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 6.69% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.68% and one month ago for the week of 2024-11-07, the average rate was 7.08%.

    Jamestown - Dunkirk - Fredonia's average rate one year ago was 7.22%.

    For refis of the same type during the week of 2024-12-12, the average rate was 6.63%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Jamestown - Dunkirk - Fredonia 30 Year Fixed Rate 2024-12-12 6.69%
    Jamestown - Dunkirk - Fredonia 30 Year Fixed Rate Refi 2024-12-12 6.63%
    Jamestown - Dunkirk - Fredonia 15 Year Fixed Rate 2024-12-12 5.74%
    Jamestown - Dunkirk - Fredonia 15 Year Fixed Rate Refi 2024-12-12 6.24%
    Jamestown - Dunkirk - Fredonia 30 Year FHA 2024-12-12 6.21%
    Jamestown - Dunkirk - Fredonia 30 Year FHA Refi 2024-12-12 6.18%
    Jamestown - Dunkirk - Fredonia 30 Year USDA 2024-12-12 6.5%
    Jamestown - Dunkirk - Fredonia 30 Year USDA Refi 2024-12-12 6.3%
    Jamestown - Dunkirk - Fredonia 30 Year VA 2024-12-12 5.98%
    Jamestown - Dunkirk - Fredonia 30 Year VA Refi 2024-12-12 5.98%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Community Bank 138 7.09% $390
    Northwest Bank 58 6.39% $4,080
    QUICKEN LOANS, LLC 56 7.07% $5,762
    M&T Bank 46 6.90% $4,418
    Farm Credit East, ACA 29 7.37% $6,629
    UNITED WHOLESALE MORTGAGE, LLC 23 6.93% $5,699
    KeyBank 20 6.76% $3,715
    Premium Mortgage Corporation 18 6.70% $4,704
    GREATER WOODLAWN FEDERAL CREDIT UNION 16 5.13% $3,291
    PRIMELENDING, A PLAINSCAPITAL COMPANY 16 7.07% $6,374
    JPMorgan Chase Bank 11 6.71% $4,589
    CROSSCOUNTRY MORTGAGE, LLC 11 7.16% $7,139
    HOMESTEAD FUNDING CORP. 9 6.94% $5,257
    Five Star Bank 8 6.80% $4,523
    U.S. Bank 7 6.37% $4,057
    Mr. Cooper ( Nationstar Mortgage ) 7 7.39% $5,959
    Morgan Stanley Private Bank 5 5.73% $5,788
    Wells Fargo Bank 4 5.72% $3,357
    NEWREZ LLC 4 7.16% $4,357
    1ST PRIORITY MORTGAGE, INC. 4 6.13% $3,794
    Flagstar Bank, FSB 4 7.29% $3,753
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 7.03% $6,170
    SEFCU SERVICES, LLC 4 5.66% $3,304
    MOVEMENT MORTGAGE, LLC 3 7.02% $4,207
    Citizens Bank 3 6.25% $6,780
    Centra Credit Union 3 6.42% $4,211
    USAA Federal Savings Bank 3 7.13% $4,686
    Fifth Third Bank 3 7.13% $6,148
    PNC Bank 3 6.75% $5,642
    Bank of America 3 6.75% $3,060
    AMERICAN FINANCIAL NETWORK, INC. 3 6.38% $7,356
    CNB Bank 3 6.21% $3,493
    Genesee Regional Bank 2 6.75% $6,820
    21ST MORTGAGE CORPORATION 2 7.63% $6,232
    Barrington Bank & Trust Company, N.A. 2 6.56% $6,523
    First Western Trust Bank 2 6.94% $5,004
    NBKC BANK 2 6.43% $7,426
    PENNYMAC LOAN SERVICES, LLC 2 6.31% $3,513
    Mortgage Research Center, LLC 1 6.75% $5,093
    HOME TOWN FUNDING, INC. 1 6.38% $2,297
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.50% $14,392
    GUARANTEED RATE, INC. 1 6.38% $3,838
    NAVY FEDERAL CREDIT UNION 1 5.63% $2,680
    Bethpage Federal Credit Union 1 6.25% $1,830
    GUARANTEED RATE AFFINITY, LLC 1 7.63% $6,601
    North American Savings Bank, F.S.B. 1 6.00% $5,366
    FREEDOM MORTGAGE CORPORATION 1 7.13% $8,671
    Bank of England 1 6.63% $5,151
    PLAZA HOME MORTGAGE, INC. 1 6.38% $5,849
    First National Bank of Pennsylvania 1 6.75% $9,551
    Evans Bank 1 6.50% $3,145
    ERIE FEDERAL CREDIT UNION 1 8.33% $7,652
    Empower Federal Credit Union 1 8.38% $2,630
    RELIANCE FIRST CAPITAL, LLC 1 7.38% $5,803
    ROYAL UNITED MORTGAGE LLC 1 8.13% $6,999
    Carrington Mortgage Services, LLC 1 6.75% $5,610
    SUN Federal Credit Union 1 6.00% $4,191
    TD Bank 1 5.75% $5,920
    The Federal Savings Bank 1 6.63% $4,650
    The Huntington National Bank 1 7.63% $11,531
    The Lyons National Bank 1 6.13% $6,205
    THE SUMMIT Federal Credit Union 1 6.50% $2,319
    Tompkins Trust Company 1 6.63% $4,361
    UBS Bank USA 1 6.38% $4,976
    BMO Harris Bank 1 6.25% $10,820
    BETTER MORTGAGE CORPORATION 1 6.50% $4,097
    Moog Employees Federal Credit Union 1 7.10% $2,769
    LOANDEPOT.COM, LLC 1 5.38% $7,020

    Jamestown - Dunkirk - Fredonia Average Closing Costs & Other Stats

    Jamestown-Dunkirk-Fredonia, NY's 68 lenders originated 1,612 loans during 2023. The total origination value was $223,110,000, with an average loan value of $138,406.

    Jamestown - Dunkirk - Fredonia's average closing costs are $3,937.

    The top Jamestown - Dunkirk - Fredonia lender as defined by loan originations is Community Bank, with 138 loans originated. Their average total fees are $390, which is $3,690 lower than the next largest lender, Northwest Bank.

    The lowest fee Jamestown - Dunkirk - Fredonia lenders (with over 10 loans originated) are Community Bank ($390), GREATER WOODLAWN FEDERAL CREDIT UNION ($3,291), KeyBank ($3,715), Northwest Bank ($4,080) and M&T Bank ($4,418).

    The lowest rate Jamestown - Dunkirk - Fredonia lenders (with over 10 loans originated) are GREATER WOODLAWN FEDERAL CREDIT UNION (5.13%), Northwest Bank (6.39%), Premium Mortgage Corporation (6.70%), JPMorgan Chase Bank (6.71%) and KeyBank (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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    Community Bank $45,775,000 $33,845,000 -26.1% 15.2%
    M&T Bank $31,680,000 $23,365,000 -26.2% 10.5%
    QUICKEN LOANS, LLC $30,375,000 $19,095,000 -37.1% 8.6%
    Lake Shore Savings Bank $29,500,000 $16,985,000 -42.4% 7.6%
    Northwest Bank $24,650,000 $16,465,000 -33.2% 7.4%
    Farm Credit East, ACA $6,440,000 $8,600,000 33.5% 3.9%
    Cattaraugus County Bank $9,035,000 $6,985,000 -22.7% 3.1%
    KeyBank $13,490,000 $6,185,000 -54.2% 2.8%
    UNITED WHOLESALE MORTGAGE, LLC $5,095,000 $5,970,000 17.2% 2.7%
    Evans Bank $5,810,000 $5,245,000 -9.7% 2.4%
    Premium Mortgage Corporation $4,125,000 $4,680,000 13.5% 2.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $6,260,000 $3,830,000 -38.8% 1.7%
    CBRE MULTIFAMILY CAPITAL, INC. $3,795,000 n/a 1.7%
    CROSSCOUNTRY MORTGAGE, LLC $1,700,000 $3,030,000 78.2% 1.4%
    HOMESTEAD FUNDING CORP. $7,165,000 $2,865,000 -60.0% 1.3%
    Five Star Bank $1,860,000 $2,810,000 51.1% 1.3%
    GREATER WOODLAWN FEDERAL CREDIT UNION $3,100,000 $2,645,000 -14.7% 1.2%
    Wells Fargo Bank $4,780,000 $2,615,000 -45.3% 1.2%
    Mortgage Research Center, LLC $3,450,000 $2,390,000 -30.7% 1.1%
    Citizens Bank $3,570,000 $2,375,000 -33.5% 1.1%
    Bank of America $2,045,000 $2,355,000 15.2% 1.1%
    Morgan Stanley Private Bank $1,370,000 $2,285,000 66.8% 1.0%
    PNC Bank $3,090,000 $1,995,000 -35.4% 0.9%
    NEWREZ LLC $450,000 $1,775,000 294.4% 0.8%
    MOVEMENT MORTGAGE, LLC $1,130,000 $1,645,000 45.6% 0.7%
    JPMorgan Chase Bank $2,585,000 $1,635,000 -36.8% 0.7%
    U.S. Bank $360,000 $1,615,000 348.6% 0.7%
    PLAZA HOME MORTGAGE, INC. $580,000 $1,490,000 156.9% 0.7%
    BMO Harris Bank $1,425,000 n/a 0.6%
    The Upstate National Bank $2,170,000 $1,400,000 -35.5% 0.6%
    1ST PRIORITY MORTGAGE, INC. $2,245,000 $1,385,000 -38.3% 0.6%
    USAA Federal Savings Bank $1,565,000 $1,305,000 -16.6% 0.6%
    Mr. Cooper ( Nationstar Mortgage ) $1,455,000 $1,290,000 -11.3% 0.6%
    Centra Credit Union $560,000 $1,240,000 121.4% 0.6%
    CNB Bank $2,765,000 $1,235,000 -55.3% 0.6%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,370,000 $1,205,000 -49.2% 0.5%
    Western Division FCU $2,135,000 $1,125,000 -47.3% 0.5%
    Barrington Bank & Trust Company, N.A. $1,085,000 $1,075,000 -0.9% 0.5%
    FREEDOM MORTGAGE CORPORATION $675,000 $1,015,000 50.4% 0.5%
    21ST MORTGAGE CORPORATION $740,000 $935,000 26.4% 0.4%
    Fifth Third Bank $155,000 $935,000 503.2% 0.4%
    NAVY FEDERAL CREDIT UNION $1,000,000 $915,000 -8.5% 0.4%
    SEFCU SERVICES, LLC $830,000 n/a 0.4%
    Westfield Bank, FSB $785,000 n/a 0.4%
    PENNYMAC LOAN SERVICES, LLC $675,000 n/a 0.3%
    Flagstar Bank, FSB $655,000 $665,000 1.5% 0.3%
    Farmers Bank & Trust $595,000 n/a 0.3%
    North American Savings Bank, F.S.B. $485,000 $595,000 22.7% 0.3%
    First National Bank of Pennsylvania $465,000 $590,000 26.9% 0.3%
    Tompkins Trust Company $370,000 $585,000 58.1% 0.3%
    LIMA ONE CAPITAL, LLC $235,000 $555,000 136.2% 0.2%
    HUNT MORTGAGE CORPORATION $1,195,000 $510,000 -57.3% 0.2%
    AMERICAN FINANCIAL NETWORK, INC. $495,000 n/a 0.2%
    RELIANCE FIRST CAPITAL, LLC $290,000 $470,000 62.1% 0.2%
    FIRST ALLIANCE HOME MORTGAGE, LLC $165,000 $430,000 160.6% 0.2%
    Genesee Regional Bank $270,000 $410,000 51.9% 0.2%
    CREDIT HUMAN FEDERAL CREDIT UNION $390,000 n/a 0.2%
    NBKC BANK $380,000 n/a 0.2%
    TD Bank $75,000 $365,000 386.7% 0.2%
    ROYAL UNITED MORTGAGE LLC $920,000 $350,000 -62.0% 0.2%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $345,000 n/a 0.2%
    The Federal Savings Bank $525,000 $345,000 -34.3% 0.2%
    UBS Bank USA $335,000 n/a 0.2%
    HOME TOWN FUNDING, INC. $1,270,000 $325,000 -74.4% 0.1%
    The Huntington National Bank $1,305,000 $325,000 -75.1% 0.1%
    Discover Bank $205,000 $310,000 51.2% 0.1%
    SUN Federal Credit Union $305,000 n/a 0.1%
    WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION $305,000 n/a 0.1%
    GUARANTEED RATE AFFINITY, LLC $285,000 $265,000 -7.0% 0.1%
    Empower Federal Credit Union $205,000 $260,000 26.8% 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $440,000 $255,000 -42.0% 0.1%
    LOANDEPOT.COM, LLC $1,220,000 $240,000 -80.3% 0.1%
    OAKTREE FUNDING CORP. $225,000 n/a 0.1%
    STATE EMPLOYEES FEDERAL CREDIT UNION $145,000 $210,000 44.8% 0.1%
    ERIE FEDERAL CREDIT UNION $205,000 n/a 0.1%
    Carrington Mortgage Services, LLC $355,000 $190,000 -46.5% 0.1%
    CORRY FEDERAL CREDIT UNION $380,000 $190,000 -50.0% 0.1%
    Bank of England $145,000 $180,000 24.1% 0.1%
    ALLIED MORTGAGE GROUP, INC. $175,000 n/a 0.1%
    THE SUMMIT Federal Credit Union $175,000 n/a 0.1%
    BETTER MORTGAGE CORPORATION $215,000 $165,000 -23.3% 0.1%
    CARDINAL FINANCIAL $65,000 $165,000 153.8% 0.1%
    Prosperity Home Mortgage, LLC $165,000 n/a 0.1%
    Savannah Bank $165,000 n/a 0.1%
    MID-ISLAND MORTGAGE CORP. $215,000 $155,000 -27.9% 0.1%
    NATIONWIDE MORTGAGE BANKERS, INC. $155,000 n/a 0.1%
    PENTAGON FEDERAL CREDIT UNION $250,000 $155,000 -38.0% 0.1%
    The Lyons National Bank $145,000 n/a 0.1%
    Citibank $135,000 n/a 0.1%
    EVERETT FINANCIAL, INC. $490,000 $135,000 -72.4% 0.1%
    Moog Employees Federal Credit Union $115,000 n/a 0.1%
    Bethpage Federal Credit Union $110,000 n/a 0.0%
    First Western Trust Bank $110,000 n/a 0.0%
    FIRST SOURCE $105,000 n/a 0.0%
    GUARANTEED RATE, INC. $2,020,000 $105,000 -94.8% 0.0%
    MidAtlantic Farm Credit, ACA $215,000 $105,000 -51.2% 0.0%
    Service Federal Credit Union $105,000 n/a 0.0%
    LENDINGHOME FUNDING CORPORATION $300,000 $95,000 -68.3% 0.0%
    HUDSON VALLEY CREDIT UNION $85,000 n/a 0.0%
    Financial Trust $105,000 $60,000 -42.9% 0.0%
    Connexus Credit Union $55,000 n/a 0.0%
    PHH Mortgage Corporation $55,000 n/a 0.0%
    TRIAD FINANCIAL SERVICES, INC. $200,000 $55,000 -72.5% 0.0%
    UTILITIES EMPLOYEES CREDIT UNION $25,000 $55,000 120.0% 0.0%

    Jamestown - Dunkirk - Fredonia's top lender by overall market share is Community Bank, with 15.2% market share. In second place, with 10.5%, is M&T Bank, having originated $23,365,000 in loans. In third place, with 8.6%, is QUICKEN LOANS, LLC, having originated $19,095,000 in loans. In fourth place, with 7.6%, is Lake Shore Savings Bank, having originated $16,985,000 in loans. In fifth place, with 7.4%, is Northwest Bank, having originated $16,465,000 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 $236,075 (27.1%) $406,214 (34.8%) 0.00 185
    2024-06-01 $239,500 (26.7%) $408,174 (25.3%) 0.00 204
    2024-07-01 $249,950 (25.0%) $395,086 (15.3%) 0.00 241
    2024-08-01 $249,900 (39.4%) $386,194 (24.0%) 0.00 257
    2024-09-01 $236,875 (39.3%) $380,717 (6.4%) 0.00 279
    2024-10-01 $232,400 (37.1%) $370,634 (7.3%) 0.00 275
    2024-11-01 $219,900 (31.7%) $348,694 (0.8%) 0.00 268
    Jamestown - Dunkirk - Fredonia's median listing price for 2024-11-01 was $219,900, a difference of $52,950 (31.7%) versus the prior year and $-12,500 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 2024-11-01 was $348,694, a difference of $2,837 (0.8%) versus the prior year and $-21,940 versus the prior month.

    For the 2024-11-01 period, Jamestown - Dunkirk - Fredonia had 268 MLS listings, a difference of -7 listings (-3%) versus the prior month and 78 listings (41%) 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 1,660 sqft
    2024-07-01 0 days 1,665 sqft
    2024-08-01 0 days 1,692 sqft
    2024-09-01 0 days 1,689 sqft
    2024-10-01 0 days 1,684 sqft
    2024-11-01 0 days 1,637 sqft
    Jamestown - Dunkirk - Fredonia's median listing age (time on market) for 2024-11-01 was 0 days.

    Jamestown - Dunkirk - Fredonia's median square footage for active listings during the 2024-11-01 period was 1,637 sqft. One year prior, the average listing was 1,635 sqft.

    Jamestown-Dunkirk-Fredonia, NY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 933 $152,585,000 $163,542
    Home Improvement 203 $14,115,000 $69,532
    Refi 180 $19,700,000 $109,444
    Other 155 $16,275,000 $105,000
    Cash Out Refi 141 $20,435,000 $144,929

    Jamestown - Dunkirk - Fredonia's most frequently cited loan purpose was Home Purchase, with 933 originations. The 2nd most popular reason was Home Improvement, with 203 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 559 $79,655,000 $142,496
    7-8% 403 $62,265,000 $154,504
    Over 8% 191 $16,815,000 $88,037
    5-6% 156 $29,680,000 $190,256
    <2.5% 57 $3,025,000 $53,070
    4-5% 31 $4,125,000 $133,065
    2.5-3% 8 $870,000 $108,750
    3-4% 5 $235,000 $47,000

    During 2023, Jamestown - Dunkirk - Fredonia's most frequently originated rate bucket was 6-7%, with 559 originations.

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

    Loan Size Originations Total Value Average Loan
    $100,000 or less 711 $42,155,000 $59,290
    $100k-200k 641 $89,045,000 $138,916
    $200k-400k 217 $56,975,000 $262,558
    $400k-600k 27 $13,775,000 $510,185
    $600k-1000k 11 $8,415,000 $765,000
    $Over $1MM 5 $12,745,000 $2,549,000

    Jamestown - Dunkirk - Fredonia's loan sizing saw the bucket of loans from $100,000 or less with 711 originations, totaling $42,155,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 626 $97,410,000 $155,607
    60-80% 345 $63,225,000 $183,261
    20-40% 190 $13,170,000 $69,316
    40-60% 147 $18,285,000 $124,388
    Under 20% 99 $2,995,000 $30,253
    Over 100% 4 $1,880,000 $470,000

    Jamestown - Dunkirk - Fredonia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 626 originations, totaling $97,410,000 in origination value.