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 6.91% for the week of 2023-11-22, compared to the national average of 7.29% for the same period.

    The average rate for the prior week (2023-11-16) was 7.26% and one month ago for the week of 2023-10-19, the average rate was 7.05%.

    Auburn's average rate one year ago was 6.43%.

    For refis of the same type during the week of 2023-11-22, the average rate was 7.29%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-11-22 7.29%
    Auburn 30 Year Fixed Rate 2023-11-22 6.91%
    Auburn 30 Year Fixed Rate Refi 2023-11-22 7.29%
    Auburn 15 Year Fixed Rate 2023-11-22 6.47%
    Auburn 15 Year Fixed Rate Refi 2023-11-22 6.77%
    Auburn 30 Year FHA 2023-11-22 -0.75%
    Auburn 30 Year FHA Refi 2023-11-22 -0.2%
    Auburn 30 Year USDA 2023-11-22 -0.2%
    Auburn 30 Year USDA Refi 2023-11-22 -0.2%
    Auburn 30 Year VA 2023-11-22 -0.2%
    Auburn 30 Year VA Refi 2023-11-22 0.2%
    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    The Lyons National Bank 70 4.70% $5,127
    Genesee Regional Bank 52 5.29% $4,296
    AMERICU Credit Union 31 4.79% $4,171
    Tompkins Trust Company 24 4.46% $3,409
    PARAGON HOME LOANS INC. 22 5.05% $4,913
    QUICKEN LOANS, LLC 22 5.11% $5,770
    KeyBank 21 5.02% $3,269
    Empower Federal Credit Union 17 4.42% $4,247
    Community Bank 17 5.35% $1,288
    1ST PRIORITY MORTGAGE, INC. 12 4.62% $4,938
    M&T Bank 12 4.79% $5,304
    JPMorgan Chase Bank 11 5.00% $5,144
    CFCU Community Credit Union 11 4.00% $512
    Wells Fargo Bank 10 5.34% $4,231
    UNITED WHOLESALE MORTGAGE, LLC 9 5.32% $9,312
    NBT Bank 8 4.41% $3,774
    Premium Mortgage Corporation 7 5.29% $4,062
    SEFCU SERVICES, LLC 7 4.07% $3,470
    HUNT MORTGAGE CORPORATION 6 5.04% $5,681
    PLAZA HOME MORTGAGE, INC. 6 4.30% $6,094
    Elmira Savings Bank 5 3.30% $2,938
    VISIONS 5 3.68% $3,301
    Chemung Canal Trust Company 4 4.28% $3,249
    Mr. Cooper ( Nationstar Mortgage ) 4 5.47% $7,688
    PRIMELENDING, A PLAINSCAPITAL COMPANY 4 6.19% $3,910
    Farm Credit East, ACA 4 5.36% $6,150
    HOMESTEAD FUNDING CORP. 3 5.92% $6,136
    MOVEMENT MORTGAGE, LLC 3 4.31% $5,213
    Geddes Federal Savings and Loan Association 3 4.88% $5,247
    THE SUMMIT Federal Credit Union 2 6.94% $2,723
    NORTHERN CREDIT UNION 2 3.75% $3,628
    NAVY FEDERAL CREDIT UNION 2 6.25% $3,099
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 4.87% $4,793
    Northpointe Bank 1 3.49% $4,961
    AgFirst Farm Credit Bank 1 4.63% $6,897
    Ally Bank 1 5.13% $6,430
    AMERICAN FINANCING CORPORATION 1 3.50% $5,225
    Bank of America 1 4.63% $4,100
    Berkshire Bank 1 3.00% $3,914
    Bethpage Federal Credit Union 1 6.00% $6,002
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 5.99% $5,337
    FINANCE OF AMERICA MORTGAGE LLC 1 9.88% $5,370
    FIRST HERITAGE FEDERAL CREDIT UNION 1 5.25% $2,613
    Five Star Bank 1 4.50% $3,061
    GUARANTEED RATE AFFINITY, LLC 1 5.40% $128
    GUARANTEED RATE, INC. 1 3.99% $6,111
    HOME TOWN FUNDING, INC. 1 6.75% $1,997
    MID-HUDSON VALLEY 1 5.38% $3,093
    Morgan Stanley Private Bank 1 5.30% $4,722
    MORTGAGE ACCESS CORP. 1 3.88% $4,844
    Northwest Bank 1 3.88% $4,986
    Pathfinder Bank 1 3.38% $2,624
    RELIANCE FIRST CAPITAL, LLC 1 5.88% $4,009
    RELIANT COMMUNITY FEDERAL CREDIT UNION 1 6.50% $5,957
    Stifel Bank and Trust 1 4.00% $4,737
    TD Bank 1 5.13% $3,454
    The Huntington National Bank 1 4.50% $5,019
    TOGETHER CREDIT UNION 1 3.00% $4,028
    United Nations Federal Credit Union 1 4.62% $4,842
    U.S. Bank 1 4.99% $4,232

    Auburn Average Closing Costs & Other Stats

    Auburn, NY's 60 lenders originated 1,402 loans during 2022. The total origination value was $202,390,000, with an average loan value of $144,358.

    Auburn's average closing costs are $4,484.

    The top Auburn lender as defined by loan originations is The Lyons National Bank, with 70 loans originated. Their average total fees are $5,127, which is $831 higher than the next largest lender, Genesee Regional Bank.

    The lowest fee Auburn lenders (with over 10 loans originated) are CFCU Community Credit Union ($512), Community Bank ($1,288), KeyBank ($3,269), Tompkins Trust Company ($3,409) and AMERICU Credit Union ($4,171).

    The lowest rate Auburn lenders (with over 10 loans originated) are CFCU Community Credit Union (4.00%), Empower Federal Credit Union (4.42%), Tompkins Trust Company (4.46%), 1ST PRIORITY MORTGAGE, INC. (4.62%) and The Lyons National Bank (4.70%).

    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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    The Lyons National Bank $30,610,000 $23,460,000 -23.4% 11.6%
    AMERICU Credit Union $12,895,000 $12,775,000 -0.9% 6.3%
    Genesee Regional Bank $7,675,000 $12,515,000 63.1% 6.2%
    KeyBank $23,045,000 $11,910,000 -48.3% 5.9%
    Empower Federal Credit Union $11,110,000 $11,070,000 -0.4% 5.5%
    QUICKEN LOANS, LLC $26,435,000 $10,255,000 -61.2% 5.1%
    M&T Bank $7,495,000 $7,585,000 1.2% 3.7%
    Community Bank $6,755,000 $5,575,000 -17.5% 2.8%
    PARAGON HOME LOANS INC. $11,710,000 $5,495,000 -53.1% 2.7%
    Tompkins Trust Company $9,780,000 $5,280,000 -46.0% 2.6%
    JPMorgan Chase Bank $3,135,000 $4,540,000 44.8% 2.2%
    PLAZA HOME MORTGAGE, INC. $6,370,000 $4,470,000 -29.8% 2.2%
    UNITED WHOLESALE MORTGAGE, LLC $3,275,000 $4,200,000 28.2% 2.1%
    1ST PRIORITY MORTGAGE, INC. $3,995,000 $3,550,000 -11.1% 1.8%
    NBT Bank $2,535,000 $3,215,000 26.8% 1.6%
    CFCU Community Credit Union $6,180,000 $3,130,000 -49.4% 1.5%
    Chemung Canal Trust Company $4,155,000 $2,885,000 -30.6% 1.4%
    Wells Fargo Bank $3,895,000 $2,840,000 -27.1% 1.4%
    VISIONS $1,965,000 $2,575,000 31.0% 1.3%
    Farm Credit East, ACA $1,605,000 $2,270,000 41.4% 1.1%
    SEFCU SERVICES, LLC $1,765,000 $2,130,000 20.7% 1.1%
    MOVEMENT MORTGAGE, LLC $3,555,000 $2,080,000 -41.5% 1.0%
    Premium Mortgage Corporation $2,375,000 $2,010,000 -15.4% 1.0%
    Geddes Federal Savings and Loan Association $2,340,000 $1,945,000 -16.9% 1.0%
    HUNT MORTGAGE CORPORATION $1,250,000 $1,895,000 51.6% 0.9%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $1,905,000 $1,870,000 -1.8% 0.9%
    Fulton Savings Bank $1,170,000 $1,600,000 36.8% 0.8%
    HOMESTEAD FUNDING CORP. $2,970,000 $1,485,000 -50.0% 0.7%
    HOME TOWN FUNDING, INC. $1,685,000 $1,350,000 -19.9% 0.7%
    Pathfinder Bank $1,040,000 $1,275,000 22.6% 0.6%
    Mr. Cooper ( Nationstar Mortgage ) $1,390,000 $1,225,000 -11.9% 0.6%
    Elmira Savings Bank $3,780,000 $1,200,000 -68.3% 0.6%
    THE SUMMIT Federal Credit Union $1,185,000 $1,040,000 -12.2% 0.5%
    Generations Bank $2,290,000 $1,015,000 -55.7% 0.5%
    Citizens Bank $730,000 $1,010,000 38.4% 0.5%
    21ST MORTGAGE CORPORATION $565,000 $990,000 75.2% 0.5%
    LOANDEPOT.COM, LLC $815,000 $950,000 16.6% 0.5%
    Barrington Bank & Trust Company, N.A. $540,000 $920,000 70.4% 0.5%
    Mortgage Research Center, LLC $3,455,000 $810,000 -76.6% 0.4%
    Seneca Savings $1,050,000 $710,000 -32.4% 0.4%
    NAVY FEDERAL CREDIT UNION $1,700,000 $690,000 -59.4% 0.3%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $690,000 $665,000 -3.6% 0.3%
    NORTHERN CREDIT UNION $95,000 $665,000 600.0% 0.3%
    USAA Federal Savings Bank $570,000 $635,000 11.4% 0.3%
    CORNING $575,000 n/a 0.3%
    STATE EMPLOYEES FEDERAL CREDIT UNION $245,000 $550,000 124.5% 0.3%
    Five Star Bank $1,410,000 $530,000 -62.4% 0.3%
    Wayne Bank $950,000 $490,000 -48.4% 0.2%
    NEWREZ LLC $1,825,000 $480,000 -73.7% 0.2%
    TOGETHER CREDIT UNION $455,000 n/a 0.2%
    Bank of America $1,510,000 $435,000 -71.2% 0.2%
    RELIANCE FIRST CAPITAL, LLC $435,000 n/a 0.2%
    CROSSCOUNTRY MORTGAGE, LLC $155,000 $420,000 171.0% 0.2%
    Carrington Mortgage Services, LLC $870,000 $400,000 -54.0% 0.2%
    Northpointe Bank $355,000 n/a 0.2%
    AMERICAN FINANCING CORPORATION $875,000 $345,000 -60.6% 0.2%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $345,000 n/a 0.2%
    OSWEGO COUNTY $65,000 $335,000 415.4% 0.2%
    Solvay Bank $2,040,000 $335,000 -83.6% 0.2%
    Stifel Bank and Trust $335,000 n/a 0.2%
    TD Bank $1,260,000 $335,000 -73.4% 0.2%
    City National Bank $145,000 $325,000 124.1% 0.2%
    Northwest Bank $325,000 n/a 0.2%
    UTILITIES EMPLOYEES CREDIT UNION $310,000 n/a 0.2%
    The Bank of Greene County $305,000 n/a 0.2%
    AgFirst Farm Credit Bank $295,000 n/a 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $295,000 n/a 0.1%
    The Huntington National Bank $295,000 n/a 0.1%
    Morgan Stanley Private Bank $425,000 $285,000 -32.9% 0.1%
    Berkshire Bank $150,000 $280,000 86.7% 0.1%
    RELIANT COMMUNITY FEDERAL CREDIT UNION $345,000 $260,000 -24.6% 0.1%
    The Canandaigua National Bank and Trust Company $1,895,000 $255,000 -86.5% 0.1%
    U.S. Bank $805,000 $255,000 -68.3% 0.1%
    Bank of England $250,000 n/a 0.1%
    CALIBER HOME LOANS, INC. $820,000 $250,000 -69.5% 0.1%
    MLD MORTGAGE INC. $245,000 n/a 0.1%
    PENTAGON FEDERAL CREDIT UNION $310,000 $245,000 -21.0% 0.1%
    The Federal Savings Bank $245,000 n/a 0.1%
    LIMA ONE CAPITAL, LLC $155,000 $235,000 51.6% 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $255,000 $230,000 -9.8% 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $270,000 $215,000 -20.4% 0.1%
    LONGBRIDGE FINANCIAL, LLC $215,000 n/a 0.1%
    GUARANTEED RATE AFFINITY, LLC $205,000 n/a 0.1%
    United Nations Federal Credit Union $205,000 n/a 0.1%
    East Coast Capital Corp. $85,000 $200,000 135.3% 0.1%
    VELOCITY COMMERCIAL CAPITAL, LLC $200,000 n/a 0.1%
    Ally Bank $195,000 n/a 0.1%
    SECNY Federal Credit Union $385,000 $175,000 -54.5% 0.1%
    Tioga State Bank $205,000 $175,000 -14.6% 0.1%
    US MORTGAGE CORPORATION $175,000 n/a 0.1%
    SILVER HILL FUNDING, LLC $165,000 n/a 0.1%
    The National Bank of Coxsackie $115,000 $165,000 43.5% 0.1%
    MORTGAGE ACCESS CORP. $155,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $525,000 $150,000 -71.4% 0.1%
    FINANCE OF AMERICA REVERSE LLC $135,000 $145,000 7.4% 0.1%
    GUARANTEED RATE, INC. $115,000 $145,000 26.1% 0.1%
    ALLIED MORTGAGE GROUP, INC. $135,000 n/a 0.1%
    FINANCE OF AMERICA MORTGAGE LLC $125,000 n/a 0.1%
    Third Federal Savings and Loan Association of Cleveland $125,000 n/a 0.1%
    Flagstar Bank, FSB $155,000 $115,000 -25.8% 0.1%
    MID-HUDSON VALLEY $115,000 n/a 0.1%
    Nations Lending Corporation $115,000 n/a 0.1%
    Discover Bank $105,000 $110,000 4.8% 0.1%
    Charles Schwab Bank, SSB $105,000 n/a 0.1%
    FAMILY FIRST OF NY $105,000 n/a 0.1%
    CAPITAL COMMUNICATIONS Federal Credit Union $55,000 $95,000 72.7% 0.0%
    Bethpage Federal Credit Union $280,000 $85,000 -69.6% 0.0%
    FIRST HERITAGE FEDERAL CREDIT UNION $65,000 n/a 0.0%
    Deere Employees Credit Union $55,000 n/a 0.0%
    TRIAD FINANCIAL SERVICES, INC. $85,000 $50,000 -41.2% 0.0%
    Advantage Federal Credit Union $35,000 n/a 0.0%
    AMERICAN ADVISORS GROUP $35,000 $35,000 0.0% 0.0%

    Auburn's top lender by overall market share is The Lyons National Bank, with 11.6% market share. In second place, with 6.3%, is AMERICU Credit Union, having originated $12,775,000 in loans. In third place, with 6.2%, is Genesee Regional Bank, having originated $12,515,000 in loans. In fourth place, with 5.9%, is KeyBank, having originated $11,910,000 in loans. In fifth place, with 5.5%, is Empower Federal Credit Union, having originated $11,070,000 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 (-4.1%) $197,170 (-1.2%) 0.00 253
    2018-02-01 $139,450 (-0.3%) $214,134 (7.7%) 0.00 250
    2018-03-01 $139,900 (-1.3%) $212,323 (1.5%) 0.00 234
    2018-04-01 $147,575 (-1.0%) $216,022 (-0.4%) 0.00 247
    2018-05-01 $157,625 (4.3%) $218,887 (-2.2%) 0.00 253
    2018-06-01 $174,950 (9.7%) $234,655 (3.8%) 0.00 291
    2018-07-01 $179,900 (10.2%) $239,623 (-4.8%) 0.00 312
    2018-08-01 $179,800 (10.7%) $245,507 (-0.9%) 0.00 302
    2018-09-01 $171,200 (7.1%) $245,090 (1.0%) 0.00 294
    2018-10-01 $173,500 (15.7%) $246,839 (5.4%) 0.00 294
    2018-11-01 $173,000 (15.8%) $253,104 (7.1%) 0.00 278
    2018-12-01 $167,750 (19.9%) $253,396 (16.8%) 0.00 252
    2019-01-01 $159,900 (23.1%) $242,634 (23.1%) 0.00 212
    2019-02-01 $159,950 (14.7%) $249,530 (16.5%) 0.00 196
    2019-03-01 $178,471 (27.6%) $264,080 (24.4%) 0.00 204
    2019-04-01 $192,150 (30.2%) $278,229 (28.8%) 0.00 223
    2019-05-01 $194,150 (23.2%) $270,782 (23.7%) 0.00 248
    2019-06-01 $189,900 (8.6%) $269,475 (14.8%) 0.00 277
    2019-07-01 $202,688 (12.7%) $279,605 (16.7%) 0.00 274
    2019-08-01 $202,591 (12.7%) $281,239 (14.6%) 0.00 269
    2019-09-01 $198,265 (15.8%) $281,894 (15.0%) 0.00 261
    2019-10-01 $194,600 (12.2%) $280,231 (13.5%) 0.00 252
    2019-11-01 $179,450 (3.7%) $272,041 (7.5%) 0.00 246
    2019-12-01 $169,900 (1.3%) $256,487 (1.2%) 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 (0.7%) 0.00 189
    2020-03-01 $179,900 (0.8%) $260,687 (-1.3%) 0.00 172
    2020-04-01 $179,300 (-6.7%) $261,363 (-6.1%) 0.00 160
    2020-05-01 $189,900 (-2.2%) $278,846 (3.0%) 0.00 163
    2020-06-01 $214,900 (13.2%) $294,596 (9.3%) 0.00 180
    2020-07-01 $216,950 (7.0%) $297,759 (6.5%) 0.00 182
    2020-08-01 $219,900 (8.5%) $295,030 (4.9%) 0.00 152
    2020-09-01 $189,425 (-4.5%) $281,060 (-0.3%) 0.00 150
    2020-10-01 $182,400 (-6.3%) $302,198 (7.8%) 0.00 145
    2020-11-01 $179,875 (0.2%) $301,615 (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 $223,450 (18.0%) $335,874 (19.5%) 0.00 114
    2021-10-01 $229,900 (26.0%) $344,928 (14.1%) 0.00 117
    2021-11-01 $215,925 (20.0%) $297,052 (-1.5%) 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 (-14.4%) $324,875 (-3.3%) 0.00 127
    2022-10-01 $189,900 (-17.4%) $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 $241,650 (11.1%) $331,305 (-0.5%) 0.00 91
    2023-09-01 $239,950 (25.5%) $385,186 (18.6%) 0.00 102
    2023-10-01 $237,500 (25.1%) $387,659 (16.8%) 0.00 88
    Auburn's median listing price for 2023-10-01 was $237,500, a difference of $47,600 (25.1%) versus the prior year and $-2,450 versus the prior month.

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

    Auburn's average listing price for 2023-10-01 was $387,659, a difference of $55,643 (16.8%) versus the prior year and $2,473 versus the prior month.

    For the 2023-10-01 period, Auburn had 88 MLS listings, a difference of -14 listings (-14%) versus the prior month and -35 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 1,721 sqft
    2018-04-01 0 days 1,720 sqft
    2018-05-01 0 days 1,714 sqft
    2018-06-01 0 days 1,695 sqft
    2018-07-01 0 days 1,718 sqft
    2018-08-01 0 days 1,700 sqft
    2018-09-01 0 days 1,675 sqft
    2018-10-01 0 days 1,657 sqft
    2018-11-01 0 days 1,692 sqft
    2018-12-01 0 days 1,708 sqft
    2019-01-01 0 days 1,680 sqft
    2019-02-01 0 days 1,689 sqft
    2019-03-01 0 days 1,777 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 1,692 sqft
    2019-08-01 0 days 1,737 sqft
    2019-09-01 0 days 1,779 sqft
    2019-10-01 0 days 1,801 sqft
    2019-11-01 0 days 1,800 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 1,817 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 1,785 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 1,763 sqft
    2021-07-01 0 days 1,824 sqft
    2021-08-01 0 days 1,868 sqft
    2021-09-01 0 days 1,746 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 1,788 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 1,722 sqft
    Auburn's median listing age (time on market) for 2023-10-01 was 0 days.

    Auburn's median square footage for active listings during the 2023-10-01 period was 1,722 sqft. One year prior, the average listing was 1,840 sqft.

    Auburn, NY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 657 $117,165,000 $178,333
    Cash Out Refi 217 $31,315,000 $144,309
    Home Improvement 214 $15,900,000 $74,299
    Refi 198 $27,950,000 $141,162
    Other 116 $10,060,000 $86,724

    Auburn's most frequently cited loan purpose was Home Purchase, with 657 originations. The 2nd most popular reason was Cash Out Refi, with 217 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 346 $45,990,000 $132,919
    5-6% 307 $46,375,000 $151,059
    4-5% 277 $44,535,000 $160,776
    6-7% 105 $14,585,000 $138,905
    2.5-3% 90 $14,430,000 $160,333
    <2.5% 84 $9,650,000 $114,881
    7-8% 37 $4,125,000 $111,486
    Over 8% 28 $1,970,000 $70,357

    During 2022, Auburn's most frequently originated rate bucket was 3-4%, with 346 originations.

    Loan Sizing (Auburn, NY MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 583 $82,075,000 $140,780
    $100,000 or less 530 $30,980,000 $58,453
    $200k-400k 243 $64,035,000 $263,519
    $400k-600k 35 $16,925,000 $483,571
    $600k-1000k 9 $6,285,000 $698,333
    $Over $1MM 2 $2,090,000 $1,045,000

    Auburn's loan sizing saw the bucket of loans from $100k-200k with 583 originations, totaling $82,075,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 488 $87,930,000 $180,184
    60-80% 334 $55,380,000 $165,808
    20-40% 184 $13,330,000 $72,446
    40-60% 139 $19,195,000 $138,094
    Under 20% 124 $4,350,000 $35,081
    Over 100% 7 $1,305,000 $186,429

    Auburn's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 488 originations, totaling $87,930,000 in origination value.