Auburn 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 Auburn averaged 6.98% for the week of 2024-04-18, compared to the national average of 7.1% for the same period.

    The average rate for the prior week (2024-04-11) was 6.66% and one month ago for the week of 2024-03-14, the average rate was 6.62%.

    Auburn's average rate one year ago was 6.35%.

    For refis of the same type during the week of 2024-04-18, the average rate was 7.5%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-04-18 7.1%
    Auburn 30 Year Fixed Rate 2024-04-18 6.98%
    Auburn 30 Year Fixed Rate Refi 2024-04-18 7.5%
    Auburn 15 Year Fixed Rate 2024-04-18 6.59%
    Auburn 15 Year Fixed Rate Refi 2024-04-18 6.49%
    Auburn 30 Year FHA 2024-04-18 6.55%
    Auburn 30 Year FHA Refi 2024-04-18 6.76%
    Auburn 30 Year USDA 2024-04-18 7.06%
    Auburn 30 Year USDA Refi 2024-04-18 6.66%
    Auburn 30 Year VA 2024-04-18 6.86%
    Auburn 30 Year VA Refi 2024-04-18 6.96%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    The Lyons National Bank 75 6.64% $4,570
    Genesee Regional Bank 40 6.78% $4,489
    Community Bank 25 7.05% $977
    QUICKEN LOANS, LLC 21 6.99% $6,787
    Empower Federal Credit Union 18 6.52% $2,934
    KeyBank 14 7.11% $3,593
    CFCU Community Credit Union 10 5.68% $529
    PARAGON HOME LOANS INC. 10 6.68% $4,554
    M&T Bank 10 6.74% $5,458
    Tompkins Trust Company 10 6.19% $3,365
    UNITED WHOLESALE MORTGAGE, LLC 9 6.23% $8,450
    Farm Credit East, ACA 7 7.55% $5,345
    AMERICU Credit Union 7 5.66% $3,818
    Premium Mortgage Corporation 6 7.19% $4,873
    1ST PRIORITY MORTGAGE, INC. 5 6.35% $4,362
    JPMorgan Chase Bank 5 6.42% $5,713
    MOVEMENT MORTGAGE, LLC 5 6.92% $4,978
    NBT Bank 5 6.73% $4,548
    SEFCU SERVICES, LLC 5 4.95% $2,885
    HUNT MORTGAGE CORPORATION 4 6.53% $6,482
    Wells Fargo Bank 4 7.16% $6,818
    PLAZA HOME MORTGAGE, INC. 4 6.84% $6,068
    Geddes Federal Savings and Loan Association 4 5.88% $4,874
    Chemung Canal Trust Company 3 6.50% $2,078
    Mr. Cooper ( Nationstar Mortgage ) 2 7.24% $7,353
    US MORTGAGE CORPORATION 2 6.49% $8,055
    HOMESTEAD FUNDING CORP. 2 6.25% $2,567
    Citizens Bank 2 6.19% $4,587
    SECNY Federal Credit Union 2 5.95% $3,137
    21ST MORTGAGE CORPORATION 2 7.65% $5,739
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 7.31% $8,406
    The Federal Savings Bank 1 7.75% $10,316
    ASSOCIATED MORTGAGE BANKERS, INC. 1 5.88% $7,775
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.88% $7,210
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.63% $7,962
    Five Star Bank 1 6.88% $2,840
    GPO Federal Credit Union 1 6.63% $3,051
    Discover Bank 1 7.74% $0
    UBS Bank USA 1 6.75% $5,404
    CROSSCOUNTRY MORTGAGE, LLC 1 7.88% $3,722
    CLIFFCO, INC. 1 7.25% $10,707
    NORTHERN CREDIT UNION 1 7.63% $6,527
    Pathfinder Bank 1 7.38% $3,736
    PENNYMAC LOAN SERVICES, LLC 1 6.50% $5,374
    Presidential Bank, FSB 1 6.50% $9,040
    Bank of America 1 6.00% $4,447
    Quontic Bank 1 9.88% $9,672
    ROYAL UNITED MORTGAGE LLC 1 7.63% $5,284
    TD Bank 1 5.88% $6,579

    Auburn Average Closing Costs & Other Stats

    Auburn, NY's 49 lenders originated 1,140 loans during 2023. The total origination value was $161,260,000, with an average loan value of $141,456.

    Auburn's average closing costs are $4,605.

    The top Auburn lender as defined by loan originations is The Lyons National Bank, with 75 loans originated. Their average total fees are $4,570, which is $81 higher than the next largest lender, Genesee Regional Bank.

    The lowest fee Auburn lenders (with over 10 loans originated) are CFCU Community Credit Union ($529), Community Bank ($977), Empower Federal Credit Union ($2,934), Tompkins Trust Company ($3,365) and KeyBank ($3,593).

    The lowest rate Auburn lenders (with over 10 loans originated) are CFCU Community Credit Union (5.68%), Tompkins Trust Company (6.19%), Empower Federal Credit Union (6.52%), The Lyons National Bank (6.64%) and PARAGON HOME LOANS INC. (6.68%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    The Lyons National Bank $23,460,000 $23,105,000 -1.5% 14.3%
    Genesee Regional Bank $12,515,000 $12,005,000 -4.1% 7.4%
    Empower Federal Credit Union $11,070,000 $11,480,000 3.7% 7.1%
    QUICKEN LOANS, LLC $10,255,000 $8,305,000 -19.0% 5.2%
    M&T Bank $7,585,000 $7,470,000 -1.5% 4.6%
    Community Bank $5,575,000 $6,980,000 25.2% 4.3%
    AMERICU Credit Union $12,775,000 $6,945,000 -45.6% 4.3%
    KeyBank $11,910,000 $5,735,000 -51.8% 3.6%
    Tompkins Trust Company $5,280,000 $4,960,000 -6.1% 3.1%
    The First National Bank of Groton $4,340,000 n/a 2.7%
    PLAZA HOME MORTGAGE, INC. $4,470,000 $3,665,000 -18.0% 2.3%
    CFCU Community Credit Union $3,130,000 $3,345,000 6.9% 2.1%
    Farm Credit East, ACA $2,270,000 $3,005,000 32.4% 1.9%
    NBT Bank $3,215,000 $2,710,000 -15.7% 1.7%
    Savannah Bank $2,565,000 n/a 1.6%
    PARAGON HOME LOANS INC. $5,495,000 $2,185,000 -60.2% 1.4%
    Geddes Federal Savings and Loan Association $1,945,000 $2,070,000 6.4% 1.3%
    Fulton Savings Bank $1,600,000 $2,035,000 27.2% 1.3%
    Premium Mortgage Corporation $2,010,000 $2,000,000 -0.5% 1.2%
    UNITED WHOLESALE MORTGAGE, LLC $4,200,000 $1,645,000 -60.8% 1.0%
    Mortgage Research Center, LLC $810,000 $1,445,000 78.4% 0.9%
    JPMorgan Chase Bank $4,540,000 $1,225,000 -73.0% 0.8%
    HUNT MORTGAGE CORPORATION $1,895,000 $1,205,000 -36.4% 0.7%
    Solvay Bank $335,000 $1,195,000 256.7% 0.7%
    HOMESTEAD FUNDING CORP. $1,485,000 $1,120,000 -24.6% 0.7%
    NAVY FEDERAL CREDIT UNION $690,000 $1,045,000 51.4% 0.6%
    MOVEMENT MORTGAGE, LLC $2,080,000 $1,015,000 -51.2% 0.6%
    1ST PRIORITY MORTGAGE, INC. $3,550,000 $1,005,000 -71.7% 0.6%
    21ST MORTGAGE CORPORATION $990,000 $985,000 -0.5% 0.6%
    RELIANT COMMUNITY FEDERAL CREDIT UNION $260,000 $980,000 276.9% 0.6%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $1,870,000 $955,000 -48.9% 0.6%
    SEFCU SERVICES, LLC $2,130,000 $935,000 -56.1% 0.6%
    Five Star Bank $530,000 $900,000 69.8% 0.6%
    Wells Fargo Bank $2,840,000 $890,000 -68.7% 0.6%
    Chemung Canal Trust Company $2,885,000 $860,000 -70.2% 0.5%
    USAA Federal Savings Bank $635,000 $820,000 29.1% 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $1,225,000 $760,000 -38.0% 0.5%
    Barrington Bank & Trust Company, N.A. $920,000 $735,000 -20.1% 0.5%
    Citizens Bank $1,010,000 $645,000 -36.1% 0.4%
    STATE EMPLOYEES FEDERAL CREDIT UNION $550,000 $600,000 9.1% 0.4%
    TD Bank $335,000 $585,000 74.6% 0.4%
    Generations Bank $1,015,000 $580,000 -42.9% 0.4%
    Pathfinder Bank $1,275,000 $535,000 -58.0% 0.3%
    SECNY Federal Credit Union $175,000 $510,000 191.4% 0.3%
    LOANDEPOT.COM, LLC $950,000 $500,000 -47.4% 0.3%
    The Federal Savings Bank $245,000 $500,000 104.1% 0.3%
    HOME TOWN FUNDING, INC. $1,350,000 $475,000 -64.8% 0.3%
    AMERICAN FINANCIAL RESOURCES, INC. $215,000 $455,000 111.6% 0.3%
    THE SUMMIT Federal Credit Union $1,040,000 $425,000 -59.1% 0.3%
    CROSSCOUNTRY MORTGAGE, LLC $420,000 $375,000 -10.7% 0.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $665,000 $370,000 -44.4% 0.2%
    Alternatives Federal Credit Union $365,000 n/a 0.2%
    Wayne Bank $490,000 $365,000 -25.5% 0.2%
    LIMA ONE CAPITAL, LLC $235,000 $355,000 51.1% 0.2%
    CLIFFCO, INC. $335,000 n/a 0.2%
    CREDIT HUMAN FEDERAL CREDIT UNION $230,000 $335,000 45.7% 0.2%
    Presidential Bank, FSB $305,000 n/a 0.2%
    Quontic Bank $305,000 n/a 0.2%
    RELIANCE FIRST CAPITAL, LLC $435,000 $290,000 -33.3% 0.2%
    ROYAL UNITED MORTGAGE LLC $150,000 $290,000 93.3% 0.2%
    PENNYMAC LOAN SERVICES, LLC $280,000 n/a 0.2%
    US MORTGAGE CORPORATION $175,000 $270,000 54.3% 0.2%
    GUARANTEED RATE AFFINITY, LLC $205,000 $255,000 24.4% 0.2%
    NBKC BANK $255,000 n/a 0.2%
    ASSOCIATED MORTGAGE BANKERS, INC. $245,000 n/a 0.2%
    Seneca Savings $710,000 $235,000 -66.9% 0.1%
    LONGBRIDGE FINANCIAL, LLC $215,000 $230,000 7.0% 0.1%
    Discover Bank $110,000 $225,000 104.5% 0.1%
    SUNMARK FEDERAL CREDIT UNION $225,000 n/a 0.1%
    TRIAD FINANCIAL SERVICES, INC. $50,000 $220,000 340.0% 0.1%
    Advantage Federal Credit Union $35,000 $205,000 485.7% 0.1%
    NORTHERN CREDIT UNION $665,000 $190,000 -71.4% 0.1%
    UTILITIES EMPLOYEES CREDIT UNION $310,000 $185,000 -40.3% 0.1%
    PNC Bank $175,000 n/a 0.1%
    UBS Bank USA $165,000 n/a 0.1%
    FINGER LAKES $155,000 n/a 0.1%
    FIRST HERITAGE FEDERAL CREDIT UNION $65,000 $155,000 138.5% 0.1%
    Carrington Mortgage Services, LLC $400,000 $145,000 -63.8% 0.1%
    Equity Prime Mortgage LLC $145,000 n/a 0.1%
    GPO Federal Credit Union $145,000 n/a 0.1%
    Plains Commerce Bank $145,000 n/a 0.1%
    Berkshire Bank $280,000 $125,000 -55.4% 0.1%
    INTERSTATE HOME LOAN CENTER, INC. $125,000 n/a 0.1%
    VELOCITY COMMERCIAL CAPITAL, LLC $200,000 $125,000 -37.5% 0.1%
    Bank of England $250,000 $85,000 -66.0% 0.1%
    First Savings Bank $65,000 n/a 0.0%
    Ballston Spa National Bank $45,000 n/a 0.0%
    Bank of America $435,000 $45,000 -89.7% 0.0%
    FINANCE OF AMERICA REVERSE LLC $145,000 $45,000 -69.0% 0.0%
    FIRST SOURCE $35,000 n/a 0.0%
    GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION $15,000 n/a 0.0%

    Auburn's top lender by overall market share is The Lyons National Bank, with 14.3% market share. In second place, with 7.4%, is Genesee Regional Bank, having originated $12,005,000 in loans. In third place, with 7.1%, is Empower Federal Credit Union, having originated $11,480,000 in loans. In fourth place, with 5.2%, is QUICKEN LOANS, LLC, having originated $8,305,000 in loans. In fifth place, with 4.6%, is M&T Bank, having originated $7,470,000 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 $131,150 (-2.1%) $202,545 (1.7%) 0.00 254
    2018-02-01 $139,450 (-0.3%) $219,148 (10.5%) 0.00 250
    2018-03-01 $139,950 (0.0%) $217,001 (2.8%) 0.00 235
    2018-04-01 $147,575 (1.3%) $220,651 (1.9%) 0.00 247
    2018-05-01 $157,625 (4.3%) $223,303 (-0.2%) 0.00 253
    2018-06-01 $170,450 (6.9%) $238,088 (5.3%) 0.00 286
    2018-07-01 $179,600 (10.5%) $242,942 (-3.2%) 0.00 308
    2018-08-01 $176,075 (8.4%) $248,920 (0.8%) 0.00 298
    2018-09-01 $169,900 (6.3%) $249,143 (1.2%) 0.00 289
    2018-10-01 $172,100 (14.8%) $250,997 (5.5%) 0.00 289
    2018-11-01 $173,000 (15.8%) $257,154 (7.1%) 0.00 275
    2018-12-01 $167,750 (19.9%) $257,844 (16.5%) 0.00 250
    2019-01-01 $159,925 (21.9%) $248,485 (22.7%) 0.00 211
    2019-02-01 $160,700 (15.2%) $255,776 (16.7%) 0.00 195
    2019-03-01 $179,329 (28.1%) $271,214 (25.0%) 0.00 203
    2019-04-01 $195,450 (32.4%) $285,185 (29.3%) 0.00 222
    2019-05-01 $197,225 (25.1%) $276,782 (24.0%) 0.00 247
    2019-06-01 $189,900 (11.4%) $273,695 (15.0%) 0.00 278
    2019-07-01 $204,850 (14.1%) $283,796 (16.8%) 0.00 275
    2019-08-01 $203,827 (15.8%) $285,614 (14.7%) 0.00 270
    2019-09-01 $199,818 (17.6%) $286,541 (15.0%) 0.00 261
    2019-10-01 $195,800 (13.8%) $283,981 (13.1%) 0.00 252
    2019-11-01 $179,450 (3.7%) $272,041 (5.8%) 0.00 246
    2019-12-01 $169,900 (1.3%) $256,515 (-0.5%) 0.00 220
    2020-01-01 $165,000 (3.2%) $256,278 (3.1%) 0.00 192
    2020-02-01 $174,900 (8.8%) $251,204 (-1.8%) 0.00 188
    2020-03-01 $179,900 (0.3%) $260,749 (-3.9%) 0.00 172
    2020-04-01 $179,300 (-8.3%) $261,363 (-8.4%) 0.00 160
    2020-05-01 $189,900 (-3.7%) $278,846 (0.8%) 0.00 163
    2020-06-01 $214,950 (13.2%) $299,316 (9.4%) 0.00 181
    2020-07-01 $215,950 (5.4%) $300,584 (5.9%) 0.00 181
    2020-08-01 $219,900 (7.9%) $295,423 (3.4%) 0.00 151
    2020-09-01 $184,900 (-7.5%) $281,391 (-1.8%) 0.00 149
    2020-10-01 $179,900 (-8.1%) $302,677 (6.6%) 0.00 144
    2020-11-01 $179,800 (0.2%) $302,307 (11.1%) 0.00 127
    2020-12-01 $152,400 (-10.3%) $285,298 (11.2%) 0.00 127
    2021-01-01 $164,900 (-0.1%) $299,487 (16.9%) 0.00 98
    2021-02-01 $153,425 (-12.3%) $317,710 (26.5%) 0.00 85
    2021-03-01 $174,900 (-2.8%) $344,293 (32.0%) 0.00 83
    2021-04-01 $215,000 (19.9%) $348,957 (33.5%) 0.00 84
    2021-05-01 $209,450 (10.3%) $332,447 (19.2%) 0.00 94
    2021-06-01 $199,000 (-7.4%) $322,221 (7.7%) 0.00 103
    2021-07-01 $195,000 (-9.7%) $302,056 (0.5%) 0.00 123
    2021-08-01 $233,425 (6.2%) $328,312 (11.1%) 0.00 105
    2021-09-01 $219,450 (18.7%) $326,176 (15.9%) 0.00 114
    2021-10-01 $224,900 (25.0%) $338,114 (11.7%) 0.00 117
    2021-11-01 $212,400 (18.1%) $295,342 (-2.3%) 0.00 89
    2021-12-01 $196,564 (29.0%) $259,112 (-9.2%) 0.00 83
    2022-01-01 $179,900 (9.1%) $265,142 (-11.5%) 0.00 76
    2022-02-01 $158,650 (3.4%) $260,797 (-17.9%) 0.00 67
    2022-03-01 $165,000 (-5.7%) $230,809 (-33.0%) 0.00 59
    2022-04-01 $192,400 (-10.5%) $274,069 (-21.5%) 0.00 79
    2022-05-01 $203,450 (-2.9%) $301,881 (-9.2%) 0.00 92
    2022-06-01 $214,425 (7.8%) $315,709 (-2.0%) 0.00 96
    2022-07-01 $200,000 (2.6%) $314,616 (4.2%) 0.00 117
    2022-08-01 $216,675 (-7.2%) $331,453 (1.0%) 0.00 126
    2022-09-01 $189,950 (-13.4%) $323,406 (-0.9%) 0.00 128
    2022-10-01 $189,700 (-15.7%) $330,306 (-2.3%) 0.00 124
    2022-11-01 $192,450 (-9.4%) $339,025 (14.8%) 0.00 110
    2022-12-01 $195,000 (-0.8%) $320,655 (23.8%) 0.00 96
    2023-01-01 $186,100 (3.5%) $308,797 (16.5%) 0.00 71
    2023-02-01 $189,900 (19.7%) $305,410 (17.1%) 0.00 62
    2023-03-01 $210,375 (27.5%) $375,924 (62.9%) 0.00 53
    2023-04-01 $265,000 (37.7%) $409,868 (49.6%) 0.00 54
    2023-05-01 $235,700 (15.9%) $393,021 (30.2%) 0.00 55
    2023-06-01 $237,475 (10.8%) $360,770 (14.3%) 0.00 61
    2023-07-01 $234,950 (17.5%) $343,902 (9.3%) 0.00 80
    2023-08-01 $241,650 (11.5%) $331,305 (0.0%) 0.00 91
    2023-09-01 $239,950 (26.3%) $385,186 (19.1%) 0.00 102
    2023-10-01 $237,500 (25.2%) $387,659 (17.4%) 0.00 88
    2023-11-01 $223,563 (16.2%) $361,677 (6.7%) 0.00 85
    2023-12-01 $199,950 (2.5%) $353,327 (10.2%) 0.00 86
    2024-01-01 $204,725 (10.0%) $369,874 (19.8%) 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
    Auburn's median listing price for 2024-03-01 was $224,900, a difference of $14,525 (6.9%) versus the prior year and $9,975 versus the prior month.

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

    Auburn's average listing price for 2024-03-01 was $330,814, a difference of $-45,110 (-12.0%) versus the prior year and $-55,950 versus the prior month.

    For the 2024-03-01 period, Auburn had 59 MLS listings, a difference of -3 listings (-5%) versus the prior month and 6 listings (11%) 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 1,717 sqft
    2018-02-01 0 days 1,680 sqft
    2018-03-01 0 days 1,719 sqft
    2018-04-01 0 days 1,720 sqft
    2018-05-01 0 days 1,714 sqft
    2018-06-01 0 days 1,708 sqft
    2018-07-01 0 days 1,734 sqft
    2018-08-01 0 days 1,721 sqft
    2018-09-01 0 days 1,700 sqft
    2018-10-01 0 days 1,668 sqft
    2018-11-01 0 days 1,704 sqft
    2018-12-01 0 days 1,724 sqft
    2019-01-01 0 days 1,680 sqft
    2019-02-01 0 days 1,691 sqft
    2019-03-01 0 days 1,782 sqft
    2019-04-01 0 days 1,842 sqft
    2019-05-01 0 days 1,749 sqft
    2019-06-01 0 days 1,698 sqft
    2019-07-01 0 days 1,693 sqft
    2019-08-01 0 days 1,739 sqft
    2019-09-01 0 days 1,780 sqft
    2019-10-01 0 days 1,801 sqft
    2019-11-01 0 days 1,792 sqft
    2019-12-01 0 days 1,747 sqft
    2020-01-01 0 days 1,794 sqft
    2020-02-01 0 days 1,770 sqft
    2020-03-01 0 days 1,781 sqft
    2020-04-01 0 days 1,746 sqft
    2020-05-01 0 days 1,829 sqft
    2020-06-01 0 days 1,855 sqft
    2020-07-01 0 days 1,815 sqft
    2020-08-01 0 days 1,851 sqft
    2020-09-01 0 days 1,862 sqft
    2020-10-01 0 days 1,872 sqft
    2020-11-01 0 days 1,774 sqft
    2020-12-01 0 days 1,659 sqft
    2021-01-01 0 days 1,640 sqft
    2021-02-01 0 days 1,654 sqft
    2021-03-01 0 days 1,693 sqft
    2021-04-01 0 days 1,724 sqft
    2021-05-01 0 days 1,716 sqft
    2021-06-01 0 days 1,784 sqft
    2021-07-01 0 days 1,828 sqft
    2021-08-01 0 days 1,883 sqft
    2021-09-01 0 days 1,746 sqft
    2021-10-01 0 days 1,792 sqft
    2021-11-01 0 days 1,777 sqft
    2021-12-01 0 days 1,696 sqft
    2022-01-01 0 days 1,694 sqft
    2022-02-01 0 days 1,687 sqft
    2022-03-01 0 days 1,736 sqft
    2022-04-01 0 days 1,800 sqft
    2022-05-01 0 days 1,783 sqft
    2022-06-01 0 days 1,860 sqft
    2022-07-01 0 days 1,702 sqft
    2022-08-01 0 days 1,833 sqft
    2022-09-01 0 days 1,778 sqft
    2022-10-01 0 days 1,844 sqft
    2022-11-01 0 days 1,881 sqft
    2022-12-01 0 days 1,823 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 1,722 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
    Auburn's median listing age (time on market) for 2024-03-01 was 0 days.

    Auburn's median square footage for active listings during the 2024-03-01 period was 1,728 sqft. One year prior, the average listing was 1,864 sqft.

    Auburn, NY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 554 $104,840,000 $189,242
    Home Improvement 217 $14,855,000 $68,456
    Refi 149 $18,385,000 $123,389
    Cash Out Refi 121 $16,165,000 $133,595
    Other 97 $6,805,000 $70,155
    NA 2 $210,000 $105,000

    Auburn's most frequently cited loan purpose was Home Purchase, with 554 originations. The 2nd most popular reason was Home Improvement, with 217 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 395 $58,685,000 $148,570
    7-8% 198 $30,600,000 $154,545
    5-6% 162 $29,530,000 $182,284
    Over 8% 113 $11,235,000 $99,425
    <2.5% 76 $5,380,000 $70,789
    4-5% 18 $2,810,000 $156,111
    3-4% 18 $1,330,000 $73,889

    During 2023, Auburn's most frequently originated rate bucket was 6-7%, with 395 originations.

    Loan Sizing (Auburn, NY MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 491 $26,775,000 $54,532
    $100k-200k 424 $60,970,000 $143,797
    $200k-400k 180 $46,590,000 $258,833
    $400k-600k 26 $12,930,000 $497,308
    $600k-1000k 17 $11,555,000 $679,706
    $Over $1MM 2 $2,440,000 $1,220,000

    Auburn's loan sizing saw the bucket of loans from $100,000 or less with 491 originations, totaling $26,775,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 377 $70,565,000 $187,175
    60-80% 198 $37,080,000 $187,273
    20-40% 155 $10,575,000 $68,226
    Under 20% 130 $4,710,000 $36,231
    40-60% 108 $14,680,000 $135,926
    Over 100% 8 $1,690,000 $211,250

    Auburn's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 377 originations, totaling $70,565,000 in origination value.