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 6.77% for the week of 2024-02-22, compared to the national average of 6.9% for the same period.

The average rate for the prior week (2024-02-15) was 6.84% and one month ago for the week of 2024-01-18, the average rate was 6.57%.

Jamestown - Dunkirk - Fredonia's average rate one year ago was 6.52%.

For refis of the same type during the week of 2024-02-22, the average rate was 5.47%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-02-22 6.9%
Jamestown - Dunkirk - Fredonia 30 Year Fixed Rate 2024-02-22 6.77%
Jamestown - Dunkirk - Fredonia 30 Year Fixed Rate Refi 2024-02-22 5.47%
Jamestown - Dunkirk - Fredonia 15 Year Fixed Rate 2024-02-22 6.46%
Jamestown - Dunkirk - Fredonia 15 Year Fixed Rate Refi 2024-02-22 6.69%
Jamestown - Dunkirk - Fredonia 30 Year FHA 2024-02-22 -1%
Jamestown - Dunkirk - Fredonia 30 Year FHA Refi 2024-02-22 -0.1%
Jamestown - Dunkirk - Fredonia 30 Year USDA 2024-02-22 -0.2%
Jamestown - Dunkirk - Fredonia 30 Year USDA Refi 2024-02-22 0%
Jamestown - Dunkirk - Fredonia 30 Year VA 2024-02-22 -0.46%
Jamestown - Dunkirk - Fredonia 30 Year VA Refi 2024-02-22 0.2%
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 $119,150 (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
Jamestown - Dunkirk - Fredonia's median listing price for 2023-12-01 was $168,675, a difference of $18,775 (12.5%) versus the prior year and $1,725 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 2023-12-01 was $333,592, a difference of $33,092 (11.0%) versus the prior year and $-12,265 versus the prior month.

For the 2023-12-01 period, Jamestown - Dunkirk - Fredonia had 171 MLS listings, a difference of -19 listings (-10%) versus the prior month and -10 listings (-6%) 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
Jamestown - Dunkirk - Fredonia's median listing age (time on market) for 2023-12-01 was 0 days.

Jamestown - Dunkirk - Fredonia's median square footage for active listings during the 2023-12-01 period was 1,618 sqft. One year prior, the average listing was 1,551 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.