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 7.06% for the week of 2024-03-21, compared to the national average of 6.87% for the same period.

The average rate for the prior week (2024-03-14) was 6.83% and one month ago for the week of 2024-02-15, the average rate was 6.66%.

Jamestown - Dunkirk - Fredonia's average rate one year ago was 6.79%.

For refis of the same type during the week of 2024-03-21, the average rate was 7.2%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-03-21 6.87%
Jamestown - Dunkirk - Fredonia 30 Year Fixed Rate 2024-03-21 7.06%
Jamestown - Dunkirk - Fredonia 30 Year Fixed Rate Refi 2024-03-21 7.2%
Jamestown - Dunkirk - Fredonia 15 Year Fixed Rate 2024-03-21 6.01%
Jamestown - Dunkirk - Fredonia 15 Year Fixed Rate Refi 2024-03-21 6.61%
Jamestown - Dunkirk - Fredonia 30 Year FHA 2024-03-21 6.83%
Jamestown - Dunkirk - Fredonia 30 Year FHA Refi 2024-03-21 6.7%
Jamestown - Dunkirk - Fredonia 30 Year USDA 2024-03-21 6.57%
Jamestown - Dunkirk - Fredonia 30 Year USDA Refi 2024-03-21 6.47%
Jamestown - Dunkirk - Fredonia 30 Year VA 2024-03-21 6.64%
Jamestown - Dunkirk - Fredonia 30 Year VA Refi 2024-03-21 6.34%
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
Jamestown - Dunkirk - Fredonia's median listing price for 2024-02-01 was $169,900, a difference of $20,000 (13.3%) versus the prior year and $-9,325 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 2024-02-01 was $321,025, a difference of $75,354 (30.7%) versus the prior year and $-4,735 versus the prior month.

For the 2024-02-01 period, Jamestown - Dunkirk - Fredonia had 173 MLS listings, a difference of 9 listings (5%) versus the prior month and 16 listings (10%) 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
Jamestown - Dunkirk - Fredonia's median listing age (time on market) for 2024-02-01 was 0 days.

Jamestown - Dunkirk - Fredonia's median square footage for active listings during the 2024-02-01 period was 1,580 sqft. One year prior, the average listing was 1,572 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.