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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 388 3.11% $6,068
Ulster Savings Bank 357 3.17% $4,341
HOMESTEAD FUNDING CORP. 187 3.17% $4,578
PRIMELENDING, A PLAINSCAPITAL COMPANY 151 3.19% $4,975
HUDSON VALLEY CREDIT UNION 125 3.01% $3,273
Wells Fargo Bank 116 3.01% $4,486
JPMorgan Chase Bank 112 2.95% $3,914
MID-HUDSON VALLEY 111 3.08% $4,495
KeyBank 103 2.99% $3,624
LOANDEPOT.COM, LLC 94 2.99% $5,363
Bank of America 57 2.80% $4,245
BETTER MORTGAGE CORPORATION 49 2.96% $5,447
UNITED WHOLESALE MORTGAGE, LLC 47 3.01% $6,362
Manufacturers and Traders Trust Company 37 3.31% $4,602
CROSSCOUNTRY MORTGAGE, LLC 37 3.11% $6,189
Walden Savings Bank 34 3.23% $2,318
NEWREZ LLC 32 3.24% $5,759
Valley National Bank 31 3.12% $4,282
Citizens Bank 31 2.99% $6,061
GUARANTEED RATE, INC. 30 3.11% $5,062
TD Bank 25 2.88% $7,010
TEG Federal Credit Union 25 3.06% $2,790
HOME POINT FINANCIAL CORPORATION 23 3.12% $8,036
NATIONWIDE MORTGAGE BANKERS, INC. 22 3.28% $6,779
TrustCo Bank 21 3.06% $2,017
Citibank 19 2.83% $6,196
Mr. Cooper ( Nationstar Mortgage ) 18 3.43% $6,342
U.S. Bank 12 2.96% $5,211
HOMEBRIDGE FINANCIAL SERVICES, INC. 11 3.15% $6,645
FREEDOM MORTGAGE CORPORATION 11 3.28% $5,702
CALIBER HOME LOANS, INC. 10 3.13% $5,358
PLAZA HOME MORTGAGE, INC. 10 3.32% $8,452
UNITED NORTHERN MORTGAGE BANKERS LIMITED 10 2.94% $5,516
NAVY FEDERAL CREDIT UNION 9 3.21% $6,141
Morgan Stanley Private Bank 9 2.78% $5,231
Quontic Bank 9 5.50% $12,925
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 3.21% $6,780
Flagstar Bank, FSB 9 3.11% $3,789
FM Home Loans, LLC 8 3.61% $7,879
ARK MORTGAGE, INC. 8 3.34% $8,002
PENTAGON FEDERAL CREDIT UNION 8 2.77% $3,364
Community Bank 7 3.30% $3,044
ROYAL UNITED MORTGAGE LLC 7 3.29% $8,243
FINANCE OF AMERICA MORTGAGE LLC 7 3.30% $10,002
Luxury Mortgage Corp. 7 3.48% $10,103
UBS Bank USA 7 2.95% $6,452
First Republic Bank 7 2.71% $6,249
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 7 3.48% $7,006
GUARANTEED RATE AFFINITY, LLC 7 2.98% $5,614
GREENWAY MORTGAGE FUNDING CORP. 6 3.15% $4,213
ARC HOME LLC 6 3.77% $5,818
RELIANCE FIRST CAPITAL, LLC 6 3.21% $10,796
NJ LENDERS CORP. 6 2.79% $4,316
City National Bank 5 3.01% $6,639
The Federal Savings Bank 5 3.00% $4,768
AMERICAN FINANCING CORPORATION 5 3.08% $5,750
North American Savings Bank, F.S.B. 4 2.78% $2,801
CONTOUR MORTGAGE CORPORATION 4 3.09% $6,443
SEFCU SERVICES, LLC 4 2.94% $3,012
Stifel Bank and Trust 4 2.69% $3,615
SUNMARK FEDERAL CREDIT UNION 4 2.94% $4,635
TOTAL MORTGAGE SERVICES, LLC 4 4.28% $6,155
United Nations Federal Credit Union 4 2.75% $4,775
InterContinental Capital Group, Inc 4 2.84% $4,160
MOVEMENT MORTGAGE, LLC 4 3.17% $4,397
NBKC BANK 4 3.03% $2,980
OWNERSCHOICE FUNDING, INCORPORATED 4 3.28% $3,385
USAlliance Federal Credit Union 3 3.17% $4,294
Bethpage Federal Credit Union 3 3.00% $5,961
PARKSIDE LENDING, LLC 3 3.17% $6,263
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 3 2.96% $6,157
Discover Bank 3 4.50% $0
People's United Bank 3 3.08% $5,772
CCFCU FUNDING, LLC 3 3.21% $4,005
HSBC BANK USA, NATIONAL ASSOCIATION 3 2.88% $6,245
JET DIRECT FUNDING CORP 3 3.63% $7,856
Santander Bank, N.A. 3 2.92% $5,720
AMERICAN FINANCIAL NETWORK, INC. 3 3.50% $13,189
Equity Prime Mortgage LLC 2 3.25% $3,976
ENVOY MORTGAGE, LTD 2 3.19% $4,233
Advisors Mortgage Group, L.L.C. 2 2.88% $4,933
AFFINITY 2 3.00% $2,871
TIAA, FSB 2 3.13% $7,842
The Union Bank Company 2 3.06% $5,893
CLIFFCO, INC. 2 3.13% $4,319
EMM LOANS LLC 2 3.06% $6,962
PNC Bank 2 2.94% $4,393
The Bank of Greene County 2 3.14% $2,518
EMBRACE HOME LOANS, INC. 2 3.06% $3,795
PHH Mortgage Corporation 2 3.56% $7,887
Plains Commerce Bank 2 3.13% $4,319
Investors Bank 2 2.94% $3,932
BNB Bank 2 2.75% $4,885
AMERICAN FEDERAL MORTGAGE CORPORATION 2 2.69% $6,251
BOND STREET MORTGAGE, LLC 2 2.88% $5,924
Magnolia Bank 2 3.38% $6,736
FAMILY FIRST FUNDING LLC 2 3.19% $4,851
Webster Bank 2 2.75% $5,007
MID-ISLAND MORTGAGE CORP. 2 3.50% $4,833
WALL STREET MORTGAGE BANKERS, LTD. 2 2.88% $7,190
US MORTGAGE CORPORATION 2 3.69% $7,537
Municipal Credit Union 2 3.38% $3,950
Amalgamated Bank 2 2.88% $4,450
WILLIAM RAVEIS MORTGAGE, LLC 1 3.00% $5,209
A&D Mortgage LLC 1 5.88% $12,637
ALLIANT CREDIT UNION 1 2.88% $5,347
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 2.88% $4,614
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 4.50% $4,968
Bank of England 1 3.50% $11,170
Barrington Bank & Trust Company, N.A. 1 3.38% $4,840
BLAIR SERVICES OF AMERICA INC. 1 2.99% $6,503
BNY Mellon 1 2.50% $5,696
Charles Schwab Bank, SSB 1 2.50% $9,114
City National Bank of Florida 1 3.25% $7,143
CMG MORTGAGE, INC. 1 3.25% $7,731
Colonial Savings, F.A. 1 3.13% $6,076
DIGITAL Federal Credit Union 1 2.50% $6,140
Evolve Bank & Trust 1 2.88% $2,522
FIRST ALLIANCE HOME MORTGAGE, LLC 1 3.38% $4,408
First Home Bank 1 2.88% $4,644
HARTFORD FUNDING, LTD. 1 3.13% $4,867
IMPAC MORTGAGE CORP. 1 5.00% $19,207
JUSTICE Federal Credit Union 1 2.50% $6,493
Kearny Bank 1 2.75% $4,601
LYNX MORTGAGE BANK LLC 1 3.38% $5,857
MLD MORTGAGE INC. 1 2.75% $5,322
Nassau Educators Federal Credit Union 1 2.88% $404
NATIONWIDE EQUITIES CORPORATION 1 3.00% $6,321
NETWORK CAPITAL FUNDING CORPORATION 1 3.63% $1,538
NORWICH COMMERCIAL GROUP, INC. 1 3.50% $4,747
PARAGON HOME LOANS INC. 1 2.88% $2,460
PATRIOT ONE MORTGAGE BANKERS, LLC 1 2.88% $7,801
PLANET HOME LENDING, LLC 1 2.88% $3,594
POLISH & SLAVIC FEDERAL CREDIT UNION 1 2.88% $4,070
Popular Bank 1 2.63% $4,938
Raymond James Bank 1 2.75% $11,098
Reliant Bank 1 3.13% $3,657
RESIDENTIAL HOME FUNDING CORP. 1 2.75% $4,841
SELF RELIANCE NY Federal Credit Union 1 2.95% $3,861
Shamrock Home Loans, Inc. 1 3.13% $3,105
Silicon Valley Bank 1 2.63% $6,925
SUN WEST MORTGAGE COMPANY, INC. 1 2.75% $4,613
The Lyons National Bank 1 2.88% $5,090
Truist Bank 1 2.99% $7,728
UNITED MORTGAGE CORP. 1 2.75% $5,319
USAA Federal Savings Bank 1 2.75% $8,233
ABSOLUTE HOME MORTGAGE CORPORATION 1 3.00% $6,827

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.

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.