations is SEFCU SERVICES, LLC, with 1,987 loans originated. Their average total fees are $3,554, which is $256 lower than the next largest lender, HOMESTEAD FUNDING CORP..

The lowest fee ALBANY - SCHENECTADY - TROY lenders (with over 10 loans originated) are Bank of Richmondville ($1,325), Community Bank ($1,613), HUDSON RIVER COMMUNITY ($1,873), TrustCo Bank ($2,291) and FIRST NEW YORK ($2,785).

The lowest rate ALBANY - SCHENECTADY - TROY lenders (with over 10 loans originated) are Bank of America (2.84%), HUDSON VALLEY CREDIT UNION (2.90%), BETTER MORTGAGE CORPORATION (2.91%), U.S. Bank (2.92%) and NBT Bank (2.94%).

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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
SEFCU SERVICES, LLC $796,760,000 $773,915,000 -2.9% 10.6%
HOMESTEAD FUNDING CORP. $806,590,000 $766,420,000 -5.0% 10.5%
CCFCU FUNDING, LLC $493,665,000 $514,660,000 4.3% 7.0%
TrustCo Bank $450,660,000 $498,265,000 10.6% 6.8%
QUICKEN LOANS, LLC $363,310,000 $487,450,000 34.2% 6.7%
KeyBank $327,105,000 $274,925,000 -16.0% 3.8%
SUNMARK FEDERAL CREDIT UNION $318,925,000 $268,830,000 -15.7% 3.7%
CAPITAL COMMUNICATIONS Federal Credit Union $197,170,000 $228,700,000 16.0% 3.1%
HOME POINT FINANCIAL CORPORATION $122,035,000 $186,830,000 53.1% 2.6%
UNITED WHOLESALE MORTGAGE, LLC $104,850,000 $171,945,000 64.0% 2.4%
STATE EMPLOYEES FEDERAL CREDIT UNION $112,375,000 $162,420,000 44.5% 2.2%
M&T Realty Capital Corporation $70,160,000 $159,305,000 127.1% 2.2%
Saratoga National Bank and Trust Company $140,770,000 $130,780,000 -7.1% 1.8%
Premium Mortgage Corporation $117,840,000 $130,325,000 10.6% 1.8%
Citizens Bank $86,230,000 $123,295,000 43.0% 1.7%
Manufacturers and Traders Trust Company $88,560,000 $111,775,000 26.2% 1.5%
Wells Fargo Bank $52,050,000 $107,170,000 105.9% 1.5%
Ballston Spa National Bank $90,910,000 $104,075,000 14.5% 1.4%
Chemung Canal Trust Company $94,865,000 n/a 1.3%
Flagstar Bank, FSB $69,260,000 $88,125,000 27.2% 1.2%
The Adirondack Trust Company $57,920,000 $78,230,000 35.1% 1.1%
Bank of America $59,850,000 $78,010,000 30.3% 1.1%
NEWREZ LLC $25,715,000 $75,525,000 193.7% 1.0%
FIRST NEW YORK $63,235,000 $71,920,000 13.7% 1.0%
Berkshire Bank $15,895,000 $71,715,000 351.2% 1.0%
Grandbridge Real Estate Capital LLC $41,805,000 $67,800,000 62.2% 0.9%
Mr. Cooper ( Nationstar Mortgage ) $53,240,000 $58,835,000 10.5% 0.8%
JPMorgan Chase Bank $25,315,000 $56,205,000 122.0% 0.8%
Pioneer Bank $31,430,000 $55,705,000 77.2% 0.8%
NBT Bank $52,745,000 $50,085,000 -5.0% 0.7%
LOANDEPOT.COM, LLC $35,430,000 $49,940,000 41.0% 0.7%
The National Bank of Coxsackie $31,490,000 $49,000,000 55.6% 0.7%
First National Bank of Scotia $35,045,000 $46,990,000 34.1% 0.6%
NAVY FEDERAL CREDIT UNION $37,675,000 $42,375,000 12.5% 0.6%
GUARANTEED RATE, INC. $34,205,000 $41,895,000 22.5% 0.6%
PLAZA HOME MORTGAGE, INC. $51,520,000 $41,305,000 -19.8% 0.6%
CALIBER HOME LOANS, INC. $35,010,000 $39,265,000 12.2% 0.5%
New York Community Bank $37,315,000 n/a 0.5%
FREEDOM MORTGAGE CORPORATION $26,090,000 $37,290,000 42.9% 0.5%
Community Bank $49,735,000 $34,660,000 -30.3% 0.5%
GREYSTONE SERVICING COMPANY LLC $25,005,000 $33,940,000 35.7% 0.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $14,880,000 $33,875,000 127.7% 0.5%
The Bank of Greene County $24,130,000 $30,960,000 28.3% 0.4%
TD Bank $23,010,000 $29,610,000 28.7% 0.4%
BETTER MORTGAGE CORPORATION $9,595,000 $27,915,000 190.9% 0.4%
Mortgage Research Center, LLC $18,525,000 $27,120,000 46.4% 0.4%
Glens Falls National Bank and Trust Company $20,550,000 $26,940,000 31.1% 0.4%
1ST PRIORITY MORTGAGE, INC. $26,780,000 $26,755,000 -0.1% 0.4%
HOMEBRIDGE FINANCIAL SERVICES, INC. $29,930,000 $19,540,000 -34.7% 0.3%
PNC Bank $10,075,000 $19,480,000 93.3% 0.3%
Rhinebeck Bank $1,330,000 $18,300,000 1,275.9% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $8,185,000 $17,645,000 115.6% 0.2%
HUDSON RIVER COMMUNITY $16,675,000 $17,555,000 5.3% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $7,885,000 $16,865,000 113.9% 0.2%
USAA Federal Savings Bank $21,295,000 $16,750,000 -21.3% 0.2%
Carrington Mortgage Services, LLC $18,350,000 $16,115,000 -12.2% 0.2%
MOVEMENT MORTGAGE, LLC $10,625,000 $14,880,000 40.0% 0.2%
TCT $11,160,000 $14,290,000 28.0% 0.2%
Salisbury Bank and Trust Company $850,000 $14,095,000 1,558.2% 0.2%
Valley National Bank $1,610,000 $12,665,000 686.6% 0.2%
AMERICAN FINANCING CORPORATION $3,485,000 $12,330,000 253.8% 0.2%
Farm Credit East, ACA $7,300,000 $11,025,000 51.0% 0.2%
The Federal Savings Bank $15,180,000 $9,985,000 -34.2% 0.1%
Barrington Bank & Trust Company, N.A. $5,950,000 $8,455,000 42.1% 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $4,140,000 $8,275,000 99.9% 0.1%
Bank of Richmondville $7,920,000 $8,240,000 4.0% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $19,090,000 $7,830,000 -59.0% 0.1%
U.S. Bank $3,065,000 $7,395,000 141.3% 0.1%
PENTAGON FEDERAL CREDIT UNION $3,005,000 $6,540,000 117.6% 0.1%
GUIDANCE RESIDENTIAL, LLC $1,995,000 $6,495,000 225.6% 0.1%
COMMUNITY RESOURCE FEDERAL CREDIT UNION $10,675,000 $6,380,000 -40.2% 0.1%
HUNT MORTGAGE CORPORATION $4,550,000 $6,310,000 38.7% 0.1%
Equity Prime Mortgage LLC $3,520,000 $6,145,000 74.6% 0.1%
RELIANCE FIRST CAPITAL, LLC $5,710,000 $6,020,000 5.4% 0.1%
NP, Inc. $5,565,000 n/a 0.1%
North American Savings Bank, F.S.B. $4,860,000 $5,510,000 13.4% 0.1%
Columbia Bank $5,505,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $5,160,000 $5,125,000 -0.7% 0.1%
HUDSON VALLEY CREDIT UNION $3,445,000 $5,105,000 48.2% 0.1%
Morgan Stanley Private Bank $2,965,000 $4,885,000 64.8% 0.1%
CONTOUR MORTGAGE CORPORATION $3,865,000 $4,865,000 25.9% 0.1%
OWNERSCHOICE FUNDING, INCORPORATED $11,845,000 $4,790,000 -59.6% 0.1%
Citibank $4,065,000 $4,755,000 17.0% 0.1%
RESIDENTIAL HOME FUNDING CORP. $4,060,000 $4,675,000 15.1% 0.1%
Bethpage Federal Credit Union $1,555,000 $4,595,000 195.5% 0.1%
Quontic Bank $455,000 $4,595,000 909.9% 0.1%
FINANCE OF AMERICA COMMERCIAL LLC $455,000 $4,560,000 902.2% 0.1%
Santander Bank, N.A. $2,250,000 $4,175,000 85.6% 0.1%
Metro City Bank $3,305,000 $4,140,000 25.3% 0.1%
MLB RESIDENTIAL LENDING, LLC $2,075,000 $4,135,000 99.3% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $3,365,000 $4,075,000 21.1% 0.1%
21ST MORTGAGE CORPORATION $1,575,000 $4,010,000 154.6% 0.1%
NBKC BANK $3,570,000 $3,950,000 10.6% 0.1%
TEMPLE VIEW CAPITAL FUNDING, LP $260,000 $3,905,000 1,401.9% 0.1%
VELOCITY COMMERCIAL CAPITAL, LLC $445,000 $3,900,000 776.4% 0.1%
Community First National Bank $3,750,000 n/a 0.1%
MORTGAGE ACCESS CORP. $2,555,000 $3,575,000 39.9% 0.0%
InterContinental Capital Group, Inc $2,365,000 $3,470,000 46.7% 0.0%
EMBRACE HOME LOANS, INC. $4,350,000 $2,960,000 -32.0% 0.0%
Arbor Realty Trust, Inc. $31,645,000 $2,925,000 -90.8% 0.0%
Pinnacle Bank $2,860,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $1,345,000 $2,730,000 103.0% 0.0%
ARC HOME LLC $1,745,000 $2,695,000 54.4% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $2,770,000 $2,675,000 -3.4% 0.0%
Goldman Sachs Bank USA $1,415,000 $2,660,000 88.0% 0.0%
UBS Bank USA $2,820,000 $2,660,000 -5.7% 0.0%
MID-ISLAND MORTGAGE CORP. $1,240,000 $2,635,000 112.5% 0.0%
Peoples Bank $2,585,000 n/a 0.0%
UNITED NORTHERN MORTGAGE BANKERS LIMITED $580,000 $2,585,000 345.7% 0.0%
NJ LENDERS CORP. $1,250,000 $2,480,000 98.4% 0.0%
Discover Bank $2,325,000 $2,475,000 6.5% 0.0%
PREMIA MORTGAGE, LLC $1,105,000 $2,455,000 122.2% 0.0%
DIGITAL Federal Credit Union $970,000 $2,450,000 152.6% 0.0%
PHH Mortgage Corporation $690,000 $2,370,000 243.5% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $2,245,000 $2,355,000 4.9% 0.0%
FirstBank $265,000 $2,340,000 783.0% 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $1,115,000 $2,340,000 109.9% 0.0%
DOMINION FINANCIAL SERVICES, LLC $360,000 $2,295,000 537.5% 0.0%
UNITED MORTGAGE CORP. $1,390,000 $2,225,000 60.1% 0.0%
TIAA, FSB $2,545,000 $2,185,000 -14.1% 0.0%
FINANCE OF AMERICA REVERSE LLC $410,000 $2,170,000 429.3% 0.0%
First Republic Bank $2,330,000 $2,090,000 -10.3% 0.0%
Magnolia Bank $1,870,000 $2,090,000 11.8% 0.0%
FM Home Loans, LLC $225,000 $2,060,000 815.6% 0.0%
Bank of England $1,125,000 $2,055,000 82.7% 0.0%
KELLER MORTGAGE, LLC $2,025,000 n/a 0.0%
First Internet Bank of Indiana $740,000 $1,965,000 165.5% 0.0%
Hometown Equity Mortgage, LLC $1,945,000 n/a 0.0%
TEACHERS $3,500,000 $1,935,000 -44.7% 0.0%
FINANCE OF AMERICA MORTGAGE LLC $1,515,000 $1,875,000 23.8% 0.0%
TOTAL MORTGAGE SERVICES, LLC $990,000 $1,865,000 88.4% 0.0%
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. $1,105,000 $1,810,000 63.8% 0.0%
AMERICU Credit Union $755,000 $1,790,000 137.1% 0.0%
ALLIED MORTGAGE GROUP, INC. $1,720,000 $1,760,000 2.3% 0.0%
Wayne Bank $1,215,000 $1,710,000 40.7% 0.0%
AMERICAN ADVISORS GROUP $1,360,000 $1,700,000 25.0% 0.0%
First State Bank of St. Charles, Missouri $1,710,000 $1,690,000 -1.2% 0.0%
FAMILY FIRST FUNDING LLC $1,665,000 $1,660,000 -0.3% 0.0%
PARAGON HOME LOANS INC. $2,300,000 $1,525,000 -33.7% 0.0%
MLD MORTGAGE INC. $715,000 $1,485,000 107.7% 0.0%
UIF CORPORATION $515,000 $1,460,000 183.5% 0.0%
A&D Mortgage LLC $560,000 $1,410,000 151.8% 0.0%
First Home Bank $3,095,000 $1,325,000 -57.2% 0.0%
SIRVA MORTGAGE, INC. $1,655,000 $1,320,000 -20.2% 0.0%
People's United Bank $835,000 $1,315,000 57.5% 0.0%
US MORTGAGE CORPORATION $535,000 $1,300,000 143.0% 0.0%
The Union Bank Company $665,000 $1,295,000 94.7% 0.0%
Nations Lending Corporation $1,275,000 n/a 0.0%
Cf Bank $490,000 $1,260,000 157.1% 0.0%
Evolve Bank & Trust $660,000 $1,255,000 90.2% 0.0%
Capital One $1,245,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $970,000 $1,245,000 28.4% 0.0%
Plains Commerce Bank $1,230,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $1,330,000 $1,220,000 -8.3% 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $505,000 $1,180,000 133.7% 0.0%
Empower Federal Credit Union $1,245,000 $1,140,000 -8.4% 0.0%
ATHAS CAPITAL GROUP, INC. $1,135,000 n/a 0.0%
Stifel Bank and Trust $1,275,000 $1,125,000 -11.8% 0.0%
ABSOLUTE HOME MORTGAGE CORPORATION $225,000 $1,115,000 395.6% 0.0%
REVERSE MORTGAGE FUNDING LLC $265,000 $1,090,000 311.3% 0.0%
Advisors Mortgage Group, L.L.C. $1,420,000 $1,075,000 -24.3% 0.0%
CORNING $550,000 $1,070,000 94.5% 0.0%
First Savings Bank $990,000 $1,070,000 8.1% 0.0%
Paramount Bank $115,000 $1,070,000 830.4% 0.0%
LENDINGHOME FUNDING CORPORATION $2,200,000 $1,065,000 -51.6% 0.0%
The Lyons National Bank $1,025,000 $1,065,000 3.9% 0.0%
GUARANTEED RATE AFFINITY, LLC $205,000 $1,030,000 402.4% 0.0%
Truist Bank $345,000 $1,020,000 195.7% 0.0%
MID-HUDSON VALLEY $565,000 $990,000 75.2% 0.0%
Third Federal Savings and Loan Association of Cleveland $1,500,000 $980,000 -34.7% 0.0%
FIRST CREDIT CORPORATION OF NEW YORK, INC. $645,000 $960,000 48.8% 0.0%
ORIX REAL ESTATE CAPITAL, LLC $955,000 n/a 0.0%
Ulster Savings Bank $1,575,000 $950,000 -39.7% 0.0%
First Horizon Bank $95,000 $930,000 878.9% 0.0%
BNC National Bank $325,000 $905,000 178.5% 0.0%
Charles Schwab Bank, SSB $1,400,000 $905,000 -35.4% 0.0%
Webster Bank $725,000 $900,000 24.1% 0.0%
BayCoast Bank $445,000 $890,000 100.0% 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $870,000 n/a 0.0%
INLAND BANK & TRUST $320,000 $845,000 164.1% 0.0%
Visio Financial Services Inc. $495,000 $845,000 70.7% 0.0%
Rondout Savings Bank $175,000 $840,000 380.0% 0.0%
AMERICAN FEDERAL MORTGAGE CORPORATION $1,315,000 $835,000 -36.5% 0.0%
GuardHill Financial Corp. $820,000 n/a 0.0%
First Federal Bank $970,000 $810,000 -16.5% 0.0%
Northpointe Bank $870,000 $810,000 -6.9% 0.0%
Raymond James Bank $805,000 n/a 0.0%
Leader Bank $735,000 n/a 0.0%
ENVOY MORTGAGE, LTD $25,000 $700,000 2,700.0% 0.0%
Investors Bank $155,000 $685,000 341.9% 0.0%
QUORUM FEDERAL CREDIT UNION $355,000 $685,000 93.0% 0.0%
Meridian Bank Corporation $1,175,000 $675,000 -42.6% 0.0%
Baxter Credit Union $1,170,000 $670,000 -42.7% 0.0%
FIRST TECHNOLOGY $660,000 n/a 0.0%
Monson Savings Bank $645,000 n/a 0.0%
GREYLOCK $345,000 $635,000 84.1% 0.0%
CONSTRUCTIVE LOANS, LLC $475,000 $605,000 27.4% 0.0%
Genesee Regional Bank $460,000 $600,000 30.4% 0.0%
HUDSON HERITAGE $360,000 $555,000 54.2% 0.0%
COMMONFUND MORTGAGE CORP. $755,000 $550,000 -27.2% 0.0%
CLIFFCO, INC. $445,000 $545,000 22.5% 0.0%
EMM LOANS LLC $700,000 $545,000 -22.1% 0.0%
First Western Trust Bank $545,000 n/a 0.0%
Kwik Mortgage Corporation $215,000 $545,000 153.5% 0.0%
HOME TOWN FUNDING, INC. $435,000 $535,000 23.0% 0.0%
FIRST SOURCE $525,000 n/a 0.0%
EQUITY NOW INC. $520,000 n/a 0.0%
GREENWOOD $500,000 n/a 0.0%
UNITED SECURITY FINANCIAL CORP $420,000 $480,000 14.3% 0.0%
Atlantic Home Loans, Inc. $475,000 n/a 0.0%
Axos Bank $460,000 $475,000 3.3% 0.0%
MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION $475,000 n/a 0.0%
HARTFORD FUNDING, LTD. $435,000 $470,000 8.0% 0.0%
Kearny Bank $16,965,000 $465,000 -97.3% 0.0%
Cathay Bank $620,000 $460,000 -25.8% 0.0%
INTERSTATE HOME LOAN CENTER, INC. $125,000 $450,000 260.0% 0.0%
PLANET HOME LENDING, LLC $155,000 $450,000 190.3% 0.0%
Capital Bank $235,000 $435,000 85.1% 0.0%
LYNX MORTGAGE BANK LLC $335,000 $425,000 26.9% 0.0%
JET DIRECT FUNDING CORP $420,000 n/a 0.0%
WILLIAM RAVEIS MORTGAGE, LLC $420,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $515,000 $415,000 -19.4% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $685,000 $385,000 -43.8% 0.0%
FAY SERVICING, LLC $375,000 n/a 0.0%
Union Savings Bank $375,000 n/a 0.0%
Secured Investment Corp. $370,000 n/a 0.0%
City National Bank $355,000 $365,000 2.8% 0.0%
APCI Federal Credit Union $345,000 n/a 0.0%
GREENWAY MORTGAGE FUNDING CORP. $195,000 $345,000 76.9% 0.0%
Luxury Mortgage Corp. $1,400,000 $345,000 -75.4% 0.0%
LAND HOME FINANCIAL SERVICES, INC. $2,375,000 $340,000 -85.7% 0.0%
POLISH & SLAVIC FEDERAL CREDIT UNION $340,000 n/a 0.0%
Shamrock Home Loans, Inc. $330,000 n/a 0.0%
CMG MORTGAGE, INC. $515,000 $325,000 -36.9% 0.0%
The Camden National Bank $325,000 n/a 0.0%
Congressional Bank $315,000 n/a 0.0%
PARKSIDE LENDING, LLC $510,000 $315,000 -38.2% 0.0%
TRADEMARK $315,000 n/a 0.0%
WALL STREET MORTGAGE BANKERS, LTD. $1,080,000 $305,000 -71.8% 0.0%
MountainOne Bank $205,000 $290,000 41.5% 0.0%
Mortgage Network, Inc. $285,000 n/a 0.0%
SILVER HILL FUNDING, LLC $285,000 n/a 0.0%
JUSTICE Federal Credit Union $275,000 n/a 0.0%
RESIDENTIAL HOME MORTGAGE CORPORATION $1,195,000 $275,000 -77.0% 0.0%
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION $275,000 n/a 0.0%
The Huntington National Bank $400,000 $255,000 -36.3% 0.0%
BOKF $580,000 $250,000 -56.9% 0.0%
ALLIANT CREDIT UNION $340,000 $245,000 -27.9% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $1,055,000 $235,000 -77.7% 0.0%
NORTHERN CREDIT UNION $325,000 $230,000 -29.2% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $225,000 n/a 0.0%
Colonial Savings, F.A. $225,000 n/a 0.0%
LYONS MORTGAGE SERVICES, INC. $215,000 $225,000 4.7% 0.0%
UTILITIES EMPLOYEES CREDIT UNION $225,000 n/a 0.0%
Allied First Bank,sb $175,000 $215,000 22.9% 0.0%
AMERICAN HERITAGE FCU $185,000 $215,000 16.2% 0.0%
N R L Federal Credit Union $215,000 n/a 0.0%
Southwest Airlines Federal Credit Union $165,000 $215,000 30.3% 0.0%
Stride Bank $215,000 n/a 0.0%
LONGBRIDGE FINANCIAL, LLC $205,000 n/a 0.0%
BANKSOUTH MORTGAGE COMPANY, LLC $195,000 n/a 0.0%
NORWICH COMMERCIAL GROUP, INC. $195,000 n/a 0.0%
Elements Financial Federal Credit Union $190,000 n/a 0.0%
SUFFOLK $190,000 n/a 0.0%
East Coast Capital Corp. $185,000 n/a 0.0%
Farmers Bank & Trust $185,000 n/a 0.0%
FIRST ALLIANCE HOME MORTGAGE, LLC $185,000 n/a 0.0%
First Guaranty Mortgage Corporation $185,000 n/a 0.0%
TOGETHER CREDIT UNION $185,000 n/a 0.0%
Walden Savings Bank $225,000 $185,000 -17.8% 0.0%
BNB Bank $175,000 n/a 0.0%
EagleBank $175,000 n/a 0.0%
STAR ONE CREDIT UNION $175,000 n/a 0.0%
THE SUMMIT Federal Credit Union $175,000 n/a 0.0%
Unity Bank $175,000 n/a 0.0%
ACHIEVA CREDIT UNION $170,000 n/a 0.0%
Popular Bank $165,000 n/a 0.0%
Seneca Savings $225,000 $165,000 -26.7% 0.0%
United Nations Federal Credit Union $420,000 $165,000 -60.7% 0.0%
ASSOCIATED MORTGAGE BANKERS, INC. $185,000 $155,000 -16.2% 0.0%
MOUNTAIN MORTGAGE CORP. $155,000 n/a 0.0%
Centier Bank $280,000 $150,000 -46.4% 0.0%
Atlantic Union Bank $145,000 n/a 0.0%
Ukrainian Federal Credit Union $145,000 n/a 0.0%
NUMARK CREDIT UNION $90,000 $140,000 55.6% 0.0%
AmRes Corporation $125,000 n/a 0.0%
Municipal Credit Union $220,000 $125,000 -43.2% 0.0%
TEG Federal Credit Union $125,000 n/a 0.0%
NBH Bank $215,000 $115,000 -46.5% 0.0%
ALTRA $105,000 n/a 0.0%
Axiom Bank, N.A. $125,000 $105,000 -16.0% 0.0%
STAR USA FEDERAL CREDIT UNION $85,000 n/a 0.0%
ISLAND $75,000 n/a 0.0%
Lee Bank $75,000 n/a 0.0%
Fulton Savings Bank $55,000 n/a 0.0%
WINGS FINANCIAL $35,000 $55,000 57.1% 0.0%
CNB Bank $45,000 n/a 0.0%
GPO Federal Credit Union $25,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%

ALBANY - SCHENECTADY - TROY's top lender by overall market share is SEFCU SERVICES, LLC, with 10.6% market share. In second place, with 10.5%, is HOMESTEAD FUNDING CORP., having originated $766,420,000 in loans. In third place, with 7.0%, is CCFCU FUNDING, LLC, having originated $514,660,000 in loans. In fourth place, with 6.8%, is TrustCo Bank, having originated $498,265,000 in loans. In fifth place, with 6.7%, is QUICKEN LOANS, LLC, having originated $487,450,000 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%) $330,494 (7.9%) 1.03 3,269
2018-02-01 $284,800 (14.0%) $334,397 (7.7%) 1.03 3,174
2018-03-01 $289,900 (11.8%) $336,400 (6.7%) 1.02 3,134
2018-04-01 $297,800 (12.4%) $339,493 (6.1%) 1.01 3,190
2018-05-01 $295,975 (9.8%) $336,688 (4.6%) 0.99 3,493
2018-06-01 $294,900 (9.3%) $339,237 (5.1%) 0.98 3,877
2018-07-01 $292,200 (8.3%) $339,703 (5.6%) 0.98 4,069
2018-08-01 $288,747 (7.6%) $336,273 (5.5%) 0.97 4,121
2018-09-01 $289,700 (7.7%) $336,548 (5.1%) 0.97 4,219
2018-10-01 $289,850 (8.4%) $337,194 (5.4%) 0.98 4,250
2018-11-01 $292,450 (10.1%) $340,283 (6.5%) 0.99 4,179
2018-12-01 $292,900 (8.5%) $338,441 (3.8%) 1.01 3,829
2019-01-01 $299,550 (8.0%) $343,815 (4.0%) 1.03 3,466
2019-02-01 $306,369 (7.6%) $352,184 (5.3%) 1.03 3,364
2019-03-01 $309,427 (6.7%) $354,935 (5.5%) 1.01 3,359
2019-04-01 $309,877 (4.1%) $356,162 (4.9%) 0.98 3,415
2019-05-01 $299,900 (1.3%) $350,999 (4.3%) 0.94 3,537
2019-06-01 $299,335 (1.5%) $350,137 (3.2%) 0.94 3,699
2019-07-01 $299,450 (2.5%) $346,542 (2.0%) 0.94 3,729
2019-08-01 $294,198 (1.9%) $341,240 (1.5%) 0.93 3,847
2019-09-01 $291,780 (0.7%) $340,341 (1.1%) 0.93 3,905
2019-10-01 $289,900 (0.0%) $340,346 (0.9%) 0.94 3,922
2019-11-01 $289,900 (-0.9%) $338,004 (-0.7%) 0.95 3,518
2019-12-01 $294,150 (0.4%) $339,865 (0.4%) 0.98 3,165
2020-01-01 $295,750 (-1.3%) $339,585 (-1.2%) 0.99 2,862
2020-02-01 $304,900 (-0.5%) $343,905 (-2.4%) 1.00 2,710
2020-03-01 $312,400 (1.0%) $347,412 (-2.1%) 0.98 2,679
2020-04-01 $316,975 (2.3%) $353,411 (-0.8%) 0.99 2,505
2020-05-01 $320,000 (6.7%) $359,049 (2.3%) 0.97 2,462
2020-06-01 $337,400 (12.7%) $372,375 (6.4%) 0.99 2,436
2020-07-01 $341,111 (13.9%) $378,041 (9.1%) 0.99 2,324
2020-08-01 $339,900 (15.5%) $390,740 (14.5%) 0.97 2,247
2020-09-01 $334,925 (14.8%) $392,742 (15.4%) 0.96 2,254
2020-10-01 $335,000 (15.6%) $395,494 (16.2%) 0.96 2,236
2020-11-01 $336,275 (16.0%) $397,567 (17.6%) 0.98 2,146
2020-12-01 $338,925 (15.2%) $399,268 (17.5%) 1.01 1,943
2021-01-01 $344,900 (16.6%) $411,769 (21.3%) 1.03 1,679
2021-02-01 $367,400 (20.5%) $435,061 (26.5%) 1.07 1,405
2021-03-01 $369,325 (18.2%) $458,228 (31.9%) 1.05 1,331
2021-04-01 $368,700 (16.3%) $459,150 (29.9%) 1.00 1,322
2021-05-01 $364,400 (13.9%) $456,112 (27.0%) 0.96 1,355
2021-06-01 $349,900 (3.7%) $450,266 (20.9%) 0.92 1,503
2021-07-01 $349,900 (2.6%) $446,950 (18.2%) 0.92 1,655
2021-08-01 $344,750 (1.4%) $442,916 (13.4%) 0.92 1,736
2021-09-01 $334,950 (0.0%) $439,484 (11.9%) 0.89 1,701
2021-10-01 $325,000 (-3.0%) $433,643 (9.7%) 0.87 1,627
2021-11-01 $325,000 (-3.4%) $430,607 (8.3%) 0.87 1,518
2021-12-01 $344,300 (1.6%) $443,868 (11.2%) 0.93 1,366
2022-01-01 $350,000 (1.5%) $454,235 (10.3%) 0.95 1,138
2022-02-01 $367,750 (0.1%) $483,036 (11.0%) 0.96 935
2022-03-01 $369,800 (0.1%) $490,249 (7.0%) 0.93 895
2022-04-01 $369,900 (0.3%) $482,692 (5.1%) 0.88 933
2022-05-01 $369,450 (1.4%) $466,494 (2.3%) 0.84 1,112
2022-06-01 $369,900 (5.7%) $469,161 (4.2%) 0.82 1,292
2022-07-01 $350,000 (0.0%) $432,385 (-3.3%) 0.79 1,478
2022-08-01 $351,950 (2.1%) $431,411 (-2.6%) 0.81 1,487
2022-09-01 $344,000 (2.7%) $440,873 (0.3%) 0.81 1,440
2022-10-01 $347,250 (6.9%) $435,731 (0.5%) 0.82 1,452
2022-11-01 $339,950 (4.6%) $419,365 (-2.6%) 0.82 1,403
ALBANY - SCHENECTADY - TROY's median listing price for 2022-11-01 was $339,950, a difference of $14,950 (4.6%) versus the prior year and $-7,300 versus the prior month.

ALBANY - SCHENECTADY - TROY's median listing price comes in at 82% of the national average.

ALBANY - SCHENECTADY - TROY's average listing price for 2022-11-01 was $419,365, a difference of $-11,242 (-2.6%) versus the prior year and $-16,366 versus the prior month.

For the 2022-11-01 period, ALBANY - SCHENECTADY - TROY had 1,403 MLS listings, a difference of -49 listings (-3%) versus the prior month and -115 listings (-8%) 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 1,873 sqft
2018-07-01 67 days 1,886 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 94 days 1,905 sqft
2019-04-01 79 days 1,901 sqft
2019-05-01 67 days 1,906 sqft
2019-06-01 68 days 1,904 sqft
2019-07-01 74 days 1,902 sqft
2019-08-01 75 days 1,892 sqft
2019-09-01 77 days 1,882 sqft
2019-10-01 79 days 1,872 sqft
2019-11-01 88 days 1,867 sqft
2019-12-01 105 days 1,850 sqft
2020-01-01 115 days 1,850 sqft
2020-02-01 108 days 1,877 sqft
2020-03-01 90 days 1,896 sqft
2020-04-01 88 days 1,888 sqft
2020-05-01 97 days 1,905 sqft
2020-06-01 100 days 1,931 sqft
2020-07-01 80 days 1,987 sqft
2020-08-01 71 days 1,945 sqft
2020-09-01 62 days 1,916 sqft
2020-10-01 64 days 1,900 sqft
2020-11-01 74 days 1,888 sqft
2020-12-01 84 days 1,878 sqft
2021-01-01 99 days 1,860 sqft
2021-02-01 102 days 1,888 sqft
2021-03-01 87 days 1,892 sqft
2021-04-01 70 days 1,888 sqft
2021-05-01 56 days 1,878 sqft
2021-06-01 49 days 1,880 sqft
2021-07-01 53 days 1,872 sqft
2021-08-01 57 days 1,867 sqft
2021-09-01 59 days 1,837 sqft
2021-10-01 63 days 1,800 sqft
2021-11-01 66 days 1,782 sqft
2021-12-01 70 days 1,862 sqft
2022-01-01 82 days 2,046 sqft
2022-02-01 89 days 1,924 sqft
2022-03-01 65 days 1,861 sqft
2022-04-01 53 days 1,825 sqft
2022-05-01 39 days 1,815 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 62 days 1,809 sqft
2022-10-01 61 days 1,800 sqft
2022-11-01 65 days 1,776 sqft
ALBANY - SCHENECTADY - TROY's median listing age (time on market) for 2022-11-01 was 65 days. This is -2% shorter than the same period one year ago.

ALBANY - SCHENECTADY - TROY's median square footage for active listings during the 2022-11-01 period was 1,776 sqft. One year prior, the average listing was 1,782 sqft.

ALBANY-SCHENECTADY-TROY, NY Average Rent (2022)

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 12,688 $3,336,790,000 $262,988
Refi 9,109 $2,296,465,000 $252,109
Cash Out Refi 6,464 $1,327,760,000 $205,408
Home Improvement 2,651 $209,405,000 $78,991
Other 1,302 $130,430,000 $100,177
NA 2 $340,000 $170,000

Albany - Schenectady - Troy's most frequently cited loan purpose was Home Purchase, with 12,688 originations. The 2nd most popular reason was Refi, with 9,109 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 12,080 $2,795,560,000 $231,421
3-4% 11,099 $2,485,915,000 $223,976
<2.5% 5,756 $1,218,590,000 $211,708
4-5% 1,381 $222,385,000 $161,032
5-6% 279 $26,625,000 $95,430
6-7% 178 $12,090,000 $67,921
7-8% 93 $9,485,000 $101,989
Over 8% 72 $5,240,000 $72,778

During 2021, Albany - Schenectady - Troy's most frequently originated rate bucket was 2.5-3%, with 12,080 originations.

Loan Sizing (ALBANY-SCHENECTADY-TROY, NY MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 12,670 $3,433,550,000 $270,998
$100k-200k 11,930 $1,808,610,000 $151,602
$100,000 or less 5,588 $312,380,000 $55,902
$400k-600k 1,641 $767,005,000 $467,401
$600k-1000k 242 $175,450,000 $725,000
$Over $1MM 145 $804,195,000 $5,546,172

ALBANY - SCHENECTADY - TROY's loan sizing saw the bucket of loans from $200k-400k with 12,670 originations, totaling $3,433,550,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 11,168 $2,812,610,000 $251,845
60-80% 10,025 $2,674,855,000 $266,818
40-60% 3,906 $769,310,000 $196,956
20-40% 2,755 $274,625,000 $99,682
Under 20% 2,636 $117,880,000 $44,719
Over 100% 230 $71,830,000 $312,304

ALBANY - SCHENECTADY - TROY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 11,168 originations, totaling $2,812,610,000 in origination value.