ITHACA Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Ithaca averaged 6.23% 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 6.63% and one month ago for the week of 2025-05-29, the average rate was 6.65%.

    Ithaca's average rate one year ago was 6.72%.

    For refis of the same type during the week of 2025-07-03, the average rate was 6.77%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-07-03 6.67%
    Ithaca 30 Year Fixed Rate 2025-07-03 6.23%
    Ithaca 30 Year Fixed Rate Refi 2025-07-03 6.77%
    Ithaca 15 Year Fixed Rate 2025-07-03 5.6%
    Ithaca 15 Year Fixed Rate Refi 2025-07-03 5.8%
    Ithaca 30 Year FHA 2025-07-03 0.1%
    Ithaca 30 Year FHA Refi 2025-07-03 0.2%
    Ithaca 30 Year USDA 2025-07-03 -0.1%
    Ithaca 30 Year USDA Refi 2025-07-03 0.2%
    Ithaca 30 Year VA 2025-07-03 -0.2%
    Ithaca 30 Year VA Refi 2025-07-03 0.1%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ITHACA, NY.

    ITHACA 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 ITHACA, 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
    CFCU Community Credit Union 126 5.92% $436
    Tompkins Trust Company 118 6.31% $4,163
    Community Bank 41 6.91% $3,316
    1ST PRIORITY MORTGAGE, INC. 32 6.75% $5,329
    QUICKEN LOANS, LLC 24 6.96% $7,309
    M&T Bank 21 6.53% $5,367
    Alternatives Federal Credit Union 8 5.69% $3,685
    JPMorgan Chase Bank 6 6.58% $3,933
    NAVY FEDERAL CREDIT UNION 6 6.19% $5,318
    MOVEMENT MORTGAGE, LLC 6 7.30% $6,010
    EVERETT FINANCIAL, INC. 5 6.50% $6,861
    AMERICU Credit Union 4 6.41% $4,733
    Morgan Stanley Private Bank 4 6.04% $9,163
    KeyBank 3 6.75% $3,493
    UNITED WHOLESALE MORTGAGE, LLC 3 6.33% $13,480
    Citizens Bank 2 7.19% $6,898
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.75% $8,574
    Chemung Canal Trust Company 2 6.56% $2,929
    CROSSCOUNTRY MORTGAGE, LLC 2 7.50% $7,768
    Farm Credit East, ACA 2 8.00% $4,929
    Genesee Regional Bank 2 6.75% $10,536
    Mr. Cooper ( Nationstar Mortgage ) 2 6.25% $7,413
    NBT Bank 2 5.81% $6,900
    PNC Bank 2 6.00% $6,207
    Premium Mortgage Corporation 2 6.56% $4,228
    Wells Fargo Bank 2 6.69% $10,786
    GUARANTEED RATE, INC. 1 6.63% $6,272
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.99% $9,345
    HOME TOWN FUNDING, INC. 1 6.50% $2,950
    CORNING 1 6.50% $4,961
    CMG MORTGAGE, INC. 1 7.38% $7,087
    LOANDEPOT.COM, LLC 1 5.63% $5,658
    CLIFFCO, INC. 1 6.63% $7,601
    Barrington Bank & Trust Company, N.A. 1 6.99% $3,559
    ABSOLUTE HOME MORTGAGE CORPORATION 1 6.88% $7,365
    Bank of America 1 5.38% $4,522
    ALLIANT CREDIT UNION 1 6.25% $4,942
    NBKC BANK 1 6.63% $3,762
    UBS Bank USA 1 6.50% $7,232
    NEWREZ LLC 1 6.50% $4,469
    PARAGON HOME LOANS INC. 1 6.25% $6,140
    PENNYMAC LOAN SERVICES, LLC 1 7.38% $6,813
    21ST MORTGAGE CORPORATION 1 8.51% $6,837
    USAA Federal Savings Bank 1 7.13% $2,724
    Alerus Financial 1 6.88% $6,876
    Quontic Bank 1 7.75% $12,498
    ROYAL UNITED MORTGAGE LLC 1 6.25% $6,040
    Empower Federal Credit Union 1 5.88% $4,018
    ESL Federal Credit Union 1 6.88% $4,080
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 7.00% $6,409
    TD Bank 1 7.00% $10,500
    First National Bank of Pennsylvania 1 7.00% $5,048
    Five Star Bank 1 6.63% $4,028
    TEACHERS 1 5.75% $13,477

    ITHACA Average Closing Costs & Other Stats

    ITHACA, NY's 54 lenders originated 1,051 loans during 2024. The total origination value was $1,068,195,000, with an average loan value of $1,016,361.

    ITHACA's average closing costs are $3,485.

    The top ITHACA lender as defined by loan originations is CFCU Community Credit Union, with 126 loans originated. Their average total fees are $436, which is $3,727 lower than the next largest lender, Tompkins Trust Company.

    The lowest fee ITHACA lenders (with over 10 loans originated) are CFCU Community Credit Union ($436), Community Bank ($3,316), Tompkins Trust Company ($4,163), 1ST PRIORITY MORTGAGE, INC. ($5,329) and M&T Bank ($5,367).

    The lowest rate ITHACA lenders (with over 10 loans originated) are CFCU Community Credit Union (5.92%), Tompkins Trust Company (6.31%), M&T Bank (6.53%), 1ST PRIORITY MORTGAGE, INC. (6.75%) and Community Bank (6.91%).

    ITHACA, 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
    JONES LANG LASALLE MULTIFAMILY, LLC $359,090,000 $688,450,000 91.7% 64.4%
    Tompkins Trust Company $73,335,000 $85,545,000 16.6% 8.0%
    BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $56,575,000 n/a 5.3%
    CFCU Community Credit Union $50,450,000 $46,540,000 -7.8% 4.4%
    Five Star Bank $440,000 $40,340,000 9,068.2% 3.8%
    Community Bank $26,665,000 $19,475,000 -27.0% 1.8%
    NEXTIER BANK, NATIONAL ASSOCIATION $34,710,000 $18,495,000 -46.7% 1.7%
    1ST PRIORITY MORTGAGE, INC. $9,675,000 $11,350,000 17.3% 1.1%
    M&T Bank $11,585,000 $10,675,000 -7.9% 1.0%
    QUICKEN LOANS, LLC $8,070,000 $9,130,000 13.1% 0.9%
    JPMorgan Chase Bank $1,455,000 $8,280,000 469.1% 0.8%
    M&T Realty Capital Corporation $4,975,000 n/a 0.5%
    Tioga State Bank $4,705,000 $4,705,000 0.0% 0.4%
    NAVY FEDERAL CREDIT UNION $1,680,000 $2,890,000 72.0% 0.3%
    The First National Bank of Groton $2,540,000 $2,485,000 -2.2% 0.2%
    UNITED WHOLESALE MORTGAGE, LLC $1,895,000 $2,395,000 26.4% 0.2%
    Alternatives Federal Credit Union $4,285,000 $2,355,000 -45.0% 0.2%
    Mortgage Research Center, LLC $1,225,000 $2,255,000 84.1% 0.2%
    Chemung Canal Trust Company $13,450,000 $2,240,000 -83.3% 0.2%
    First National Bank of Dryden $2,680,000 $2,150,000 -19.8% 0.2%
    Citizens Bank $1,545,000 $2,085,000 35.0% 0.2%
    EVERETT FINANCIAL, INC. $2,075,000 n/a 0.2%
    MOVEMENT MORTGAGE, LLC $2,580,000 $2,075,000 -19.6% 0.2%
    AMERICU Credit Union $775,000 $2,030,000 161.9% 0.2%
    KeyBank $1,905,000 $1,860,000 -2.4% 0.2%
    Morgan Stanley Private Bank $525,000 $1,680,000 220.0% 0.2%
    Genesee Regional Bank $145,000 $1,270,000 775.9% 0.1%
    VISIONS $2,635,000 $1,195,000 -54.6% 0.1%
    NBT Bank $515,000 $1,170,000 127.2% 0.1%
    PNC Bank $400,000 $1,150,000 187.5% 0.1%
    TD Bank $1,265,000 $935,000 -26.1% 0.1%
    Farm Credit East, ACA $765,000 $930,000 21.6% 0.1%
    Premium Mortgage Corporation $1,535,000 $845,000 -45.0% 0.1%
    CORNING $200,000 $840,000 320.0% 0.1%
    21ST MORTGAGE CORPORATION $765,000 $825,000 7.8% 0.1%
    Bank of America $1,835,000 $810,000 -55.9% 0.1%
    Mr. Cooper ( Nationstar Mortgage ) $85,000 $805,000 847.1% 0.1%
    CROSSCOUNTRY MORTGAGE, LLC $1,460,000 $785,000 -46.2% 0.1%
    The Lyons National Bank $515,000 $660,000 28.2% 0.1%
    FINGER LAKES $150,000 $645,000 330.0% 0.1%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $640,000 n/a 0.1%
    Wells Fargo Bank $2,090,000 $620,000 -70.3% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $45,000 $615,000 1,266.7% 0.1%
    PENNYMAC LOAN SERVICES, LLC $565,000 $600,000 6.2% 0.1%
    UBS Bank USA $595,000 n/a 0.1%
    A&D Mortgage LLC $205,000 $570,000 178.0% 0.1%
    LOANDEPOT.COM, LLC $1,170,000 $510,000 -56.4% 0.0%
    CREDIT UNION MORTGAGE ASSOCIATION, INC. $505,000 n/a 0.0%
    USAA Federal Savings Bank $235,000 $500,000 112.8% 0.0%
    U.S. Bank $485,000 n/a 0.0%
    Discover Bank $180,000 $470,000 161.1% 0.0%
    TEACHERS $445,000 n/a 0.0%
    HOME TOWN FUNDING, INC. $425,000 n/a 0.0%
    FIRST ALLIANCE HOME MORTGAGE, LLC $410,000 n/a 0.0%
    Alerus Financial $385,000 n/a 0.0%
    Carrington Mortgage Services, LLC $340,000 n/a 0.0%
    Flagstar Bank, FSB $155,000 $335,000 116.1% 0.0%
    GUARANTEED RATE, INC. $665,000 $335,000 -49.6% 0.0%
    Quontic Bank $325,000 n/a 0.0%
    STATE EMPLOYEES FEDERAL CREDIT UNION $1,880,000 $325,000 -82.7% 0.0%
    Citizens & Northern Bank $195,000 $305,000 56.4% 0.0%
    NORTHERN CREDIT UNION $295,000 n/a 0.0%
    RELIANCE FIRST CAPITAL, LLC $205,000 $285,000 39.0% 0.0%
    CMG MORTGAGE, INC. $275,000 n/a 0.0%
    ALLIANT CREDIT UNION $265,000 n/a 0.0%
    FINANCE OF AMERICA REVERSE LLC $125,000 $260,000 108.0% 0.0%
    Empower Federal Credit Union $645,000 $250,000 -61.2% 0.0%
    NEWREZ LLC $250,000 n/a 0.0%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $475,000 $235,000 -50.5% 0.0%
    CLIFFCO, INC. $225,000 n/a 0.0%
    COREVEST AMERICAN FINANCE LENDER LLC $225,000 n/a 0.0%
    NBKC BANK $290,000 $225,000 -22.4% 0.0%
    PLAZA HOME MORTGAGE, INC. $185,000 $225,000 21.6% 0.0%
    Barrington Bank & Trust Company, N.A. $430,000 $215,000 -50.0% 0.0%
    ESL Federal Credit Union $215,000 n/a 0.0%
    LONGBRIDGE FINANCIAL, LLC $200,000 n/a 0.0%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $570,000 $195,000 -65.8% 0.0%
    Geddes Federal Savings and Loan Association $235,000 $195,000 -17.0% 0.0%
    The Federal Savings Bank $155,000 $195,000 25.8% 0.0%
    First National Bank of Pennsylvania $185,000 n/a 0.0%
    HOMESTEAD FUNDING CORP. $315,000 $185,000 -41.3% 0.0%
    FREEDOM MORTGAGE CORPORATION $175,000 n/a 0.0%
    PARAGON HOME LOANS INC. $2,885,000 $175,000 -93.9% 0.0%
    ABSOLUTE HOME MORTGAGE CORPORATION $165,000 n/a 0.0%
    SEFCU SERVICES, LLC $635,000 $165,000 -74.0% 0.0%
    ROYAL UNITED MORTGAGE LLC $550,000 $150,000 -72.7% 0.0%
    AFFINITY $145,000 n/a 0.0%
    RF Renovo Management Company, LLC $145,000 n/a 0.0%
    CREDIT HUMAN FEDERAL CREDIT UNION $530,000 $110,000 -79.2% 0.0%
    Cathay Bank $265,000 $105,000 -60.4% 0.0%
    THE SUMMIT Federal Credit Union $75,000 $80,000 6.7% 0.0%
    Citibank $55,000 n/a 0.0%
    FIRST HERITAGE FEDERAL CREDIT UNION $205,000 $35,000 -82.9% 0.0%
    Wayne Bank $75,000 $15,000 -80.0% 0.0%

    ITHACA's top lender by overall market share is JONES LANG LASALLE MULTIFAMILY, LLC, with 64.4% market share. In second place, with 8.0%, is Tompkins Trust Company, having originated $85,545,000 in loans. In third place, with 5.3%, is BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC, having originated $56,575,000 in loans. In fourth place, with 4.4%, is CFCU Community Credit Union, having originated $46,540,000 in loans. In fifth place, with 3.8%, is Five Star Bank, having originated $40,340,000 in loans.

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

    Realtor.com - ITHACA (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 $240,000 (-1.5%) $329,192 (6.6%) 0.00 181
    2018-02-01 $254,725 (-1.3%) $331,638 (1.0%) 0.00 175
    2018-03-01 $268,500 (-3.2%) $334,450 (-1.7%) 0.00 193
    2018-04-01 $264,167 (-5.6%) $328,622 (-3.9%) 0.00 213
    2018-05-01 $284,700 (1.3%) $335,569 (-4.6%) 0.00 238
    2018-06-01 $269,000 (-3.9%) $329,591 (-8.0%) 0.00 266
    2018-07-01 $259,175 (-7.4%) $314,746 (-10.0%) 0.00 270
    2018-08-01 $251,150 (-6.7%) $308,292 (-10.4%) 0.00 274
    2018-09-01 $250,000 (-5.6%) $313,434 (-7.5%) 0.00 267
    2018-10-01 $253,250 (-8.0%) $309,273 (-9.7%) 0.00 247
    2018-11-01 $250,875 (-6.4%) $322,854 (-4.4%) 0.00 218
    2018-12-01 $239,000 (-8.0%) $332,772 (-1.8%) 0.00 190
    2019-01-01 $235,500 (-1.9%) $330,393 (0.4%) 0.00 169
    2019-02-01 $239,450 (-6.0%) $341,703 (3.0%) 0.00 186
    2019-03-01 $261,286 (-2.7%) $366,936 (9.7%) 0.00 216
    2019-04-01 $272,911 (3.3%) $373,016 (13.5%) 0.00 239
    2019-05-01 $271,500 (-4.6%) $375,032 (11.8%) 0.00 254
    2019-06-01 $275,000 (2.2%) $350,098 (6.2%) 0.00 277
    2019-07-01 $274,475 (5.9%) $348,780 (10.8%) 0.00 265
    2019-08-01 $275,182 (9.6%) $347,562 (12.7%) 0.00 261
    2019-09-01 $269,455 (7.8%) $342,292 (9.2%) 0.00 257
    2019-10-01 $262,500 (3.7%) $334,772 (8.2%) 0.00 248
    2019-11-01 $249,250 (-0.7%) $315,415 (-2.3%) 0.00 221
    2019-12-01 $249,900 (4.6%) $325,364 (-2.2%) 0.00 178
    2020-01-01 $249,375 (5.9%) $329,766 (-0.2%) 0.00 148
    2020-02-01 $270,000 (12.8%) $351,654 (2.9%) 0.00 149
    2020-03-01 $276,200 (5.7%) $354,569 (-3.4%) 0.00 170
    2020-04-01 $275,000 (0.8%) $353,236 (-5.3%) 0.00 160
    2020-05-01 $299,000 (10.1%) $373,227 (-0.5%) 0.00 168
    2020-06-01 $292,450 (6.4%) $355,559 (1.6%) 0.00 176
    2020-07-01 $284,950 (3.8%) $344,456 (-1.2%) 0.00 192
    2020-08-01 $280,000 (1.8%) $343,513 (-1.2%) 0.00 171
    2020-09-01 $281,225 (4.4%) $363,421 (6.2%) 0.00 146
    2020-10-01 $283,700 (8.1%) $366,626 (9.5%) 0.00 132
    2020-11-01 $271,450 (8.9%) $388,797 (23.3%) 0.00 128
    2020-12-01 $272,625 (9.1%) $397,365 (22.1%) 0.00 118
    2021-01-01 $294,000 (17.9%) $451,170 (36.8%) 0.00 91
    2021-02-01 $298,875 (10.7%) $440,031 (25.1%) 0.00 82
    2021-03-01 $302,000 (9.3%) $422,499 (19.2%) 0.00 67
    2021-04-01 $298,000 (8.4%) $420,636 (19.1%) 0.00 67
    2021-05-01 $300,000 (0.3%) $435,973 (16.8%) 0.00 82
    2021-06-01 $296,000 (1.2%) $402,824 (13.3%) 0.00 77
    2021-07-01 $266,950 (-6.3%) $368,824 (7.1%) 0.00 87
    2021-08-01 $292,500 (4.5%) $401,818 (17.0%) 0.00 87
    2021-09-01 $274,000 (-2.6%) $394,802 (8.6%) 0.00 73
    2021-10-01 $275,000 (-3.1%) $384,559 (4.9%) 0.00 57
    2021-11-01 $288,000 (6.1%) $387,499 (-0.3%) 0.00 61
    2021-12-01 $291,500 (6.9%) $383,974 (-3.4%) 0.00 41
    2022-01-01 $327,000 (11.2%) $437,976 (-2.9%) 0.00 37
    2022-02-01 $355,000 (18.8%) $429,471 (-2.4%) 0.00 41
    2022-03-01 $394,250 (30.6%) $477,373 (13.0%) 0.00 58
    2022-04-01 $375,000 (25.8%) $468,457 (11.4%) 0.00 64
    2022-05-01 $383,725 (27.9%) $492,394 (12.9%) 0.00 81
    2022-06-01 $352,450 (19.1%) $472,688 (17.3%) 0.00 91
    2022-07-01 $345,000 (29.2%) $440,729 (19.5%) 0.00 108
    2022-08-01 $333,725 (14.1%) $450,200 (12.0%) 0.00 105
    2022-09-01 $319,950 (16.8%) $439,609 (11.4%) 0.00 106
    2022-10-01 $317,450 (15.4%) $453,546 (17.9%) 0.00 95
    2022-11-01 $327,450 (13.7%) $488,629 (26.1%) 0.00 72
    2022-12-01 $325,000 (11.5%) $492,158 (28.2%) 0.00 67
    2023-01-01 $356,250 (8.9%) $518,093 (18.3%) 0.00 43
    2023-02-01 $376,725 (6.1%) $534,104 (24.4%) 0.00 51
    2023-03-01 $386,750 (-1.9%) $545,365 (14.2%) 0.00 61
    2023-04-01 $447,000 (19.2%) $599,029 (27.9%) 0.00 70
    2023-05-01 $413,700 (7.8%) $567,570 (15.3%) 0.00 72
    2023-06-01 $417,500 (18.5%) $548,951 (16.1%) 0.00 73
    2023-07-01 $349,450 (1.3%) $474,137 (7.6%) 0.00 75
    2023-08-01 $328,750 (-1.5%) $457,284 (1.6%) 0.00 86
    2023-09-01 $334,999 (4.7%) $463,283 (5.4%) 0.00 70
    2023-10-01 $334,999 (5.5%) $494,068 (8.9%) 0.00 68
    2023-11-01 $360,700 (10.2%) $506,185 (3.6%) 0.00 67
    2023-12-01 $349,000 (7.4%) $445,168 (-9.6%) 0.00 77
    2024-01-01 $345,277 (-3.1%) $481,381 (-7.1%) 0.00 49
    2024-02-01 $380,000 (0.9%) $521,391 (-2.4%) 0.00 52
    2024-03-01 $385,000 (-0.5%) $530,094 (-2.8%) 0.00 53
    2024-04-01 $392,500 (-12.2%) $530,299 (-11.5%) 0.00 78
    2024-05-01 $454,750 (9.9%) $568,914 (0.2%) 0.00 98
    2024-06-01 $425,000 (1.8%) $539,049 (-1.8%) 0.00 101
    2024-07-01 $431,175 (23.4%) $536,097 (13.1%) 0.00 103
    2024-08-01 $399,000 (21.4%) $527,441 (15.3%) 0.00 102
    2024-09-01 $398,250 (18.9%) $521,563 (12.6%) 0.00 96
    2024-10-01 $398,750 (19.0%) $515,219 (4.3%) 0.00 97
    2024-11-01 $396,950 (10.1%) $509,383 (0.6%) 0.00 96
    2024-12-01 $402,450 (15.3%) $525,769 (18.1%) 0.00 84
    2025-01-01 $434,875 (26.0%) $551,358 (14.5%) 0.00 65
    2025-02-01 $450,000 (18.4%) $576,385 (10.6%) 0.00 64
    2025-03-01 $493,250 (28.1%) $603,394 (13.8%) 0.00 88
    2025-04-01 $484,125 (23.3%) $595,765 (12.3%) 0.00 101
    2025-05-01 $472,000 (3.8%) $601,379 (5.7%) 0.00 118
    ITHACA's median listing price for 2025-05-01 was $472,000, a difference of $17,250 (3.8%) versus the prior year and $-12,125 versus the prior month.

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

    ITHACA's average listing price for 2025-05-01 was $601,379, a difference of $32,465 (5.7%) versus the prior year and $5,614 versus the prior month.

    For the 2025-05-01 period, ITHACA had 118 MLS listings, a difference of 17 listings (17%) versus the prior month and 20 listings (20%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - ITHACA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,990 sqft
    2018-02-01 0 days 1,980 sqft
    2018-03-01 0 days 2,056 sqft
    2018-04-01 0 days 2,009 sqft
    2018-05-01 0 days 2,036 sqft
    2018-06-01 0 days 2,020 sqft
    2018-07-01 0 days 1,975 sqft
    2018-08-01 0 days 1,958 sqft
    2018-09-01 0 days 1,968 sqft
    2018-10-01 0 days 2,003 sqft
    2018-11-01 0 days 1,911 sqft
    2018-12-01 0 days 1,828 sqft
    2019-01-01 0 days 1,798 sqft
    2019-02-01 0 days 1,793 sqft
    2019-03-01 0 days 1,957 sqft
    2019-04-01 0 days 2,028 sqft
    2019-05-01 0 days 1,963 sqft
    2019-06-01 0 days 1,940 sqft
    2019-07-01 0 days 2,016 sqft
    2019-08-01 0 days 2,070 sqft
    2019-09-01 0 days 2,103 sqft
    2019-10-01 0 days 2,120 sqft
    2019-11-01 0 days 2,046 sqft
    2019-12-01 0 days 2,005 sqft
    2020-01-01 0 days 2,051 sqft
    2020-02-01 0 days 2,012 sqft
    2020-03-01 0 days 1,927 sqft
    2020-04-01 0 days 1,892 sqft
    2020-05-01 0 days 1,946 sqft
    2020-06-01 0 days 1,984 sqft
    2020-07-01 0 days 1,968 sqft
    2020-08-01 0 days 2,030 sqft
    2020-09-01 0 days 2,036 sqft
    2020-10-01 0 days 2,072 sqft
    2020-11-01 0 days 2,061 sqft
    2020-12-01 0 days 2,077 sqft
    2021-01-01 0 days 2,207 sqft
    2021-02-01 0 days 2,063 sqft
    2021-03-01 0 days 1,943 sqft
    2021-04-01 0 days 1,784 sqft
    2021-05-01 0 days 1,860 sqft
    2021-06-01 0 days 1,844 sqft
    2021-07-01 0 days 1,794 sqft
    2021-08-01 0 days 1,925 sqft
    2021-09-01 0 days 1,832 sqft
    2021-10-01 0 days 1,804 sqft
    2021-11-01 0 days 1,867 sqft
    2021-12-01 0 days 1,920 sqft
    2022-01-01 0 days 2,106 sqft
    2022-02-01 0 days 2,273 sqft
    2022-03-01 0 days 2,077 sqft
    2022-04-01 0 days 2,054 sqft
    2022-05-01 0 days 2,093 sqft
    2022-06-01 0 days 2,063 sqft
    2022-07-01 0 days 2,088 sqft
    2022-08-01 0 days 2,039 sqft
    2022-09-01 0 days 1,957 sqft
    2022-10-01 0 days 1,883 sqft
    2022-11-01 0 days 2,161 sqft
    2022-12-01 0 days 2,129 sqft
    2023-01-01 0 days 2,418 sqft
    2023-02-01 0 days 2,561 sqft
    2023-03-01 0 days 2,556 sqft
    2023-04-01 0 days 2,685 sqft
    2023-05-01 0 days 2,472 sqft
    2023-06-01 0 days 2,472 sqft
    2023-07-01 0 days 2,180 sqft
    2023-08-01 0 days 1,918 sqft
    2023-09-01 0 days 1,857 sqft
    2023-10-01 0 days 2,120 sqft
    2023-11-01 0 days 2,203 sqft
    2023-12-01 0 days 2,018 sqft
    2024-01-01 0 days 2,052 sqft
    2024-02-01 0 days 2,030 sqft
    2024-03-01 0 days 1,992 sqft
    2024-04-01 0 days 2,029 sqft
    2024-05-01 0 days 2,188 sqft
    2024-06-01 0 days 2,160 sqft
    2024-07-01 0 days 2,138 sqft
    2024-08-01 0 days 1,972 sqft
    2024-09-01 0 days 1,906 sqft
    2024-10-01 0 days 1,924 sqft
    2024-11-01 0 days 1,962 sqft
    2024-12-01 0 days 2,043 sqft
    2025-01-01 0 days 2,198 sqft
    2025-02-01 0 days 2,290 sqft
    2025-03-01 0 days 2,363 sqft
    2025-04-01 0 days 2,360 sqft
    2025-05-01 0 days 2,240 sqft
    ITHACA's median listing age (time on market) for 2025-05-01 was 0 days.

    ITHACA's median square footage for active listings during the 2025-05-01 period was 2,240 sqft. One year prior, the average listing was 2,188 sqft.

    ITHACA, NY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 602 $240,840,000 $400,066
    Home Improvement 181 $21,295,000 $117,652
    Other 107 $11,725,000 $109,579
    Refi 92 $87,740,000 $953,696
    Cash Out Refi 69 $706,595,000 $10,240,507

    Ithaca's most frequently cited loan purpose was Home Purchase, with 602 originations. The 2nd most popular reason was Home Improvement, with 181 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 378 $842,060,000 $2,227,672
    5-6% 217 $65,645,000 $302,512
    7-8% 153 $53,975,000 $352,778
    3-4% 108 $16,170,000 $149,722
    Over 8% 96 $11,150,000 $116,146
    4-5% 7 $1,335,000 $190,714
    <2.5% 3 $175,000 $58,333

    During 2024, Ithaca's most frequently originated rate bucket was 6-7%, with 378 originations.

    Loan Sizing (ITHACA, NY MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 387 $106,465,000 $275,103
    $100k-200k 263 $38,335,000 $145,760
    $100,000 or less 255 $14,195,000 $55,667
    $400k-600k 100 $47,430,000 $474,300
    $600k-1000k 31 $22,135,000 $714,032
    $Over $1MM 15 $839,635,000 $55,975,667

    ITHACA's loan sizing saw the bucket of loans from $200k-400k with 387 originations, totaling $106,465,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 325 $101,735,000 $313,031
    60-80% 211 $105,135,000 $498,270
    20-40% 158 $39,320,000 $248,861
    Under 20% 151 $11,685,000 $77,384
    40-60% 112 $43,310,000 $386,696
    Over 100% 4 $689,270,000 $172,317,500

    ITHACA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 325 originations, totaling $101,735,000 in origination value.