Jamestown - Dunkirk - Fredonia Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Jamestown - Dunkirk - Fredonia averaged
7.26%
for the week of 2025-05-29, compared to the national average of
6.89% for the same period.
The average rate for the prior week (2025-05-22) was
7.23% and
one month ago for the week of 2025-04-24, the
average rate was 6.88%.
Jamestown - Dunkirk - Fredonia's average rate one year ago was 7.41%.
For refis of the same type during the week of 2025-05-29, the average rate
was 6.99%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-29 | 6.89% |
| Jamestown - Dunkirk - Fredonia 30 Year Fixed Rate | 2025-05-29 | 7.26% |
| Jamestown - Dunkirk - Fredonia 30 Year Fixed Rate Refi | 2025-05-29 | 6.99% |
| Jamestown - Dunkirk - Fredonia 15 Year Fixed Rate | 2025-05-29 | 5.83% |
| Jamestown - Dunkirk - Fredonia 15 Year Fixed Rate Refi | 2025-05-29 | 6.33% |
| Jamestown - Dunkirk - Fredonia 30 Year FHA | 2025-05-29 | 0.22% |
| Jamestown - Dunkirk - Fredonia 30 Year FHA Refi | 2025-05-29 | 0% |
| Jamestown - Dunkirk - Fredonia 30 Year USDA | 2025-05-29 | 0% |
| Jamestown - Dunkirk - Fredonia 30 Year USDA Refi | 2025-05-29 | 0% |
| Jamestown - Dunkirk - Fredonia 30 Year VA | 2025-05-29 | 0.1% |
| Jamestown - Dunkirk - Fredonia 30 Year VA Refi | 2025-05-29 | -0.2% |
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.).
Jamestown - Dunkirk - Fredonia Average Closing Costs & Other Stats
Jamestown-Dunkirk-Fredonia, NY's 64 lenders originated 1,507
loans during 2024. The total origination value was $213,075,000, with an average loan value of
$141,390.
Jamestown - Dunkirk - Fredonia's average closing costs are $4,078.
The top Jamestown - Dunkirk - Fredonia lender as defined by loan originations is Community Bank, with
124 loans originated. Their average total fees are
$938, which is $5,411
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Jamestown - Dunkirk - Fredonia lenders (with over 10 loans originated) are
Community Bank ($938), GREATER WOODLAWN FEDERAL CREDIT UNION ($3,983), KeyBank ($4,146), M&T Bank ($4,278) and Northwest Bank ($4,301).
The lowest rate Jamestown - Dunkirk - Fredonia lenders (with over 10 loans originated) are
GREATER WOODLAWN FEDERAL CREDIT UNION (5.98%), Northwest Bank (6.43%), KeyBank (6.45%), Premium Mortgage Corporation (6.61%) and M&T Bank (6.76%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Community Bank | $33,845,000 | $32,170,000 | -4.9% | 15.1% |
| QUICKEN LOANS, LLC | $19,095,000 | $23,895,000 | 25.1% | 11.2% |
| M&T Bank | $23,365,000 | $22,995,000 | -1.6% | 10.8% |
| Northwest Bank | $16,465,000 | $14,115,000 | -14.3% | 6.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $5,970,000 | $12,770,000 | 113.9% | 6.0% |
| Lake Shore Savings Bank | $16,985,000 | $9,780,000 | -42.4% | 4.6% |
| Farm Credit East, ACA | $8,600,000 | $7,580,000 | -11.9% | 3.6% |
| KeyBank | $6,185,000 | $4,935,000 | -20.2% | 2.3% |
| GREATER WOODLAWN FEDERAL CREDIT UNION | $2,645,000 | $3,915,000 | 48.0% | 1.8% |
| Premium Mortgage Corporation | $4,680,000 | $3,685,000 | -21.3% | 1.7% |
| CNB Bank | $1,235,000 | $3,640,000 | 194.7% | 1.7% |
| Cattaraugus County Bank | $6,985,000 | $3,595,000 | -48.5% | 1.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $3,830,000 | $3,510,000 | -8.4% | 1.6% |
| Mortgage Research Center, LLC | $2,390,000 | $3,460,000 | 44.8% | 1.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $3,030,000 | $3,425,000 | 13.0% | 1.6% |
| TD Bank | $365,000 | $2,835,000 | 676.7% | 1.3% |
| HOMESTEAD FUNDING CORP. | $2,865,000 | $2,785,000 | -2.8% | 1.3% |
| PNC Bank | $1,995,000 | $2,735,000 | 37.1% | 1.3% |
| Citizens Bank | $2,375,000 | $2,635,000 | 10.9% | 1.2% |
| Tompkins Trust Company | $585,000 | $2,410,000 | 312.0% | 1.1% |
| NAVY FEDERAL CREDIT UNION | $915,000 | $2,390,000 | 161.2% | 1.1% |
| Western Division FCU | $1,125,000 | $1,800,000 | 60.0% | 0.8% |
| HUNT MORTGAGE CORPORATION | $510,000 | $1,575,000 | 208.8% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $1,015,000 | $1,550,000 | 52.7% | 0.7% |
| MOVEMENT MORTGAGE, LLC | $1,645,000 | $1,405,000 | -14.6% | 0.7% |
| Bank of America | $2,355,000 | $1,360,000 | -42.3% | 0.6% |
| NBKC BANK | $380,000 | $1,350,000 | 255.3% | 0.6% |
| 1ST PRIORITY MORTGAGE, INC. | $1,385,000 | $1,295,000 | -6.5% | 0.6% |
| Evans Bank | $5,245,000 | $1,285,000 | -75.5% | 0.6% |
| JPMorgan Chase Bank | $1,635,000 | $1,205,000 | -26.3% | 0.6% |
| AMERICAN FINANCIAL NETWORK, INC. | $495,000 | $1,185,000 | 139.4% | 0.6% |
| Centra Credit Union | $1,240,000 | $1,180,000 | -4.8% | 0.6% |
| 21ST MORTGAGE CORPORATION | $935,000 | $1,160,000 | 24.1% | 0.5% |
| Wells Fargo Bank | $2,615,000 | $1,120,000 | -57.2% | 0.5% |
| NEWREZ LLC | $1,775,000 | $1,085,000 | -38.9% | 0.5% |
| Morgan Stanley Private Bank | $2,285,000 | $1,060,000 | -53.6% | 0.5% |
| LIMA ONE CAPITAL, LLC | $555,000 | $1,020,000 | 83.8% | 0.5% |
| EVERETT FINANCIAL, INC. | $135,000 | $995,000 | 637.0% | 0.5% |
| PLAZA HOME MORTGAGE, INC. | $1,490,000 | $990,000 | -33.6% | 0.5% |
| Cornerstone Community Federal Credit Union | $980,000 | n/a | 0.5% | |
| USAA Federal Savings Bank | $1,305,000 | $955,000 | -26.8% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,290,000 | $935,000 | -27.5% | 0.4% |
| UBS Bank USA | $335,000 | $845,000 | 152.2% | 0.4% |
| Barrington Bank & Trust Company, N.A. | $1,075,000 | $770,000 | -28.4% | 0.4% |
| LOANDEPOT.COM, LLC | $240,000 | $760,000 | 216.7% | 0.4% |
| OWNERSCHOICE FUNDING, INCORPORATED | $755,000 | n/a | 0.4% | |
| Northwest Federal Credit Union | $685,000 | n/a | 0.3% | |
| Stifel Bank and Trust | $655,000 | n/a | 0.3% | |
| Flagstar Bank, FSB | $665,000 | $585,000 | -12.0% | 0.3% |
| First National Bank of Pennsylvania | $590,000 | $530,000 | -10.2% | 0.2% |
| FAMILY FIRST OF NY | $485,000 | n/a | 0.2% | |
| Five Star Bank | $2,810,000 | $480,000 | -82.9% | 0.2% |
| ROYAL UNITED MORTGAGE LLC | $350,000 | $470,000 | 34.3% | 0.2% |
| CORRY FEDERAL CREDIT UNION | $190,000 | $375,000 | 97.4% | 0.2% |
| Carrington Mortgage Services, LLC | $190,000 | $370,000 | 94.7% | 0.2% |
| Axos Bank | $365,000 | n/a | 0.2% | |
| Brighton Bank | $360,000 | n/a | 0.2% | |
| PENNYMAC LOAN SERVICES, LLC | $675,000 | $360,000 | -46.7% | 0.2% |
| SEFCU SERVICES, LLC | $830,000 | $360,000 | -56.6% | 0.2% |
| First Western Trust Bank | $110,000 | $345,000 | 213.6% | 0.2% |
| Logan Finance Corporation | $310,000 | n/a | 0.1% | |
| RELIANCE FIRST CAPITAL, LLC | $470,000 | $310,000 | -34.0% | 0.1% |
| Discover Bank | $310,000 | $305,000 | -1.6% | 0.1% |
| U.S. Bank | $1,615,000 | $305,000 | -81.1% | 0.1% |
| GUARANTEED RATE, INC. | $105,000 | $280,000 | 166.7% | 0.1% |
| Equity Prime Mortgage LLC | $275,000 | n/a | 0.1% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,205,000 | $270,000 | -77.6% | 0.1% |
| PLANET HOME LENDING, LLC | $260,000 | n/a | 0.1% | |
| CONSTRUCTIVE LOANS, LLC | $255,000 | n/a | 0.1% | |
| SIRVA MORTGAGE, INC. | $255,000 | n/a | 0.1% | |
| Union Savings Bank | $255,000 | n/a | 0.1% | |
| AFFINITY | $245,000 | n/a | 0.1% | |
| State Department Federal Credit Union | $245,000 | n/a | 0.1% | |
| First Federal Bank | $235,000 | n/a | 0.1% | |
| HOME TOWN FUNDING, INC. | $325,000 | $235,000 | -27.7% | 0.1% |
| Secured Investment Corp. | $225,000 | n/a | 0.1% | |
| NJ LENDERS CORP. | $215,000 | n/a | 0.1% | |
| STATE EMPLOYEES FEDERAL CREDIT UNION | $210,000 | $215,000 | 2.4% | 0.1% |
| A&D Mortgage LLC | $205,000 | n/a | 0.1% | |
| Marquette Savings Bank | $205,000 | n/a | 0.1% | |
| CONTOUR MORTGAGE CORPORATION | $195,000 | n/a | 0.1% | |
| Baxter Credit Union | $175,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $175,000 | n/a | 0.1% | |
| Fifth Third Bank | $935,000 | $165,000 | -82.4% | 0.1% |
| Financial Trust | $60,000 | $160,000 | 166.7% | 0.1% |
| MidAtlantic Farm Credit, ACA | $105,000 | $155,000 | 47.6% | 0.1% |
| AMWEST FUNDING CORP. | $150,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $165,000 | $145,000 | -12.1% | 0.1% |
| Plains Commerce Bank | $145,000 | n/a | 0.1% | |
| THE SUMMIT Federal Credit Union | $175,000 | $145,000 | -17.1% | 0.1% |
| ALLIED MORTGAGE GROUP, INC. | $175,000 | $135,000 | -22.9% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $135,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $135,000 | n/a | 0.1% | |
| LONGBRIDGE FINANCIAL, LLC | $135,000 | n/a | 0.1% | |
| MID-ISLAND MORTGAGE CORP. | $155,000 | $135,000 | -12.9% | 0.1% |
| ALLIANT CREDIT UNION | $125,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $110,000 | $125,000 | 13.6% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $95,000 | $125,000 | 31.6% | 0.1% |
| Magnolia Bank | $125,000 | n/a | 0.1% | |
| AMERICU Credit Union | $85,000 | n/a | 0.0% | |
| Kish Bank | $85,000 | n/a | 0.0% | |
| RIVERSIDE | $85,000 | n/a | 0.0% | |
| TOTAL MORTGAGE SERVICES, LLC | $85,000 | n/a | 0.0% | |
| The Federal Savings Bank | $345,000 | $65,000 | -81.2% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $55,000 | $55,000 | 0.0% | 0.0% |
| GREENWOOD | $25,000 | n/a | 0.0% |
Jamestown - Dunkirk - Fredonia's top lender by overall market share is Community Bank, with 15.1% market share. In second place, with 11.2%, is QUICKEN LOANS, LLC, having originated $23,895,000 in loans. In third place, with 10.8%, is M&T Bank, having originated $22,995,000 in loans. In fourth place, with 6.6%, is Northwest Bank, having originated $14,115,000 in loans. In fifth place, with 6.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $12,770,000 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 | $119,150 (13.6%) | $189,209 (8.2%) | 0.00 | 573 |
| 2018-02-01 | $115,475 (5.9%) | $196,736 (10.1%) | 0.00 | 588 |
| 2018-03-01 | $125,000 (9.8%) | $211,385 (15.7%) | 0.00 | 563 |
| 2018-04-01 | $129,900 (13.0%) | $216,001 (13.4%) | 0.00 | 574 |
| 2018-05-01 | $140,562 (20.9%) | $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%) | $232,291 (23.9%) | 0.00 | 691 |
| 2018-08-01 | $149,900 (20.9%) | $227,471 (22.2%) | 0.00 | 697 |
| 2018-09-01 | $139,900 (16.7%) | $222,146 (22.8%) | 0.00 | 726 |
| 2018-10-01 | $142,400 (18.7%) | $220,608 (21.1%) | 0.00 | 689 |
| 2018-11-01 | $139,800 (16.5%) | $220,507 (17.3%) | 0.00 | 634 |
| 2018-12-01 | $139,900 (16.6%) | $223,071 (17.7%) | 0.00 | 562 |
| 2019-01-01 | $139,900 (17.4%) | $218,583 (15.5%) | 0.00 | 517 |
| 2019-02-01 | $142,400 (23.3%) | $218,528 (11.1%) | 0.00 | 501 |
| 2019-03-01 | $153,643 (22.9%) | $230,454 (9.0%) | 0.00 | 512 |
| 2019-04-01 | $159,900 (23.1%) | $240,594 (11.4%) | 0.00 | 508 |
| 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 (2.7%) | 0.00 | 632 |
| 2019-08-01 | $154,882 (3.3%) | $232,265 (2.1%) | 0.00 | 619 |
| 2019-09-01 | $152,080 (8.7%) | $230,109 (3.6%) | 0.00 | 597 |
| 2019-10-01 | $149,700 (5.1%) | $226,977 (2.9%) | 0.00 | 581 |
| 2019-11-01 | $139,900 (0.1%) | $220,916 (0.2%) | 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 (-3.4%) | $233,340 (1.3%) | 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 (16.2%) | $260,609 (12.2%) | 0.00 | 280 |
| 2020-09-01 | $169,900 (11.7%) | $241,298 (4.9%) | 0.00 | 271 |
| 2020-10-01 | $159,750 (6.7%) | $235,252 (3.7%) | 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 (-6.1%) | $214,676 (-8.8%) | 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 |
| 2023-05-01 | $185,675 (21.0%) | $301,277 (9.8%) | 0.00 | 166 |
| 2023-06-01 | $189,000 (12.5%) | $325,772 (13.5%) | 0.00 | 178 |
| 2023-07-01 | $199,900 (18.4%) | $342,748 (5.3%) | 0.00 | 189 |
| 2023-08-01 | $179,250 (12.1%) | $311,348 (7.3%) | 0.00 | 207 |
| 2023-09-01 | $170,000 (13.4%) | $357,833 (30.3%) | 0.00 | 191 |
| 2023-10-01 | $169,500 (6.0%) | $345,496 (23.6%) | 0.00 | 193 |
| 2023-11-01 | $166,950 (11.3%) | $345,857 (32.1%) | 0.00 | 190 |
| 2023-12-01 | $168,675 (12.5%) | $333,592 (11.0%) | 0.00 | 171 |
| 2024-01-01 | $179,225 (35.3%) | $325,760 (40.2%) | 0.00 | 164 |
| 2024-02-01 | $169,900 (13.3%) | $321,025 (30.7%) | 0.00 | 173 |
| 2024-03-01 | $177,400 (10.1%) | $336,250 (31.3%) | 0.00 | 151 |
| 2024-04-01 | $205,000 (17.1%) | $368,139 (47.7%) | 0.00 | 156 |
| 2024-05-01 | $229,850 (23.8%) | $406,214 (34.8%) | 0.00 | 185 |
| 2024-06-01 | $229,900 (21.6%) | $397,463 (22.0%) | 0.00 | 204 |
| 2024-07-01 | $249,725 (24.9%) | $394,098 (15.0%) | 0.00 | 236 |
| 2024-08-01 | $249,900 (39.4%) | $366,785 (17.8%) | 0.00 | 243 |
| 2024-09-01 | $236,225 (39.0%) | $362,263 (1.2%) | 0.00 | 262 |
| 2024-10-01 | $232,200 (37.0%) | $355,620 (2.9%) | 0.00 | 254 |
| 2024-11-01 | $217,450 (30.3%) | $333,252 (-3.6%) | 0.00 | 246 |
| 2024-12-01 | $189,900 (12.6%) | $321,905 (-3.5%) | 0.00 | 228 |
| 2025-01-01 | $185,000 (3.2%) | $316,151 (-3.0%) | 0.00 | 212 |
| 2025-02-01 | $185,000 (8.9%) | $336,185 (4.7%) | 0.00 | 222 |
| 2025-03-01 | $179,900 (1.4%) | $356,886 (6.1%) | 0.00 | 178 |
| 2025-04-01 | $220,475 (7.6%) | $378,440 (2.8%) | 0.00 | 189 |
Jamestown - Dunkirk - Fredonia's median listing price comes in at 0% of the national average.
Jamestown - Dunkirk - Fredonia's average listing price for 2025-04-01 was $378,440, a difference of $10,301 (2.8%) versus the prior year and $21,554 versus the prior month.
For the 2025-04-01 period, Jamestown - Dunkirk - Fredonia had 189 MLS listings, a difference of 11 listings (6%) versus the prior month and 33 listings (21%) 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 | 1,602 sqft |
| 2018-08-01 | 0 days | 1,608 sqft |
| 2018-09-01 | 0 days | 1,612 sqft |
| 2018-10-01 | 0 days | 1,604 sqft |
| 2018-11-01 | 0 days | 1,590 sqft |
| 2018-12-01 | 0 days | 1,612 sqft |
| 2019-01-01 | 0 days | 1,623 sqft |
| 2019-02-01 | 0 days | 1,612 sqft |
| 2019-03-01 | 0 days | 1,640 sqft |
| 2019-04-01 | 0 days | 1,653 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 | 1,631 sqft |
| 2019-09-01 | 0 days | 1,647 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 | 1,653 sqft |
| 2020-11-01 | 0 days | 1,619 sqft |
| 2020-12-01 | 0 days | 1,588 sqft |
| 2021-01-01 | 0 days | 1,588 sqft |
| 2021-02-01 | 0 days | 1,582 sqft |
| 2021-03-01 | 0 days | 1,562 sqft |
| 2021-04-01 | 0 days | 1,521 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 | 1,526 sqft |
| 2022-09-01 | 0 days | 1,518 sqft |
| 2022-10-01 | 0 days | 1,588 sqft |
| 2022-11-01 | 0 days | 1,548 sqft |
| 2022-12-01 | 0 days | 1,551 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 |
| 2023-05-01 | 0 days | 1,613 sqft |
| 2023-06-01 | 0 days | 1,699 sqft |
| 2023-07-01 | 0 days | 1,731 sqft |
| 2023-08-01 | 0 days | 1,685 sqft |
| 2023-09-01 | 0 days | 1,650 sqft |
| 2023-10-01 | 0 days | 1,655 sqft |
| 2023-11-01 | 0 days | 1,635 sqft |
| 2023-12-01 | 0 days | 1,618 sqft |
| 2024-01-01 | 0 days | 1,585 sqft |
| 2024-02-01 | 0 days | 1,580 sqft |
| 2024-03-01 | 0 days | 1,617 sqft |
| 2024-04-01 | 0 days | 1,666 sqft |
| 2024-05-01 | 0 days | 1,698 sqft |
| 2024-06-01 | 0 days | 1,662 sqft |
| 2024-07-01 | 0 days | 1,677 sqft |
| 2024-08-01 | 0 days | 1,692 sqft |
| 2024-09-01 | 0 days | 1,680 sqft |
| 2024-10-01 | 0 days | 1,679 sqft |
| 2024-11-01 | 0 days | 1,600 sqft |
| 2024-12-01 | 0 days | 1,570 sqft |
| 2025-01-01 | 0 days | 1,585 sqft |
| 2025-02-01 | 0 days | 1,621 sqft |
| 2025-03-01 | 0 days | 1,588 sqft |
| 2025-04-01 | 0 days | 1,567 sqft |
Jamestown - Dunkirk - Fredonia's median square footage for active listings during the 2025-04-01 period was 1,567 sqft. One year prior, the average listing was 1,666 sqft.
Jamestown-Dunkirk-Fredonia, NY Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 875 | $141,525,000 | $161,743 |
| Home Improvement | 241 | $20,425,000 | $84,751 |
| Cash Out Refi | 144 | $23,590,000 | $163,819 |
| Refi | 124 | $13,460,000 | $108,548 |
| Other | 123 | $14,075,000 | $114,431 |
Jamestown - Dunkirk - Fredonia's most frequently cited loan purpose was Home Purchase, with 875 originations. The 2nd most popular reason was Home Improvement, with 241 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 542 | $88,120,000 | $162,583 |
| 7-8% | 411 | $54,295,000 | $132,105 |
| Over 8% | 242 | $24,060,000 | $99,421 |
| 5-6% | 140 | $27,630,000 | $197,357 |
| <2.5% | 25 | $765,000 | $30,600 |
| 3-4% | 6 | $740,000 | $123,333 |
| 4-5% | 2 | $410,000 | $205,000 |
During 2024, Jamestown - Dunkirk - Fredonia's most frequently originated rate bucket was 6-7%, with 542 originations.
Loan Sizing (Jamestown-Dunkirk-Fredonia, NY MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 627 | $88,225,000 | $140,710 |
| $100,000 or less | 609 | $36,705,000 | $60,271 |
| $200k-400k | 225 | $59,685,000 | $265,267 |
| $400k-600k | 31 | $15,025,000 | $484,677 |
| $600k-1000k | 11 | $8,315,000 | $755,909 |
| $Over $1MM | 4 | $5,120,000 | $1,280,000 |
Jamestown - Dunkirk - Fredonia's loan sizing saw the bucket of loans from $100k-200k with 627 originations, totaling $88,225,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 587 | $96,625,000 | $164,608 |
| 60-80% | 337 | $59,465,000 | $176,454 |
| 20-40% | 176 | $13,250,000 | $75,284 |
| 40-60% | 168 | $20,040,000 | $119,286 |
| Under 20% | 88 | $3,590,000 | $40,795 |
| Over 100% | 9 | $2,445,000 | $271,667 |
Jamestown - Dunkirk - Fredonia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 587 originations, totaling $96,625,000 in origination value.