Jamestown - Dunkirk - Fredonia 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 Jamestown - Dunkirk - Fredonia averaged 6.44% for the week of 2023-05-25, compared to the national average of 6.57% for the same period.

    The average rate for the prior week (2023-05-18) was 6.26% and one month ago for the week of 2023-04-20, the average rate was 6.36%.

    Jamestown - Dunkirk - Fredonia's average rate one year ago was 5.02%.

    For refis of the same type during the week of 2023-05-25, the average rate was 5.74%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-05-25 6.57%
    Jamestown - Dunkirk - Fredonia 30 Year Fixed Rate 2023-05-25 6.44%
    Jamestown - Dunkirk - Fredonia 30 Year Fixed Rate Refi 2023-05-25 5.74%
    Jamestown - Dunkirk - Fredonia 15 Year Fixed Rate 2023-05-25 5.94%
    Jamestown - Dunkirk - Fredonia 15 Year Fixed Rate Refi 2023-05-25 6.37%
    Jamestown - Dunkirk - Fredonia 30 Year FHA 2023-05-25 6.01%
    Jamestown - Dunkirk - Fredonia 30 Year FHA Refi 2023-05-25 6.51%
    Jamestown - Dunkirk - Fredonia 30 Year USDA 2023-05-25 6.73%
    Jamestown - Dunkirk - Fredonia 30 Year USDA Refi 2023-05-25 6.83%
    Jamestown - Dunkirk - Fredonia 30 Year VA 2023-05-25 6.05%
    Jamestown - Dunkirk - Fredonia 30 Year VA Refi 2023-05-25 6.61%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Jamestown-Dunkirk-Fredonia, NY.

    Jamestown - Dunkirk - Fredonia 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 Jamestown-Dunkirk-Fredonia, 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
    Community Bank 156 5.43% $701
    Northwest Bank 74 5.18% $3,948
    QUICKEN LOANS, LLC 70 5.11% $6,066
    M&T Bank 69 4.73% $4,139
    KeyBank 31 4.96% $3,605
    PRIMELENDING, A PLAINSCAPITAL COMPANY 27 5.27% $5,771
    HOMESTEAD FUNDING CORP. 23 5.27% $4,188
    Farm Credit East, ACA 19 5.58% $6,404
    GREATER WOODLAWN FEDERAL CREDIT UNION 18 4.29% $3,817
    Premium Mortgage Corporation 17 5.26% $3,913
    Wells Fargo Bank 13 4.84% $4,284
    UNITED WHOLESALE MORTGAGE, LLC 13 4.96% $6,287
    Five Star Bank 9 5.19% $3,027
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 5.27% $5,962
    1ST PRIORITY MORTGAGE, INC. 9 4.06% $4,196
    Bank of America 7 5.16% $4,916
    CALIBER HOME LOANS, INC. 6 3.95% $4,959
    JPMorgan Chase Bank 5 5.60% $2,634
    GUARANTEED RATE, INC. 4 5.03% $7,510
    Citizens Bank 4 4.00% $4,682
    CROSSCOUNTRY MORTGAGE, LLC 4 5.75% $5,076
    Morgan Stanley Private Bank 4 4.36% $5,158
    LOANDEPOT.COM, LLC 4 4.28% $4,002
    Mr. Cooper ( Nationstar Mortgage ) 3 5.13% $5,647
    ROYAL UNITED MORTGAGE LLC 3 4.38% $5,318
    The Huntington National Bank 3 5.45% $6,215
    HUNT MORTGAGE CORPORATION 3 4.71% $6,717
    NAVY FEDERAL CREDIT UNION 3 5.71% $6,247
    CNB Bank 3 4.08% $3,799
    21ST MORTGAGE CORPORATION 2 7.58% $7,442
    Centra Credit Union 2 4.50% $3,820
    MOVEMENT MORTGAGE, LLC 2 6.47% $4,732
    Municipal Credit Union 2 5.13% $3,313
    NEWREZ LLC 2 5.31% $4,549
    North American Savings Bank, F.S.B. 2 5.25% $1,819
    PNC Bank 2 3.25% $6,611
    AMERICAN FINANCING CORPORATION 2 4.25% $4,497
    U.S. Bank 2 6.88% $5,379
    Flagstar Bank, FSB 1 3.31% $3,113
    TOTAL MORTGAGE SERVICES, LLC 1 7.25% $5,350
    First Federal Bank 1 5.38% $4,744
    Fifth Third Bank 1 3.63% $4,338
    Community First National Bank 1 4.00% $4,919
    Carrington Mortgage Services, LLC 1 5.50% $6,732
    Unity Bank 1 7.25% $17,412
    USAA Federal Savings Bank 1 3.25% $3,201
    Northpointe Bank 1 6.13% $4,440
    Armed Forces Bank 1 3.63% $1,840
    OWNERSCHOICE FUNDING, INCORPORATED 1 7.63% $4,059
    Peoples Bank 1 4.25% $6,374
    PLANET HOME LENDING, LLC 1 6.99% $8,543
    Colonial Savings, F.A. 1 4.50% $6,184
    PREMIA MORTGAGE, LLC 1 5.23% $7,664
    US MORTGAGE CORPORATION 1 4.25% $4,457
    Ally Bank 1 4.50% $10,409
    EVERETT FINANCIAL, INC. 1 5.88% $1,817
    Quontic Bank 1 8.00% $19,596
    Evans Bank 1 5.50% $2,934
    Sanibel Captiva Community Bank 1 7.00% $3,108
    State Department Federal Credit Union 1 5.25% $4,525
    EagleBank 1 3.13% $3,910
    The Union Bank Company 1 5.88% $8,153
    Tompkins Trust Company 1 3.50% $3,359
    HOME POINT FINANCIAL CORPORATION 1 5.88% $4,660
    HOME TOWN FUNDING, INC. 1 4.50% $1,287
    GUARANTEED RATE AFFINITY, LLC 1 6.38% $4,964
    CARDINAL FINANCIAL 1 3.88% $3,086
    BETTER MORTGAGE CORPORATION 1 4.88% $7,416
    Genesee Regional Bank 1 5.38% $3,741
    MID-ISLAND MORTGAGE CORP. 1 5.50% $3,189

    Jamestown - Dunkirk - Fredonia Average Closing Costs & Other Stats

    Jamestown-Dunkirk-Fredonia, NY's 70 lenders originated 2,171 loans during 2022. The total origination value was $297,505,000, with an average loan value of $137,036.

    Jamestown - Dunkirk - Fredonia's average closing costs are $3,799.

    The top Jamestown - Dunkirk - Fredonia lender as defined by loan originations is Community Bank, with 156 loans originated. Their average total fees are $701, which is $3,248 lower than the next largest lender, Northwest Bank.

    The lowest fee Jamestown - Dunkirk - Fredonia lenders (with over 10 loans originated) are Community Bank ($701), KeyBank ($3,605), GREATER WOODLAWN FEDERAL CREDIT UNION ($3,817), Premium Mortgage Corporation ($3,913) and Northwest Bank ($3,948).

    The lowest rate Jamestown - Dunkirk - Fredonia lenders (with over 10 loans originated) are GREATER WOODLAWN FEDERAL CREDIT UNION (4.29%), M&T Bank (4.73%), Wells Fargo Bank (4.84%), KeyBank (4.96%) and UNITED WHOLESALE MORTGAGE, LLC (4.96%).

    Jamestown-Dunkirk-Fredonia, 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
    Community Bank $50,155,000 $45,775,000 -8.7% 15.4%
    M&T Bank $43,505,000 $31,680,000 -27.2% 10.6%
    QUICKEN LOANS, LLC $50,585,000 $30,375,000 -40.0% 10.2%
    Lake Shore Savings Bank $30,270,000 $29,500,000 -2.5% 9.9%
    Northwest Bank $27,725,000 $24,650,000 -11.1% 8.3%
    KeyBank $14,560,000 $13,490,000 -7.3% 4.5%
    Cattaraugus County Bank $7,855,000 $9,035,000 15.0% 3.0%
    HOMESTEAD FUNDING CORP. $6,770,000 $7,165,000 5.8% 2.4%
    Farm Credit East, ACA $4,675,000 $6,440,000 37.8% 2.2%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $6,190,000 $6,260,000 1.1% 2.1%
    Evans Bank $1,300,000 $5,810,000 346.9% 2.0%
    UNITED WHOLESALE MORTGAGE, LLC $5,210,000 $5,095,000 -2.2% 1.7%
    Wells Fargo Bank $7,530,000 $4,780,000 -36.5% 1.6%
    Premium Mortgage Corporation $7,530,000 $4,125,000 -45.2% 1.4%
    Citizens Bank $4,150,000 $3,570,000 -14.0% 1.2%
    Mortgage Research Center, LLC $2,765,000 $3,450,000 24.8% 1.2%
    GREATER WOODLAWN FEDERAL CREDIT UNION $1,940,000 $3,100,000 59.8% 1.0%
    PNC Bank $6,240,000 $3,090,000 -50.5% 1.0%
    CNB Bank $4,350,000 $2,765,000 -36.4% 0.9%
    JPMorgan Chase Bank $3,855,000 $2,585,000 -32.9% 0.9%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $430,000 $2,370,000 451.2% 0.8%
    1ST PRIORITY MORTGAGE, INC. $5,935,000 $2,245,000 -62.2% 0.8%
    The Upstate National Bank $820,000 $2,170,000 164.6% 0.7%
    Western Division FCU $2,135,000 n/a 0.7%
    Bank of America $4,100,000 $2,045,000 -50.1% 0.7%
    GUARANTEED RATE, INC. $865,000 $2,020,000 133.5% 0.7%
    Five Star Bank $4,075,000 $1,860,000 -54.4% 0.6%
    CALIBER HOME LOANS, INC. $2,100,000 $1,715,000 -18.3% 0.6%
    CROSSCOUNTRY MORTGAGE, LLC $1,495,000 $1,700,000 13.7% 0.6%
    USAA Federal Savings Bank $1,090,000 $1,565,000 43.6% 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $2,565,000 $1,455,000 -43.3% 0.5%
    Morgan Stanley Private Bank $1,370,000 n/a 0.5%
    Bank of Holland $1,305,000 n/a 0.4%
    The Huntington National Bank $3,830,000 $1,305,000 -65.9% 0.4%
    HOME TOWN FUNDING, INC. $575,000 $1,270,000 120.9% 0.4%
    LOANDEPOT.COM, LLC $3,950,000 $1,220,000 -69.1% 0.4%
    HUNT MORTGAGE CORPORATION $2,110,000 $1,195,000 -43.4% 0.4%
    MOVEMENT MORTGAGE, LLC $1,050,000 $1,130,000 7.6% 0.4%
    Barrington Bank & Trust Company, N.A. $1,855,000 $1,085,000 -41.5% 0.4%
    NAVY FEDERAL CREDIT UNION $1,755,000 $1,000,000 -43.0% 0.3%
    AMERICU Credit Union $945,000 n/a 0.3%
    ROYAL UNITED MORTGAGE LLC $600,000 $920,000 53.3% 0.3%
    21ST MORTGAGE CORPORATION $620,000 $740,000 19.4% 0.2%
    FREEDOM MORTGAGE CORPORATION $1,090,000 $675,000 -38.1% 0.2%
    HOME POINT FINANCIAL CORPORATION $2,030,000 $665,000 -67.2% 0.2%
    Flagstar Bank, FSB $390,000 $655,000 67.9% 0.2%
    PLAZA HOME MORTGAGE, INC. $1,150,000 $580,000 -49.6% 0.2%
    Centra Credit Union $1,340,000 $560,000 -58.2% 0.2%
    PLANET HOME LENDING, LLC $560,000 n/a 0.2%
    EagleBank $535,000 n/a 0.2%
    The Federal Savings Bank $525,000 n/a 0.2%
    Unity Bank $515,000 n/a 0.2%
    Quontic Bank $135,000 $505,000 274.1% 0.2%
    First Federal Bank $290,000 $500,000 72.4% 0.2%
    EVERETT FINANCIAL, INC. $490,000 n/a 0.2%
    Greenville Savings Bank $485,000 n/a 0.2%
    North American Savings Bank, F.S.B. $485,000 n/a 0.2%
    First National Bank of Pennsylvania $3,385,000 $465,000 -86.3% 0.2%
    Equity Prime Mortgage LLC $165,000 $450,000 172.7% 0.2%
    NEWREZ LLC $2,675,000 $450,000 -83.2% 0.2%
    SSB Bank $445,000 n/a 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $125,000 $440,000 252.0% 0.1%
    Peoples Bank $395,000 n/a 0.1%
    CORRY FEDERAL CREDIT UNION $195,000 $380,000 94.9% 0.1%
    Tompkins Trust Company $370,000 n/a 0.1%
    The Union Bank Company $365,000 n/a 0.1%
    U.S. Bank $2,205,000 $360,000 -83.7% 0.1%
    Carrington Mortgage Services, LLC $335,000 $355,000 6.0% 0.1%
    Alden State Bank $445,000 $340,000 -23.6% 0.1%
    LENDINGHOME FUNDING CORPORATION $140,000 $300,000 114.3% 0.1%
    RELIANCE FIRST CAPITAL, LLC $300,000 $290,000 -3.3% 0.1%
    Ally Bank $285,000 n/a 0.1%
    GUARANTEED RATE AFFINITY, LLC $285,000 n/a 0.1%
    Genesee Regional Bank $270,000 n/a 0.1%
    Colonial Savings, F.A. $255,000 n/a 0.1%
    Dollar Bank, Federal Savings Bank $255,000 n/a 0.1%
    PENTAGON FEDERAL CREDIT UNION $250,000 n/a 0.1%
    PREMIA MORTGAGE, LLC $245,000 n/a 0.1%
    LIMA ONE CAPITAL, LLC $105,000 $235,000 123.8% 0.1%
    First Savings Bank $225,000 n/a 0.1%
    BETTER MORTGAGE CORPORATION $855,000 $215,000 -74.9% 0.1%
    MidAtlantic Farm Credit, ACA $215,000 n/a 0.1%
    MID-ISLAND MORTGAGE CORP. $215,000 n/a 0.1%
    Municipal Credit Union $210,000 n/a 0.1%
    Discover Bank $275,000 $205,000 -25.5% 0.1%
    Empower Federal Credit Union $255,000 $205,000 -19.6% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $115,000 $200,000 73.9% 0.1%
    AMERICAN FINANCING CORPORATION $380,000 $190,000 -50.0% 0.1%
    TOTAL MORTGAGE SERVICES, LLC $185,000 n/a 0.1%
    Citadel Servicing Corporation $165,000 n/a 0.1%
    FIRST ALLIANCE HOME MORTGAGE, LLC $155,000 $165,000 6.5% 0.1%
    Fifth Third Bank $185,000 $155,000 -16.2% 0.1%
    Bank of England $115,000 $145,000 26.1% 0.0%
    STATE EMPLOYEES FEDERAL CREDIT UNION $145,000 n/a 0.0%
    US MORTGAGE CORPORATION $135,000 $145,000 7.4% 0.0%
    CAPITAL COMMUNICATIONS Federal Credit Union $135,000 n/a 0.0%
    FINANCE OF AMERICA REVERSE LLC $350,000 $135,000 -61.4% 0.0%
    Sanibel Captiva Community Bank $135,000 n/a 0.0%
    THRIVENT Federal Credit Union $135,000 n/a 0.0%
    OWNERSCHOICE FUNDING, INCORPORATED $3,540,000 $125,000 -96.5% 0.0%
    Financial Trust $105,000 n/a 0.0%
    Northpointe Bank $240,000 $105,000 -56.3% 0.0%
    Armed Forces Bank $95,000 n/a 0.0%
    Community First National Bank $85,000 n/a 0.0%
    State Department Federal Credit Union $85,000 n/a 0.0%
    FINANCE OF AMERICA MORTGAGE LLC $75,000 n/a 0.0%
    TD Bank $75,000 n/a 0.0%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $105,000 $65,000 -38.1% 0.0%
    NETWORK CAPITAL FUNDING CORPORATION $65,000 n/a 0.0%
    AMERICAN ADVISORS GROUP $160,000 $55,000 -65.6% 0.0%
    First National Bank of America $45,000 n/a 0.0%
    St Joseph's Parish Buffalo Federal Credit Union $205,000 $25,000 -87.8% 0.0%
    UTILITIES EMPLOYEES CREDIT UNION $25,000 n/a 0.0%
    Home Loan Investment Bank, F.S.B. $15,000 n/a 0.0%

    Jamestown - Dunkirk - Fredonia's top lender by overall market share is Community Bank, with 15.4% market share. In second place, with 10.6%, is M&T Bank, having originated $31,680,000 in loans. In third place, with 10.2%, is QUICKEN LOANS, LLC, having originated $30,375,000 in loans. In fourth place, with 9.9%, is Lake Shore Savings Bank, having originated $29,500,000 in loans. In fifth place, with 8.3%, is Northwest Bank, having originated $24,650,000 in loans.

    Jamestown - Dunkirk - Fredonia Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Jamestown - Dunkirk - Fredonia (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 $119,400 (13.8%) $189,347 (8.2%) 0.00 571
    2018-02-01 $115,475 (5.8%) $196,736 (10.1%) 0.00 588
    2018-03-01 $125,000 (8.8%) $211,385 (15.6%) 0.00 563
    2018-04-01 $129,900 (13.0%) $216,001 (13.3%) 0.00 574
    2018-05-01 $140,562 (20.8%) $222,293 (17.0%) 0.00 595
    2018-06-01 $145,000 (21.4%) $224,265 (18.2%) 0.00 673
    2018-07-01 $149,900 (25.0%) $232,512 (24.0%) 0.00 690
    2018-08-01 $149,900 (20.5%) $227,637 (22.3%) 0.00 696
    2018-09-01 $141,400 (17.9%) $222,262 (22.9%) 0.00 725
    2018-10-01 $142,925 (19.2%) $220,724 (21.1%) 0.00 688
    2018-11-01 $139,850 (16.5%) $220,637 (17.4%) 0.00 633
    2018-12-01 $139,900 (16.6%) $223,219 (17.8%) 0.00 561
    2019-01-01 $139,900 (17.2%) $218,583 (15.4%) 0.00 517
    2019-02-01 $142,400 (23.3%) $218,528 (11.1%) 0.00 501
    2019-03-01 $149,900 (19.9%) $232,730 (10.1%) 0.00 492
    2019-04-01 $159,900 (23.1%) $240,576 (11.4%) 0.00 504
    2019-05-01 $159,450 (13.4%) $241,265 (8.5%) 0.00 535
    2019-06-01 $164,900 (13.7%) $236,885 (5.6%) 0.00 572
    2019-07-01 $159,900 (6.7%) $238,475 (2.6%) 0.00 632
    2019-08-01 $159,900 (6.7%) $237,815 (4.5%) 0.00 639
    2019-09-01 $159,000 (12.5%) $239,722 (7.9%) 0.00 603
    2019-10-01 $149,700 (4.7%) $226,977 (2.8%) 0.00 582
    2019-11-01 $139,900 (0.0%) $220,916 (0.1%) 0.00 557
    2019-12-01 $148,125 (5.9%) $225,336 (1.0%) 0.00 520
    2020-01-01 $149,675 (7.0%) $228,378 (4.5%) 0.00 464
    2020-02-01 $148,750 (4.5%) $229,838 (5.2%) 0.00 442
    2020-03-01 $148,388 (-1.0%) $233,340 (0.3%) 0.00 437
    2020-04-01 $154,413 (-3.4%) $242,180 (0.7%) 0.00 413
    2020-05-01 $169,900 (6.6%) $262,353 (8.7%) 0.00 382
    2020-06-01 $173,975 (5.5%) $260,424 (9.9%) 0.00 392
    2020-07-01 $179,000 (11.9%) $263,777 (10.6%) 0.00 358
    2020-08-01 $179,900 (12.5%) $260,609 (9.6%) 0.00 280
    2020-09-01 $169,900 (6.9%) $241,298 (0.7%) 0.00 271
    2020-10-01 $156,375 (4.5%) $231,336 (1.9%) 0.00 290
    2020-11-01 $149,900 (7.2%) $224,008 (1.4%) 0.00 272
    2020-12-01 $149,900 (1.2%) $222,723 (-1.2%) 0.00 255
    2021-01-01 $149,901 (0.2%) $227,710 (-0.3%) 0.00 242
    2021-02-01 $159,675 (7.3%) $235,077 (2.3%) 0.00 206
    2021-03-01 $157,925 (6.4%) $223,028 (-4.4%) 0.00 192
    2021-04-01 $178,850 (15.8%) $237,758 (-1.8%) 0.00 179
    2021-05-01 $175,950 (3.6%) $240,553 (-8.3%) 0.00 184
    2021-06-01 $169,075 (-2.8%) $247,930 (-4.8%) 0.00 220
    2021-07-01 $179,000 (0.0%) $260,965 (-1.1%) 0.00 221
    2021-08-01 $198,600 (10.4%) $275,551 (5.7%) 0.00 226
    2021-09-01 $171,975 (1.2%) $236,481 (-2.0%) 0.00 213
    2021-10-01 $150,000 (-4.1%) $214,676 (-7.2%) 0.00 214
    2021-11-01 $159,450 (6.4%) $209,856 (-6.3%) 0.00 204
    2021-12-01 $149,700 (-0.1%) $196,506 (-11.8%) 0.00 183
    2022-01-01 $157,450 (5.0%) $218,237 (-4.2%) 0.00 136
    2022-02-01 $158,675 (-0.6%) $245,827 (4.6%) 0.00 111
    2022-03-01 $149,925 (-5.1%) $249,929 (12.1%) 0.00 106
    2022-04-01 $150,000 (-16.1%) $262,730 (10.5%) 0.00 113
    2022-05-01 $153,450 (-12.8%) $274,458 (14.1%) 0.00 145
    2022-06-01 $167,950 (-0.7%) $287,040 (15.8%) 0.00 179
    2022-07-01 $168,900 (-5.6%) $325,455 (24.7%) 0.00 207
    2022-08-01 $159,900 (-19.5%) $290,141 (5.3%) 0.00 249
    2022-09-01 $149,950 (-12.8%) $274,547 (16.1%) 0.00 244
    2022-10-01 $159,900 (6.6%) $279,583 (30.2%) 0.00 220
    2022-11-01 $149,950 (-6.0%) $261,807 (24.8%) 0.00 203
    2022-12-01 $149,900 (0.1%) $300,500 (52.9%) 0.00 181
    2023-01-01 $132,450 (-15.9%) $232,325 (6.5%) 0.00 171
    2023-02-01 $149,900 (-5.5%) $245,671 (-0.1%) 0.00 157
    2023-03-01 $161,150 (7.5%) $256,056 (2.5%) 0.00 154
    2023-04-01 $175,000 (16.7%) $249,325 (-5.1%) 0.00 149
    Jamestown - Dunkirk - Fredonia's median listing price for 2023-04-01 was $175,000, a difference of $25,000 (16.7%) versus the prior year and $13,850 versus the prior month.

    Jamestown - Dunkirk - Fredonia's median listing price comes in at 0% of the national average.

    Jamestown - Dunkirk - Fredonia's average listing price for 2023-04-01 was $249,325, a difference of $-13,405 (-5.1%) versus the prior year and $-6,731 versus the prior month.

    For the 2023-04-01 period, Jamestown - Dunkirk - Fredonia had 149 MLS listings, a difference of -5 listings (-3%) versus the prior month and 36 listings (32%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Jamestown - Dunkirk - Fredonia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,535 sqft
    2018-02-01 0 days 1,566 sqft
    2018-03-01 0 days 1,576 sqft
    2018-04-01 0 days 1,576 sqft
    2018-05-01 0 days 1,595 sqft
    2018-06-01 0 days 1,600 sqft
    2018-07-01 0 days 1,605 sqft
    2018-08-01 0 days 1,609 sqft
    2018-09-01 0 days 1,612 sqft
    2018-10-01 0 days 1,606 sqft
    2018-11-01 0 days 1,590 sqft
    2018-12-01 0 days 1,613 sqft
    2019-01-01 0 days 1,623 sqft
    2019-02-01 0 days 1,612 sqft
    2019-03-01 0 days 1,651 sqft
    2019-04-01 0 days 1,656 sqft
    2019-05-01 0 days 1,637 sqft
    2019-06-01 0 days 1,600 sqft
    2019-07-01 0 days 1,625 sqft
    2019-08-01 0 days 1,627 sqft
    2019-09-01 0 days 1,643 sqft
    2019-10-01 0 days 1,667 sqft
    2019-11-01 0 days 1,685 sqft
    2019-12-01 0 days 1,704 sqft
    2020-01-01 0 days 1,704 sqft
    2020-02-01 0 days 1,692 sqft
    2020-03-01 0 days 1,680 sqft
    2020-04-01 0 days 1,664 sqft
    2020-05-01 0 days 1,715 sqft
    2020-06-01 0 days 1,715 sqft
    2020-07-01 0 days 1,726 sqft
    2020-08-01 0 days 1,658 sqft
    2020-09-01 0 days 1,656 sqft
    2020-10-01 0 days 1,650 sqft
    2020-11-01 0 days 1,614 sqft
    2020-12-01 0 days 1,588 sqft
    2021-01-01 0 days 1,588 sqft
    2021-02-01 0 days 1,572 sqft
    2021-03-01 0 days 1,560 sqft
    2021-04-01 0 days 1,514 sqft
    2021-05-01 0 days 1,482 sqft
    2021-06-01 0 days 1,491 sqft
    2021-07-01 0 days 1,588 sqft
    2021-08-01 0 days 1,639 sqft
    2021-09-01 0 days 1,588 sqft
    2021-10-01 0 days 1,588 sqft
    2021-11-01 0 days 1,534 sqft
    2021-12-01 0 days 1,558 sqft
    2022-01-01 0 days 1,588 sqft
    2022-02-01 0 days 1,641 sqft
    2022-03-01 0 days 1,597 sqft
    2022-04-01 0 days 1,568 sqft
    2022-05-01 0 days 1,562 sqft
    2022-06-01 0 days 1,574 sqft
    2022-07-01 0 days 1,588 sqft
    2022-08-01 0 days 1,528 sqft
    2022-09-01 0 days 1,518 sqft
    2022-10-01 0 days 1,588 sqft
    2022-11-01 0 days 1,553 sqft
    2022-12-01 0 days 1,552 sqft
    2023-01-01 0 days 1,535 sqft
    2023-02-01 0 days 1,572 sqft
    2023-03-01 0 days 1,632 sqft
    2023-04-01 0 days 1,644 sqft
    Jamestown - Dunkirk - Fredonia's median listing age (time on market) for 2023-04-01 was 0 days.

    Jamestown - Dunkirk - Fredonia's median square footage for active listings during the 2023-04-01 period was 1,644 sqft. One year prior, the average listing was 1,568 sqft.

    Jamestown-Dunkirk-Fredonia, NY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 1,208 $184,800,000 $152,980
    Cash Out Refi 299 $44,895,000 $150,151
    Refi 282 $35,650,000 $126,418
    Home Improvement 243 $18,385,000 $75,658
    Other 139 $13,775,000 $99,101

    Jamestown - Dunkirk - Fredonia's most frequently cited loan purpose was Home Purchase, with 1,208 originations. The 2nd most popular reason was Cash Out Refi, with 299 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 464 $64,450,000 $138,901
    3-4% 428 $56,540,000 $132,103
    4-5% 380 $59,310,000 $156,079
    6-7% 236 $34,160,000 $144,746
    <2.5% 127 $13,895,000 $109,409
    2.5-3% 79 $13,185,000 $166,899
    7-8% 78 $9,490,000 $121,667
    Over 8% 37 $2,445,000 $66,081

    During 2022, Jamestown - Dunkirk - Fredonia's most frequently originated rate bucket was 5-6%, with 464 originations.

    Loan Sizing (Jamestown-Dunkirk-Fredonia, NY MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 972 $59,620,000 $61,337
    $100k-200k 821 $114,375,000 $139,312
    $200k-400k 322 $84,690,000 $263,012
    $400k-600k 38 $18,040,000 $474,737
    $600k-1000k 13 $9,015,000 $693,462
    $Over $1MM 5 $11,765,000 $2,353,000

    Jamestown - Dunkirk - Fredonia's loan sizing saw the bucket of loans from $100,000 or less with 972 originations, totaling $59,620,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 807 $120,615,000 $149,461
    60-80% 503 $87,835,000 $174,622
    20-40% 217 $14,855,000 $68,456
    40-60% 202 $24,640,000 $121,980
    Under 20% 100 $3,270,000 $32,700
    Over 100% 9 $2,205,000 $245,000

    Jamestown - Dunkirk - Fredonia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 807 originations, totaling $120,615,000 in origination value.