KINGSTON Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Kingston averaged 6.05% for the week of 2024-10-03, compared to the national average of 6.12% for the same period.

The average rate for the prior week (2024-09-26) was 6.11% and one month ago for the week of 2024-08-29, the average rate was 6.18%.

Kingston's average rate one year ago was 7.24%.

For refis of the same type during the week of 2024-10-03, the average rate was 6.62%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-03 6.12%
Kingston 30 Year Fixed Rate 2024-10-03 6.05%
Kingston 30 Year Fixed Rate Refi 2024-10-03 6.62%
Kingston 15 Year Fixed Rate 2024-10-03 5.25%
Kingston 15 Year Fixed Rate Refi 2024-10-03 5.85%
Kingston 30 Year FHA 2024-10-03 5.7%
Kingston 30 Year FHA Refi 2024-10-03 5.69%
Kingston 30 Year USDA 2024-10-03 5.77%
Kingston 30 Year USDA Refi 2024-10-03 6.07%
Kingston 30 Year VA 2024-10-03 5.5%
Kingston 30 Year VA Refi 2024-10-03 5.6%
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 lender, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Ulster Savings Bank 134 6.61% $5,346
HOMESTEAD FUNDING CORP. 95 6.80% $5,435
QUICKEN LOANS, LLC 90 6.88% $7,821
PRIMELENDING, A PLAINSCAPITAL COMPANY 54 6.87% $8,954
HUDSON VALLEY CREDIT UNION 51 6.26% $4,859
JPMorgan Chase Bank 47 6.78% $6,623
MID-HUDSON VALLEY 47 6.49% $5,208
UNITED WHOLESALE MORTGAGE, LLC 37 6.83% $9,612
KeyBank 35 6.56% $4,451
CROSSCOUNTRY MORTGAGE, LLC 25 6.84% $6,434
Wells Fargo Bank 22 6.59% $6,791
TrustCo Bank 21 6.52% $4,073
Walden Savings Bank 18 6.21% $3,092
Citibank 18 5.87% $6,504
Bank of America 16 6.02% $7,916
Valley National Bank 16 6.84% $6,754
LOANDEPOT.COM, LLC 15 6.82% $6,551
GUARANTEED RATE, INC. 14 6.65% $7,046
TD Bank 12 6.15% $5,996
TEG Federal Credit Union 11 6.20% $3,387
Citizens Bank 10 6.40% $5,327
BETTER MORTGAGE CORPORATION 10 6.59% $6,140
NEWREZ LLC 9 6.75% $9,999
City National Bank 7 6.36% $7,330
M&T Bank 7 6.20% $6,037
PLAZA HOME MORTGAGE, INC. 6 7.10% $10,009
A&D Mortgage LLC 5 7.70% $11,320
NATIONWIDE MORTGAGE BANKERS, INC. 5 7.03% $12,030
U.S. Bank 5 6.65% $13,065
Morgan Stanley Private Bank 5 5.80% $5,985
SELF RELIANCE NY Federal Credit Union 5 5.81% $3,841
Plains Commerce Bank 4 6.75% $7,651
Mr. Cooper ( Nationstar Mortgage ) 4 6.15% $9,584
The Bank of Greene County 4 6.59% $5,079
GUARANTEED RATE AFFINITY, LLC 4 6.65% $6,423
RELIANCE FIRST CAPITAL, LLC 4 7.09% $8,086
SEFCU SERVICES, LLC 3 4.79% $9,626
NJ LENDERS CORP. 3 6.88% $8,043
NBKC BANK 3 6.54% $4,787
NAVY FEDERAL CREDIT UNION 3 6.38% $6,498
MID-ISLAND MORTGAGE CORP. 3 7.83% $4,070
MOVEMENT MORTGAGE, LLC 3 6.66% $5,412
BNB Bank 3 5.54% $4,644
CALIBER HOME LOANS, INC. 3 6.91% $7,669
Ally Bank 3 6.25% $7,260
CLIFFCO, INC. 3 8.33% $12,954
East Coast Capital Corp. 3 6.79% $11,436
Raymond James Bank 3 6.21% $12,881
Prosperity Home Mortgage, LLC 3 7.04% $7,976
Community Bank 2 6.13% $4,120
AMERICAN FINANCIAL NETWORK, INC. 2 7.44% $14,202
Bethpage Federal Credit Union 2 6.75% $5,465
BNY Mellon 2 5.19% $7,163
Charles Schwab Bank, SSB 2 6.06% $5,340
CMG MORTGAGE, INC. 2 6.56% $8,428
Actors Federal Credit Union 2 5.53% $5,583
CONTOUR MORTGAGE CORPORATION 2 7.31% $10,915
DRAPER AND KRAMER MORTGAGE CORP. 2 6.75% $7,010
EMBRACE HOME LOANS, INC. 2 6.81% $10,503
Flagstar Bank, FSB 2 7.25% $10,167
FM Home Loans, LLC 2 6.75% $6,635
Goldman Sachs Bank USA 2 5.61% $6,252
GuardHill Financial Corp. 2 6.81% $5,776
PENNYMAC LOAN SERVICES, LLC 2 6.81% $6,676
PNC Bank 2 5.75% $7,807
Stifel Bank and Trust 2 6.44% $5,790
SUNMARK FEDERAL CREDIT UNION 2 6.88% $4,810
USAA Federal Savings Bank 2 6.19% $7,893
Magnolia Bank 1 7.50% $15,246
NBT Bank 1 7.00% $6,790
LYNX MORTGAGE BANK LLC 1 6.75% $4,444
Kwik Mortgage Corporation 1 7.13% $22,650
OWNERSCHOICE FUNDING, INCORPORATED 1 6.50% $3,206
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.50% $4,880
PENTAGON FEDERAL CREDIT UNION 1 6.75% $6,390
HUDSON HERITAGE 1 4.13% $7,172
PLANET HOME LENDING, LLC 1 6.50% $5,915
GREENWAY MORTGAGE FUNDING CORP. 1 6.13% $8,287
VAN DYK MORTGAGE CORPORATION 1 6.88% $5,262
Glens Falls National Bank and Trust Company 1 5.75% $3,768
FREEDOM MORTGAGE CORPORATION 1 5.38% $26,444
Provident Bank 1 5.75% $4,579
First Republic Bank 1 4.40% $10,643
Quontic Bank 1 10.13% $56,901
First Horizon Bank 1 6.88% $20,554
First-Citizens Bank & Trust Company 1 4.75% $6,019
Discover Bank 1 6.24% $0
DELTA COMMUNITY CREDIT UNION 1 6.38% $7,261
AFFINITY 1 5.88% $3,371
Wayne Bank 1 5.75% $7,379
Cathay Bank 1 6.25% $6,291
Carrington Mortgage Services, LLC 1 6.50% $14,091
CARDINAL FINANCIAL 1 5.99% $5,565
The Federal Savings Bank 1 6.25% $9,304
The Huntington National Bank 1 6.50% $7,544
Third Federal Savings and Loan Association of Cleveland 1 5.74% $4,854
TOGETHER CREDIT UNION 1 7.50% $6,188
Bank of England 1 6.63% $7,645
UBS Bank USA 1 7.50% $4,723
UIF CORPORATION 1 6.38% $4,389
ARK MORTGAGE, INC. 1 6.63% $12,566
United Nations Federal Credit Union 1 6.50% $5,606
UNITED NORTHERN MORTGAGE BANKERS LIMITED 1 7.50% $10,100
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.99% $7,315
Advisors Mortgage Group, L.L.C. 1 6.88% $4,502
ARC HOME LLC 1 6.38% $6,021
MLD MORTGAGE INC. 1 6.13% $4,827
Municipal Credit Union 1 6.75% $3,800
Nassau Educators Federal Credit Union 1 5.50% $964
Metro City Bank 1 7.38% $5,758
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 7.13% $8,611

KINGSTON Average Closing Costs & Other Stats

KINGSTON, NY's 111 lenders originated 2,676 loans during 2023. The total origination value was $778,090,000, with an average loan value of $290,766.

KINGSTON's average closing costs are $5,715.

The top KINGSTON lender as defined by loan originations is Ulster Savings Bank, with 134 loans originated. Their average total fees are $5,346, which is $89 lower than the next largest lender, HOMESTEAD FUNDING CORP..

The lowest fee KINGSTON lenders (with over 10 loans originated) are Walden Savings Bank ($3,092), TEG Federal Credit Union ($3,387), TrustCo Bank ($4,073), KeyBank ($4,451) and HUDSON VALLEY CREDIT UNION ($4,859).

The lowest rate KINGSTON lenders (with over 10 loans originated) are Citibank (5.87%), Bank of America (6.02%), TD Bank (6.15%), TEG Federal Credit Union (6.20%) and Walden Savings Bank (6.21%).

KINGSTON, 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
Ulster Savings Bank $125,385,000 $72,325,000 -42.3% 9.3%
HOMESTEAD FUNDING CORP. $59,950,000 $40,770,000 -32.0% 5.2%
GREYSTONE SERVICING COMPANY LLC $39,090,000 n/a 5.0%
HUDSON VALLEY CREDIT UNION $55,305,000 $38,600,000 -30.2% 5.0%
QUICKEN LOANS, LLC $74,480,000 $37,925,000 -49.1% 4.9%
Rondout Savings Bank $81,360,000 $35,450,000 -56.4% 4.6%
JONES LANG LASALLE MULTIFAMILY, LLC $35,385,000 n/a 4.5%
MID-HUDSON VALLEY $52,570,000 $31,375,000 -40.3% 4.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $42,380,000 $24,990,000 -41.0% 3.2%
JPMorgan Chase Bank $36,455,000 $21,705,000 -40.5% 2.8%
UNITED WHOLESALE MORTGAGE, LLC $25,410,000 $20,210,000 -20.5% 2.6%
Wallkill Valley Federal Savings and Loan Association $22,460,000 $18,910,000 -15.8% 2.4%
Sawyer Savings Bank $23,845,000 $17,430,000 -26.9% 2.2%
HUDSON HERITAGE $5,160,000 $16,995,000 229.4% 2.2%
Citizens Bank $26,645,000 $15,835,000 -40.6% 2.0%
Bank of America $22,970,000 $14,510,000 -36.8% 1.9%
Citibank $17,555,000 $14,320,000 -18.4% 1.8%
Wells Fargo Bank $37,275,000 $13,340,000 -64.2% 1.7%
KeyBank $23,010,000 $12,950,000 -43.7% 1.7%
Walden Savings Bank $13,300,000 $12,445,000 -6.4% 1.6%
CROSSCOUNTRY MORTGAGE, LLC $17,170,000 $11,900,000 -30.7% 1.5%
Rhinebeck Bank $7,375,000 $11,060,000 50.0% 1.4%
M&T Bank $19,055,000 $10,245,000 -46.2% 1.3%
TrustCo Bank $9,540,000 $10,025,000 5.1% 1.3%
TD Bank $16,530,000 $7,270,000 -56.0% 0.9%
LOANDEPOT.COM, LLC $16,480,000 $7,195,000 -56.3% 0.9%
Valley National Bank $8,270,000 $7,165,000 -13.4% 0.9%
City National Bank $7,760,000 $6,365,000 -18.0% 0.8%
GUARANTEED RATE, INC. $9,520,000 $5,995,000 -37.0% 0.8%
The Bank of Greene County $13,130,000 $5,390,000 -58.9% 0.7%
NAVY FEDERAL CREDIT UNION $4,760,000 $4,795,000 0.7% 0.6%
NEWREZ LLC $4,280,000 $4,735,000 10.6% 0.6%
PLAZA HOME MORTGAGE, INC. $3,030,000 $4,625,000 52.6% 0.6%
U.S. Bank $8,045,000 $3,965,000 -50.7% 0.5%
Plains Commerce Bank $410,000 $3,860,000 841.5% 0.5%
BETTER MORTGAGE CORPORATION $5,185,000 $3,810,000 -26.5% 0.5%
Raymond James Bank $545,000 $3,685,000 576.1% 0.5%
TEG Federal Credit Union $4,835,000 $3,565,000 -26.3% 0.5%
LENDINGHOME FUNDING CORPORATION $2,580,000 $3,455,000 33.9% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $7,325,000 $3,450,000 -52.9% 0.4%
Morgan Stanley Private Bank $11,355,000 $3,355,000 -70.5% 0.4%
NATIONWIDE MORTGAGE BANKERS, INC. $3,945,000 $3,290,000 -16.6% 0.4%
Mortgage Research Center, LLC $4,065,000 $3,140,000 -22.8% 0.4%
Logan Finance Corporation $235,000 $2,580,000 997.9% 0.3%
PNC Bank $1,075,000 $2,290,000 113.0% 0.3%
BNY Mellon $1,190,000 $2,260,000 89.9% 0.3%
FINANCE OF AMERICA REVERSE LLC $1,855,000 $2,175,000 17.3% 0.3%
CALIBER HOME LOANS, INC. $10,475,000 $2,170,000 -79.3% 0.3%
Bethpage Federal Credit Union $1,925,000 $2,150,000 11.7% 0.3%
NBT Bank $470,000 $2,080,000 342.6% 0.3%
FREEDOM MORTGAGE CORPORATION $3,560,000 $1,980,000 -44.4% 0.3%
First-Citizens Bank & Trust Company $1,960,000 n/a 0.3%
PENNYMAC LOAN SERVICES, LLC $1,030,000 $1,930,000 87.4% 0.2%
USAA Federal Savings Bank $1,955,000 $1,880,000 -3.8% 0.2%
SEFCU SERVICES, LLC $1,575,000 $1,870,000 18.7% 0.2%
Charles Schwab Bank, SSB $2,290,000 $1,740,000 -24.0% 0.2%
A&D Mortgage LLC $2,205,000 $1,730,000 -21.5% 0.2%
BNB Bank $1,715,000 n/a 0.2%
EMBRACE HOME LOANS, INC. $955,000 $1,715,000 79.6% 0.2%
Carrington Mortgage Services, LLC $1,930,000 $1,660,000 -14.0% 0.2%
The Federal Savings Bank $2,360,000 $1,575,000 -33.3% 0.2%
Goldman Sachs Bank USA $1,550,000 n/a 0.2%
CMG MORTGAGE, INC. $1,030,000 $1,500,000 45.6% 0.2%
Quontic Bank $1,580,000 $1,495,000 -5.4% 0.2%
NJ LENDERS CORP. $2,865,000 $1,395,000 -51.3% 0.2%
Stifel Bank and Trust $1,690,000 $1,360,000 -19.5% 0.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,455,000 $1,355,000 -6.9% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $6,620,000 $1,270,000 -80.8% 0.2%
First Republic Bank $11,600,000 $1,265,000 -89.1% 0.2%
East Coast Capital Corp. $480,000 $1,240,000 158.3% 0.2%
NBKC BANK $2,025,000 $1,235,000 -39.0% 0.2%
Community Bank $4,005,000 $1,225,000 -69.4% 0.2%
CLIFFCO, INC. $1,495,000 $1,205,000 -19.4% 0.2%
Prosperity Home Mortgage, LLC $1,135,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $4,125,000 $1,085,000 -73.7% 0.1%
Orange Bank &Trust Company $1,140,000 $1,075,000 -5.7% 0.1%
GuardHill Financial Corp. $2,185,000 $1,070,000 -51.0% 0.1%
Salisbury Bank and Trust Company $52,210,000 $1,065,000 -98.0% 0.1%
Discover Bank $1,115,000 $1,060,000 -4.9% 0.1%
SELF RELIANCE NY Federal Credit Union $840,000 $1,055,000 25.6% 0.1%
CONTOUR MORTGAGE CORPORATION $2,230,000 $1,015,000 -54.5% 0.1%
FM Home Loans, LLC $975,000 $990,000 1.5% 0.1%
NORWICH COMMERCIAL GROUP, INC. $985,000 n/a 0.1%
GUARANTEED RATE AFFINITY, LLC $1,005,000 $970,000 -3.5% 0.1%
UNITED NORTHERN MORTGAGE BANKERS LIMITED $1,485,000 $935,000 -37.0% 0.1%
STATE EMPLOYEES FEDERAL CREDIT UNION $1,565,000 $930,000 -40.6% 0.1%
LONGBRIDGE FINANCIAL, LLC $925,000 n/a 0.1%
ARK MORTGAGE, INC. $3,695,000 $905,000 -75.5% 0.1%
Actors Federal Credit Union $875,000 n/a 0.1%
Jeff Bank $1,250,000 $845,000 -32.4% 0.1%
Flagstar Bank, FSB $3,875,000 $830,000 -78.6% 0.1%
MOVEMENT MORTGAGE, LLC $2,790,000 $785,000 -71.9% 0.1%
Ally Bank $285,000 $775,000 171.9% 0.1%
First Horizon Bank $775,000 n/a 0.1%
MID-ISLAND MORTGAGE CORP. $590,000 $775,000 31.4% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $1,205,000 $760,000 -36.9% 0.1%
TRIAD FINANCIAL SERVICES, INC. $255,000 $735,000 188.2% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $670,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $380,000 $665,000 75.0% 0.1%
Tompkins Trust Company $665,000 n/a 0.1%
SUNMARK FEDERAL CREDIT UNION $375,000 $645,000 72.0% 0.1%
The Huntington National Bank $370,000 $635,000 71.6% 0.1%
Wayne Bank $2,915,000 $615,000 -78.9% 0.1%
American Airlines Federal Credit Union $590,000 n/a 0.1%
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. $285,000 $590,000 107.0% 0.1%
MLD MORTGAGE INC. $585,000 n/a 0.1%
21ST MORTGAGE CORPORATION $290,000 $580,000 100.0% 0.1%
AFFINITY $135,000 $575,000 325.9% 0.1%
Citadel Servicing Corporation $570,000 n/a 0.1%
Municipal Credit Union $1,515,000 $560,000 -63.0% 0.1%
TOGETHER CREDIT UNION $545,000 n/a 0.1%
USAlliance Federal Credit Union $2,970,000 $520,000 -82.5% 0.1%
Webster Bank $6,265,000 $520,000 -91.7% 0.1%
Kwik Mortgage Corporation $505,000 n/a 0.1%
FIRST CREDIT CORPORATION OF NEW YORK, INC. $65,000 $490,000 653.8% 0.1%
Hometown Equity Mortgage, LLC $790,000 $490,000 -38.0% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $545,000 $460,000 -15.6% 0.1%
FIRST ALLIANCE HOME MORTGAGE, LLC $460,000 n/a 0.1%
HARTFORD FUNDING, LTD. $460,000 n/a 0.1%
Cathay Bank $450,000 n/a 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $725,000 $450,000 -37.9% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $755,000 $440,000 -41.7% 0.1%
Magnolia Bank $325,000 $435,000 33.8% 0.1%
PENTAGON FEDERAL CREDIT UNION $3,610,000 $430,000 -88.1% 0.1%
WALL STREET MORTGAGE BANKERS, LTD. $215,000 $425,000 97.7% 0.1%
Nassau Educators Federal Credit Union $570,000 $420,000 -26.3% 0.1%
United Nations Federal Credit Union $5,225,000 $415,000 -92.1% 0.1%
ARC HOME LLC $440,000 $395,000 -10.2% 0.1%
BOND STREET MORTGAGE, LLC $355,000 n/a 0.0%
HOME TOWN FUNDING, INC. $595,000 $355,000 -40.3% 0.0%
The First Bank of Greenwich $355,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $910,000 $355,000 -61.0% 0.0%
UBS Bank USA $4,185,000 $345,000 -91.8% 0.0%
GREENWOOD $35,000 $340,000 871.4% 0.0%
BAYPORT FUNDING LLC $305,000 n/a 0.0%
DELTA COMMUNITY CREDIT UNION $305,000 n/a 0.0%
GREENWAY MORTGAGE FUNDING CORP. $275,000 $305,000 10.9% 0.0%
CARDINAL FINANCIAL $1,305,000 $295,000 -77.4% 0.0%
PLANET HOME LENDING, LLC $275,000 $275,000 0.0% 0.0%
ALLIANT CREDIT UNION $265,000 $255,000 -3.8% 0.0%
Ponce Bank $255,000 n/a 0.0%
The National Bank of Coxsackie $185,000 $255,000 37.8% 0.0%
Provident Bank $245,000 n/a 0.0%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $205,000 n/a 0.0%
LENDSURE MORTGAGE CORP. $405,000 $205,000 -49.4% 0.0%
LYNX MORTGAGE BANK LLC $205,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $1,310,000 $195,000 -85.1% 0.0%
State Department Federal Credit Union $195,000 n/a 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $4,635,000 $185,000 -96.0% 0.0%
UIF CORPORATION $185,000 n/a 0.0%
Advisors Mortgage Group, L.L.C. $965,000 $175,000 -81.9% 0.0%
Bank of England $1,050,000 $165,000 -84.3% 0.0%
OWNERSCHOICE FUNDING, INCORPORATED $510,000 $145,000 -71.6% 0.0%
Glens Falls National Bank and Trust Company $135,000 n/a 0.0%
VAN DYK MORTGAGE CORPORATION $135,000 n/a 0.0%
FINANCE OF AMERICA MORTGAGE LLC $5,575,000 $125,000 -97.8% 0.0%
SUMA YONKERS Federal Credit Union $135,000 $125,000 -7.4% 0.0%
Metro City Bank $845,000 $115,000 -86.4% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $105,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $460,000 $105,000 -77.2% 0.0%
PINNACLE $95,000 n/a 0.0%
BayCoast Bank $110,000 $85,000 -22.7% 0.0%
TEACHERS $1,160,000 $85,000 -92.7% 0.0%
COMMUNITY RESOURCE FEDERAL CREDIT UNION $65,000 n/a 0.0%
GFA Federal Credit Union $65,000 n/a 0.0%
Lakeland Bank $45,000 n/a 0.0%
Baxter Credit Union $65,000 $35,000 -46.2% 0.0%
The People's Credit Union $65,000 $25,000 -61.5% 0.0%

KINGSTON's top lender by overall market share is Ulster Savings Bank, with 9.3% market share. In second place, with 5.2%, is HOMESTEAD FUNDING CORP., having originated $40,770,000 in loans. In third place, with 5.0%, is GREYSTONE SERVICING COMPANY LLC, having originated $39,090,000 in loans. In fourth place, with 5.0%, is HUDSON VALLEY CREDIT UNION, having originated $38,600,000 in loans. In fifth place, with 4.9%, is QUICKEN LOANS, LLC, having originated $37,925,000 in loans.


KINGSTON Housing Market Trends (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 $274,900 (15.0%) $450,702 (19.6%) 1.02 1,025
2018-02-01 $267,225 (11.4%) $443,991 (19.3%) 0.97 986
2018-03-01 $274,950 (14.7%) $465,097 (25.4%) 0.96 963
2018-04-01 $299,000 (20.1%) $505,794 (33.2%) 1.01 824
2018-05-01 $299,950 (15.4%) $511,973 (33.7%) 1.00 945
2018-06-01 $306,950 (14.1%) $498,242 (27.8%) 1.02 1,095
2018-07-01 $302,400 (12.0%) $481,629 (18.5%) 1.01 1,094
2018-08-01 $307,200 (16.0%) $474,445 (16.1%) 1.03 1,074
2018-09-01 $299,900 (11.8%) $461,776 (11.3%) 1.01 1,081
2018-10-01 $299,900 (10.1%) $479,059 (12.9%) 1.02 1,071
2018-11-01 $299,925 (9.1%) $489,432 (13.4%) 1.02 1,014
2018-12-01 $299,000 (8.8%) $476,249 (7.7%) 1.03 942
2019-01-01 $299,000 (8.8%) $472,999 (5.0%) 1.03 850
2019-02-01 $299,450 (12.1%) $484,276 (9.1%) 1.01 817
2019-03-01 $292,957 (6.6%) $466,576 (0.3%) 0.96 939
2019-04-01 $285,957 (-4.4%) $437,524 (-13.5%) 0.91 1,136
2019-05-01 $287,500 (-4.2%) $434,373 (-15.2%) 0.90 1,268
2019-06-01 $349,000 (13.7%) $499,640 (0.3%) 1.09 1,010
2019-07-01 $343,625 (13.6%) $489,647 (1.7%) 1.08 1,060
2019-08-01 $338,636 (10.2%) $483,812 (2.0%) 1.07 1,077
2019-09-01 $333,216 (11.1%) $474,368 (2.7%) 1.07 1,103
2019-10-01 $329,000 (9.7%) $466,685 (-2.6%) 1.06 1,110
2019-11-01 $324,999 (8.4%) $466,680 (-4.7%) 1.07 1,055
2019-12-01 $324,950 (8.7%) $466,427 (-2.1%) 1.08 939
2020-01-01 $327,000 (9.4%) $458,638 (-3.0%) 1.09 785
2020-02-01 $327,000 (9.2%) $457,663 (-5.5%) 1.07 738
2020-03-01 $344,900 (17.7%) $473,018 (1.4%) 1.08 791
2020-04-01 $348,000 (21.7%) $487,616 (11.5%) 1.09 767
2020-05-01 $349,900 (21.7%) $498,020 (14.7%) 1.06 707
2020-06-01 $357,000 (2.3%) $503,588 (0.8%) 1.05 677
2020-07-01 $362,500 (5.5%) $508,953 (3.9%) 1.05 743
2020-08-01 $375,000 (10.7%) $535,986 (10.8%) 1.07 765
2020-09-01 $384,683 (15.5%) $534,260 (12.6%) 1.10 818
2020-10-01 $399,000 (21.3%) $562,579 (20.6%) 1.14 806
2020-11-01 $400,000 (23.1%) $589,841 (26.4%) 1.17 707
2020-12-01 $401,250 (23.5%) $592,406 (27.0%) 1.19 633
2021-01-01 $409,000 (25.1%) $600,256 (30.9%) 1.22 542
2021-02-01 $409,750 (25.3%) $609,254 (33.1%) 1.19 458
2021-03-01 $405,000 (17.4%) $616,487 (30.3%) 1.15 429
2021-04-01 $410,000 (17.8%) $623,694 (27.9%) 1.11 428
2021-05-01 $399,950 (14.3%) $606,528 (21.8%) 1.06 469
2021-06-01 $417,238 (16.9%) $620,041 (23.1%) 1.10 503
2021-07-01 $434,450 (19.9%) $654,179 (28.5%) 1.15 536
2021-08-01 $438,500 (16.9%) $658,278 (22.8%) 1.17 581
2021-09-01 $427,450 (11.1%) $664,361 (24.4%) 1.14 601
2021-10-01 $409,900 (2.7%) $675,450 (20.1%) 1.09 598
2021-11-01 $412,500 (3.1%) $670,424 (13.7%) 1.10 547
2021-12-01 $425,000 (5.9%) $686,147 (15.8%) 1.15 454
2022-01-01 $439,450 (7.4%) $715,344 (19.2%) 1.19 366
2022-02-01 $452,250 (10.4%) $763,980 (25.4%) 1.18 287
2022-03-01 $449,675 (11.0%) $713,973 (15.8%) 1.13 286
2022-04-01 $449,900 (9.7%) $701,106 (12.4%) 1.07 308
2022-05-01 $454,500 (13.6%) $687,421 (13.3%) 1.04 374
2022-06-01 $499,000 (19.6%) $750,801 (21.1%) 1.11 518
2022-07-01 $499,225 (14.9%) $743,820 (13.7%) 1.12 615
2022-08-01 $499,450 (13.9%) $752,791 (14.4%) 1.15 632
2022-09-01 $499,000 (16.7%) $744,961 (12.1%) 1.17 632
2022-10-01 $490,000 (19.5%) $723,231 (7.1%) 1.15 633
2022-11-01 $499,000 (21.0%) $726,178 (8.3%) 1.20 607
2022-12-01 $489,900 (15.3%) $720,887 (5.1%) 1.21 535
2023-01-01 $468,725 (6.7%) $676,348 (-5.5%) 1.16 454
2023-02-01 $488,000 (7.9%) $678,094 (-11.2%) 1.18 391
2023-03-01 $479,500 (6.6%) $671,698 (-5.9%) 1.13 374
2023-04-01 $499,000 (10.9%) $751,826 (7.2%) 1.16 397
2023-05-01 $528,000 (16.2%) $742,438 (8.0%) 1.20 453
2023-06-01 $569,000 (14.0%) $782,814 (4.3%) 1.28 486
2023-07-01 $572,400 (14.7%) $784,469 (5.5%) 1.30 534
2023-08-01 $557,450 (11.6%) $779,435 (3.5%) 1.28 558
2023-09-01 $574,900 (15.2%) $800,563 (7.5%) 1.34 613
2023-10-01 $562,000 (14.7%) $801,021 (10.8%) 1.32 603
2023-11-01 $549,900 (10.2%) $790,592 (8.9%) 1.31 611
2023-12-01 $575,000 (17.4%) $824,805 (14.4%) 1.40 488
2024-01-01 $558,225 (19.1%) $814,954 (20.5%) 1.36 402
2024-02-01 $557,175 (14.2%) $813,681 (20.0%) 1.34 398
2024-03-01 $547,000 (14.1%) $825,092 (22.8%) 1.29 390
2024-04-01 $549,925 (10.2%) $813,079 (8.2%) 1.28 424
2024-05-01 $589,500 (11.7%) $849,649 (14.4%) 1.33 471
2024-06-01 $599,000 (5.3%) $883,871 (12.9%) 1.35 559
2024-07-01 $599,000 (4.7%) $848,285 (8.1%) 1.37 605
2024-08-01 $589,000 (5.7%) $808,293 (3.7%) 1.37 585
2024-09-01 $599,900 (4.4%) $817,618 (2.1%) 0.00 625
KINGSTON's median listing price for 2024-09-01 was $599,900, a difference of $25,000 (4.4%) versus the prior year and $10,900 versus the prior month.

KINGSTON's median listing price comes in at 0% of the national average.

KINGSTON's average listing price for 2024-09-01 was $817,618, a difference of $17,055 (2.1%) versus the prior year and $9,325 versus the prior month.

For the 2024-09-01 period, KINGSTON had 625 MLS listings, a difference of 40 listings (7%) versus the prior month and 12 listings (2%) 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
2018-01-01 121 days 1,917 sqft
2018-02-01 122 days 1,902 sqft
2018-03-01 116 days 1,920 sqft
2018-04-01 86 days 2,026 sqft
2018-05-01 68 days 2,044 sqft
2018-06-01 58 days 2,036 sqft
2018-07-01 66 days 1,996 sqft
2018-08-01 74 days 1,992 sqft
2018-09-01 86 days 1,957 sqft
2018-10-01 87 days 1,955 sqft
2018-11-01 90 days 2,000 sqft
2018-12-01 99 days 1,977 sqft
2019-01-01 107 days 1,999 sqft
2019-02-01 113 days 1,981 sqft
2019-03-01 96 days 1,906 sqft
2019-04-01 73 days 1,849 sqft
2019-05-01 60 days 1,851 sqft
2019-06-01 58 days 2,036 sqft
2019-07-01 63 days 2,014 sqft
2019-08-01 73 days 1,990 sqft
2019-09-01 80 days 1,968 sqft
2019-10-01 86 days 1,950 sqft
2019-11-01 95 days 1,956 sqft
2019-12-01 104 days 1,960 sqft
2020-01-01 116 days 1,980 sqft
2020-02-01 115 days 2,044 sqft
2020-03-01 107 days 2,051 sqft
2020-04-01 91 days 2,052 sqft
2020-05-01 94 days 2,052 sqft
2020-06-01 66 days 2,045 sqft
2020-07-01 38 days 2,023 sqft
2020-08-01 44 days 2,044 sqft
2020-09-01 46 days 2,023 sqft
2020-10-01 52 days 2,028 sqft
2020-11-01 66 days 2,069 sqft
2020-12-01 86 days 2,048 sqft
2021-01-01 100 days 2,061 sqft
2021-02-01 103 days 2,055 sqft
2021-03-01 86 days 1,993 sqft
2021-04-01 64 days 2,020 sqft
2021-05-01 43 days 1,985 sqft
2021-06-01 43 days 1,990 sqft
2021-07-01 51 days 2,045 sqft
2021-08-01 57 days 2,007 sqft
2021-09-01 58 days 1,969 sqft
2021-10-01 66 days 1,854 sqft
2021-11-01 69 days 1,859 sqft
2021-12-01 79 days 1,824 sqft
2022-01-01 101 days 1,854 sqft
2022-02-01 108 days 1,995 sqft
2022-03-01 78 days 1,924 sqft
2022-04-01 40 days 1,900 sqft
2022-05-01 38 days 1,892 sqft
2022-06-01 35 days 1,906 sqft
2022-07-01 43 days 1,980 sqft
2022-08-01 57 days 2,019 sqft
2022-09-01 66 days 2,020 sqft
2022-10-01 67 days 2,000 sqft
2022-11-01 77 days 2,054 sqft
2022-12-01 87 days 2,027 sqft
2023-01-01 99 days 1,965 sqft
2023-02-01 106 days 2,014 sqft
2023-03-01 108 days 2,020 sqft
2023-04-01 59 days 2,024 sqft
2023-05-01 46 days 2,005 sqft
2023-06-01 45 days 2,057 sqft
2023-07-01 51 days 2,059 sqft
2023-08-01 59 days 2,047 sqft
2023-09-01 66 days 2,051 sqft
2023-10-01 65 days 2,013 sqft
2023-11-01 69 days 1,998 sqft
2023-12-01 79 days 2,028 sqft
2024-01-01 92 days 2,044 sqft
2024-02-01 95 days 2,008 sqft
2024-03-01 72 days 1,962 sqft
2024-04-01 57 days 1,982 sqft
2024-05-01 47 days 1,996 sqft
2024-06-01 40 days 2,042 sqft
2024-07-01 49 days 2,075 sqft
2024-08-01 60 days 2,040 sqft
2024-09-01 0 days 2,066 sqft
KINGSTON's median listing age (time on market) for 2024-09-01 was 0 days. This is -100% shorter than the same period one year ago.

KINGSTON's median square footage for active listings during the 2024-09-01 period was 2,066 sqft. One year prior, the average listing was 2,051 sqft.

KINGSTON, NY Average Rent (2023)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
12401 Kingston, NY MSA $1,120 $1,190 $1,540 $2,020 $2,250
12402 Kingston, NY MSA $1,090 $1,160 $1,500 $1,960 $2,190
12404 Kingston, NY MSA $960 $1,020 $1,320 $1,730 $1,930
12406 Kingston, NY MSA $850 $960 $1,230 $1,620 $1,820
12409 Kingston, NY MSA $1,120 $1,190 $1,540 $2,020 $2,250
12410 Kingston, NY MSA $1,090 $1,160 $1,500 $1,960 $2,190
12411 Kingston, NY MSA $1,080 $1,140 $1,480 $1,940 $2,160
12412 Kingston, NY MSA $960 $1,020 $1,330 $1,740 $1,940
12416 Kingston, NY MSA $1,090 $1,160 $1,500 $1,960 $2,190
12417 Kingston, NY MSA $1,120 $1,190 $1,550 $2,030 $2,260
12419 Kingston, NY MSA $1,160 $1,230 $1,590 $2,080 $2,320
12420 Kingston, NY MSA $1,090 $1,170 $1,510 $1,970 $2,190
12428 Kingston, NY MSA $1,000 $1,060 $1,380 $1,810 $2,010
12429 Kingston, NY MSA $1,200 $1,280 $1,660 $2,180 $2,420
12432 Kingston, NY MSA $1,080 $1,150 $1,490 $1,950 $2,170
12433 Kingston, NY MSA $1,070 $1,140 $1,480 $1,940 $2,160
12435 Kingston, NY MSA $1,090 $1,160 $1,500 $1,960 $2,190
12440 Kingston, NY MSA $1,280 $1,360 $1,760 $2,300 $2,570
12441 Kingston, NY MSA $1,090 $1,160 $1,500 $1,960 $2,190
12443 Kingston, NY MSA $1,300 $1,380 $1,790 $2,340 $2,610
12446 Kingston, NY MSA $850 $960 $1,230 $1,620 $1,820
12448 Kingston, NY MSA $1,060 $1,130 $1,460 $1,920 $2,140
12449 Kingston, NY MSA $1,110 $1,180 $1,530 $2,000 $2,230
12453 Kingston, NY MSA $1,020 $1,090 $1,410 $1,850 $2,060
12455 Kingston, NY MSA $850 $960 $1,230 $1,620 $1,820
12456 Kingston, NY MSA $1,020 $1,090 $1,410 $1,850 $2,060
12457 Kingston, NY MSA $870 $960 $1,230 $1,620 $1,820
12458 Kingston, NY MSA $850 $960 $1,230 $1,620 $1,820
12461 Kingston, NY MSA $850 $960 $1,230 $1,620 $1,820
12463 Kingston, NY MSA $1,090 $1,160 $1,500 $1,960 $2,190
12464 Kingston, NY MSA $1,110 $1,180 $1,530 $2,000 $2,230
12465 Kingston, NY MSA $1,090 $1,160 $1,500 $1,960 $2,190
12466 Kingston, NY MSA $1,130 $1,200 $1,560 $2,040 $2,280
12471 Kingston, NY MSA $1,220 $1,300 $1,680 $2,200 $2,450
12472 Kingston, NY MSA $1,000 $1,060 $1,380 $1,810 $2,010
12475 Kingston, NY MSA $1,480 $1,560 $2,030 $2,660 $2,960
12477 Kingston, NY MSA $1,020 $1,090 $1,410 $1,850 $2,060
12480 Kingston, NY MSA $1,090 $1,160 $1,500 $1,960 $2,190
12481 Kingston, NY MSA $1,090 $1,160 $1,500 $1,960 $2,190
12483 Kingston, NY MSA $1,090 $1,160 $1,500 $1,960 $2,190
12484 Kingston, NY MSA $1,220 $1,290 $1,680 $2,200 $2,450
12486 Kingston, NY MSA $1,280 $1,360 $1,760 $2,300 $2,570
12487 Kingston, NY MSA $1,170 $1,240 $1,610 $2,110 $2,350
12489 Kingston, NY MSA $850 $960 $1,230 $1,620 $1,820
12490 Kingston, NY MSA $1,020 $1,090 $1,410 $1,850 $2,060
12491 Kingston, NY MSA $1,150 $1,220 $1,590 $2,080 $2,310
12493 Kingston, NY MSA $1,240 $1,310 $1,700 $2,230 $2,490
12494 Kingston, NY MSA $890 $960 $1,230 $1,620 $1,820
12495 Kingston, NY MSA $1,090 $1,160 $1,500 $1,960 $2,190
12498 Kingston, NY MSA $980 $1,040 $1,350 $1,770 $1,970
12515 Kingston, NY MSA $990 $1,050 $1,360 $1,780 $1,980
12525 Kingston, NY MSA $1,080 $1,150 $1,490 $1,950 $2,170
12528 Kingston, NY MSA $1,240 $1,310 $1,700 $2,220 $2,480
12542 Kingston, NY MSA $950 $1,010 $1,310 $1,710 $1,910
12547 Kingston, NY MSA $1,370 $1,460 $1,890 $2,470 $2,760
12548 Kingston, NY MSA $990 $1,050 $1,360 $1,780 $1,980
12550 Kingston, NY MSA $1,050 $1,150 $1,480 $1,880 $2,090
12561 Kingston, NY MSA $1,260 $1,340 $1,740 $2,280 $2,540
12566 Kingston, NY MSA $1,170 $1,260 $1,620 $2,100 $2,330
12568 Kingston, NY MSA $1,090 $1,160 $1,500 $1,960 $2,190
12586 Kingston, NY MSA $1,190 $1,300 $1,670 $2,130 $2,360
12588 Kingston, NY MSA $1,090 $1,160 $1,500 $1,960 $2,190
12589 Kingston, NY MSA $1,040 $1,110 $1,440 $1,870 $2,080
12725 Kingston, NY MSA $1,070 $1,140 $1,480 $1,930 $2,160
12740 Kingston, NY MSA $1,180 $1,260 $1,630 $2,130 $2,380
12758 Kingston, NY MSA $960 $1,020 $1,320 $1,730 $1,930
12763 Kingston, NY MSA $1,090 $1,160 $1,500 $1,960 $2,190
12789 Kingston, NY MSA $1,090 $1,160 $1,500 $1,960 $2,190
13731 Kingston, NY MSA $1,090 $1,160 $1,500 $1,960 $2,190

2022 Average & Median Rent Data Statistics
KINGSTON, NY average 1BR rent: $1,157, median: $1,160
KINGSTON, NY average 2BR rent: $1,496, median: $1,500
KINGSTON, NY average 3BR rent: $1,957, median: $1,960

KINGSTON, NY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,371 $490,815,000 $357,998
Cash Out Refi 423 $120,565,000 $285,024
Home Improvement 416 $45,410,000 $109,159
Other 258 $43,330,000 $167,946
Refi 208 $77,970,000 $374,856

Kingston's most frequently cited loan purpose was Home Purchase, with 1,371 originations. The 2nd most popular reason was Cash Out Refi, with 423 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 977 $263,145,000 $269,340
7-8% 611 $142,305,000 $232,905
Over 8% 329 $62,375,000 $189,590
5-6% 272 $139,300,000 $512,132
3-4% 150 $18,560,000 $123,733
4-5% 57 $22,735,000 $398,860
<2.5% 18 $3,270,000 $181,667
2.5-3% 2 $420,000 $210,000

During 2023, Kingston's most frequently originated rate bucket was 6-7%, with 977 originations.

Loan Sizing (KINGSTON, NY MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 980 $279,760,000 $285,469
$100,000 or less 606 $33,340,000 $55,017
$100k-200k 592 $85,720,000 $144,797
$400k-600k 337 $158,475,000 $470,252
$600k-1000k 117 $84,715,000 $724,060
$Over $1MM 44 $136,080,000 $3,092,727

KINGSTON's loan sizing saw the bucket of loans from $200k-400k with 980 originations, totaling $279,760,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 626 $226,510,000 $361,837
60-80% 601 $301,255,000 $501,256
Under 20% 474 $26,750,000 $56,435
20-40% 415 $62,155,000 $149,771
40-60% 285 $70,025,000 $245,702
Over 100% 11 $3,735,000 $339,545

KINGSTON's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 626 originations, totaling $226,510,000 in origination value.