Amsterdam Mortgage Rates & Closing Costs

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  • Trends
  • Rates vs. Fees
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  • Market Share
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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 6.95% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

    The average rate for the prior week (2025-04-03) was 6.87% and one month ago for the week of 2025-03-06, the average rate was 6.76%.

    Amsterdam's average rate one year ago was 6.95%.

    For refis of the same type during the week of 2025-04-10, the average rate was 6.82%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Amsterdam 30 Year Fixed Rate 2025-04-10 6.95%
    Amsterdam 30 Year Fixed Rate Refi 2025-04-10 6.82%
    Amsterdam 15 Year Fixed Rate 2025-04-10 5.82%
    Amsterdam 15 Year Fixed Rate Refi 2025-04-10 6.12%
    Amsterdam 30 Year FHA 2025-04-10 6.36%
    Amsterdam 30 Year FHA Refi 2025-04-10 6.63%
    Amsterdam 30 Year USDA 2025-04-10 6.35%
    Amsterdam 30 Year USDA Refi 2025-04-10 6.25%
    Amsterdam 30 Year VA 2025-04-10 6.09%
    Amsterdam 30 Year VA Refi 2025-04-10 6.39%
    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    HOMESTEAD FUNDING CORP. 40 6.47% $3,120
    Community Bank 31 7.48% $1,100
    SEFCU SERVICES, LLC 29 6.25% $3,775
    QUICKEN LOANS, LLC 16 7.00% $5,948
    NBT Bank 14 6.65% $3,980
    NEWREZ LLC 13 7.04% $6,626
    UNITED WHOLESALE MORTGAGE, LLC 10 6.34% $7,079
    KeyBank 8 6.77% $4,062
    US MORTGAGE CORPORATION 8 7.03% $8,018
    Premium Mortgage Corporation 8 6.72% $4,860
    Farm Credit East, ACA 7 7.38% $3,752
    Empower Federal Credit Union 6 6.85% $3,096
    SUNMARK FEDERAL CREDIT UNION 5 6.48% $4,127
    PLAZA HOME MORTGAGE, INC. 4 6.40% $9,920
    Saratoga National Bank and Trust Company 4 6.38% $5,002
    JPMorgan Chase Bank 3 6.58% $3,735
    OWNERSCHOICE FUNDING, INCORPORATED 2 6.50% $5,656
    Flagstar Bank, FSB 2 6.93% $5,595
    21ST MORTGAGE CORPORATION 2 8.64% $6,358
    TrustCo Bank 2 6.69% $2,919
    U.S. Bank 2 6.00% $6,694
    MLB RESIDENTIAL LENDING, LLC 1 9.30% $8,771
    Morgan Stanley Private Bank 1 6.65% $4,735
    MOVEMENT MORTGAGE, LLC 1 6.13% $5,881
    Mr. Cooper ( Nationstar Mortgage ) 1 7.50% $6,326
    M&T Bank 1 6.88% $4,408
    First State Bank of St. Charles, Missouri 1 6.63% $6,007
    First National Bank of America 1 11.13% $7,989
    Wells Fargo Bank 1 6.63% $4,517
    PENNYMAC LOAN SERVICES, LLC 1 6.38% $4,534
    FIRST COLONY MORTGAGE CORPORATION 1 6.88% $8,335
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.13% $9,196
    Evolve Bank & Trust 1 7.13% $3,711
    Quontic Bank 1 9.13% $9,620
    RBC Bank, (Georgia) 1 6.00% $2,660
    RELIANCE FIRST CAPITAL, LLC 1 7.99% $3,538
    ROYAL UNITED MORTGAGE LLC 1 7.00% $10,638
    EMBRACE HOME LOANS, INC. 1 6.13% $6,787
    Chemung Canal Trust Company 1 6.63% $3,007
    Berkshire Bank 1 6.88% $3,618
    AMERICU Credit Union 1 5.88% $5,182
    Ulster Savings Bank 1 7.00% $4,398
    Bank of America 1 5.88% $5,186
    Glens Falls National Bank and Trust Company 1 7.00% $500
    Metro City Bank 1 7.38% $8,326
    MID-HUDSON VALLEY 1 6.13% $3,190

    Amsterdam Average Closing Costs & Other Stats

    Amsterdam, NY's 46 lenders originated 688 loans during 2024. The total origination value was $103,440,000, with an average loan value of $150,349.

    Amsterdam's average closing costs are $4,754.

    The top Amsterdam lender as defined by loan originations is HOMESTEAD FUNDING CORP., with 40 loans originated. Their average total fees are $3,120, which is $2,020 higher than the next largest lender, Community Bank.

    The lowest fee Amsterdam lenders (with over 10 loans originated) are Community Bank ($1,100), HOMESTEAD FUNDING CORP. ($3,120), SEFCU SERVICES, LLC ($3,775), NBT Bank ($3,980) and QUICKEN LOANS, LLC ($5,948).

    The lowest rate Amsterdam lenders (with over 10 loans originated) are SEFCU SERVICES, LLC (6.25%), UNITED WHOLESALE MORTGAGE, LLC (6.34%), HOMESTEAD FUNDING CORP. (6.47%), NBT Bank (6.65%) and QUICKEN LOANS, LLC (7.00%).

    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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    HOMESTEAD FUNDING CORP. $12,525,000 $13,780,000 10.0% 13.3%
    SEFCU SERVICES, LLC $6,230,000 $7,200,000 15.6% 7.0%
    Community Bank $9,085,000 $6,730,000 -25.9% 6.5%
    NBT Bank $4,540,000 $6,595,000 45.3% 6.4%
    QUICKEN LOANS, LLC $9,690,000 $6,205,000 -36.0% 6.0%
    UNITED WHOLESALE MORTGAGE, LLC $5,550,000 $5,635,000 1.5% 5.4%
    STATE EMPLOYEES FEDERAL CREDIT UNION $5,940,000 $5,330,000 -10.3% 5.2%
    NEWREZ LLC $2,915,000 $5,190,000 78.0% 5.0%
    SUNMARK FEDERAL CREDIT UNION $4,205,000 $3,380,000 -19.6% 3.3%
    Farm Credit East, ACA $3,060,000 $2,550,000 -16.7% 2.5%
    KeyBank $3,115,000 $2,500,000 -19.7% 2.4%
    Empower Federal Credit Union $1,355,000 $2,160,000 59.4% 2.1%
    PLAZA HOME MORTGAGE, INC. $2,410,000 $2,110,000 -12.4% 2.0%
    US MORTGAGE CORPORATION $545,000 $1,935,000 255.0% 1.9%
    Premium Mortgage Corporation $1,825,000 $1,855,000 1.6% 1.8%
    Flagstar Bank, FSB $450,000 $1,455,000 223.3% 1.4%
    Mortgage Research Center, LLC $1,340,000 $1,310,000 -2.2% 1.3%
    Saratoga National Bank and Trust Company $35,000 $1,080,000 2,985.7% 1.0%
    21ST MORTGAGE CORPORATION $650,000 $1,075,000 65.4% 1.0%
    TrustCo Bank $4,490,000 $990,000 -78.0% 1.0%
    First National Bank of Scotia $955,000 $960,000 0.5% 0.9%
    USAA Federal Savings Bank $490,000 $820,000 67.3% 0.8%
    LENDINGONE, LLC $725,000 n/a 0.7%
    FIRST NEW YORK $685,000 $700,000 2.2% 0.7%
    JPMorgan Chase Bank $610,000 $650,000 6.6% 0.6%
    1ST PRIORITY MORTGAGE, INC. $625,000 n/a 0.6%
    GUARANTEED RATE, INC. $595,000 n/a 0.6%
    OWNERSCHOICE FUNDING, INCORPORATED $590,000 n/a 0.6%
    AMERICU Credit Union $160,000 $570,000 256.3% 0.6%
    Hometown Equity Mortgage, LLC $570,000 n/a 0.6%
    Chemung Canal Trust Company $135,000 $530,000 292.6% 0.5%
    LOANDEPOT.COM, LLC $395,000 $530,000 34.2% 0.5%
    Berkshire Bank $210,000 $525,000 150.0% 0.5%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $610,000 $490,000 -19.7% 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $410,000 $470,000 14.6% 0.5%
    First State Bank of St. Charles, Missouri $455,000 n/a 0.4%
    Citizens Bank $1,580,000 $445,000 -71.8% 0.4%
    PENNYMAC LOAN SERVICES, LLC $290,000 $435,000 50.0% 0.4%
    AMERICAN FINANCING CORPORATION $285,000 $425,000 49.1% 0.4%
    Evolve Bank & Trust $135,000 $410,000 203.7% 0.4%
    Wells Fargo Bank $145,000 $405,000 179.3% 0.4%
    U.S. Bank $130,000 $400,000 207.7% 0.4%
    RELIANCE FIRST CAPITAL, LLC $330,000 $395,000 19.7% 0.4%
    Ulster Savings Bank $385,000 n/a 0.4%
    MOVEMENT MORTGAGE, LLC $1,295,000 $380,000 -70.7% 0.4%
    M&T Bank $1,440,000 $380,000 -73.6% 0.4%
    RBC Bank, (Georgia) $375,000 n/a 0.4%
    Capital Bank $365,000 n/a 0.4%
    CROSSCOUNTRY MORTGAGE, LLC $175,000 $365,000 108.6% 0.4%
    Carrington Mortgage Services, LLC $135,000 $340,000 151.9% 0.3%
    Morgan Stanley Private Bank $335,000 n/a 0.3%
    MLB RESIDENTIAL LENDING, LLC $315,000 $320,000 1.6% 0.3%
    VELOCITY COMMERCIAL CAPITAL, LLC $305,000 $320,000 4.9% 0.3%
    Equity Prime Mortgage LLC $195,000 $270,000 38.5% 0.3%
    FIRST SOURCE $90,000 $260,000 188.9% 0.3%
    Bank of Richmondville $560,000 $255,000 -54.5% 0.2%
    Metro City Bank $255,000 n/a 0.2%
    TRIAD FINANCIAL SERVICES, INC. $85,000 $255,000 200.0% 0.2%
    Glens Falls National Bank and Trust Company $245,000 n/a 0.2%
    AMWEST FUNDING CORP. $230,000 n/a 0.2%
    FREEDOM MORTGAGE CORPORATION $105,000 $185,000 76.2% 0.2%
    Quontic Bank $185,000 n/a 0.2%
    ROYAL UNITED MORTGAGE LLC $185,000 n/a 0.2%
    TOTAL MORTGAGE SERVICES, LLC $185,000 n/a 0.2%
    East Coast Capital Corp. $175,000 $175,000 0.0% 0.2%
    Magnolia Bank $175,000 n/a 0.2%
    The Bank of Greene County $165,000 n/a 0.2%
    First National Bank of America $155,000 n/a 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $150,000 n/a 0.1%
    TD Bank $150,000 n/a 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $575,000 $145,000 -74.8% 0.1%
    EMBRACE HOME LOANS, INC. $145,000 n/a 0.1%
    DOMINION FINANCIAL SERVICES, LLC $135,000 n/a 0.1%
    FIRST COLONY MORTGAGE CORPORATION $135,000 n/a 0.1%
    PHH Mortgage Corporation $135,000 n/a 0.1%
    PNC Bank $35,000 $135,000 285.7% 0.1%
    UNITED NORTHERN MORTGAGE BANKERS LIMITED $165,000 $135,000 -18.2% 0.1%
    Barrington Bank & Trust Company, N.A. $290,000 $125,000 -56.9% 0.1%
    Discover Bank $55,000 $120,000 118.2% 0.1%
    Citadel Servicing Corporation $115,000 n/a 0.1%
    A&D Mortgage LLC $720,000 $105,000 -85.4% 0.1%
    AMERICAN HERITAGE LENDING, INC. $105,000 n/a 0.1%
    LENDINGHOME FUNDING CORPORATION $145,000 $105,000 -27.6% 0.1%
    MID-HUDSON VALLEY $95,000 n/a 0.1%
    Bank of America $275,000 $85,000 -69.1% 0.1%
    The National Bank of Coxsackie $940,000 $85,000 -91.0% 0.1%
    HUDSON HERITAGE $175,000 $75,000 -57.1% 0.1%
    LAKEVIEW LOAN SERVICING, LLC $75,000 n/a 0.1%
    HUDSON RIVER COMMUNITY $65,000 n/a 0.1%
    WILLIAM RAVEIS MORTGAGE, LLC $65,000 n/a 0.1%
    TCT $35,000 n/a 0.0%
    TEACHERS $35,000 n/a 0.0%

    Amsterdam's top lender by overall market share is HOMESTEAD FUNDING CORP., with 13.3% market share. In second place, with 7.0%, is SEFCU SERVICES, LLC, having originated $7,200,000 in loans. In third place, with 6.5%, is Community Bank, having originated $6,730,000 in loans. In fourth place, with 6.4%, is NBT Bank, having originated $6,595,000 in loans. In fifth place, with 6.0%, is QUICKEN LOANS, LLC, having originated $6,205,000 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
    2025-03-01 $215,000 (26.5%) $251,183 (15.0%) 0.00 71
    Amsterdam's median listing price for 2025-03-01 was $215,000, a difference of $45,050 (26.5%) versus the prior year and $-14,500 versus the prior month.

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

    Amsterdam's average listing price for 2025-03-01 was $251,183, a difference of $32,806 (15.0%) versus the prior year and $-11,501 versus the prior month.

    For the 2025-03-01 period, Amsterdam had 71 MLS listings, a difference of -12 listings (-14%) versus the prior month and 10 listings (16%) 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
    2025-03-01 0 days 1,686 sqft
    Amsterdam's median listing age (time on market) for 2025-03-01 was 0 days.

    Amsterdam's median square footage for active listings during the 2025-03-01 period was 1,686 sqft. One year prior, the average listing was 1,512 sqft.

    Amsterdam, NY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 392 $73,050,000 $186,352
    Home Improvement 105 $6,805,000 $64,810
    Cash Out Refi 91 $13,195,000 $145,000
    Other 50 $4,100,000 $82,000
    Refi 50 $6,290,000 $125,800

    Amsterdam's most frequently cited loan purpose was Home Purchase, with 392 originations. The 2nd most popular reason was Home Improvement, with 105 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 277 $50,185,000 $181,173
    7-8% 157 $21,605,000 $137,611
    Over 8% 114 $10,100,000 $88,596
    5-6% 84 $15,140,000 $180,238
    3-4% 16 $1,520,000 $95,000
    4-5% 11 $1,415,000 $128,636
    <2.5% 6 $430,000 $71,667

    During 2024, Amsterdam's most frequently originated rate bucket was 6-7%, with 277 originations.

    Loan Sizing (Amsterdam, NY MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 295 $44,145,000 $149,644
    $100,000 or less 228 $13,400,000 $58,772
    $200k-400k 151 $38,695,000 $256,258
    $400k-600k 11 $5,185,000 $471,364
    $600k-1000k 3 $2,015,000 $671,667

    Amsterdam's loan sizing saw the bucket of loans from $100k-200k with 295 originations, totaling $44,145,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 304 $58,630,000 $192,862
    60-80% 145 $24,835,000 $171,276
    20-40% 83 $6,065,000 $73,072
    Under 20% 68 $2,510,000 $36,912
    40-60% 58 $6,640,000 $114,483
    Over 100% 5 $1,575,000 $315,000

    Amsterdam's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 304 originations, totaling $58,630,000 in origination value.