BINGHAMTON Mortgage Rates

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

30 Year Fixed Rate mortgages in Binghamton averaged 6.21% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 6.18% and one month ago for the week of 2022-05-19, the average rate was 5.45%.

Binghamton's average rate one year ago was 2.95%.

For refis of the same type during the week of 2022-06-23, the average rate was 6.41%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Binghamton 30 Year Fixed Rate 2022-06-23 6.21%
Binghamton 30 Year Fixed Rate Refi 2022-06-23 6.41%
Binghamton 15 Year Fixed Rate 2022-06-23 5.48%
Binghamton 15 Year Fixed Rate Refi 2022-06-23 5.33%
Binghamton 30 Year FHA 2022-06-23 0.22%
Binghamton 30 Year FHA Refi 2022-06-23 -0.08%
Binghamton 30 Year USDA 2022-06-23 0.17%
Binghamton 30 Year USDA Refi 2022-06-23 0.17%
Binghamton 30 Year VA 2022-06-23 0.36%
Binghamton 30 Year VA Refi 2022-06-23 -0.13%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within BINGHAMTON, NY.

BINGHAMTON Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the BINGHAMTON, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
VISIONS 616 3.10% $2,283
HOMESTEAD FUNDING CORP. 289 3.08% $3,216
QUICKEN LOANS, LLC 157 3.22% $5,135
Manufacturers and Traders Trust Company 81 3.32% $3,558
SEFCU SERVICES, LLC 78 3.09% $2,891
1ST PRIORITY MORTGAGE, INC. 75 2.99% $3,334
PARAGON HOME LOANS INC. 62 3.04% $3,034
Elmira Savings Bank 52 3.02% $1,382
NBT Bank 49 2.96% $3,191
Wells Fargo Bank 47 3.29% $3,122
Community Bank 37 3.62% $370
KeyBank 36 3.28% $2,101
MOVEMENT MORTGAGE, LLC 33 3.08% $4,308
PLAZA HOME MORTGAGE, INC. 30 3.07% $5,552
Premium Mortgage Corporation 23 3.20% $2,589
Citizens & Northern Bank 19 3.28% $4,395
CFCU Community Credit Union 19 3.07% $1,393
LOANDEPOT.COM, LLC 19 3.09% $5,372
Chemung Canal Trust Company 18 3.35% $1,958
JPMorgan Chase Bank 15 3.19% $3,153
Tompkins Trust Company 15 3.08% $2,843
Empower Federal Credit Union 13 3.44% $3,763
CALIBER HOME LOANS, INC. 12 3.10% $5,248
Citizens Bank 10 3.09% $4,471
UNITED WHOLESALE MORTGAGE, LLC 10 2.95% $7,329
Mr. Cooper ( Nationstar Mortgage ) 9 3.44% $5,262
CREDIT UNION MORTGAGE ASSOCIATION, INC. 9 3.00% $4,334
Bank of America 8 3.13% $3,930
BETTER MORTGAGE CORPORATION 8 2.98% $5,987
GHS Federal Credit Union 8 3.44% $3,098
AMERICAN FINANCIAL NETWORK, INC. 7 3.59% $12,181
NAVY FEDERAL CREDIT UNION 6 3.83% $4,218
CORNING 6 2.94% $3,734
CCFCU FUNDING, LLC 6 3.10% $3,039
A&D Mortgage LLC 6 4.69% $5,539
CONTOUR MORTGAGE CORPORATION 5 3.38% $5,116
Quontic Bank 5 5.70% $8,550
RELIANCE FIRST CAPITAL, LLC 5 3.30% $5,249
Farm Credit East, ACA 5 3.49% $6,324
AMERICAN FINANCING CORPORATION 4 3.25% $4,111
ROYAL UNITED MORTGAGE LLC 4 3.63% $5,941
First Citizens Community Bank 4 2.94% $2,286
Peoples Security Bank and Trust Company 4 2.84% $3,047
HOME POINT FINANCIAL CORPORATION 4 3.40% $4,665
RESIDENTIAL MORTGAGE SERVICES, INC. 4 3.25% $2,853
UNITED MORTGAGE CORP. 4 3.16% $7,979
FREEDOM MORTGAGE CORPORATION 3 3.08% $5,148
CROSSCOUNTRY MORTGAGE, LLC 3 3.54% $5,221
GUARANTEED RATE, INC. 3 3.29% $4,627
HSBC BANK USA, NATIONAL ASSOCIATION 3 3.04% $4,998
Mortgage Research Center, LLC 3 2.87% $2,559
The Lyons National Bank 3 3.08% $4,711
EMBRACE HOME LOANS, INC. 2 3.18% $5,793
The Huntington National Bank 2 3.08% $6,131
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 3.13% $4,240
PENTAGON FEDERAL CREDIT UNION 2 2.81% $5,366
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 2 3.19% $5,628
Discover Bank 2 5.57% $0
Bethpage Federal Credit Union 2 3.38% $4,871
AMERICU Credit Union 2 3.75% $3,839
Genesee Regional Bank 2 3.31% $3,554
Citibank 2 2.75% $3,115
US MORTGAGE CORPORATION 2 3.25% $5,141
NBKC BANK 2 3.38% $3,156
TD Bank 2 3.19% $4,124
First Savings Bank 1 3.25% $4,470
FAMILY FIRST FUNDING LLC 1 3.38% $5,468
PHH Mortgage Corporation 1 3.88% $5,496
POLISH & SLAVIC FEDERAL CREDIT UNION 1 2.88% $4,045
PREMIA MORTGAGE, LLC 1 3.25% $3,567
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 2.88% $3,976
DIGITAL Federal Credit Union 1 3.00% $3,465
Commerce Bank 1 3.38% $3,846
RBC Bank, (Georgia) 1 2.75% $2,477
CLIFFCO, INC. 1 3.38% $3,801
RESIDENTIAL HOME FUNDING CORP. 1 4.75% $8,028
City National Bank of Florida 1 3.38% $3,178
Centennial Bank 1 3.75% $3,894
TEACHERS 1 3.13% $4,678
Advisors Mortgage Group, L.L.C. 1 3.25% $4,644
Third Federal Savings and Loan Association of Cleveland 1 2.99% $3,778
Toyota Financial Savings Bank 1 2.75% $3,388
USAA Federal Savings Bank 1 3.63% $6,044
U.S. Bank 1 2.63% $4,132
LAND HOME FINANCIAL SERVICES, INC. 1 3.13% $5,349
Luxury Mortgage Corp. 1 4.75% $14,455
JET DIRECT FUNDING CORP 1 3.00% $5,958
InterContinental Capital Group, Inc 1 3.38% $6,766
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 2.75% $6,996
MORTGAGE ACCESS CORP. 1 3.25% $5,016
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.50% $4,497
GUIDANCE RESIDENTIAL, LLC 1 3.25% $3,721
NATIONWIDE MORTGAGE BANKERS, INC. 1 3.50% $7,924
FM Home Loans, LLC 1 3.38% $5,072
NJ LENDERS CORP. 1 3.63% $4,517
North American Savings Bank, F.S.B. 1 2.88% $3,512
Northwest Bank 1 3.00% $4,171
NP, Inc. 1 3.75% $5,142
OWNERSCHOICE FUNDING, INCORPORATED 1 3.25% $3,427

BINGHAMTON, NY's 99 lenders originated 5,631 loans during 2021. The total origination value was $810,205,000, with an average loan value of $143,883.

The top BINGHAMTON lender as defined by loan originations is VISIONS, with 616 loans originated. Their average total fees are $2,283, which is $933 lower than the next largest lender, HOMESTEAD FUNDING CORP..

The lowest fee BINGHAMTON lenders (with over 10 loans originated) are Community Bank ($370), Elmira Savings Bank ($1,382), CFCU Community Credit Union ($1,393), Chemung Canal Trust Company ($1,958) and KeyBank ($2,101).

The lowest rate BINGHAMTON lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (2.95%), NBT Bank (2.96%), 1ST PRIORITY MORTGAGE, INC. (2.99%), Elmira Savings Bank (3.02%) and PARAGON HOME LOANS INC. (3.04%).

BINGHAMTON, NY Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
VISIONS $146,570,000 $157,540,000 7.5% 19.4%
HOMESTEAD FUNDING CORP. $69,515,000 $87,300,000 25.6% 10.8%
QUICKEN LOANS, LLC $51,315,000 $80,045,000 56.0% 9.9%
Manufacturers and Traders Trust Company $52,700,000 $54,980,000 4.3% 6.8%
Tioga State Bank $32,980,000 $35,165,000 6.6% 4.3%
Capital One $21,995,000 $29,205,000 32.8% 3.6%
PARAGON HOME LOANS INC. $20,290,000 $22,470,000 10.7% 2.8%
1ST PRIORITY MORTGAGE, INC. $15,670,000 $21,140,000 34.9% 2.6%
Santander Bank, N.A. $115,000 $19,580,000 16,926.1% 2.4%
Wells Fargo Bank $5,885,000 $18,670,000 217.2% 2.3%
SEFCU SERVICES, LLC $13,880,000 $17,950,000 29.3% 2.2%
NBT Bank $13,650,000 $15,665,000 14.8% 1.9%
Elmira Savings Bank $13,785,000 $14,795,000 7.3% 1.8%
Citizens Bank $9,315,000 $12,680,000 36.1% 1.6%
MOVEMENT MORTGAGE, LLC $14,780,000 $12,305,000 -16.7% 1.5%
PLAZA HOME MORTGAGE, INC. $10,885,000 $11,370,000 4.5% 1.4%
KeyBank $8,465,000 $10,845,000 28.1% 1.3%
Community Bank $6,930,000 $10,035,000 44.8% 1.2%
Empower Federal Credit Union $4,350,000 $8,630,000 98.4% 1.1%
Chemung Canal Trust Company $8,545,000 n/a 1.1%
STATE EMPLOYEES FEDERAL CREDIT UNION $6,490,000 $8,545,000 31.7% 1.1%
Tompkins Trust Company $2,195,000 $8,305,000 278.4% 1.0%
Mr. Cooper ( Nationstar Mortgage ) $5,455,000 $7,855,000 44.0% 1.0%
Citizens & Northern Bank $6,990,000 $6,480,000 -7.3% 0.8%
LOANDEPOT.COM, LLC $4,730,000 $6,380,000 34.9% 0.8%
Premium Mortgage Corporation $560,000 $6,310,000 1,026.8% 0.8%
Mortgage Research Center, LLC $2,935,000 $5,775,000 96.8% 0.7%
CFCU Community Credit Union $3,565,000 $5,200,000 45.9% 0.6%
GHS Federal Credit Union $3,135,000 $4,910,000 56.6% 0.6%
JPMorgan Chase Bank $2,010,000 $4,910,000 144.3% 0.6%
AMERICAN FINANCIAL NETWORK, INC. $2,715,000 $4,585,000 68.9% 0.6%
Peoples Security Bank and Trust Company $3,185,000 $4,495,000 41.1% 0.6%
FREEDOM MORTGAGE CORPORATION $1,275,000 $4,400,000 245.1% 0.5%
UNITED WHOLESALE MORTGAGE, LLC $1,750,000 $3,900,000 122.9% 0.5%
NAVY FEDERAL CREDIT UNION $2,560,000 $3,840,000 50.0% 0.5%
CALIBER HOME LOANS, INC. $2,440,000 $3,135,000 28.5% 0.4%
COREVEST AMERICAN FINANCE LENDER LLC $4,925,000 $2,995,000 -39.2% 0.4%
Bank of America $2,095,000 $2,805,000 33.9% 0.3%
GREYSTONE SERVICING COMPANY LLC $2,535,000 n/a 0.3%
BETTER MORTGAGE CORPORATION $310,000 $2,475,000 698.4% 0.3%
USAA Federal Savings Bank $2,440,000 $2,355,000 -3.5% 0.3%
NEWREZ LLC $985,000 $2,195,000 122.8% 0.3%
CORNING $3,185,000 $1,985,000 -37.7% 0.2%
The Upstate National Bank $1,680,000 n/a 0.2%
21ST MORTGAGE CORPORATION $1,205,000 $1,660,000 37.8% 0.2%
Barrington Bank & Trust Company, N.A. $955,000 $1,650,000 72.8% 0.2%
Arbor Realty Trust, Inc. $1,605,000 n/a 0.2%
HOME POINT FINANCIAL CORPORATION $920,000 $1,515,000 64.7% 0.2%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $1,490,000 n/a 0.2%
RELIANCE FIRST CAPITAL, LLC $295,000 $1,395,000 372.9% 0.2%
Quontic Bank $105,000 $1,325,000 1,161.9% 0.2%
TD Bank $1,585,000 $1,310,000 -17.4% 0.2%
AMERICAN FINANCING CORPORATION $410,000 $1,295,000 215.9% 0.2%
NBKC BANK $390,000 $1,295,000 232.1% 0.2%
CCFCU FUNDING, LLC $965,000 $1,225,000 26.9% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $220,000 $1,200,000 445.5% 0.1%
ROYAL UNITED MORTGAGE LLC $1,430,000 $1,195,000 -16.4% 0.1%
Farm Credit East, ACA $75,000 $1,180,000 1,473.3% 0.1%
UNITED MORTGAGE CORP. $200,000 $1,105,000 452.5% 0.1%
Carrington Mortgage Services, LLC $935,000 $1,070,000 14.4% 0.1%
RESIDENTIAL MORTGAGE SERVICES, INC. $2,005,000 $1,060,000 -47.1% 0.1%
GUARANTEED RATE, INC. $245,000 $1,005,000 310.2% 0.1%
First Citizens Community Bank $800,000 $980,000 22.5% 0.1%
A&D Mortgage LLC $960,000 n/a 0.1%
North American Savings Bank, F.S.B. $670,000 $945,000 41.0% 0.1%
The Huntington National Bank $370,000 $840,000 127.0% 0.1%
LENDINGHOME FUNDING CORPORATION $250,000 $815,000 226.0% 0.1%
PENTAGON FEDERAL CREDIT UNION $180,000 $795,000 341.7% 0.1%
CONTOUR MORTGAGE CORPORATION $495,000 $770,000 55.6% 0.1%
MORTGAGE ACCESS CORP. $760,000 n/a 0.1%
U.S. Bank $470,000 $730,000 55.3% 0.1%
Bethpage Federal Credit Union $510,000 $650,000 27.5% 0.1%
EMBRACE HOME LOANS, INC. $360,000 $640,000 77.8% 0.1%
FIRST HERITAGE FEDERAL CREDIT UNION $430,000 $640,000 48.8% 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $480,000 $635,000 32.3% 0.1%
The Lyons National Bank $365,000 $620,000 69.9% 0.1%
Luxury Mortgage Corp. $615,000 n/a 0.1%
Citibank $605,000 n/a 0.1%
Flagstar Bank, FSB $380,000 $595,000 56.6% 0.1%
Wayne Bank $730,000 $545,000 -25.3% 0.1%
Colonial Savings, F.A. $105,000 $510,000 385.7% 0.1%
PS Bank $850,000 $480,000 -43.5% 0.1%
FNCB Bank $460,000 n/a 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $320,000 $445,000 39.1% 0.1%
First Savings Bank $435,000 n/a 0.1%
HSBC BANK USA, NATIONAL ASSOCIATION $435,000 n/a 0.1%
THE SUMMIT Federal Credit Union $55,000 $410,000 645.5% 0.1%
InterContinental Capital Group, Inc $805,000 $405,000 -49.7% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $320,000 $405,000 26.6% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $395,000 n/a 0.0%
AMERICU Credit Union $190,000 $390,000 105.3% 0.0%
Discover Bank $565,000 $380,000 -32.7% 0.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $710,000 $380,000 -46.5% 0.0%
Genesee Regional Bank $55,000 $380,000 590.9% 0.0%
OWNERSCHOICE FUNDING, INCORPORATED $620,000 $360,000 -41.9% 0.0%
LIMA ONE CAPITAL, LLC $65,000 $350,000 438.5% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $115,000 $345,000 200.0% 0.0%
Magnolia Bank $480,000 $340,000 -29.2% 0.0%
Metro City Bank $265,000 $340,000 28.3% 0.0%
GUIDANCE RESIDENTIAL, LLC $115,000 $330,000 187.0% 0.0%
Commerce Bank $315,000 n/a 0.0%
PHH Mortgage Corporation $655,000 $310,000 -52.7% 0.0%
UBS Bank USA $295,000 n/a 0.0%
TIAA, FSB $290,000 n/a 0.0%
Bank of England $870,000 $280,000 -67.8% 0.0%
TEACHERS $150,000 $260,000 73.3% 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $220,000 $240,000 9.1% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $220,000 $240,000 9.1% 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $235,000 n/a 0.0%
FM Home Loans, LLC $350,000 $235,000 -32.9% 0.0%
MLD MORTGAGE INC. $85,000 $225,000 164.7% 0.0%
US MORTGAGE CORPORATION $220,000 n/a 0.0%
UTILITIES EMPLOYEES CREDIT UNION $65,000 $200,000 207.7% 0.0%
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. $195,000 n/a 0.0%
Northpointe Bank $185,000 $195,000 5.4% 0.0%
Presidential Bank, FSB $195,000 n/a 0.0%
SERVU FEDERAL CREDIT UNION $195,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $185,000 $190,000 2.7% 0.0%
Alternatives Federal Credit Union $185,000 n/a 0.0%
PNC Bank $460,000 $175,000 -62.0% 0.0%
Ulster Savings Bank $95,000 $175,000 84.2% 0.0%
SUNMARK FEDERAL CREDIT UNION $85,000 $165,000 94.1% 0.0%
CLIFFCO, INC. $85,000 $155,000 82.4% 0.0%
First Guaranty Mortgage Corporation $155,000 n/a 0.0%
Northwest Bank $215,000 $155,000 -27.9% 0.0%
VAN DYK MORTGAGE CORPORATION $155,000 n/a 0.0%
PREMIA MORTGAGE, LLC $145,000 n/a 0.0%
EVANSVILLE TEACHERS $135,000 n/a 0.0%
HUNT MORTGAGE CORPORATION $135,000 n/a 0.0%
PLANET HOME LENDING, LLC $135,000 n/a 0.0%
BNC National Bank $125,000 n/a 0.0%
City National Bank of Florida $125,000 n/a 0.0%
Five Star Bank $175,000 $125,000 -28.6% 0.0%
NJ LENDERS CORP. $125,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $15,000 $125,000 733.3% 0.0%
Toyota Financial Savings Bank $125,000 n/a 0.0%
Advisors Mortgage Group, L.L.C. $115,000 n/a 0.0%
AMERICAN ADVISORS GROUP $235,000 $115,000 -51.1% 0.0%
DIGITAL Federal Credit Union $115,000 n/a 0.0%
FAMILY FIRST FUNDING LLC $115,000 n/a 0.0%
NP, Inc. $115,000 n/a 0.0%
FAY SERVICING, LLC $105,000 n/a 0.0%
HOME TOWN FUNDING, INC. $75,000 $105,000 40.0% 0.0%
JET DIRECT FUNDING CORP $105,000 n/a 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $95,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $65,000 $90,000 38.5% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $85,000 n/a 0.0%
RBC Bank, (Georgia) $85,000 n/a 0.0%
REVERSE MORTGAGE FUNDING LLC $85,000 n/a 0.0%
Centennial Bank $75,000 n/a 0.0%
POLISH & SLAVIC FEDERAL CREDIT UNION $165,000 $75,000 -54.5% 0.0%
RESIDENTIAL HOME FUNDING CORP. $75,000 n/a 0.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $55,000 n/a 0.0%

BINGHAMTON's top lender by overall market share is VISIONS, with 19.4% market share. In second place, with 10.8%, is HOMESTEAD FUNDING CORP., having originated $87,300,000 in loans. In third place, with 9.9%, is QUICKEN LOANS, LLC, having originated $80,045,000 in loans. In third place, with 6.8%, is Manufacturers and Traders Trust Company, having originated $54,980,000 in loans. In third place, with 4.3%, is Tioga State Bank, having originated $35,165,000 in loans.


BINGHAMTON, NY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,747 $450,385,000 $163,955
Refi 1,189 $173,235,000 $145,698
Cash Out Refi 994 $140,380,000 $141,227
Home Improvement 416 $24,550,000 $59,014
Other 285 $21,655,000 $75,982

Binghamton's most frequently cited loan purpose was Home Purchase, with 2,747 originations. The 2nd most popular reason was Refi, with 1,189 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 2,271 $348,725,000 $153,556
3-4% 1,754 $240,160,000 $136,921
<2.5% 987 $114,245,000 $115,750
4-5% 211 $30,645,000 $145,237
5-6% 79 $5,485,000 $69,430
6-7% 47 $2,505,000 $53,298
7-8% 17 $1,195,000 $70,294
Over 8% 16 $1,010,000 $63,125

During 2021, Binghamton's most frequently originated rate bucket was 2.5-3%, with 2,271 originations.

Loan Sizing (BINGHAMTON, NY MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 2,766 $385,000,000 $139,190
$100,000 or less 2,062 $134,570,000 $65,262
$200k-400k 728 $187,920,000 $258,132
$400k-600k 50 $23,840,000 $476,800
$600k-1000k 13 $9,245,000 $711,154
$Over $1MM 12 $69,630,000 $5,802,500

BINGHAMTON's loan sizing saw the bucket of loans from $100k-200k with 2,766 originations, totaling $385,000,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 2,423 $402,835,000 $166,255
60-80% 1,601 $253,455,000 $158,310
40-60% 605 $67,675,000 $111,860
20-40% 465 $27,115,000 $58,312
Under 20% 216 $5,990,000 $27,731
Over 100% 38 $9,780,000 $257,368

BINGHAMTON's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,423 originations, totaling $402,835,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - BINGHAMTON (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 $120,000 (0.1%) $153,062 (0.5%) 0.44 959
2018-02-01 $121,500 (1.3%) $154,850 (1.2%) 0.44 932
2018-03-01 $124,900 (4.2%) $158,948 (1.4%) 0.43 890
2018-04-01 $125,500 (0.4%) $160,147 (2.0%) 0.42 867
2018-05-01 $133,900 (3.5%) $170,438 (5.5%) 0.45 916
2018-06-01 $138,000 (6.7%) $174,637 (7.2%) 0.46 1,015
2018-07-01 $139,700 (7.5%) $173,537 (7.6%) 0.47 1,119
2018-08-01 $135,000 (3.9%) $168,573 (5.7%) 0.45 1,157
2018-09-01 $134,900 (4.6%) $166,425 (4.9%) 0.45 1,127
2018-10-01 $129,950 (0.7%) $164,634 (3.9%) 0.43 1,113
2018-11-01 $127,700 (0.7%) $163,524 (3.8%) 0.43 1,059
2018-12-01 $127,900 (2.3%) $164,823 (6.1%) 0.44 953
2019-01-01 $126,950 (5.8%) $164,014 (7.2%) 0.44 872
2019-02-01 $128,000 (5.4%) $163,969 (5.9%) 0.43 805
2019-03-01 $128,243 (2.7%) $164,145 (3.3%) 0.42 839
2019-04-01 $130,950 (4.3%) $166,079 (3.7%) 0.41 873
2019-05-01 $134,950 (0.8%) $170,123 (-0.2%) 0.42 936
2019-06-01 $139,999 (1.5%) $175,644 (0.6%) 0.43 1,051
2019-07-01 $139,900 (0.1%) $174,452 (0.5%) 0.43 1,100
2019-08-01 $142,086 (5.3%) $174,721 (3.7%) 0.45 1,117
2019-09-01 $143,886 (6.7%) $176,384 (6.0%) 0.46 1,115
2019-10-01 $139,900 (7.7%) $175,142 (6.4%) 0.45 1,123
2019-11-01 $134,900 (5.6%) $170,765 (4.4%) 0.44 1,048
2019-12-01 $133,450 (4.3%) $169,599 (2.9%) 0.44 939
2020-01-01 $129,900 (2.3%) $168,280 (2.6%) 0.43 822
2020-02-01 $138,000 (7.8%) $172,339 (5.1%) 0.45 779
2020-03-01 $144,900 (13.0%) $180,479 (10.0%) 0.45 755
2020-04-01 $142,450 (8.8%) $180,288 (8.6%) 0.44 668
2020-05-01 $149,500 (10.8%) $193,810 (13.9%) 0.45 636
2020-06-01 $159,000 (13.6%) $207,020 (17.9%) 0.46 630
2020-07-01 $162,450 (16.1%) $209,836 (20.3%) 0.47 583
2020-08-01 $160,000 (12.6%) $218,837 (25.3%) 0.46 580
2020-09-01 $162,000 (12.6%) $222,228 (26.0%) 0.46 589
2020-10-01 $159,900 (14.3%) $224,845 (28.4%) 0.46 597
2020-11-01 $152,500 (13.1%) $234,909 (37.6%) 0.44 578
2020-12-01 $150,000 (12.4%) $236,459 (39.4%) 0.44 500
2021-01-01 $144,900 (11.6%) $235,453 (39.9%) 0.43 448
2021-02-01 $149,000 (8.0%) $258,277 (49.9%) 0.43 363
2021-03-01 $159,450 (10.0%) $276,189 (53.0%) 0.45 333
2021-04-01 $177,450 (24.6%) $290,978 (61.4%) 0.48 311
2021-05-01 $190,000 (27.1%) $270,103 (39.4%) 0.50 325
2021-06-01 $192,450 (21.0%) $262,713 (26.9%) 0.50 372
2021-07-01 $195,000 (20.0%) $257,824 (22.9%) 0.51 403
2021-08-01 $186,950 (16.8%) $259,250 (18.5%) 0.49 445
2021-09-01 $171,500 (5.9%) $251,645 (13.2%) 0.45 458
2021-10-01 $167,500 (4.8%) $247,739 (10.2%) 0.44 468
2021-11-01 $168,750 (10.7%) $250,657 (6.7%) 0.44 442
2021-12-01 $160,000 (6.7%) $250,823 (6.1%) 0.43 402
2022-01-01 $160,000 (10.4%) $253,598 (7.7%) 0.43 333
2022-02-01 $177,450 (19.1%) $274,311 (6.2%) 0.45 282
2022-03-01 $175,000 (9.8%) $280,562 (1.6%) 0.43 286
2022-04-01 $185,000 (4.3%) $289,682 (-0.5%) 0.44 288
2022-05-01 $205,000 (7.9%) $294,081 (8.9%) 0.46 304
BINGHAMTON's median listing price for 2022-05-01 was $205,000, a difference of $15,000 (7.9%) versus the prior year and $20,000 versus the prior month.

BINGHAMTON's median listing price comes in at 46% of the national average.

BINGHAMTON's average listing price for 2022-05-01 was $294,081, a difference of $23,978 (8.9%) versus the prior year and $4,399 versus the prior month.

For the 2022-05-01 period, BINGHAMTON had 304 MLS listings, a difference of 16 listings (6%) versus the prior month and -21 listings (-6%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - BINGHAMTON (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 108 days 1,749 sqft
2018-02-01 108 days 1,750 sqft
2018-03-01 106 days 1,770 sqft
2018-04-01 87 days 1,803 sqft
2018-05-01 72 days 1,823 sqft
2018-06-01 63 days 1,827 sqft
2018-07-01 65 days 1,848 sqft
2018-08-01 69 days 1,811 sqft
2018-09-01 79 days 1,803 sqft
2018-10-01 84 days 1,788 sqft
2018-11-01 87 days 1,777 sqft
2018-12-01 94 days 1,752 sqft
2019-01-01 100 days 1,741 sqft
2019-02-01 105 days 1,759 sqft
2019-03-01 96 days 1,784 sqft
2019-04-01 67 days 1,812 sqft
2019-05-01 65 days 1,848 sqft
2019-06-01 63 days 1,850 sqft
2019-07-01 62 days 1,802 sqft
2019-08-01 70 days 1,831 sqft
2019-09-01 74 days 1,867 sqft
2019-10-01 79 days 1,853 sqft
2019-11-01 85 days 1,814 sqft
2019-12-01 94 days 1,802 sqft
2020-01-01 99 days 1,800 sqft
2020-02-01 100 days 1,825 sqft
2020-03-01 83 days 1,874 sqft
2020-04-01 90 days 1,852 sqft
2020-05-01 99 days 1,853 sqft
2020-06-01 90 days 1,935 sqft
2020-07-01 49 days 1,908 sqft
2020-08-01 52 days 1,845 sqft
2020-09-01 52 days 1,926 sqft
2020-10-01 52 days 1,888 sqft
2020-11-01 56 days 1,879 sqft
2020-12-01 71 days 1,803 sqft
2021-01-01 88 days 1,730 sqft
2021-02-01 99 days 1,812 sqft
2021-03-01 68 days 1,884 sqft
2021-04-01 50 days 1,881 sqft
2021-05-01 45 days 1,878 sqft
2021-06-01 36 days 1,863 sqft
2021-07-01 38 days 1,899 sqft
2021-08-01 41 days 1,843 sqft
2021-09-01 44 days 1,817 sqft
2021-10-01 50 days 1,801 sqft
2021-11-01 60 days 1,832 sqft
2021-12-01 67 days 1,800 sqft
2022-01-01 81 days 1,792 sqft
2022-02-01 86 days 1,862 sqft
2022-03-01 57 days 1,862 sqft
2022-04-01 52 days 1,850 sqft
2022-05-01 51 days 1,942 sqft
BINGHAMTON's median listing age (time on market) for 2022-05-01 was 51 days. This is 13% longer than the same period one year ago.

BINGHAMTON's median square footage for active listings during the 2022-05-01 period was 1,942 sqft. One year prior, the average listing was 1,878 sqft.