KINGSTON Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Kingston averaged
5.73%
for the week of 2022-06-23, compared to the national average of
5.81% for the same period.
The average rate for the prior week (2022-06-16) was
6% and
one month ago for the week of 2022-05-19, the
average rate was 5.37%.
Kingston's average rate one year ago was 3.27%.
For refis of the same type during the week of 2022-06-23, the average rate
was 6.17%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-23 | 5.81% |
| Kingston 30 Year Fixed Rate | 2022-06-23 | 5.73% |
| Kingston 30 Year Fixed Rate Refi | 2022-06-23 | 6.17% |
| Kingston 15 Year Fixed Rate | 2022-06-23 | 5.12% |
| Kingston 15 Year Fixed Rate Refi | 2022-06-23 | 4.96% |
| Kingston 30 Year FHA | 2022-06-23 | 0.24% |
| Kingston 30 Year FHA Refi | 2022-06-23 | 0.09% |
| Kingston 30 Year USDA | 2022-06-23 | 0.28% |
| Kingston 30 Year USDA Refi | 2022-06-23 | 4.14% |
| Kingston 30 Year VA | 2022-06-23 | 0.28% |
| Kingston 30 Year VA Refi | 2022-06-23 | 0.08% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within KINGSTON, NY.
KINGSTON Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the KINGSTON, 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.).
KINGSTON, NY's 147 lenders originated 5,839
loans during 2021. The total origination value was $1,688,155,000, with an average loan value of
$289,117.
The top KINGSTON lender as defined by loan originations is QUICKEN LOANS, LLC, with
388 loans originated. Their average total fees are
$6,068, which is $1,727
higher than the next largest lender,
Ulster Savings Bank.
The lowest fee KINGSTON lenders (with over 10 loans originated) are
TrustCo Bank ($2,017), Walden Savings Bank ($2,318), TEG Federal Credit Union ($2,790), HUDSON VALLEY CREDIT UNION ($3,273) and KeyBank ($3,624).
The lowest rate KINGSTON lenders (with over 10 loans originated) are
Bank of America (2.80%), Citibank (2.83%), TD Bank (2.88%), UNITED NORTHERN MORTGAGE BANKERS LIMITED (2.94%) and JPMorgan Chase Bank (2.95%).
KINGSTON, NY Lender 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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $117,695,000 | $181,930,000 | 54.6% | 10.8% |
| Ulster Savings Bank | $171,520,000 | $172,735,000 | 0.7% | 10.2% |
| Rondout Savings Bank | $92,175,000 | $109,365,000 | 18.6% | 6.5% |
| READYCAP COMMERCIAL, LLC | $78,655,000 | n/a | 4.7% | |
| HOMESTEAD FUNDING CORP. | $51,005,000 | $74,935,000 | 46.9% | 4.4% |
| HUDSON VALLEY CREDIT UNION | $54,900,000 | $70,380,000 | 28.2% | 4.2% |
| Wells Fargo Bank | $53,715,000 | $67,715,000 | 26.1% | 4.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $44,625,000 | $54,425,000 | 22.0% | 3.2% |
| JPMorgan Chase Bank | $30,880,000 | $52,750,000 | 70.8% | 3.1% |
| KeyBank | $28,995,000 | $50,220,000 | 73.2% | 3.0% |
| MID-HUDSON VALLEY | $46,860,000 | $45,700,000 | -2.5% | 2.7% |
| LOANDEPOT.COM, LLC | $19,325,000 | $42,140,000 | 118.1% | 2.5% |
| Bank of America | $19,840,000 | $29,865,000 | 50.5% | 1.8% |
| Manufacturers and Traders Trust Company | $21,990,000 | $28,840,000 | 31.2% | 1.7% |
| GREYSTONE SERVICING COMPANY LLC | $28,425,000 | n/a | 1.7% | |
| Citizens Bank | $17,880,000 | $26,060,000 | 45.7% | 1.5% |
| Sawyer Savings Bank | $21,950,000 | $25,590,000 | 16.6% | 1.5% |
| Salisbury Bank and Trust Company | $4,645,000 | $25,095,000 | 440.3% | 1.5% |
| Wallkill Valley Federal Savings and Loan Association | $26,905,000 | $24,185,000 | -10.1% | 1.4% |
| TD Bank | $12,650,000 | $22,145,000 | 75.1% | 1.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $8,265,000 | $20,855,000 | 152.3% | 1.2% |
| BETTER MORTGAGE CORPORATION | $5,645,000 | $19,810,000 | 250.9% | 1.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $9,000,000 | $19,165,000 | 112.9% | 1.1% |
| Walden Savings Bank | $18,460,000 | $18,365,000 | -0.5% | 1.1% |
| HUDSON HERITAGE | $16,270,000 | $17,220,000 | 5.8% | 1.0% |
| Citibank | $18,785,000 | $16,530,000 | -12.0% | 1.0% |
| NEWREZ LLC | $6,375,000 | $16,325,000 | 156.1% | 1.0% |
| Rhinebeck Bank | $21,285,000 | $15,095,000 | -29.1% | 0.9% |
| The Bank of Greene County | $13,175,000 | $14,430,000 | 9.5% | 0.9% |
| Valley National Bank | $9,050,000 | $13,885,000 | 53.4% | 0.8% |
| Mr. Cooper ( Nationstar Mortgage ) | $8,295,000 | $13,385,000 | 61.4% | 0.8% |
| GUARANTEED RATE, INC. | $6,020,000 | $12,915,000 | 114.5% | 0.8% |
| WALKER & DUNLOP, LLC | $10,595,000 | n/a | 0.6% | |
| FREEDOM MORTGAGE CORPORATION | $6,280,000 | $9,575,000 | 52.5% | 0.6% |
| HOME POINT FINANCIAL CORPORATION | $1,560,000 | $9,145,000 | 486.2% | 0.5% |
| TEG Federal Credit Union | $9,095,000 | $8,375,000 | -7.9% | 0.5% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $2,500,000 | $8,010,000 | 220.4% | 0.5% |
| TrustCo Bank | $6,320,000 | $7,335,000 | 16.1% | 0.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $7,195,000 | $7,075,000 | -1.7% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $3,600,000 | $6,350,000 | 76.4% | 0.4% |
| Morgan Stanley Private Bank | $1,295,000 | $6,205,000 | 379.2% | 0.4% |
| Ridgewood Savings Bank | $6,015,000 | n/a | 0.4% | |
| CALIBER HOME LOANS, INC. | $4,775,000 | $5,565,000 | 16.5% | 0.3% |
| UBS Bank USA | $905,000 | $5,545,000 | 512.7% | 0.3% |
| Mortgage Research Center, LLC | $5,225,000 | $5,525,000 | 5.7% | 0.3% |
| U.S. Bank | $4,750,000 | $5,305,000 | 11.7% | 0.3% |
| First Republic Bank | $7,475,000 | $5,085,000 | -32.0% | 0.3% |
| PLAZA HOME MORTGAGE, INC. | $4,080,000 | $4,755,000 | 16.5% | 0.3% |
| GUARANTEED RATE AFFINITY, LLC | $4,580,000 | n/a | 0.3% | |
| PENTAGON FEDERAL CREDIT UNION | $335,000 | $4,110,000 | 1,126.9% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $705,000 | $3,955,000 | 461.0% | 0.2% |
| Community Bank | $3,985,000 | $3,825,000 | -4.0% | 0.2% |
| City National Bank | $2,135,000 | $3,755,000 | 75.9% | 0.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $1,935,000 | $3,495,000 | 80.6% | 0.2% |
| Quontic Bank | $515,000 | $3,335,000 | 547.6% | 0.2% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | $530,000 | $3,270,000 | 517.0% | 0.2% |
| The Federal Savings Bank | $4,605,000 | $3,185,000 | -30.8% | 0.2% |
| USAA Federal Savings Bank | $3,475,000 | $3,095,000 | -10.9% | 0.2% |
| Luxury Mortgage Corp. | $935,000 | $3,080,000 | 229.4% | 0.2% |
| FM Home Loans, LLC | $2,130,000 | $3,045,000 | 43.0% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $4,835,000 | $2,765,000 | -42.8% | 0.2% |
| Flagstar Bank, FSB | $2,690,000 | $2,685,000 | -0.2% | 0.2% |
| Carrington Mortgage Services, LLC | $1,945,000 | $2,580,000 | 32.6% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $2,225,000 | $2,525,000 | 13.5% | 0.1% |
| ARK MORTGAGE, INC. | $1,675,000 | $2,505,000 | 49.6% | 0.1% |
| NBKC BANK | $1,590,000 | $2,400,000 | 50.9% | 0.1% |
| United Nations Federal Credit Union | $1,445,000 | $2,350,000 | 62.6% | 0.1% |
| Charles Schwab Bank, SSB | $600,000 | $2,280,000 | 280.0% | 0.1% |
| TOTAL MORTGAGE SERVICES, LLC | $530,000 | $2,230,000 | 320.8% | 0.1% |
| FINANCE OF AMERICA MORTGAGE LLC | $1,105,000 | $2,215,000 | 100.5% | 0.1% |
| NJ LENDERS CORP. | $1,270,000 | $2,215,000 | 74.4% | 0.1% |
| CCFCU FUNDING, LLC | $2,110,000 | $2,195,000 | 4.0% | 0.1% |
| GREENWAY MORTGAGE FUNDING CORP. | $1,320,000 | $2,080,000 | 57.6% | 0.1% |
| SEFCU SERVICES, LLC | $1,620,000 | $2,035,000 | 25.6% | 0.1% |
| North American Savings Bank, F.S.B. | $2,000,000 | $2,010,000 | 0.5% | 0.1% |
| Stifel Bank and Trust | $835,000 | $1,930,000 | 131.1% | 0.1% |
| CONTOUR MORTGAGE CORPORATION | $1,890,000 | n/a | 0.1% | |
| InterContinental Capital Group, Inc | $1,370,000 | $1,880,000 | 37.2% | 0.1% |
| ARC HOME LLC | $765,000 | $1,860,000 | 143.1% | 0.1% |
| AMERICAN FINANCING CORPORATION | $970,000 | $1,830,000 | 88.7% | 0.1% |
| People's United Bank | $670,000 | $1,775,000 | 164.9% | 0.1% |
| AMERICAN ADVISORS GROUP | $440,000 | $1,715,000 | 289.8% | 0.1% |
| Visio Financial Services Inc. | $520,000 | $1,680,000 | 223.1% | 0.1% |
| Arbor Realty Trust, Inc. | $1,655,000 | n/a | 0.1% | |
| PCSB Bank | $1,605,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $1,190,000 | $1,600,000 | 34.5% | 0.1% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $2,905,000 | $1,565,000 | -46.1% | 0.1% |
| OWNERSCHOICE FUNDING, INCORPORATED | $2,420,000 | $1,520,000 | -37.2% | 0.1% |
| Silicon Valley Bank | $1,505,000 | n/a | 0.1% | |
| Santander Bank, N.A. | $455,000 | $1,340,000 | 194.5% | 0.1% |
| EMBRACE HOME LOANS, INC. | $695,000 | $1,320,000 | 89.9% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $1,445,000 | $1,270,000 | -12.1% | 0.1% |
| Advisors Mortgage Group, L.L.C. | $475,000 | $1,255,000 | 164.2% | 0.1% |
| SUNMARK FEDERAL CREDIT UNION | $460,000 | $1,250,000 | 171.7% | 0.1% |
| Raymond James Bank | $345,000 | $1,205,000 | 249.3% | 0.1% |
| RESIDENTIAL HOME FUNDING CORP. | $3,285,000 | $1,205,000 | -63.3% | 0.1% |
| Magnolia Bank | $175,000 | $1,190,000 | 580.0% | 0.1% |
| REVERSE MORTGAGE FUNDING LLC | $1,175,000 | n/a | 0.1% | |
| Bank of England | $1,710,000 | $1,160,000 | -32.2% | 0.1% |
| USAlliance Federal Credit Union | $580,000 | $1,140,000 | 96.6% | 0.1% |
| JET DIRECT FUNDING CORP | $1,105,000 | n/a | 0.1% | |
| PNC Bank | $3,160,000 | $1,040,000 | -67.1% | 0.1% |
| UNITED MORTGAGE CORP. | $1,100,000 | $1,020,000 | -7.3% | 0.1% |
| MidFirst Bank | $255,000 | $1,005,000 | 294.1% | 0.1% |
| Jeff Bank | $970,000 | n/a | 0.1% | |
| MID-ISLAND MORTGAGE CORP. | $1,690,000 | $970,000 | -42.6% | 0.1% |
| FAMILY FIRST FUNDING LLC | $2,420,000 | $960,000 | -60.3% | 0.1% |
| INLAND BANK & TRUST | $755,000 | $920,000 | 21.9% | 0.1% |
| City National Bank of Florida | $915,000 | n/a | 0.1% | |
| PARKSIDE LENDING, LLC | $1,345,000 | $900,000 | -33.1% | 0.1% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $790,000 | $885,000 | 12.0% | 0.1% |
| Bethpage Federal Credit Union | $1,690,000 | $885,000 | -47.6% | 0.1% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | $935,000 | $875,000 | -6.4% | 0.1% |
| Municipal Credit Union | $875,000 | n/a | 0.1% | |
| BNB Bank | $840,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $1,180,000 | $835,000 | -29.2% | 0.0% |
| EMM LOANS LLC | $175,000 | $830,000 | 374.3% | 0.0% |
| FINANCE OF AMERICA COMMERCIAL LLC | $65,000 | $830,000 | 1,176.9% | 0.0% |
| LENDINGHOME FUNDING CORPORATION | $355,000 | $765,000 | 115.5% | 0.0% |
| TIAA, FSB | $1,505,000 | $765,000 | -49.2% | 0.0% |
| AFFINITY | $430,000 | $750,000 | 74.4% | 0.0% |
| SELF RELIANCE NY Federal Credit Union | $735,000 | n/a | 0.0% | |
| BOND STREET MORTGAGE, LLC | $710,000 | n/a | 0.0% | |
| The Union Bank Company | $195,000 | $705,000 | 261.5% | 0.0% |
| Discover Bank | $295,000 | $685,000 | 132.2% | 0.0% |
| Investors Bank | $635,000 | $670,000 | 5.5% | 0.0% |
| Webster Bank | $775,000 | $670,000 | -13.5% | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,075,000 | $665,000 | -38.1% | 0.0% |
| CLIFFCO, INC. | $225,000 | $605,000 | 168.9% | 0.0% |
| US MORTGAGE CORPORATION | $315,000 | $600,000 | 90.5% | 0.0% |
| BNY Mellon | $1,010,000 | $585,000 | -42.1% | 0.0% |
| Orange Bank &Trust Company | $450,000 | $585,000 | 30.0% | 0.0% |
| Kearny Bank | $545,000 | n/a | 0.0% | |
| First Federal Bank | $705,000 | $540,000 | -23.4% | 0.0% |
| Equity Prime Mortgage LLC | $1,010,000 | $535,000 | -47.0% | 0.0% |
| CMG MORTGAGE, INC. | $375,000 | $510,000 | 36.0% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $510,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $490,000 | $510,000 | 4.1% | 0.0% |
| IMPAC MORTGAGE CORP. | $505,000 | n/a | 0.0% | |
| NATIONWIDE EQUITIES CORPORATION | $520,000 | $505,000 | -2.9% | 0.0% |
| Shore United Bank | $505,000 | n/a | 0.0% | |
| The National Bank of Coxsackie | $515,000 | $495,000 | -3.9% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $35,000 | $480,000 | 1,271.4% | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | $630,000 | $475,000 | -24.6% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $370,000 | $465,000 | 25.7% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $175,000 | $460,000 | 162.9% | 0.0% |
| First Home Bank | $460,000 | $455,000 | -1.1% | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | $875,000 | $450,000 | -48.6% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $445,000 | n/a | 0.0% | |
| BAYPORT FUNDING LLC | $125,000 | $430,000 | 244.0% | 0.0% |
| PHH Mortgage Corporation | $430,000 | n/a | 0.0% | |
| LYONS MORTGAGE SERVICES, INC. | $225,000 | $425,000 | 88.9% | 0.0% |
| Popular Bank | $290,000 | $415,000 | 43.1% | 0.0% |
| Unity Bank | $415,000 | n/a | 0.0% | |
| Amalgamated Bank | $1,070,000 | $410,000 | -61.7% | 0.0% |
| BLAIR SERVICES OF AMERICA INC. | $395,000 | n/a | 0.0% | |
| First Savings Bank | $415,000 | $395,000 | -4.8% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $385,000 | n/a | 0.0% | |
| Reliant Bank | $385,000 | n/a | 0.0% | |
| Metro City Bank | $250,000 | $380,000 | 52.0% | 0.0% |
| LYNX MORTGAGE BANK LLC | $340,000 | $375,000 | 10.3% | 0.0% |
| PLANET HOME LENDING, LLC | $515,000 | $370,000 | -28.2% | 0.0% |
| Cf Bank | $355,000 | n/a | 0.0% | |
| MLD MORTGAGE INC. | $355,000 | n/a | 0.0% | |
| ABSOLUTE HOME MORTGAGE CORPORATION | $1,605,000 | $345,000 | -78.5% | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | $415,000 | $345,000 | -16.9% | 0.0% |
| A&D Mortgage LLC | $595,000 | $335,000 | -43.7% | 0.0% |
| POLISH & SLAVIC FEDERAL CREDIT UNION | $125,000 | $335,000 | 168.0% | 0.0% |
| Plains Commerce Bank | $920,000 | $330,000 | -64.1% | 0.0% |
| LENDSURE MORTGAGE CORP. | $325,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $320,000 | n/a | 0.0% | |
| NBT Bank | $750,000 | $310,000 | -58.7% | 0.0% |
| STATE EMPLOYEES FEDERAL CREDIT UNION | $535,000 | $310,000 | -42.1% | 0.0% |
| ACADEMY MORTGAGE CORP. | $305,000 | n/a | 0.0% | |
| First Guaranty Mortgage Corporation | $305,000 | n/a | 0.0% | |
| First Internet Bank of Indiana | $305,000 | n/a | 0.0% | |
| LENDINGONE, LLC | $305,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $185,000 | $295,000 | 59.5% | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | $165,000 | $295,000 | 78.8% | 0.0% |
| FAY SERVICING, LLC | $290,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $105,000 | $290,000 | 176.2% | 0.0% |
| Paramount Bank | $255,000 | $285,000 | 11.8% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $275,000 | n/a | 0.0% | |
| Colonial Savings, F.A. | $275,000 | n/a | 0.0% | |
| SILVER HILL FUNDING, LLC | $275,000 | n/a | 0.0% | |
| The Lyons National Bank | $275,000 | n/a | 0.0% | |
| Evolve Bank & Trust | $265,000 | n/a | 0.0% | |
| Provident Bank | $265,000 | n/a | 0.0% | |
| ALLIED MORTGAGE GROUP, INC. | $275,000 | $255,000 | -7.3% | 0.0% |
| HARTFORD FUNDING, LTD. | $255,000 | n/a | 0.0% | |
| Truist Bank | $245,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $225,000 | $245,000 | 8.9% | 0.0% |
| Wayne Bank | $450,000 | $245,000 | -45.6% | 0.0% |
| GREENWOOD | $235,000 | n/a | 0.0% | |
| DRAPER AND KRAMER MORTGAGE CORP. | $225,000 | n/a | 0.0% | |
| Industrial Bank | $225,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $215,000 | n/a | 0.0% | |
| JUSTICE Federal Credit Union | $210,000 | n/a | 0.0% | |
| Lakeland Bank | $805,000 | $205,000 | -74.5% | 0.0% |
| Nassau Educators Federal Credit Union | $420,000 | $205,000 | -51.2% | 0.0% |
| TEACHERS | $785,000 | $195,000 | -75.2% | 0.0% |
| CAPITAL COMMUNICATIONS Federal Credit Union | $395,000 | $185,000 | -53.2% | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $515,000 | $185,000 | -64.1% | 0.0% |
| SIRVA MORTGAGE, INC. | $345,000 | $185,000 | -46.4% | 0.0% |
| GuardHill Financial Corp. | $2,710,000 | $175,000 | -93.5% | 0.0% |
| PARAGON HOME LOANS INC. | $175,000 | n/a | 0.0% | |
| HUNT MORTGAGE CORPORATION | $165,000 | n/a | 0.0% | |
| PATRIOT ONE MORTGAGE BANKERS, LLC | $165,000 | n/a | 0.0% | |
| Premium Mortgage Corporation | $580,000 | $165,000 | -71.6% | 0.0% |
| 21ST MORTGAGE CORPORATION | $125,000 | $160,000 | 28.0% | 0.0% |
| TRADEMARK | $155,000 | n/a | 0.0% | |
| UKRAINIAN NATIONAL Federal Credit Union | $155,000 | $155,000 | 0.0% | 0.0% |
| Shamrock Home Loans, Inc. | $135,000 | n/a | 0.0% | |
| Fidelity Bank | $125,000 | n/a | 0.0% | |
| Baxter Credit Union | $105,000 | n/a | 0.0% | |
| Ballston Spa National Bank | $75,000 | $90,000 | 20.0% | 0.0% |
| Seneca Savings | $195,000 | $75,000 | -61.5% | 0.0% |
| CORNING | $265,000 | $55,000 | -79.2% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $15,000 | $45,000 | 200.0% | 0.0% |
KINGSTON's top lender by overall market share is QUICKEN LOANS, LLC, with 10.8% market share. In second place, with 10.2%, is Ulster Savings Bank, having originated $172,735,000 in loans. In third place, with 6.5%, is Rondout Savings Bank, having originated $109,365,000 in loans. In third place, with 4.7%, is READYCAP COMMERCIAL, LLC, having originated $78,655,000 in loans. In third place, with 4.4%, is HOMESTEAD FUNDING CORP., having originated $74,935,000 in loans.
KINGSTON, NY Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,392 | $875,160,000 | $365,870 |
| Refi | 1,416 | $339,020,000 | $239,421 |
| Cash Out Refi | 1,414 | $386,390,000 | $273,260 |
| Home Improvement | 357 | $39,335,000 | $110,182 |
| Other | 259 | $47,975,000 | $185,232 |
| NA | 1 | $275,000 | $275,000 |
Kingston's most frequently cited loan purpose was Home Purchase, with 2,392 originations. The 2nd most popular reason was Refi, with 1,416 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 2,133 | $639,885,000 | $299,993 |
| 3-4% | 1,857 | $503,535,000 | $271,155 |
| <2.5% | 894 | $209,100,000 | $233,893 |
| 4-5% | 215 | $114,605,000 | $533,047 |
| 5-6% | 95 | $11,235,000 | $118,263 |
| 6-7% | 27 | $2,955,000 | $109,444 |
| 7-8% | 13 | $1,445,000 | $111,154 |
| Over 8% | 12 | $1,110,000 | $92,500 |
During 2021, Kingston's most frequently originated rate bucket was 2.5-3%, with 2,133 originations.
Loan Sizing (KINGSTON, NY MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 2,770 | $766,160,000 | $276,592 |
| $100k-200k | 1,720 | $266,260,000 | $154,802 |
| $100,000 or less | 570 | $33,180,000 | $58,211 |
| $400k-600k | 543 | $258,875,000 | $476,750 |
| $600k-1000k | 149 | $108,075,000 | $725,336 |
| $Over $1MM | 87 | $255,605,000 | $2,937,989 |
KINGSTON's loan sizing saw the bucket of loans from $200k-400k with 2,770 originations, totaling $766,160,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 1,860 | $601,420,000 | $323,344 |
| 80-100% | 1,504 | $536,660,000 | $356,822 |
| 40-60% | 1,022 | $237,830,000 | $232,710 |
| 20-40% | 503 | $76,805,000 | $152,694 |
| Under 20% | 307 | $17,075,000 | $55,619 |
| Over 100% | 23 | $7,275,000 | $316,304 |
KINGSTON's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,860 originations, totaling $601,420,000 in origination value.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - KINGSTON (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 | $277,300 (13.2%) | $416,641 (15.2%) | 1.02 | 1,266 |
| 2018-02-01 | $272,500 (10.3%) | $418,353 (15.7%) | 0.98 | 1,222 |
| 2018-03-01 | $279,000 (13.9%) | $429,719 (17.9%) | 0.97 | 1,197 |
| 2018-04-01 | $299,000 (19.7%) | $458,666 (26.1%) | 1.00 | 1,052 |
| 2018-05-01 | $299,700 (15.3%) | $459,849 (24.7%) | 1.00 | 1,217 |
| 2018-06-01 | $315,000 (18.0%) | $455,299 (21.4%) | 1.05 | 1,372 |
| 2018-07-01 | $314,750 (16.6%) | $441,895 (14.9%) | 1.05 | 1,379 |
| 2018-08-01 | $312,500 (16.5%) | $433,930 (11.7%) | 1.04 | 1,386 |
| 2018-09-01 | $309,000 (14.9%) | $430,234 (8.0%) | 1.03 | 1,401 |
| 2018-10-01 | $299,950 (9.9%) | $445,774 (9.1%) | 1.00 | 1,374 |
| 2018-11-01 | $302,450 (9.2%) | $459,163 (11.4%) | 1.01 | 1,308 |
| 2018-12-01 | $299,900 (7.5%) | $448,035 (7.4%) | 1.03 | 1,180 |
| 2019-01-01 | $299,900 (8.2%) | $446,381 (7.1%) | 1.03 | 1,075 |
| 2019-02-01 | $305,900 (12.3%) | $453,567 (8.4%) | 1.02 | 1,025 |
| 2019-03-01 | $296,757 (6.4%) | $443,189 (3.1%) | 0.97 | 1,154 |
| 2019-04-01 | $290,807 (-2.7%) | $425,108 (-7.3%) | 0.92 | 1,369 |
| 2019-05-01 | $295,000 (-1.6%) | $423,442 (-7.9%) | 0.91 | 1,528 |
| 2019-06-01 | $345,000 (9.5%) | $475,315 (4.4%) | 1.06 | 1,268 |
| 2019-07-01 | $349,000 (10.9%) | $476,941 (7.9%) | 1.08 | 1,333 |
| 2019-08-01 | $349,386 (11.8%) | $477,250 (10.0%) | 1.10 | 1,350 |
| 2019-09-01 | $349,836 (13.2%) | $479,274 (11.4%) | 1.11 | 1,365 |
| 2019-10-01 | $343,750 (14.6%) | $459,986 (3.2%) | 1.10 | 1,366 |
| 2019-11-01 | $339,000 (12.1%) | $460,086 (0.2%) | 1.09 | 1,320 |
| 2019-12-01 | $335,000 (11.7%) | $455,575 (1.7%) | 1.12 | 1,177 |
| 2020-01-01 | $342,000 (14.0%) | $441,003 (-1.2%) | 1.14 | 989 |
| 2020-02-01 | $339,900 (11.1%) | $437,133 (-3.6%) | 1.10 | 915 |
| 2020-03-01 | $345,300 (16.4%) | $438,314 (-1.1%) | 1.08 | 895 |
| 2020-04-01 | $342,450 (17.8%) | $444,800 (4.6%) | 1.07 | 869 |
| 2020-05-01 | $349,000 (18.3%) | $467,124 (10.3%) | 1.06 | 801 |
| 2020-06-01 | $352,450 (2.2%) | $467,812 (-1.6%) | 1.03 | 805 |
| 2020-07-01 | $359,500 (3.0%) | $470,906 (-1.3%) | 1.03 | 905 |
| 2020-08-01 | $379,000 (8.5%) | $514,011 (7.7%) | 1.08 | 927 |
| 2020-09-01 | $394,000 (12.6%) | $525,762 (9.7%) | 1.13 | 989 |
| 2020-10-01 | $399,000 (16.1%) | $556,432 (21.0%) | 1.14 | 972 |
| 2020-11-01 | $409,999 (20.9%) | $583,674 (26.9%) | 1.17 | 875 |
| 2020-12-01 | $409,950 (22.4%) | $579,499 (27.2%) | 1.20 | 769 |
| 2021-01-01 | $410,000 (19.9%) | $582,981 (32.2%) | 1.21 | 660 |
| 2021-02-01 | $412,500 (21.4%) | $580,370 (32.8%) | 1.19 | 549 |
| 2021-03-01 | $417,450 (20.9%) | $586,403 (33.8%) | 1.17 | 512 |
| 2021-04-01 | $411,000 (20.0%) | $581,246 (30.7%) | 1.10 | 509 |
| 2021-05-01 | $400,000 (14.6%) | $575,938 (23.3%) | 1.05 | 577 |
| 2021-06-01 | $421,950 (19.7%) | $582,262 (24.5%) | 1.10 | 616 |
| 2021-07-01 | $444,000 (23.5%) | $617,871 (31.2%) | 1.15 | 647 |
| 2021-08-01 | $439,950 (16.1%) | $640,702 (24.7%) | 1.16 | 714 |
| 2021-09-01 | $432,500 (9.8%) | $650,883 (23.8%) | 1.14 | 737 |
| 2021-10-01 | $429,900 (7.7%) | $676,960 (21.7%) | 1.13 | 728 |
| 2021-11-01 | $437,000 (6.6%) | $691,356 (18.5%) | 1.15 | 675 |
| 2021-12-01 | $442,450 (7.9%) | $707,856 (22.2%) | 1.18 | 554 |
| 2022-01-01 | $449,000 (9.5%) | $740,625 (27.0%) | 1.20 | 438 |
| 2022-02-01 | $454,500 (10.2%) | $753,028 (29.8%) | 1.16 | 341 |
| 2022-03-01 | $454,950 (9.0%) | $680,648 (16.1%) | 1.12 | 343 |
| 2022-04-01 | $464,900 (13.1%) | $676,588 (16.4%) | 1.09 | 381 |
| 2022-05-01 | $459,500 (14.9%) | $654,881 (13.7%) | 1.03 | 472 |
KINGSTON's median listing price for 2022-05-01 was $459,500, a difference of
$59,500
(14.9%) versus the prior year and
$-5,400 versus the prior month.
KINGSTON's median listing price comes in at 103% of the national average.
KINGSTON's average listing price for 2022-05-01 was $654,881, a difference of $78,943 (13.7%) versus the prior year and $-21,707 versus the prior month.
For the 2022-05-01 period, KINGSTON had 472 MLS listings, a difference of 91 listings (24%) versus the prior month and -105 listings (-18%) versus the prior year.
KINGSTON's median listing price comes in at 103% of the national average.
KINGSTON's average listing price for 2022-05-01 was $654,881, a difference of $78,943 (13.7%) versus the prior year and $-21,707 versus the prior month.
For the 2022-05-01 period, KINGSTON had 472 MLS listings, a difference of 91 listings (24%) versus the prior month and -105 listings (-18%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - KINGSTON (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 119 days | 1,976 sqft |
| 2018-02-01 | 122 days | 1,973 sqft |
| 2018-03-01 | 118 days | 1,992 sqft |
| 2018-04-01 | 88 days | 2,091 sqft |
| 2018-05-01 | 69 days | 2,085 sqft |
| 2018-06-01 | 62 days | 2,068 sqft |
| 2018-07-01 | 70 days | 2,044 sqft |
| 2018-08-01 | 77 days | 2,051 sqft |
| 2018-09-01 | 86 days | 2,030 sqft |
| 2018-10-01 | 89 days | 2,026 sqft |
| 2018-11-01 | 96 days | 2,044 sqft |
| 2018-12-01 | 102 days | 2,044 sqft |
| 2019-01-01 | 107 days | 2,055 sqft |
| 2019-02-01 | 113 days | 2,027 sqft |
| 2019-03-01 | 102 days | 1,960 sqft |
| 2019-04-01 | 78 days | 1,884 sqft |
| 2019-05-01 | 64 days | 1,888 sqft |
| 2019-06-01 | 60 days | 2,052 sqft |
| 2019-07-01 | 64 days | 2,041 sqft |
| 2019-08-01 | 73 days | 2,045 sqft |
| 2019-09-01 | 81 days | 2,054 sqft |
| 2019-10-01 | 84 days | 2,028 sqft |
| 2019-11-01 | 88 days | 2,030 sqft |
| 2019-12-01 | 97 days | 2,023 sqft |
| 2020-01-01 | 108 days | 2,027 sqft |
| 2020-02-01 | 109 days | 2,083 sqft |
| 2020-03-01 | 106 days | 2,084 sqft |
| 2020-04-01 | 46 days | 2,070 sqft |
| 2020-05-01 | 56 days | 2,067 sqft |
| 2020-06-01 | 65 days | 2,040 sqft |
| 2020-07-01 | 37 days | 2,015 sqft |
| 2020-08-01 | 42 days | 2,112 sqft |
| 2020-09-01 | 44 days | 2,073 sqft |
| 2020-10-01 | 49 days | 2,092 sqft |
| 2020-11-01 | 63 days | 2,137 sqft |
| 2020-12-01 | 78 days | 2,100 sqft |
| 2021-01-01 | 91 days | 2,123 sqft |
| 2021-02-01 | 99 days | 2,128 sqft |
| 2021-03-01 | 72 days | 2,072 sqft |
| 2021-04-01 | 56 days | 2,040 sqft |
| 2021-05-01 | 39 days | 2,027 sqft |
| 2021-06-01 | 42 days | 2,014 sqft |
| 2021-07-01 | 49 days | 2,099 sqft |
| 2021-08-01 | 52 days | 2,051 sqft |
| 2021-09-01 | 55 days | 2,009 sqft |
| 2021-10-01 | 62 days | 1,974 sqft |
| 2021-11-01 | 66 days | 1,967 sqft |
| 2021-12-01 | 77 days | 1,913 sqft |
| 2022-01-01 | 93 days | 1,960 sqft |
| 2022-02-01 | 100 days | 2,018 sqft |
| 2022-03-01 | 70 days | 1,951 sqft |
| 2022-04-01 | 39 days | 1,924 sqft |
| 2022-05-01 | 35 days | 1,891 sqft |
KINGSTON's median listing age (time on market) for 2022-05-01 was 35 days.
This
is -10%
shorter
than the same period one year ago.
KINGSTON's median square footage for active listings during the 2022-05-01 period was 1,891 sqft. One year prior, the average listing was 2,027 sqft.
KINGSTON's median square footage for active listings during the 2022-05-01 period was 1,891 sqft. One year prior, the average listing was 2,027 sqft.
