Amsterdam Mortgage Rates & Closing Costs

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  • Trends
  • Rates vs. Fees
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  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Amsterdam averaged 6.42% for the week of 2025-03-27, compared to the national average of 6.65% for the same period.

    The average rate for the prior week (2025-03-20) was 6.54% and one month ago for the week of 2025-02-20, the average rate was 6.62%.

    Amsterdam's average rate one year ago was 6.74%.

    For refis of the same type during the week of 2025-03-27, the average rate was 6.55%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-03-27 6.65%
    Amsterdam 30 Year Fixed Rate 2025-03-27 6.42%
    Amsterdam 30 Year Fixed Rate Refi 2025-03-27 6.55%
    Amsterdam 15 Year Fixed Rate 2025-03-27 5.99%
    Amsterdam 15 Year Fixed Rate Refi 2025-03-27 6.09%
    Amsterdam 30 Year FHA 2025-03-27 6.5%
    Amsterdam 30 Year FHA Refi 2025-03-27 6.17%
    Amsterdam 30 Year USDA 2025-03-27 6.3%
    Amsterdam 30 Year USDA Refi 2025-03-27 6.2%
    Amsterdam 30 Year VA 2025-03-27 5.99%
    Amsterdam 30 Year VA Refi 2025-03-27 6.19%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Amsterdam, NY.

    Amsterdam 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 Amsterdam, NY market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    HOMESTEAD FUNDING CORP. 38 6.40% $3,733
    SEFCU SERVICES, LLC 29 5.82% $3,570
    Community Bank 23 7.15% $357
    QUICKEN LOANS, LLC 16 6.76% $7,716
    Farm Credit East, ACA 12 7.24% $3,925
    KeyBank 12 6.64% $4,043
    UNITED WHOLESALE MORTGAGE, LLC 9 6.82% $8,849
    NEWREZ LLC 6 7.21% $5,551
    TrustCo Bank 5 6.85% $3,146
    NBT Bank 4 6.63% $2,438
    PLAZA HOME MORTGAGE, INC. 3 6.83% $6,834
    Premium Mortgage Corporation 3 7.08% $3,791
    JPMorgan Chase Bank 3 7.16% $4,495
    SUNMARK FEDERAL CREDIT UNION 3 6.71% $3,691
    Empower Federal Credit Union 3 6.75% $2,755
    US MORTGAGE CORPORATION 2 7.68% $7,940
    PARAGON HOME LOANS INC. 2 7.06% $8,333
    PENNYMAC LOAN SERVICES, LLC 2 6.38% $7,164
    MOVEMENT MORTGAGE, LLC 2 6.78% $5,769
    Wells Fargo Bank 1 5.88% $7,557
    Bank of Richmondville 1 4.75% $1,945
    Chemung Canal Trust Company 1 6.50% $0
    Citibank 1 7.63% $7,682
    Citizens Bank 1 6.00% $3,308
    CROSSCOUNTRY MORTGAGE, LLC 1 7.13% $6,343
    FIRST SOURCE 1 5.63% $2,957
    HUNT MORTGAGE CORPORATION 1 6.50% $7,224
    INTERSTATE HOME LOAN CENTER, INC. 1 7.63% $7,682
    LOANDEPOT.COM, LLC 1 6.99% $5,021
    MLB RESIDENTIAL LENDING, LLC 1 7.75% $10,572
    Mortgage Research Center, LLC 1 6.88% $2,089
    Mr. Cooper ( Nationstar Mortgage ) 1 6.88% $6,926
    NP, Inc. 1 6.62% $7,447
    RELIANCE FIRST CAPITAL, LLC 1 7.25% $7,513
    U.S. Bank 1 5.99% $2,939
    A&D Mortgage LLC 1 8.99% $10,747

    Amsterdam Average Closing Costs & Other Stats

    Amsterdam, NY's 36 lenders originated 688 loans during 2023. The total origination value was $103,500,000, with an average loan value of $150,436.

    Amsterdam's average closing costs are $4,635.

    The top Amsterdam lender as defined by loan originations is HOMESTEAD FUNDING CORP., with 38 loans originated. Their average total fees are $3,733, which is $163 higher than the next largest lender, SEFCU SERVICES, LLC.

    The lowest fee Amsterdam lenders (with over 10 loans originated) are Community Bank ($357), SEFCU SERVICES, LLC ($3,570), HOMESTEAD FUNDING CORP. ($3,733), Farm Credit East, ACA ($3,925) and KeyBank ($4,043).

    The lowest rate Amsterdam lenders (with over 10 loans originated) are SEFCU SERVICES, LLC (5.82%), HOMESTEAD FUNDING CORP. (6.40%), KeyBank (6.64%), QUICKEN LOANS, LLC (6.76%) and Community Bank (7.15%).

    Amsterdam, NY Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    HOMESTEAD FUNDING CORP. $16,775,000 $12,525,000 -25.3% 12.1%
    QUICKEN LOANS, LLC $8,970,000 $9,690,000 8.0% 9.4%
    Community Bank $6,595,000 $9,085,000 37.8% 8.8%
    SEFCU SERVICES, LLC $7,100,000 $6,230,000 -12.3% 6.0%
    STATE EMPLOYEES FEDERAL CREDIT UNION $5,365,000 $5,940,000 10.7% 5.7%
    UNITED WHOLESALE MORTGAGE, LLC $2,575,000 $5,550,000 115.5% 5.4%
    NBT Bank $5,905,000 $4,540,000 -23.1% 4.4%
    TrustCo Bank $3,100,000 $4,490,000 44.8% 4.3%
    SUNMARK FEDERAL CREDIT UNION $10,070,000 $4,205,000 -58.2% 4.1%
    KeyBank $4,050,000 $3,115,000 -23.1% 3.0%
    Farm Credit East, ACA $2,250,000 $3,060,000 36.0% 3.0%
    NEWREZ LLC $445,000 $2,915,000 555.1% 2.8%
    PLAZA HOME MORTGAGE, INC. $1,145,000 $2,410,000 110.5% 2.3%
    Premium Mortgage Corporation $2,380,000 $1,825,000 -23.3% 1.8%
    Citizens Bank $1,400,000 $1,580,000 12.9% 1.5%
    NAVY FEDERAL CREDIT UNION $915,000 $1,465,000 60.1% 1.4%
    M&T Bank $1,345,000 $1,440,000 7.1% 1.4%
    Empower Federal Credit Union $1,355,000 $1,355,000 0.0% 1.3%
    Mortgage Research Center, LLC $3,630,000 $1,340,000 -63.1% 1.3%
    MOVEMENT MORTGAGE, LLC $590,000 $1,295,000 119.5% 1.3%
    Ballston Spa National Bank $310,000 $1,090,000 251.6% 1.1%
    First National Bank of Scotia $1,010,000 $955,000 -5.4% 0.9%
    The National Bank of Coxsackie $940,000 n/a 0.9%
    NP, Inc. $770,000 n/a 0.7%
    A&D Mortgage LLC $190,000 $720,000 278.9% 0.7%
    AMERICAN FINANCIAL RESOURCES, INC. $955,000 $710,000 -25.7% 0.7%
    FIRST NEW YORK $1,380,000 $685,000 -50.4% 0.7%
    21ST MORTGAGE CORPORATION $215,000 $650,000 202.3% 0.6%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,165,000 $610,000 -47.6% 0.6%
    JPMorgan Chase Bank $495,000 $610,000 23.2% 0.6%
    AMERICAN FINANCIAL NETWORK, INC. $575,000 n/a 0.6%
    PARAGON HOME LOANS INC. $570,000 n/a 0.6%
    Bank of Richmondville $285,000 $560,000 96.5% 0.5%
    US MORTGAGE CORPORATION $545,000 n/a 0.5%
    USAA Federal Savings Bank $525,000 $490,000 -6.7% 0.5%
    Flagstar Bank, FSB $1,160,000 $450,000 -61.2% 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $1,100,000 $410,000 -62.7% 0.4%
    LOANDEPOT.COM, LLC $880,000 $395,000 -55.1% 0.4%
    HUNT MORTGAGE CORPORATION $360,000 $360,000 0.0% 0.3%
    CARDINAL FINANCIAL $215,000 $355,000 65.1% 0.3%
    RELIANCE FIRST CAPITAL, LLC $430,000 $330,000 -23.3% 0.3%
    MLB RESIDENTIAL LENDING, LLC $340,000 $315,000 -7.4% 0.3%
    Logan Finance Corporation $305,000 n/a 0.3%
    VELOCITY COMMERCIAL CAPITAL, LLC $325,000 $305,000 -6.2% 0.3%
    Barrington Bank & Trust Company, N.A. $95,000 $290,000 205.3% 0.3%
    PENNYMAC LOAN SERVICES, LLC $145,000 $290,000 100.0% 0.3%
    AMERICAN FINANCING CORPORATION $315,000 $285,000 -9.5% 0.3%
    Bank of America $55,000 $275,000 400.0% 0.3%
    Citibank $235,000 n/a 0.2%
    INTERSTATE HOME LOAN CENTER, INC. $235,000 n/a 0.2%
    Berkshire Bank $695,000 $210,000 -69.8% 0.2%
    Equity Prime Mortgage LLC $175,000 $195,000 11.4% 0.2%
    TEMPLE VIEW CAPITAL FUNDING, LP $195,000 n/a 0.2%
    CROSSCOUNTRY MORTGAGE, LLC $180,000 $175,000 -2.8% 0.2%
    East Coast Capital Corp. $125,000 $175,000 40.0% 0.2%
    HUDSON HERITAGE $175,000 n/a 0.2%
    UNITED NORTHERN MORTGAGE BANKERS LIMITED $165,000 $165,000 0.0% 0.2%
    AMERICU Credit Union $935,000 $160,000 -82.9% 0.2%
    LENDINGHOME FUNDING CORPORATION $85,000 $145,000 70.6% 0.1%
    Wells Fargo Bank $650,000 $145,000 -77.7% 0.1%
    Carrington Mortgage Services, LLC $475,000 $135,000 -71.6% 0.1%
    Chemung Canal Trust Company $225,000 $135,000 -40.0% 0.1%
    Evolve Bank & Trust $145,000 $135,000 -6.9% 0.1%
    U.S. Bank $130,000 n/a 0.1%
    Bank of England $300,000 $125,000 -58.3% 0.1%
    FREEDOM MORTGAGE CORPORATION $105,000 $105,000 0.0% 0.1%
    Pioneer Bank $35,000 $100,000 185.7% 0.1%
    FIRST SOURCE $100,000 $90,000 -10.0% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $85,000 n/a 0.1%
    GPO Federal Credit Union $305,000 $70,000 -77.0% 0.1%
    Baxter Credit Union $125,000 $65,000 -48.0% 0.1%
    FIRST CREDIT CORPORATION OF NEW YORK, INC. $65,000 n/a 0.1%
    GREENWOOD $65,000 n/a 0.1%
    Discover Bank $55,000 n/a 0.1%
    COMMUNITY RESOURCE FEDERAL CREDIT UNION $205,000 $35,000 -82.9% 0.0%
    PNC Bank $25,000 $35,000 40.0% 0.0%
    Saratoga National Bank and Trust Company $35,000 n/a 0.0%
    CFCU Community Credit Union $25,000 n/a 0.0%

    Amsterdam's top lender by overall market share is HOMESTEAD FUNDING CORP., with 12.1% market share. In second place, with 9.4%, is QUICKEN LOANS, LLC, having originated $9,690,000 in loans. In third place, with 8.8%, is Community Bank, having originated $9,085,000 in loans. In fourth place, with 6.0%, is SEFCU SERVICES, LLC, having originated $6,230,000 in loans. In fifth place, with 5.7%, is STATE EMPLOYEES FEDERAL CREDIT UNION, having originated $5,940,000 in loans.

    Amsterdam Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Amsterdam (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 $128,225 (28.3%) $152,877 (14.1%) 0.00 170
    2018-02-01 $134,900 (42.8%) $156,550 (21.5%) 0.00 162
    2018-03-01 $134,950 (40.9%) $158,429 (27.2%) 0.00 168
    2018-04-01 $135,000 (22.8%) $163,346 (26.5%) 0.00 170
    2018-05-01 $137,000 (28.2%) $174,190 (28.9%) 0.00 178
    2018-06-01 $134,900 (25.8%) $175,084 (28.9%) 0.00 185
    2018-07-01 $129,900 (8.3%) $171,510 (20.6%) 0.00 180
    2018-08-01 $129,900 (9.2%) $173,285 (22.2%) 0.00 175
    2018-09-01 $125,000 (5.3%) $172,764 (19.7%) 0.00 179
    2018-10-01 $129,350 (5.5%) $175,551 (18.6%) 0.00 189
    2018-11-01 $129,950 (3.2%) $175,575 (18.5%) 0.00 176
    2018-12-01 $124,900 (0.3%) $172,564 (17.1%) 0.00 167
    2019-01-01 $121,900 (-4.9%) $172,225 (12.7%) 0.00 158
    2019-02-01 $125,900 (-6.7%) $172,129 (10.0%) 0.00 148
    2019-03-01 $126,329 (-6.4%) $173,260 (9.4%) 0.00 143
    2019-04-01 $125,104 (-7.3%) $171,645 (5.1%) 0.00 141
    2019-05-01 $129,575 (-5.4%) $178,316 (2.4%) 0.00 154
    2019-06-01 $142,400 (5.6%) $183,728 (4.9%) 0.00 174
    2019-07-01 $137,450 (5.8%) $184,047 (7.3%) 0.00 186
    2019-08-01 $141,303 (8.8%) $180,706 (4.3%) 0.00 187
    2019-09-01 $143,257 (14.6%) $175,680 (1.7%) 0.00 187
    2019-10-01 $146,389 (13.2%) $181,800 (3.6%) 0.00 189
    2019-11-01 $139,450 (7.3%) $183,726 (4.6%) 0.00 185
    2019-12-01 $131,150 (5.0%) $179,469 (4.0%) 0.00 182
    2020-01-01 $124,900 (2.5%) $181,261 (5.3%) 0.00 165
    2020-02-01 $124,900 (-0.8%) $182,524 (6.0%) 0.00 161
    2020-03-01 $127,400 (0.9%) $182,109 (5.1%) 0.00 169
    2020-04-01 $131,175 (4.9%) $183,434 (6.9%) 0.00 169
    2020-05-01 $129,900 (0.3%) $189,146 (6.1%) 0.00 157
    2020-06-01 $135,000 (-5.2%) $192,785 (4.9%) 0.00 142
    2020-07-01 $145,000 (5.5%) $205,827 (11.8%) 0.00 133
    2020-08-01 $149,900 (6.1%) $211,109 (16.8%) 0.00 134
    2020-09-01 $149,450 (4.3%) $204,417 (16.4%) 0.00 138
    2020-10-01 $139,950 (-4.4%) $183,850 (1.1%) 0.00 125
    2020-11-01 $138,475 (-0.7%) $180,908 (-1.5%) 0.00 121
    2020-12-01 $153,725 (17.2%) $196,580 (9.5%) 0.00 104
    2021-01-01 $159,000 (27.3%) $211,939 (16.9%) 0.00 92
    2021-02-01 $171,200 (37.1%) $232,513 (27.4%) 0.00 75
    2021-03-01 $173,200 (36.0%) $219,822 (20.7%) 0.00 62
    2021-04-01 $186,125 (41.9%) $264,770 (44.3%) 0.00 57
    2021-05-01 $177,400 (36.6%) $249,309 (31.8%) 0.00 58
    2021-06-01 $163,500 (21.1%) $243,932 (26.5%) 0.00 74
    2021-07-01 $159,950 (10.3%) $236,150 (14.7%) 0.00 85
    2021-08-01 $184,975 (23.4%) $252,401 (19.6%) 0.00 94
    2021-09-01 $185,325 (24.0%) $264,775 (29.5%) 0.00 90
    2021-10-01 $178,500 (27.6%) $242,955 (32.2%) 0.00 96
    2021-11-01 $186,000 (34.3%) $258,038 (42.6%) 0.00 88
    2021-12-01 $213,100 (38.6%) $272,284 (38.5%) 0.00 79
    2022-01-01 $187,000 (17.6%) $269,292 (27.1%) 0.00 75
    2022-02-01 $186,450 (8.9%) $261,843 (12.6%) 0.00 56
    2022-03-01 $207,400 (19.8%) $268,349 (22.1%) 0.00 62
    2022-04-01 $204,450 (9.9%) $286,034 (8.0%) 0.00 53
    2022-05-01 $184,000 (3.7%) $268,940 (7.9%) 0.00 62
    2022-06-01 $204,875 (25.3%) $256,497 (5.2%) 0.00 73
    2022-07-01 $202,250 (26.5%) $255,077 (8.0%) 0.00 78
    2022-08-01 $225,725 (22.0%) $261,404 (3.6%) 0.00 77
    2022-09-01 $223,675 (20.7%) $267,736 (1.1%) 0.00 78
    2022-10-01 $209,450 (17.3%) $260,992 (7.4%) 0.00 90
    2022-11-01 $191,875 (3.2%) $246,186 (-4.6%) 0.00 93
    2022-12-01 $193,950 (-9.0%) $245,475 (-9.9%) 0.00 90
    2023-01-01 $189,450 (1.3%) $247,971 (-7.9%) 0.00 90
    2023-02-01 $193,450 (3.8%) $254,874 (-2.7%) 0.00 82
    2023-03-01 $239,450 (15.5%) $267,385 (-0.4%) 0.00 72
    2023-04-01 $239,000 (16.9%) $265,632 (-7.1%) 0.00 69
    2023-05-01 $234,225 (27.3%) $263,571 (-2.0%) 0.00 78
    2023-06-01 $222,450 (8.6%) $243,015 (-5.3%) 0.00 80
    2023-07-01 $214,450 (6.0%) $238,192 (-6.6%) 0.00 77
    2023-08-01 $214,450 (-5.0%) $239,571 (-8.4%) 0.00 74
    2023-09-01 $192,450 (-14.0%) $235,753 (-12.0%) 0.00 83
    2023-10-01 $185,975 (-11.2%) $224,315 (-14.1%) 0.00 92
    2023-11-01 $186,700 (-2.7%) $223,639 (-9.2%) 0.00 91
    2023-12-01 $187,000 (-3.6%) $222,751 (-9.3%) 0.00 85
    2024-01-01 $181,500 (-4.2%) $220,278 (-11.2%) 0.00 74
    2024-02-01 $178,500 (-7.7%) $217,784 (-14.6%) 0.00 66
    2024-03-01 $169,950 (-29.0%) $218,377 (-18.3%) 0.00 61
    2024-04-01 $169,250 (-29.2%) $233,665 (-12.0%) 0.00 57
    2024-05-01 $199,700 (-14.7%) $254,364 (-3.5%) 0.00 66
    2024-06-01 $209,950 (-5.6%) $251,321 (3.4%) 0.00 73
    2024-07-01 $208,200 (-2.9%) $251,421 (5.6%) 0.00 73
    2024-08-01 $215,000 (0.3%) $248,320 (3.7%) 0.00 85
    2024-09-01 $215,250 (11.9%) $255,972 (8.6%) 0.00 82
    2024-10-01 $210,500 (13.2%) $245,516 (9.5%) 0.00 72
    2024-11-01 $223,950 (20.0%) $255,216 (14.1%) 0.00 91
    2024-12-01 $219,125 (17.2%) $257,559 (15.6%) 0.00 86
    2025-01-01 $219,900 (21.2%) $260,419 (18.2%) 0.00 85
    2025-02-01 $229,500 (28.6%) $262,684 (20.6%) 0.00 83
    Amsterdam's median listing price for 2025-02-01 was $229,500, a difference of $51,000 (28.6%) versus the prior year and $9,600 versus the prior month.

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

    Amsterdam's average listing price for 2025-02-01 was $262,684, a difference of $44,900 (20.6%) versus the prior year and $2,265 versus the prior month.

    For the 2025-02-01 period, Amsterdam had 83 MLS listings, a difference of -2 listings (-2%) versus the prior month and 17 listings (26%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Amsterdam (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,746 sqft
    2018-02-01 0 days 1,751 sqft
    2018-03-01 0 days 1,800 sqft
    2018-04-01 0 days 1,804 sqft
    2018-05-01 0 days 1,796 sqft
    2018-06-01 0 days 1,774 sqft
    2018-07-01 0 days 1,733 sqft
    2018-08-01 0 days 1,732 sqft
    2018-09-01 0 days 1,757 sqft
    2018-10-01 0 days 1,774 sqft
    2018-11-01 0 days 1,835 sqft
    2018-12-01 0 days 1,800 sqft
    2019-01-01 0 days 1,717 sqft
    2019-02-01 0 days 1,736 sqft
    2019-03-01 0 days 1,719 sqft
    2019-04-01 0 days 1,701 sqft
    2019-05-01 0 days 1,817 sqft
    2019-06-01 0 days 1,728 sqft
    2019-07-01 0 days 1,665 sqft
    2019-08-01 0 days 1,721 sqft
    2019-09-01 0 days 1,709 sqft
    2019-10-01 0 days 1,716 sqft
    2019-11-01 0 days 1,732 sqft
    2019-12-01 0 days 1,699 sqft
    2020-01-01 0 days 1,692 sqft
    2020-02-01 0 days 1,686 sqft
    2020-03-01 0 days 1,698 sqft
    2020-04-01 0 days 1,700 sqft
    2020-05-01 0 days 1,700 sqft
    2020-06-01 0 days 1,758 sqft
    2020-07-01 0 days 1,811 sqft
    2020-08-01 0 days 1,864 sqft
    2020-09-01 0 days 1,778 sqft
    2020-10-01 0 days 1,736 sqft
    2020-11-01 0 days 1,708 sqft
    2020-12-01 0 days 1,654 sqft
    2021-01-01 0 days 1,690 sqft
    2021-02-01 0 days 1,685 sqft
    2021-03-01 0 days 1,644 sqft
    2021-04-01 0 days 1,845 sqft
    2021-05-01 0 days 1,912 sqft
    2021-06-01 0 days 1,746 sqft
    2021-07-01 0 days 1,736 sqft
    2021-08-01 0 days 1,794 sqft
    2021-09-01 0 days 1,847 sqft
    2021-10-01 0 days 1,830 sqft
    2021-11-01 0 days 1,832 sqft
    2021-12-01 0 days 1,905 sqft
    2022-01-01 0 days 2,000 sqft
    2022-02-01 0 days 1,830 sqft
    2022-03-01 0 days 1,887 sqft
    2022-04-01 0 days 1,880 sqft
    2022-05-01 0 days 1,867 sqft
    2022-06-01 0 days 1,801 sqft
    2022-07-01 0 days 1,855 sqft
    2022-08-01 0 days 1,857 sqft
    2022-09-01 0 days 1,720 sqft
    2022-10-01 0 days 1,683 sqft
    2022-11-01 0 days 1,685 sqft
    2022-12-01 0 days 1,816 sqft
    2023-01-01 0 days 1,935 sqft
    2023-02-01 0 days 1,944 sqft
    2023-03-01 0 days 1,951 sqft
    2023-04-01 0 days 1,942 sqft
    2023-05-01 0 days 1,851 sqft
    2023-06-01 0 days 1,820 sqft
    2023-07-01 0 days 1,792 sqft
    2023-08-01 0 days 1,691 sqft
    2023-09-01 0 days 1,639 sqft
    2023-10-01 0 days 1,596 sqft
    2023-11-01 0 days 1,609 sqft
    2023-12-01 0 days 1,613 sqft
    2024-01-01 0 days 1,623 sqft
    2024-02-01 0 days 1,636 sqft
    2024-03-01 0 days 1,512 sqft
    2024-04-01 0 days 1,581 sqft
    2024-05-01 0 days 1,691 sqft
    2024-06-01 0 days 1,822 sqft
    2024-07-01 0 days 1,703 sqft
    2024-08-01 0 days 1,838 sqft
    2024-09-01 0 days 1,742 sqft
    2024-10-01 0 days 1,722 sqft
    2024-11-01 0 days 1,700 sqft
    2024-12-01 0 days 1,708 sqft
    2025-01-01 0 days 1,712 sqft
    2025-02-01 0 days 1,702 sqft
    Amsterdam's median listing age (time on market) for 2025-02-01 was 0 days.

    Amsterdam's median square footage for active listings during the 2025-02-01 period was 1,702 sqft. One year prior, the average listing was 1,636 sqft.

    Amsterdam, NY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 382 $73,610,000 $192,696
    Home Improvement 130 $9,170,000 $70,538
    Cash Out Refi 72 $10,910,000 $151,528
    Other 56 $4,290,000 $76,607
    Refi 48 $5,520,000 $115,000

    Amsterdam's most frequently cited loan purpose was Home Purchase, with 382 originations. The 2nd most popular reason was Home Improvement, with 130 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 258 $41,220,000 $159,767
    7-8% 142 $24,050,000 $169,366
    5-6% 104 $19,380,000 $186,346
    Over 8% 72 $7,130,000 $99,028
    <2.5% 40 $2,260,000 $56,500
    4-5% 23 $2,995,000 $130,217
    3-4% 14 $1,300,000 $92,857

    During 2023, Amsterdam's most frequently originated rate bucket was 6-7%, with 258 originations.

    Loan Sizing (Amsterdam, NY MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 266 $38,590,000 $145,075
    $100,000 or less 255 $14,715,000 $57,706
    $200k-400k 155 $41,055,000 $264,871
    $400k-600k 8 $3,690,000 $461,250
    $600k-1000k 2 $1,250,000 $625,000
    $Over $1MM 2 $4,200,000 $2,100,000

    Amsterdam's loan sizing saw the bucket of loans from $100k-200k with 266 originations, totaling $38,590,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 299 $58,825,000 $196,739
    20-40% 111 $7,955,000 $71,667
    60-80% 110 $18,210,000 $165,545
    40-60% 66 $9,980,000 $151,212
    Under 20% 59 $1,735,000 $29,407
    Over 100% 7 $1,615,000 $230,714

    Amsterdam's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 299 originations, totaling $58,825,000 in origination value.