Auburn Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Auburn averaged 6.97% for the week of 2025-07-03, compared to the national average of 6.67% for the same period.

    The average rate for the prior week (2025-06-26) was 6.77% and one month ago for the week of 2025-05-29, the average rate was 7.09%.

    Auburn's average rate one year ago was 6.86%.

    For refis of the same type during the week of 2025-07-03, the average rate was 6.67%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-07-03 6.67%
    Auburn 30 Year Fixed Rate 2025-07-03 6.97%
    Auburn 30 Year Fixed Rate Refi 2025-07-03 6.67%
    Auburn 15 Year Fixed Rate 2025-07-03 6%
    Auburn 15 Year Fixed Rate Refi 2025-07-03 5.7%
    Auburn 30 Year FHA 2025-07-03 0.46%
    Auburn 30 Year FHA Refi 2025-07-03 0.3%
    Auburn 30 Year USDA 2025-07-03 -0.2%
    Auburn 30 Year USDA Refi 2025-07-03 0%
    Auburn 30 Year VA 2025-07-03 -0.2%
    Auburn 30 Year VA Refi 2025-07-03 0%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Auburn, NY.

    Auburn 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 Auburn, 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
    The Lyons National Bank 63 6.73% $4,547
    Empower Federal Credit Union 36 7.03% $3,066
    Genesee Regional Bank 26 6.79% $5,619
    Community Bank 21 7.38% $1,357
    Tompkins Trust Company 21 6.53% $3,987
    QUICKEN LOANS, LLC 19 6.78% $6,864
    AMERICU Credit Union 15 6.34% $3,705
    CROSSCOUNTRY MORTGAGE, LLC 15 6.93% $5,051
    KeyBank 14 6.85% $4,089
    EVERETT FINANCIAL, INC. 12 6.73% $6,339
    Farm Credit East, ACA 8 7.58% $5,837
    M&T Bank 7 6.91% $4,713
    HUNT MORTGAGE CORPORATION 7 7.05% $6,649
    PRIMELENDING, A PLAINSCAPITAL COMPANY 7 6.75% $4,375
    MOVEMENT MORTGAGE, LLC 6 6.58% $4,861
    HOMESTEAD FUNDING CORP. 6 6.40% $3,161
    SEFCU SERVICES, LLC 5 6.03% $3,077
    UNITED WHOLESALE MORTGAGE, LLC 5 6.42% $10,053
    CFCU Community Credit Union 5 6.10% $100
    JPMorgan Chase Bank 4 6.72% $6,913
    1ST PRIORITY MORTGAGE, INC. 3 5.92% $6,266
    CMG MORTGAGE, INC. 3 7.21% $7,571
    Premium Mortgage Corporation 3 6.96% $4,755
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.24% $4,301
    Chemung Canal Trust Company 2 6.50% $3,194
    RELIANT COMMUNITY FEDERAL CREDIT UNION 2 6.63% $3,027
    21ST MORTGAGE CORPORATION 2 9.48% $6,302
    UNITED MORTGAGE CORP 2 7.25% $8,081
    SECNY Federal Credit Union 2 6.50% $3,329
    NBT Bank 2 5.81% $4,192
    Northwest Bank 1 6.75% $4,145
    ALLIANT CREDIT UNION 1 6.38% $4,568
    Alternatives Federal Credit Union 1 5.75% $3,508
    AMERICAN FINANCING CORPORATION 1 6.50% $6,166
    Bank of America 1 6.75% $7,192
    BETTER MORTGAGE CORPORATION 1 6.13% $6,621
    Charles Schwab Bank, SSB 1 5.93% $4,229
    Discover Bank 1 7.61% $0
    EMBRACE HOME LOANS, INC. 1 6.99% $6,186
    First-Citizens Bank & Trust Company 1 6.50% $3,901
    Five Star Bank 1 6.50% $3,767
    GUARANTEED RATE, INC. 1 6.48% $5,088
    HUDSON VALLEY CREDIT UNION 1 7.50% $10,094
    Morgan Stanley Private Bank 1 6.15% $8,155
    Mr. Cooper ( Nationstar Mortgage ) 1 7.63% $6,953
    NORTHERN CREDIT UNION 1 7.00% $2,710
    PARAGON HOME LOANS INC. 1 6.63% $3,160
    PENNYMAC LOAN SERVICES, LLC 1 7.00% $11,581
    PLAZA HOME MORTGAGE, INC. 1 7.13% $5,942
    PNC Bank 1 7.25% $5,213
    ROYAL UNITED MORTGAGE LLC 1 7.13% $4,949
    SIRVA MORTGAGE, INC. 1 6.88% $0
    Solvay Bank 1 7.13% $3,712
    THE SUMMIT Federal Credit Union 1 6.13% $2,383
    USAA Federal Savings Bank 1 6.63% $5,318
    Valley National Bank 1 6.38% $4,730
    Wells Fargo Bank 1 7.88% $7,520

    Auburn Average Closing Costs & Other Stats

    Auburn, NY's 57 lenders originated 1,184 loans during 2024. The total origination value was $177,570,000, with an average loan value of $149,975.

    Auburn's average closing costs are $4,681.

    The top Auburn lender as defined by loan originations is The Lyons National Bank, with 63 loans originated. Their average total fees are $4,547, which is $1,481 higher than the next largest lender, Empower Federal Credit Union.

    The lowest fee Auburn lenders (with over 10 loans originated) are Community Bank ($1,357), Empower Federal Credit Union ($3,066), AMERICU Credit Union ($3,705), Tompkins Trust Company ($3,987) and KeyBank ($4,089).

    The lowest rate Auburn lenders (with over 10 loans originated) are AMERICU Credit Union (6.34%), Tompkins Trust Company (6.53%), The Lyons National Bank (6.73%), EVERETT FINANCIAL, INC. (6.73%) and QUICKEN LOANS, LLC (6.78%).

    Auburn, 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
    The Lyons National Bank $23,105,000 $21,580,000 -6.6% 12.2%
    Empower Federal Credit Union $11,480,000 $12,455,000 8.5% 7.0%
    AMERICU Credit Union $6,945,000 $12,325,000 77.5% 6.9%
    Tompkins Trust Company $4,960,000 $9,630,000 94.2% 5.4%
    Genesee Regional Bank $12,005,000 $8,790,000 -26.8% 5.0%
    QUICKEN LOANS, LLC $8,305,000 $8,660,000 4.3% 4.9%
    M&T Bank $7,470,000 $8,005,000 7.2% 4.5%
    KeyBank $5,735,000 $6,245,000 8.9% 3.5%
    Community Bank $6,980,000 $5,730,000 -17.9% 3.2%
    CROSSCOUNTRY MORTGAGE, LLC $375,000 $4,710,000 1,156.0% 2.7%
    The First National Bank of Groton $4,340,000 $3,700,000 -14.7% 2.1%
    Farm Credit East, ACA $3,005,000 $3,640,000 21.1% 2.0%
    EVERETT FINANCIAL, INC. $3,210,000 n/a 1.8%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $955,000 $3,170,000 231.9% 1.8%
    HUNT MORTGAGE CORPORATION $1,205,000 $2,405,000 99.6% 1.4%
    CFCU Community Credit Union $3,345,000 $2,315,000 -30.8% 1.3%
    HOMESTEAD FUNDING CORP. $1,120,000 $2,045,000 82.6% 1.2%
    MOVEMENT MORTGAGE, LLC $1,015,000 $2,040,000 101.0% 1.1%
    Premium Mortgage Corporation $2,000,000 $1,915,000 -4.3% 1.1%
    Mortgage Research Center, LLC $1,445,000 $1,835,000 27.0% 1.0%
    UNITED WHOLESALE MORTGAGE, LLC $1,645,000 $1,800,000 9.4% 1.0%
    Savannah Bank $2,565,000 $1,680,000 -34.5% 0.9%
    Chemung Canal Trust Company $860,000 $1,585,000 84.3% 0.9%
    NAVY FEDERAL CREDIT UNION $1,045,000 $1,560,000 49.3% 0.9%
    Fulton Savings Bank $2,035,000 $1,530,000 -24.8% 0.9%
    JPMorgan Chase Bank $1,225,000 $1,400,000 14.3% 0.8%
    PLAZA HOME MORTGAGE, INC. $3,665,000 $1,285,000 -64.9% 0.7%
    NBT Bank $2,710,000 $1,130,000 -58.3% 0.6%
    Morgan Stanley Private Bank $1,005,000 n/a 0.6%
    RELIANT COMMUNITY FEDERAL CREDIT UNION $980,000 $980,000 0.0% 0.6%
    Wells Fargo Bank $890,000 $945,000 6.2% 0.5%
    SEFCU SERVICES, LLC $935,000 $925,000 -1.1% 0.5%
    The Federal Savings Bank $500,000 $915,000 83.0% 0.5%
    1ST PRIORITY MORTGAGE, INC. $1,005,000 $875,000 -12.9% 0.5%
    Logan Finance Corporation $830,000 n/a 0.5%
    PENNYMAC LOAN SERVICES, LLC $280,000 $800,000 185.7% 0.5%
    21ST MORTGAGE CORPORATION $985,000 $755,000 -23.4% 0.4%
    Northwest Bank $680,000 n/a 0.4%
    OSWEGO COUNTY $655,000 n/a 0.4%
    LENDINGONE, LLC $645,000 n/a 0.4%
    The Canandaigua National Bank and Trust Company $645,000 n/a 0.4%
    Citizens Bank $645,000 $600,000 -7.0% 0.3%
    Bank of America $45,000 $565,000 1,155.6% 0.3%
    SECNY Federal Credit Union $510,000 $555,000 8.8% 0.3%
    Solvay Bank $1,195,000 $525,000 -56.1% 0.3%
    USAA Federal Savings Bank $820,000 $520,000 -36.6% 0.3%
    HUDSON VALLEY CREDIT UNION $490,000 n/a 0.3%
    STATE EMPLOYEES FEDERAL CREDIT UNION $600,000 $490,000 -18.3% 0.3%
    BROKER SOLUTIONS, INC. $475,000 n/a 0.3%
    CMG MORTGAGE, INC. $475,000 n/a 0.3%
    PLANET HOME LENDING, LLC $465,000 n/a 0.3%
    BETTER MORTGAGE CORPORATION $445,000 n/a 0.3%
    EMBRACE HOME LOANS, INC. $405,000 n/a 0.2%
    LOANDEPOT.COM, LLC $500,000 $400,000 -20.0% 0.2%
    Discover Bank $225,000 $390,000 73.3% 0.2%
    TRIAD FINANCIAL SERVICES, INC. $220,000 $360,000 63.6% 0.2%
    SIRVA MORTGAGE, INC. $355,000 n/a 0.2%
    AMERICAN HERITAGE LENDING, INC. $335,000 n/a 0.2%
    AMERITRUST MORTGAGE CORPORATION $330,000 n/a 0.2%
    THE SUMMIT Federal Credit Union $425,000 $330,000 -22.4% 0.2%
    AMERICAN FINANCING CORPORATION $320,000 n/a 0.2%
    Seneca Savings $235,000 $300,000 27.7% 0.2%
    SELF RELIANCE NY Federal Credit Union $285,000 n/a 0.2%
    Barrington Bank & Trust Company, N.A. $735,000 $280,000 -61.9% 0.2%
    FREEDOM MORTGAGE CORPORATION $275,000 n/a 0.2%
    Valley National Bank $275,000 n/a 0.2%
    NORTHERN CREDIT UNION $190,000 $260,000 36.8% 0.1%
    UNITED MORTGAGE CORP $260,000 n/a 0.1%
    RELIANCE FIRST CAPITAL, LLC $290,000 $240,000 -17.2% 0.1%
    Five Star Bank $900,000 $220,000 -75.6% 0.1%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $215,000 n/a 0.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $370,000 $210,000 -43.2% 0.1%
    Community First National Bank $195,000 n/a 0.1%
    NEWREZ LLC $195,000 n/a 0.1%
    TOTAL MORTGAGE SERVICES, LLC $195,000 n/a 0.1%
    First-Citizens Bank & Trust Company $185,000 n/a 0.1%
    Charles Schwab Bank, SSB $175,000 n/a 0.1%
    GUARANTEED RATE, INC. $175,000 n/a 0.1%
    PNC Bank $175,000 $165,000 -5.7% 0.1%
    ALLIANT CREDIT UNION $155,000 n/a 0.1%
    American Airlines Federal Credit Union $155,000 n/a 0.1%
    Geddes Federal Savings and Loan Association $2,070,000 $155,000 -92.5% 0.1%
    Mr. Cooper ( Nationstar Mortgage ) $760,000 $145,000 -80.9% 0.1%
    CONSTRUCTIVE LOANS, LLC $135,000 n/a 0.1%
    INTERSTATE HOME LOAN CENTER, INC. $125,000 $135,000 8.0% 0.1%
    HOME TOWN FUNDING, INC. $475,000 $125,000 -73.7% 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $335,000 $115,000 -65.7% 0.1%
    Pathfinder Bank $535,000 $115,000 -78.5% 0.1%
    Alternatives Federal Credit Union $365,000 $110,000 -69.9% 0.1%
    Baxter Credit Union $105,000 n/a 0.1%
    LONGBRIDGE FINANCIAL, LLC $230,000 $105,000 -54.3% 0.1%
    Generations Bank $580,000 $85,000 -85.3% 0.0%
    LIMA ONE CAPITAL, LLC $355,000 $85,000 -76.1% 0.0%
    ROYAL UNITED MORTGAGE LLC $290,000 $75,000 -74.1% 0.0%
    U.S. Bank $75,000 n/a 0.0%
    Equity Prime Mortgage LLC $145,000 $65,000 -55.2% 0.0%
    GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION $15,000 $55,000 266.7% 0.0%
    PARAGON HOME LOANS INC. $2,185,000 $55,000 -97.5% 0.0%
    Bethpage Federal Credit Union $45,000 n/a 0.0%
    CORNING $45,000 n/a 0.0%

    Auburn's top lender by overall market share is The Lyons National Bank, with 12.2% market share. In second place, with 7.0%, is Empower Federal Credit Union, having originated $12,455,000 in loans. In third place, with 6.9%, is AMERICU Credit Union, having originated $12,325,000 in loans. In fourth place, with 5.4%, is Tompkins Trust Company, having originated $9,630,000 in loans. In fifth place, with 5.0%, is Genesee Regional Bank, having originated $8,790,000 in loans.

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

    Realtor.com - Auburn (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 $129,900 (-3.0%) $197,170 (-1.0%) 0.00 253
    2018-02-01 $139,350 (-0.4%) $213,759 (7.8%) 0.00 249
    2018-03-01 $139,900 (0.0%) $211,545 (1.3%) 0.00 233
    2018-04-01 $147,200 (1.0%) $215,279 (-0.6%) 0.00 246
    2018-05-01 $157,000 (3.9%) $218,190 (-2.5%) 0.00 252
    2018-06-01 $170,450 (6.9%) $233,809 (3.4%) 0.00 287
    2018-07-01 $179,600 (10.5%) $238,882 (-4.9%) 0.00 308
    2018-08-01 $176,075 (8.4%) $244,804 (-0.9%) 0.00 298
    2018-09-01 $169,900 (6.3%) $244,886 (1.1%) 0.00 289
    2018-10-01 $172,100 (14.8%) $246,696 (5.6%) 0.00 289
    2018-11-01 $173,000 (15.8%) $252,684 (7.3%) 0.00 275
    2018-12-01 $166,500 (19.0%) $252,895 (17.1%) 0.00 249
    2019-01-01 $159,800 (23.0%) $242,636 (23.1%) 0.00 210
    2019-02-01 $159,950 (14.8%) $249,601 (16.8%) 0.00 194
    2019-03-01 $178,471 (27.6%) $265,223 (25.4%) 0.00 202
    2019-04-01 $193,425 (31.4%) $279,724 (29.9%) 0.00 221
    2019-05-01 $195,675 (24.6%) $272,060 (24.7%) 0.00 246
    2019-06-01 $189,900 (11.4%) $269,944 (15.5%) 0.00 276
    2019-07-01 $204,850 (14.1%) $280,111 (17.3%) 0.00 273
    2019-08-01 $203,336 (15.5%) $281,775 (15.1%) 0.00 268
    2019-09-01 $198,591 (16.9%) $282,465 (15.4%) 0.00 260
    2019-10-01 $194,900 (13.3%) $280,832 (13.8%) 0.00 251
    2019-11-01 $179,450 (3.7%) $272,041 (7.7%) 0.00 246
    2019-12-01 $169,900 (2.0%) $256,487 (1.4%) 0.00 221
    2020-01-01 $165,750 (3.7%) $256,247 (5.6%) 0.00 193
    2020-02-01 $174,900 (9.4%) $251,172 (0.6%) 0.00 189
    2020-03-01 $179,900 (0.8%) $260,687 (-1.7%) 0.00 172
    2020-04-01 $179,300 (-7.3%) $261,363 (-6.6%) 0.00 160
    2020-05-01 $189,900 (-3.0%) $278,846 (2.5%) 0.00 163
    2020-06-01 $214,900 (13.2%) $294,596 (9.1%) 0.00 180
    2020-07-01 $216,950 (5.9%) $297,759 (6.3%) 0.00 182
    2020-08-01 $219,900 (8.2%) $295,030 (4.7%) 0.00 152
    2020-09-01 $189,425 (-4.6%) $281,060 (-0.5%) 0.00 150
    2020-10-01 $182,400 (-6.4%) $302,198 (7.6%) 0.00 145
    2020-11-01 $179,850 (0.2%) $301,752 (10.9%) 0.00 128
    2020-12-01 $154,325 (-9.2%) $284,822 (11.1%) 0.00 128
    2021-01-01 $164,900 (-0.5%) $299,487 (16.9%) 0.00 98
    2021-02-01 $156,950 (-10.3%) $319,822 (27.3%) 0.00 84
    2021-03-01 $177,375 (-1.4%) $346,860 (33.1%) 0.00 82
    2021-04-01 $216,975 (21.0%) $351,332 (34.4%) 0.00 83
    2021-05-01 $214,900 (13.2%) $334,418 (19.9%) 0.00 93
    2021-06-01 $199,450 (-7.2%) $324,052 (10.0%) 0.00 102
    2021-07-01 $197,450 (-9.0%) $303,317 (1.9%) 0.00 122
    2021-08-01 $237,400 (8.0%) $330,142 (11.9%) 0.00 104
    2021-09-01 $222,200 (17.3%) $335,503 (19.4%) 0.00 114
    2021-10-01 $227,450 (24.7%) $344,928 (14.1%) 0.00 117
    2021-11-01 $215,925 (20.1%) $297,052 (-1.6%) 0.00 88
    2021-12-01 $196,945 (27.6%) $260,471 (-8.6%) 0.00 82
    2022-01-01 $179,900 (9.1%) $266,644 (-11.0%) 0.00 75
    2022-02-01 $159,900 (1.9%) $262,686 (-17.9%) 0.00 66
    2022-03-01 $166,450 (-6.2%) $232,556 (-33.0%) 0.00 58
    2022-04-01 $194,900 (-10.2%) $276,020 (-21.4%) 0.00 78
    2022-05-01 $205,450 (-4.4%) $303,750 (-9.2%) 0.00 91
    2022-06-01 $216,425 (8.5%) $317,547 (-2.0%) 0.00 95
    2022-07-01 $202,250 (2.4%) $316,294 (4.3%) 0.00 116
    2022-08-01 $217,450 (-8.4%) $333,045 (0.9%) 0.00 125
    2022-09-01 $191,175 (-14.0%) $324,875 (-3.2%) 0.00 127
    2022-10-01 $189,900 (-16.5%) $332,016 (-3.7%) 0.00 123
    2022-11-01 $196,175 (-9.2%) $340,827 (14.7%) 0.00 109
    2022-12-01 $199,900 (1.5%) $322,659 (23.9%) 0.00 95
    2023-01-01 $186,100 (3.5%) $309,843 (16.2%) 0.00 71
    2023-02-01 $189,900 (18.8%) $305,410 (16.3%) 0.00 62
    2023-03-01 $210,375 (26.4%) $375,924 (61.7%) 0.00 53
    2023-04-01 $265,000 (36.0%) $409,868 (48.5%) 0.00 54
    2023-05-01 $235,700 (14.7%) $393,021 (29.4%) 0.00 55
    2023-06-01 $237,475 (9.7%) $360,770 (13.6%) 0.00 61
    2023-07-01 $234,950 (16.2%) $343,902 (8.7%) 0.00 80
    2023-08-01 $242,125 (11.4%) $341,057 (2.4%) 0.00 91
    2023-09-01 $239,950 (25.5%) $385,186 (18.6%) 0.00 102
    2023-10-01 $238,250 (25.5%) $395,504 (19.1%) 0.00 89
    2023-11-01 $223,563 (14.0%) $365,739 (7.3%) 0.00 85
    2023-12-01 $199,950 (0.0%) $353,327 (9.5%) 0.00 86
    2024-01-01 $204,725 (10.0%) $369,874 (19.4%) 0.00 69
    2024-02-01 $214,925 (13.2%) $386,764 (26.6%) 0.00 62
    2024-03-01 $224,900 (6.9%) $330,814 (-12.0%) 0.00 59
    2024-04-01 $274,900 (3.7%) $371,389 (-9.4%) 0.00 51
    2024-05-01 $295,750 (25.5%) $439,934 (11.9%) 0.00 68
    2024-06-01 $299,900 (26.3%) $457,988 (27.0%) 0.00 77
    2024-07-01 $289,675 (23.3%) $427,812 (24.4%) 0.00 85
    2024-08-01 $284,900 (17.7%) $421,199 (23.5%) 0.00 101
    2024-09-01 $289,450 (20.6%) $427,674 (11.0%) 0.00 103
    2024-10-01 $284,925 (19.6%) $408,670 (3.3%) 0.00 101
    2024-11-01 $249,000 (11.4%) $389,843 (6.6%) 0.00 100
    2024-12-01 $244,950 (22.5%) $383,250 (8.5%) 0.00 93
    2025-01-01 $251,150 (22.7%) $402,625 (8.9%) 0.00 77
    2025-02-01 $273,425 (27.2%) $408,701 (5.7%) 0.00 79
    2025-03-01 $271,950 (20.9%) $437,360 (32.2%) 0.00 65
    2025-04-01 $301,775 (9.8%) $387,174 (4.3%) 0.00 77
    2025-05-01 $375,000 (26.8%) $455,934 (3.6%) 0.00 87
    Auburn's median listing price for 2025-05-01 was $375,000, a difference of $79,250 (26.8%) versus the prior year and $73,225 versus the prior month.

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

    Auburn's average listing price for 2025-05-01 was $455,934, a difference of $16,000 (3.6%) versus the prior year and $68,760 versus the prior month.

    For the 2025-05-01 period, Auburn had 87 MLS listings, a difference of 10 listings (13%) versus the prior month and 19 listings (28%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Auburn (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,713 sqft
    2018-02-01 0 days 1,680 sqft
    2018-03-01 0 days 1,719 sqft
    2018-04-01 0 days 1,719 sqft
    2018-05-01 0 days 1,705 sqft
    2018-06-01 0 days 1,700 sqft
    2018-07-01 0 days 1,727 sqft
    2018-08-01 0 days 1,710 sqft
    2018-09-01 0 days 1,693 sqft
    2018-10-01 0 days 1,666 sqft
    2018-11-01 0 days 1,695 sqft
    2018-12-01 0 days 1,716 sqft
    2019-01-01 0 days 1,680 sqft
    2019-02-01 0 days 1,689 sqft
    2019-03-01 0 days 1,778 sqft
    2019-04-01 0 days 1,838 sqft
    2019-05-01 0 days 1,735 sqft
    2019-06-01 0 days 1,693 sqft
    2019-07-01 0 days 1,691 sqft
    2019-08-01 0 days 1,734 sqft
    2019-09-01 0 days 1,774 sqft
    2019-10-01 0 days 1,797 sqft
    2019-11-01 0 days 1,792 sqft
    2019-12-01 0 days 1,744 sqft
    2020-01-01 0 days 1,786 sqft
    2020-02-01 0 days 1,763 sqft
    2020-03-01 0 days 1,780 sqft
    2020-04-01 0 days 1,746 sqft
    2020-05-01 0 days 1,829 sqft
    2020-06-01 0 days 1,854 sqft
    2020-07-01 0 days 1,827 sqft
    2020-08-01 0 days 1,855 sqft
    2020-09-01 0 days 1,864 sqft
    2020-10-01 0 days 1,878 sqft
    2020-11-01 0 days 1,783 sqft
    2020-12-01 0 days 1,662 sqft
    2021-01-01 0 days 1,640 sqft
    2021-02-01 0 days 1,646 sqft
    2021-03-01 0 days 1,693 sqft
    2021-04-01 0 days 1,709 sqft
    2021-05-01 0 days 1,712 sqft
    2021-06-01 0 days 1,769 sqft
    2021-07-01 0 days 1,828 sqft
    2021-08-01 0 days 1,883 sqft
    2021-09-01 0 days 1,752 sqft
    2021-10-01 0 days 1,792 sqft
    2021-11-01 0 days 1,761 sqft
    2021-12-01 0 days 1,686 sqft
    2022-01-01 0 days 1,693 sqft
    2022-02-01 0 days 1,678 sqft
    2022-03-01 0 days 1,733 sqft
    2022-04-01 0 days 1,789 sqft
    2022-05-01 0 days 1,768 sqft
    2022-06-01 0 days 1,842 sqft
    2022-07-01 0 days 1,698 sqft
    2022-08-01 0 days 1,821 sqft
    2022-09-01 0 days 1,759 sqft
    2022-10-01 0 days 1,840 sqft
    2022-11-01 0 days 1,879 sqft
    2022-12-01 0 days 1,808 sqft
    2023-01-01 0 days 1,689 sqft
    2023-02-01 0 days 1,778 sqft
    2023-03-01 0 days 1,864 sqft
    2023-04-01 0 days 1,936 sqft
    2023-05-01 0 days 1,689 sqft
    2023-06-01 0 days 1,736 sqft
    2023-07-01 0 days 1,683 sqft
    2023-08-01 0 days 1,775 sqft
    2023-09-01 0 days 1,872 sqft
    2023-10-01 0 days 1,733 sqft
    2023-11-01 0 days 1,812 sqft
    2023-12-01 0 days 1,882 sqft
    2024-01-01 0 days 1,753 sqft
    2024-02-01 0 days 1,782 sqft
    2024-03-01 0 days 1,728 sqft
    2024-04-01 0 days 1,677 sqft
    2024-05-01 0 days 1,761 sqft
    2024-06-01 0 days 1,954 sqft
    2024-07-01 0 days 1,757 sqft
    2024-08-01 0 days 1,672 sqft
    2024-09-01 0 days 1,650 sqft
    2024-10-01 0 days 1,707 sqft
    2024-11-01 0 days 1,749 sqft
    2024-12-01 0 days 1,746 sqft
    2025-01-01 0 days 1,783 sqft
    2025-02-01 0 days 1,732 sqft
    2025-03-01 0 days 1,710 sqft
    2025-04-01 0 days 1,800 sqft
    2025-05-01 0 days 1,862 sqft
    Auburn's median listing age (time on market) for 2025-05-01 was 0 days.

    Auburn's median square footage for active listings during the 2025-05-01 period was 1,862 sqft. One year prior, the average listing was 1,761 sqft.

    Auburn, NY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 573 $115,455,000 $201,492
    Home Improvement 221 $15,305,000 $69,253
    Other 157 $11,785,000 $75,064
    Cash Out Refi 119 $17,425,000 $146,429
    Refi 114 $17,600,000 $154,386

    Auburn's most frequently cited loan purpose was Home Purchase, with 573 originations. The 2nd most popular reason was Home Improvement, with 221 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 439 $79,645,000 $181,424
    7-8% 246 $37,750,000 $153,455
    Over 8% 183 $16,265,000 $88,880
    5-6% 123 $19,215,000 $156,220
    3-4% 47 $3,905,000 $83,085
    <2.5% 13 $395,000 $30,385
    4-5% 12 $1,500,000 $125,000
    2.5-3% 1 $125,000 $125,000

    During 2024, Auburn's most frequently originated rate bucket was 6-7%, with 439 originations.

    Loan Sizing (Auburn, NY MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 507 $27,175,000 $53,600
    $100k-200k 414 $60,040,000 $145,024
    $200k-400k 203 $54,785,000 $269,877
    $400k-600k 40 $19,710,000 $492,750
    $600k-1000k 16 $11,300,000 $706,250
    $Over $1MM 4 $4,560,000 $1,140,000

    Auburn's loan sizing saw the bucket of loans from $100,000 or less with 507 originations, totaling $27,175,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 375 $75,935,000 $202,493
    20-40% 210 $16,760,000 $79,810
    60-80% 188 $40,420,000 $215,000
    Under 20% 176 $6,330,000 $35,966
    40-60% 103 $17,325,000 $168,204
    Over 100% 6 $1,540,000 $256,667

    Auburn's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 375 originations, totaling $75,935,000 in origination value.