Jamestown - Dunkirk - Fredonia Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Jamestown - Dunkirk - Fredonia averaged 7.18% for the week of 2025-06-18, compared to the national average of 6.81% for the same period.

The average rate for the prior week (2025-06-12) was 7.21% and one month ago for the week of 2025-05-15, the average rate was 7.18%.

Jamestown - Dunkirk - Fredonia's average rate one year ago was 7.12%.

For refis of the same type during the week of 2025-06-18, the average rate was 7.41%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Jamestown - Dunkirk - Fredonia 30 Year Fixed Rate 2025-06-18 7.18%
Jamestown - Dunkirk - Fredonia 30 Year Fixed Rate Refi 2025-06-18 7.41%
Jamestown - Dunkirk - Fredonia 15 Year Fixed Rate 2025-06-18 6.06%
Jamestown - Dunkirk - Fredonia 15 Year Fixed Rate Refi 2025-06-18 6.36%
Jamestown - Dunkirk - Fredonia 30 Year FHA 2025-06-18 -0.08%
Jamestown - Dunkirk - Fredonia 30 Year FHA Refi 2025-06-18 0%
Jamestown - Dunkirk - Fredonia 30 Year USDA 2025-06-18 -0.1%
Jamestown - Dunkirk - Fredonia 30 Year USDA Refi 2025-06-18 0.2%
Jamestown - Dunkirk - Fredonia 30 Year VA 2025-06-18 0.2%
Jamestown - Dunkirk - Fredonia 30 Year VA Refi 2025-06-18 0.1%
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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Community Bank 124 7.54% $938
QUICKEN LOANS, LLC 71 6.98% $6,349
M&T Bank 51 6.76% $4,278
UNITED WHOLESALE MORTGAGE, LLC 46 6.78% $5,954
Northwest Bank 44 6.43% $4,301
Farm Credit East, ACA 26 7.26% $5,749
KeyBank 24 6.45% $4,146
GREATER WOODLAWN FEDERAL CREDIT UNION 22 5.98% $3,983
PRIMELENDING, A PLAINSCAPITAL COMPANY 16 6.93% $5,831
Premium Mortgage Corporation 13 6.61% $4,870
HOMESTEAD FUNDING CORP. 7 6.45% $3,704
1ST PRIORITY MORTGAGE, INC. 7 6.57% $3,885
Five Star Bank 6 6.44% $3,090
OWNERSCHOICE FUNDING, INCORPORATED 6 6.71% $4,620
MOVEMENT MORTGAGE, LLC 5 7.46% $6,171
Mr. Cooper ( Nationstar Mortgage ) 5 6.92% $7,333
CROSSCOUNTRY MORTGAGE, LLC 5 6.60% $6,157
First Western Trust Bank 5 6.75% $4,306
Wells Fargo Bank 5 6.78% $7,314
Centra Credit Union 5 6.63% $4,567
NAVY FEDERAL CREDIT UNION 4 6.84% $5,660
Bank of America 4 6.88% $6,954
PNC Bank 4 7.03% $4,964
TD Bank 3 6.58% $6,144
CNB Bank 3 6.58% $4,800
ROYAL UNITED MORTGAGE LLC 3 7.17% $6,264
NEWREZ LLC 3 7.00% $4,660
NBKC BANK 3 6.67% $5,125
JPMorgan Chase Bank 3 6.63% $6,939
PLAZA HOME MORTGAGE, INC. 2 5.88% $8,994
21ST MORTGAGE CORPORATION 2 8.27% $5,970
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.25% $5,112
Flagstar Bank, FSB 2 7.47% $4,919
HUNT MORTGAGE CORPORATION 2 7.06% $6,624
Morgan Stanley Private Bank 2 5.93% $5,534
PENNYMAC LOAN SERVICES, LLC 2 7.06% $8,062
Tompkins Trust Company 2 6.06% $3,516
LOANDEPOT.COM, LLC 1 6.13% $4,635
GUARANTEED RATE, INC. 1 6.99% $5,653
FREEDOM MORTGAGE CORPORATION 1 6.50% $6,713
First National Bank of Pennsylvania 1 5.63% $4,172
Fifth Third Bank 1 7.50% $4,629
NJ LENDERS CORP. 1 6.63% $7,766
Citizens Bank 1 6.88% $5,073
Northwest Federal Credit Union 1 7.00% $10,765
Carrington Mortgage Services, LLC 1 6.88% $6,832
U.S. Bank 1 5.99% $5,330
CARDINAL FINANCIAL 1 7.25% $5,132
Bethpage Federal Credit Union 1 6.50% $4,046
Baxter Credit Union 1 6.63% $8,301
Barrington Bank & Trust Company, N.A. 1 6.99% $4,146
Axos Bank 1 6.88% $5,074
RIVERSIDE 1 6.63% $3,407
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.63% $7,003
SEFCU SERVICES, LLC 1 7.25% $2,478
Stifel Bank and Trust 1 6.00% $5,765
AMERICAN FINANCIAL NETWORK, INC. 1 8.13% $6,347
THE SUMMIT Federal Credit Union 1 6.50% $2,265
A&D Mortgage LLC 1 7.88% $8,606
UBS Bank USA 1 6.00% $7,546
Union Savings Bank 1 7.00% $4,822
MID-ISLAND MORTGAGE CORP. 1 6.13% $2,676
ALLIED MORTGAGE GROUP, INC. 1 8.13% $6,212
Marquette Savings Bank 1 6.75% $3,279

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, 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.