Hudson 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 Hudson averaged 6.66% 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 6.71% and one month ago for the week of 2023-10-19, the average rate was 6.8%.

    Hudson's average rate one year ago was 5.88%.

    For refis of the same type during the week of 2023-11-22, the average rate was 6.21%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-11-22 7.29%
    Hudson 30 Year Fixed Rate 2023-11-22 6.66%
    Hudson 30 Year Fixed Rate Refi 2023-11-22 6.21%
    Hudson 15 Year Fixed Rate 2023-11-22 6.87%
    Hudson 15 Year Fixed Rate Refi 2023-11-22 5.72%
    Hudson 30 Year FHA 2023-11-22 0.1%
    Hudson 30 Year FHA Refi 2023-11-22 0.1%
    Hudson 30 Year USDA 2023-11-22 -0.1%
    Hudson 30 Year USDA Refi 2023-11-22 -0.1%
    Hudson 30 Year VA 2023-11-22 -0.1%
    Hudson 30 Year VA Refi 2023-11-22 -0.1%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Hudson, NY.

    Hudson 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 Hudson, 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
    HOMESTEAD FUNDING CORP. 118 4.88% $4,721
    QUICKEN LOANS, LLC 47 4.96% $7,289
    GUARANTEED RATE, INC. 43 4.60% $7,058
    The Bank of Greene County 37 3.79% $6,278
    JPMorgan Chase Bank 30 4.13% $7,459
    KeyBank 26 4.50% $4,539
    Wells Fargo Bank 24 3.79% $6,886
    SEFCU SERVICES, LLC 18 4.11% $4,087
    UNITED WHOLESALE MORTGAGE, LLC 16 5.66% $11,008
    Ulster Savings Bank 16 3.84% $6,336
    TD Bank 13 4.27% $4,337
    TrustCo Bank 12 4.46% $2,086
    CROSSCOUNTRY MORTGAGE, LLC 12 5.56% $11,684
    SUNMARK FEDERAL CREDIT UNION 12 4.39% $3,721
    Bank of America 12 3.81% $4,285
    CALIBER HOME LOANS, INC. 9 4.40% $4,069
    PRIMELENDING, A PLAINSCAPITAL COMPANY 9 4.83% $9,272
    First Republic Bank 8 3.39% $9,285
    Berkshire Bank 8 4.50% $4,037
    Citizens Bank 8 4.41% $7,193
    GREYLOCK 7 3.55% $3,985
    CCFCU FUNDING, LLC 7 4.11% $4,745
    MID-HUDSON VALLEY 6 4.23% $4,549
    U.S. Bank 6 4.63% $8,732
    LOANDEPOT.COM, LLC 6 4.37% $8,606
    Morgan Stanley Private Bank 6 3.58% $8,506
    BETTER MORTGAGE CORPORATION 6 4.23% $8,181
    Mr. Cooper ( Nationstar Mortgage ) 5 4.40% $8,750
    Citibank 5 3.60% $6,467
    HUDSON VALLEY CREDIT UNION 5 4.78% $4,354
    Farm Credit East, ACA 5 5.36% $5,225
    Community Bank 4 5.22% $3,020
    AMERICAN FINANCING CORPORATION 4 3.84% $7,060
    FREEDOM MORTGAGE CORPORATION 4 4.97% $8,330
    UBS Bank USA 3 3.29% $7,208
    City National Bank 3 3.25% $11,676
    HOME POINT FINANCIAL CORPORATION 3 5.29% $8,551
    Premium Mortgage Corporation 3 5.13% $4,435
    Rhinebeck Bank 3 5.33% $4,025
    Charles Schwab Bank, SSB 3 4.23% $4,295
    NEWREZ LLC 2 3.75% $6,111
    BNY Mellon 2 3.69% $4,958
    Carrington Mortgage Services, LLC 2 3.44% $7,891
    CLIFFCO, INC. 2 5.31% $7,652
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.06% $6,468
    FINANCE OF AMERICA MORTGAGE LLC 2 5.87% $17,362
    Flagstar Bank, FSB 2 3.88% $9,975
    FM Home Loans, LLC 2 5.69% $10,188
    M&T Bank 2 4.56% $7,440
    PLAZA HOME MORTGAGE, INC. 2 3.25% $9,348
    ROUNDPOINT MORTGAGE SERVICING CORPORATION 2 4.13% $4,307
    Stifel Bank and Trust 2 5.13% $7,476
    UNITED NORTHERN MORTGAGE BANKERS LIMITED 2 3.75% $5,850
    PENTAGON FEDERAL CREDIT UNION 1 3.13% $3,764
    People's United Bank 1 3.38% $5,781
    PHH Mortgage Corporation 1 6.38% $13,616
    Amalgamated Bank 1 3.25% $4,519
    Kearny Bank 1 4.88% $7,385
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 4.38% $26,598
    GuardHill Financial Corp. 1 4.50% $14,067
    Quontic Bank 1 6.50% $10,466
    Raymond James Bank 1 4.00% $8,326
    First Savings Bank 1 4.38% $6,434
    WALL STREET MORTGAGE BANKERS, LTD. 1 3.75% $8,349
    Santander Bank, N.A. 1 3.50% $4,382
    FIRST NEW YORK 1 4.38% $3,170
    Silicon Valley Bank 1 3.38% $7,195
    Webster Bank 1 3.00% $4,449
    DRAPER AND KRAMER MORTGAGE CORP. 1 3.13% $5,634
    Discover Bank 1 3.49% $0
    TEG Federal Credit Union 1 5.63% $3,982
    DIGITAL Federal Credit Union 1 2.88% $3,750
    TOTAL MORTGAGE SERVICES, LLC 1 4.38% $12,094
    COMMUNITY RESOURCE FEDERAL CREDIT UNION 1 4.75% $4,975
    Chemung Canal Trust Company 1 4.38% $7,837
    Bank of Hope 1 4.88% $21,452
    United Nations Federal Credit Union 1 2.50% $3,701
    Adams Community Bank 1 3.25% $12,358
    MORTGAGE ACCESS CORP. 1 6.63% $5,495
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.38% $821
    NBKC BANK 1 6.75% $5,526
    Actors Federal Credit Union 1 3.00% $4,268
    Northwest Community Bank 1 4.75% $8,651

    Hudson Average Closing Costs & Other Stats

    Hudson, NY's 83 lenders originated 1,566 loans during 2022. The total origination value was $458,590,000, with an average loan value of $292,842.

    Hudson's average closing costs are $5,136.

    The top Hudson lender as defined by loan originations is HOMESTEAD FUNDING CORP., with 118 loans originated. Their average total fees are $4,721, which is $2,568 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Hudson lenders (with over 10 loans originated) are TrustCo Bank ($2,086), SUNMARK FEDERAL CREDIT UNION ($3,721), SEFCU SERVICES, LLC ($4,087), Bank of America ($4,285) and TD Bank ($4,337).

    The lowest rate Hudson lenders (with over 10 loans originated) are Wells Fargo Bank (3.79%), The Bank of Greene County (3.79%), Bank of America (3.81%), Ulster Savings Bank (3.84%) and SEFCU SERVICES, LLC (4.11%).

    Hudson, 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
    HOMESTEAD FUNDING CORP. $74,755,000 $50,465,000 -32.5% 11.0%
    The Bank of Greene County $48,895,000 $44,790,000 -8.4% 9.8%
    GUARANTEED RATE, INC. $27,860,000 $24,860,000 -10.8% 5.4%
    JPMorgan Chase Bank $27,510,000 $24,040,000 -12.6% 5.2%
    QUICKEN LOANS, LLC $53,745,000 $21,160,000 -60.6% 4.6%
    KeyBank $26,425,000 $19,795,000 -25.1% 4.3%
    Wells Fargo Bank $38,310,000 $13,980,000 -63.5% 3.0%
    Citizens Bank $6,495,000 $11,115,000 71.1% 2.4%
    First Republic Bank $7,735,000 $10,850,000 40.3% 2.4%
    STATE EMPLOYEES FEDERAL CREDIT UNION $7,375,000 $10,730,000 45.5% 2.3%
    Ulster Savings Bank $6,105,000 $9,700,000 58.9% 2.1%
    Salisbury Bank and Trust Company $11,345,000 $9,015,000 -20.5% 2.0%
    TrustCo Bank $19,735,000 $8,890,000 -55.0% 1.9%
    Bank of America $16,280,000 $8,670,000 -46.7% 1.9%
    SEFCU SERVICES, LLC $19,685,000 $7,870,000 -60.0% 1.7%
    CROSSCOUNTRY MORTGAGE, LLC $7,575,000 $7,825,000 3.3% 1.7%
    TD Bank $6,395,000 $7,390,000 15.6% 1.6%
    SUNMARK FEDERAL CREDIT UNION $7,210,000 $7,385,000 2.4% 1.6%
    Adams Community Bank $430,000 $7,105,000 1,552.3% 1.5%
    Morgan Stanley Private Bank $3,610,000 $6,995,000 93.8% 1.5%
    UNITED WHOLESALE MORTGAGE, LLC $6,505,000 $6,890,000 5.9% 1.5%
    GREYLOCK $1,210,000 $6,765,000 459.1% 1.5%
    City National Bank $4,100,000 $6,535,000 59.4% 1.4%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $7,720,000 $4,820,000 -37.6% 1.1%
    Rondout Savings Bank $3,135,000 $4,780,000 52.5% 1.0%
    HUDSON VALLEY CREDIT UNION $6,385,000 $4,235,000 -33.7% 0.9%
    U.S. Bank $1,975,000 $4,230,000 114.2% 0.9%
    CALIBER HOME LOANS, INC. $4,580,000 $4,180,000 -8.7% 0.9%
    Berkshire Bank $7,780,000 $4,130,000 -46.9% 0.9%
    LOANDEPOT.COM, LLC $8,835,000 $3,875,000 -56.1% 0.8%
    Citibank $10,460,000 $3,655,000 -65.1% 0.8%
    CCFCU FUNDING, LLC $4,590,000 $3,475,000 -24.3% 0.8%
    M&T Bank $4,705,000 $3,340,000 -29.0% 0.7%
    Community Bank $8,190,000 $2,965,000 -63.8% 0.6%
    CAPITAL COMMUNICATIONS Federal Credit Union $1,450,000 $2,535,000 74.8% 0.6%
    FINANCE OF AMERICA MORTGAGE LLC $475,000 $2,530,000 432.6% 0.6%
    Mr. Cooper ( Nationstar Mortgage ) $6,125,000 $2,515,000 -58.9% 0.5%
    The National Bank of Coxsackie $2,670,000 $2,460,000 -7.9% 0.5%
    Chemung Canal Trust Company $600,000 $2,400,000 300.0% 0.5%
    Stifel Bank and Trust $560,000 $2,360,000 321.4% 0.5%
    BETTER MORTGAGE CORPORATION $5,050,000 $2,320,000 -54.1% 0.5%
    MID-HUDSON VALLEY $2,005,000 $2,315,000 15.5% 0.5%
    Webster Bank $2,170,000 n/a 0.5%
    UBS Bank USA $4,060,000 $2,120,000 -47.8% 0.5%
    Pioneer Bank $955,000 $2,070,000 116.8% 0.5%
    Farm Credit East, ACA $4,375,000 $1,885,000 -56.9% 0.4%
    Charles Schwab Bank, SSB $1,690,000 $1,795,000 6.2% 0.4%
    Raymond James Bank $315,000 $1,795,000 469.8% 0.4%
    Lee Bank $1,105,000 $1,720,000 55.7% 0.4%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $605,000 $1,575,000 160.3% 0.3%
    Silicon Valley Bank $1,465,000 n/a 0.3%
    Wallkill Valley Federal Savings and Loan Association $1,050,000 $1,440,000 37.1% 0.3%
    RELIANCE FIRST CAPITAL, LLC $1,535,000 $1,410,000 -8.1% 0.3%
    Bank of Hope $1,385,000 n/a 0.3%
    HOME POINT FINANCIAL CORPORATION $4,220,000 $1,315,000 -68.8% 0.3%
    BNY Mellon $6,245,000 $1,270,000 -79.7% 0.3%
    Rhinebeck Bank $3,460,000 $1,245,000 -64.0% 0.3%
    ROUNDPOINT MORTGAGE SERVICING CORPORATION $855,000 $1,235,000 44.4% 0.3%
    FREEDOM MORTGAGE CORPORATION $5,080,000 $1,230,000 -75.8% 0.3%
    PLAZA HOME MORTGAGE, INC. $2,000,000 $1,230,000 -38.5% 0.3%
    NBT Bank $2,855,000 $1,135,000 -60.2% 0.2%
    NEWREZ LLC $6,305,000 $1,125,000 -82.2% 0.2%
    UNITED NORTHERN MORTGAGE BANKERS LIMITED $570,000 $1,070,000 87.7% 0.2%
    FIRST NEW YORK $270,000 $1,065,000 294.4% 0.2%
    AMERICAN FINANCING CORPORATION $1,740,000 $1,010,000 -42.0% 0.2%
    CREDIT HUMAN FEDERAL CREDIT UNION $1,025,000 $980,000 -4.4% 0.2%
    PENTAGON FEDERAL CREDIT UNION $1,380,000 $975,000 -29.3% 0.2%
    Valley National Bank $175,000 $955,000 445.7% 0.2%
    Premium Mortgage Corporation $715,000 $935,000 30.8% 0.2%
    Quontic Bank $235,000 $925,000 293.6% 0.2%
    MOVEMENT MORTGAGE, LLC $900,000 n/a 0.2%
    TOTAL MORTGAGE SERVICES, LLC $855,000 $885,000 3.5% 0.2%
    VELOCITY COMMERCIAL CAPITAL, LLC $800,000 n/a 0.2%
    The Pittsfield Co-operative Bank $780,000 n/a 0.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,285,000 $770,000 -66.3% 0.2%
    NBKC BANK $750,000 n/a 0.2%
    FM Home Loans, LLC $1,650,000 $630,000 -61.8% 0.1%
    NAVY FEDERAL CREDIT UNION $1,180,000 $625,000 -47.0% 0.1%
    Mortgage Research Center, LLC $1,555,000 $620,000 -60.1% 0.1%
    Carrington Mortgage Services, LLC $945,000 $595,000 -37.0% 0.1%
    CLIFFCO, INC. $1,240,000 $590,000 -52.4% 0.1%
    PNC Bank $2,435,000 $585,000 -76.0% 0.1%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,695,000 $580,000 -65.8% 0.1%
    Tompkins Trust Company $555,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $405,000 $545,000 34.6% 0.1%
    People's United Bank $1,450,000 $545,000 -62.4% 0.1%
    Kearny Bank $535,000 n/a 0.1%
    Flagstar Bank, FSB $2,005,000 $510,000 -74.6% 0.1%
    RF Renovo Management Company, LLC $445,000 n/a 0.1%
    First Savings Bank $440,000 n/a 0.1%
    MORTGAGE ACCESS CORP. $425,000 n/a 0.1%
    First Hope Bank, A National Banking Association $415,000 n/a 0.1%
    A&D Mortgage LLC $390,000 n/a 0.1%
    Ally Bank $385,000 n/a 0.1%
    GuardHill Financial Corp. $640,000 $375,000 -41.4% 0.1%
    Discover Bank $260,000 $370,000 42.3% 0.1%
    Toyota Financial Savings Bank $355,000 n/a 0.1%
    NATIONWIDE MORTGAGE BANKERS, INC. $660,000 $330,000 -50.0% 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $325,000 n/a 0.1%
    First Central Savings Bank $325,000 n/a 0.1%
    Magnolia Bank $325,000 n/a 0.1%
    TEG Federal Credit Union $815,000 $325,000 -60.1% 0.1%
    Amalgamated Bank $340,000 $315,000 -7.4% 0.1%
    DRAPER AND KRAMER MORTGAGE CORP. $305,000 n/a 0.1%
    PHH Mortgage Corporation $305,000 n/a 0.1%
    Santander Bank, N.A. $1,005,000 $305,000 -69.7% 0.1%
    United Nations Federal Credit Union $305,000 $305,000 0.0% 0.1%
    USAA Federal Savings Bank $1,220,000 $305,000 -75.0% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $300,000 n/a 0.1%
    Genesee Regional Bank $285,000 n/a 0.1%
    LENDINGHOME FUNDING CORPORATION $285,000 n/a 0.1%
    Actors Federal Credit Union $275,000 n/a 0.1%
    Northwest Community Bank $275,000 n/a 0.1%
    Academy Bank $265,000 n/a 0.1%
    WALL STREET MORTGAGE BANKERS, LTD. $545,000 $255,000 -53.2% 0.1%
    LIMA ONE CAPITAL, LLC $245,000 n/a 0.1%
    AMERICAN INTERNET MORTGAGE, INC. $225,000 n/a 0.0%
    HUDSON HERITAGE $190,000 $225,000 18.4% 0.0%
    21ST MORTGAGE CORPORATION $280,000 $220,000 -21.4% 0.0%
    Ballston Spa National Bank $420,000 $215,000 -48.8% 0.0%
    The Federal Savings Bank $490,000 $205,000 -58.2% 0.0%
    First Horizon Bank $175,000 n/a 0.0%
    COMMUNITY RESOURCE FEDERAL CREDIT UNION $145,000 $170,000 17.2% 0.0%
    DIGITAL Federal Credit Union $165,000 n/a 0.0%
    FIRST CREDIT CORPORATION OF NEW YORK, INC. $120,000 $160,000 33.3% 0.0%
    The Northern Trust Company $155,000 n/a 0.0%
    Third Federal Savings and Loan Association of Cleveland $180,000 $145,000 -19.4% 0.0%
    HOME TOWN FUNDING, INC. $135,000 n/a 0.0%
    GREENWOOD $45,000 $105,000 133.3% 0.0%
    Deere Employees Credit Union $305,000 $95,000 -68.9% 0.0%
    ROYAL UNITED MORTGAGE LLC $855,000 $95,000 -88.9% 0.0%
    The People's Credit Union $65,000 n/a 0.0%
    BayCoast Bank $45,000 n/a 0.0%
    Municipal Credit Union $45,000 n/a 0.0%
    AMERICAN ADVISORS GROUP $400,000 $35,000 -91.3% 0.0%

    Hudson's top lender by overall market share is HOMESTEAD FUNDING CORP., with 11.0% market share. In second place, with 9.8%, is The Bank of Greene County, having originated $44,790,000 in loans. In third place, with 5.4%, is GUARANTEED RATE, INC., having originated $24,860,000 in loans. In fourth place, with 5.2%, is JPMorgan Chase Bank, having originated $24,040,000 in loans. In fifth place, with 4.6%, is QUICKEN LOANS, LLC, having originated $21,160,000 in loans.

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

    Realtor.com - Hudson (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 $352,250 (1.5%) $602,202 (4.7%) 0.00 594
    2018-02-01 $351,000 (1.7%) $619,464 (13.0%) 0.00 590
    2018-03-01 $357,450 (3.8%) $628,042 (15.4%) 0.00 579
    2018-04-01 $362,725 (5.9%) $643,058 (15.2%) 0.00 597
    2018-05-01 $376,625 (9.2%) $671,589 (19.5%) 0.00 640
    2018-06-01 $389,000 (8.6%) $673,859 (17.1%) 0.00 719
    2018-07-01 $395,000 (12.9%) $680,764 (14.3%) 0.00 778
    2018-08-01 $396,000 (13.2%) $677,247 (12.9%) 0.00 786
    2018-09-01 $395,000 (12.9%) $666,585 (11.9%) 0.00 764
    2018-10-01 $393,225 (12.4%) $652,765 (8.6%) 0.00 762
    2018-11-01 $379,900 (6.7%) $645,089 (7.1%) 0.00 748
    2018-12-01 $379,900 (7.2%) $646,580 (5.9%) 0.00 672
    2019-01-01 $389,000 (10.4%) $650,766 (8.1%) 0.00 620
    2019-02-01 $377,450 (7.5%) $640,579 (3.4%) 0.00 613
    2019-03-01 $369,571 (3.4%) $627,372 (-0.1%) 0.00 622
    2019-04-01 $369,000 (1.7%) $616,342 (-4.2%) 0.00 640
    2019-05-01 $374,425 (-0.6%) $608,173 (-9.4%) 0.00 695
    2019-06-01 $379,500 (-2.4%) $630,368 (-6.5%) 0.00 750
    2019-07-01 $392,000 (-0.8%) $633,257 (-7.0%) 0.00 778
    2019-08-01 $395,682 (-0.1%) $637,180 (-5.9%) 0.00 777
    2019-09-01 $396,705 (0.4%) $643,564 (-3.5%) 0.00 757
    2019-10-01 $396,386 (0.8%) $646,773 (-0.9%) 0.00 739
    2019-11-01 $395,000 (4.0%) $641,229 (-0.6%) 0.00 685
    2019-12-01 $395,000 (4.0%) $664,085 (2.7%) 0.00 608
    2020-01-01 $390,925 (0.5%) $677,540 (4.1%) 0.00 543
    2020-02-01 $399,000 (5.7%) $689,806 (7.7%) 0.00 527
    2020-03-01 $427,000 (15.5%) $703,212 (12.1%) 0.00 528
    2020-04-01 $429,750 (16.5%) $697,081 (13.1%) 0.00 522
    2020-05-01 $449,000 (19.9%) $712,149 (17.1%) 0.00 500
    2020-06-01 $497,000 (31.0%) $789,728 (25.3%) 0.00 503
    2020-07-01 $499,200 (27.4%) $786,110 (24.1%) 0.00 508
    2020-08-01 $527,000 (33.2%) $847,715 (33.0%) 0.00 487
    2020-09-01 $499,300 (25.9%) $853,375 (32.6%) 0.00 510
    2020-10-01 $497,000 (25.4%) $848,798 (31.2%) 0.00 531
    2020-11-01 $499,000 (26.3%) $858,885 (33.9%) 0.00 493
    2020-12-01 $500,950 (26.8%) $918,825 (38.4%) 0.00 447
    2021-01-01 $537,000 (37.4%) $965,350 (42.5%) 0.00 398
    2021-02-01 $562,500 (41.0%) $976,848 (41.6%) 0.00 362
    2021-03-01 $557,472 (30.6%) $992,348 (41.1%) 0.00 336
    2021-04-01 $574,975 (33.8%) $1,013,698 (45.4%) 0.00 321
    2021-05-01 $559,988 (24.7%) $961,274 (35.0%) 0.00 329
    2021-06-01 $536,500 (8.0%) $882,085 (11.7%) 0.00 356
    2021-07-01 $499,000 (0.0%) $815,701 (3.8%) 0.00 323
    2021-08-01 $492,000 (-6.6%) $812,095 (-4.2%) 0.00 328
    2021-09-01 $493,613 (-1.1%) $807,931 (-5.3%) 0.00 312
    2021-10-01 $499,000 (0.4%) $837,144 (-1.4%) 0.00 305
    2021-11-01 $495,000 (-0.8%) $824,465 (-4.0%) 0.00 288
    2021-12-01 $489,000 (-2.4%) $807,971 (-12.1%) 0.00 269
    2022-01-01 $495,000 (-7.8%) $862,338 (-10.7%) 0.00 225
    2022-02-01 $539,500 (-4.1%) $996,739 (2.0%) 0.00 177
    2022-03-01 $562,250 (0.9%) $984,754 (-0.8%) 0.00 177
    2022-04-01 $549,000 (-4.5%) $983,469 (-3.0%) 0.00 167
    2022-05-01 $554,475 (-1.0%) $931,027 (-3.2%) 0.00 193
    2022-06-01 $597,000 (11.3%) $967,443 (9.7%) 0.00 239
    2022-07-01 $598,700 (20.0%) $1,021,654 (25.3%) 0.00 289
    2022-08-01 $599,500 (21.9%) $1,053,116 (29.7%) 0.00 274
    2022-09-01 $586,000 (18.7%) $1,028,018 (27.2%) 0.00 287
    2022-10-01 $599,900 (20.2%) $1,034,099 (23.5%) 0.00 288
    2022-11-01 $641,250 (29.6%) $1,079,672 (31.0%) 0.00 267
    2022-12-01 $599,900 (22.7%) $1,065,128 (31.8%) 0.00 235
    2023-01-01 $587,250 (18.6%) $998,062 (15.7%) 0.00 201
    2023-02-01 $639,950 (18.6%) $1,061,088 (6.5%) 0.00 191
    2023-03-01 $599,000 (6.5%) $1,038,697 (5.5%) 0.00 193
    2023-04-01 $665,000 (21.1%) $1,144,247 (16.4%) 0.00 199
    2023-05-01 $749,250 (35.1%) $1,155,989 (24.2%) 0.00 218
    2023-06-01 $795,000 (33.2%) $1,289,123 (33.3%) 0.00 238
    2023-07-01 $744,500 (24.4%) $1,281,616 (25.5%) 0.00 265
    2023-08-01 $670,750 (11.9%) $1,200,085 (14.0%) 0.00 301
    2023-09-01 $664,500 (13.4%) $1,137,010 (10.6%) 0.00 315
    2023-10-01 $675,000 (12.5%) $1,146,488 (10.9%) 0.00 325
    Hudson's median listing price for 2023-10-01 was $675,000, a difference of $75,100 (12.5%) versus the prior year and $10,500 versus the prior month.

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

    Hudson's average listing price for 2023-10-01 was $1,146,488, a difference of $112,389 (10.9%) versus the prior year and $9,478 versus the prior month.

    For the 2023-10-01 period, Hudson had 325 MLS listings, a difference of 10 listings (3%) versus the prior month and 37 listings (13%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Hudson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,100 sqft
    2018-02-01 0 days 2,075 sqft
    2018-03-01 0 days 2,049 sqft
    2018-04-01 0 days 2,075 sqft
    2018-05-01 0 days 2,191 sqft
    2018-06-01 0 days 2,209 sqft
    2018-07-01 0 days 2,219 sqft
    2018-08-01 0 days 2,203 sqft
    2018-09-01 0 days 2,245 sqft
    2018-10-01 0 days 2,247 sqft
    2018-11-01 0 days 2,224 sqft
    2018-12-01 0 days 2,202 sqft
    2019-01-01 0 days 2,237 sqft
    2019-02-01 0 days 2,206 sqft
    2019-03-01 0 days 2,164 sqft
    2019-04-01 0 days 2,125 sqft
    2019-05-01 0 days 2,143 sqft
    2019-06-01 0 days 2,148 sqft
    2019-07-01 0 days 2,110 sqft
    2019-08-01 0 days 2,114 sqft
    2019-09-01 0 days 2,123 sqft
    2019-10-01 0 days 2,138 sqft
    2019-11-01 0 days 2,124 sqft
    2019-12-01 0 days 2,148 sqft
    2020-01-01 0 days 2,142 sqft
    2020-02-01 0 days 2,168 sqft
    2020-03-01 0 days 2,209 sqft
    2020-04-01 0 days 2,215 sqft
    2020-05-01 0 days 2,300 sqft
    2020-06-01 0 days 2,354 sqft
    2020-07-01 0 days 2,361 sqft
    2020-08-01 0 days 2,400 sqft
    2020-09-01 0 days 2,400 sqft
    2020-10-01 0 days 2,309 sqft
    2020-11-01 0 days 2,278 sqft
    2020-12-01 0 days 2,350 sqft
    2021-01-01 0 days 2,377 sqft
    2021-02-01 0 days 2,365 sqft
    2021-03-01 0 days 2,340 sqft
    2021-04-01 0 days 2,340 sqft
    2021-05-01 0 days 2,268 sqft
    2021-06-01 0 days 2,229 sqft
    2021-07-01 0 days 2,100 sqft
    2021-08-01 0 days 2,072 sqft
    2021-09-01 0 days 2,000 sqft
    2021-10-01 0 days 2,088 sqft
    2021-11-01 0 days 2,092 sqft
    2021-12-01 0 days 2,098 sqft
    2022-01-01 0 days 2,173 sqft
    2022-02-01 0 days 2,159 sqft
    2022-03-01 0 days 2,194 sqft
    2022-04-01 0 days 2,228 sqft
    2022-05-01 0 days 2,060 sqft
    2022-06-01 0 days 2,074 sqft
    2022-07-01 0 days 2,160 sqft
    2022-08-01 0 days 2,131 sqft
    2022-09-01 0 days 2,106 sqft
    2022-10-01 0 days 2,112 sqft
    2022-11-01 0 days 2,190 sqft
    2022-12-01 0 days 2,150 sqft
    2023-01-01 0 days 2,100 sqft
    2023-02-01 0 days 2,186 sqft
    2023-03-01 0 days 2,100 sqft
    2023-04-01 0 days 2,100 sqft
    2023-05-01 0 days 2,270 sqft
    2023-06-01 0 days 2,345 sqft
    2023-07-01 0 days 2,257 sqft
    2023-08-01 0 days 2,209 sqft
    2023-09-01 0 days 2,200 sqft
    2023-10-01 0 days 2,219 sqft
    Hudson's median listing age (time on market) for 2023-10-01 was 0 days.

    Hudson's median square footage for active listings during the 2023-10-01 period was 2,219 sqft. One year prior, the average listing was 2,112 sqft.

    Hudson, NY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 624 $236,580,000 $379,135
    Home Improvement 282 $40,930,000 $145,142
    Cash Out Refi 270 $78,630,000 $291,222
    Refi 262 $71,410,000 $272,557
    Other 128 $31,040,000 $242,500

    Hudson's most frequently cited loan purpose was Home Purchase, with 624 originations. The 2nd most popular reason was Home Improvement, with 282 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 504 $153,980,000 $305,516
    4-5% 320 $101,810,000 $318,156
    5-6% 284 $69,470,000 $244,613
    2.5-3% 147 $54,825,000 $372,959
    6-7% 116 $30,240,000 $260,690
    <2.5% 89 $16,725,000 $187,921
    7-8% 27 $5,165,000 $191,296
    Over 8% 17 $3,145,000 $185,000

    During 2022, Hudson's most frequently originated rate bucket was 3-4%, with 504 originations.

    Loan Sizing (Hudson, NY MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 591 $166,605,000 $281,904
    $100k-200k 373 $54,395,000 $145,831
    $100,000 or less 306 $17,120,000 $55,948
    $400k-600k 166 $80,350,000 $484,036
    $600k-1000k 83 $59,685,000 $719,096
    $Over $1MM 47 $80,435,000 $1,711,383

    Hudson's loan sizing saw the bucket of loans from $200k-400k with 591 originations, totaling $166,605,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    60-80% 423 $168,225,000 $397,695
    80-100% 361 $132,145,000 $366,053
    20-40% 244 $38,410,000 $157,418
    Under 20% 238 $14,830,000 $62,311
    40-60% 231 $79,175,000 $342,749
    Over 100% 7 $2,255,000 $322,143

    Hudson's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 423 originations, totaling $168,225,000 in origination value.