Ogdensburg - Massena Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Ogdensburg - Massena averaged 6.79% for the week of 2023-03-16, compared to the national average of 6.6% for the same period.

The average rate for the prior week (2023-03-09) was 7.02% and one month ago for the week of 2023-02-09, the average rate was 6.71%.

Ogdensburg - Massena's average rate one year ago was 3.77%.

For refis of the same type during the week of 2023-03-16, the average rate was 7.36%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-03-16 6.6%
Ogdensburg - Massena 30 Year Fixed Rate 2023-03-16 6.79%
Ogdensburg - Massena 30 Year Fixed Rate Refi 2023-03-16 7.36%
Ogdensburg - Massena 15 Year Fixed Rate 2023-03-16 6.36%
Ogdensburg - Massena 15 Year Fixed Rate Refi 2023-03-16 6.53%
Ogdensburg - Massena 30 Year FHA 2023-03-16 6.59%
Ogdensburg - Massena 30 Year FHA Refi 2023-03-16 6.3%
Ogdensburg - Massena 30 Year USDA 2023-03-16 6.51%
Ogdensburg - Massena 30 Year VA 2023-03-16 6.49%
Ogdensburg - Massena 30 Year VA Refi 2023-03-16 6.12%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Ogdensburg-Massena, NY.

Ogdensburg - Massena 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 Ogdensburg-Massena, 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 76 5.33% $672
NORTHERN CREDIT UNION 41 4.95% $4,591
QUICKEN LOANS, LLC 29 5.18% $5,835
KeyBank 22 4.50% $3,832
NBT Bank 20 4.88% $3,700
MOVEMENT MORTGAGE, LLC 15 4.70% $4,646
Gouverneur Savings and Loan Association 14 4.79% $1,195
AMERICU Credit Union 12 4.83% $4,563
JPMorgan Chase Bank 7 5.30% $3,488
CROSSCOUNTRY MORTGAGE, LLC 7 5.46% $7,220
Genesee Regional Bank 7 5.57% $4,730
Wells Fargo Bank 6 5.38% $5,472
HOMESTEAD FUNDING CORP. 6 5.38% $4,319
NAVY FEDERAL CREDIT UNION 5 4.73% $2,759
Farm Credit East, ACA 4 5.50% $3,782
TD Bank 4 3.56% $4,876
Citizens Bank 3 3.50% $5,078
M&T Bank 3 4.58% $4,490
CALIBER HOME LOANS, INC. 3 5.42% $3,828
UNITED WHOLESALE MORTGAGE, LLC 3 5.25% $5,422
INLAND BANK & TRUST 3 5.25% $7,674
HUNT MORTGAGE CORPORATION 2 5.75% $8,358
NEWREZ LLC 2 5.00% $3,234
ROYAL UNITED MORTGAGE LLC 2 5.81% $6,830
BETTER MORTGAGE CORPORATION 2 4.75% $3,870
Premium Mortgage Corporation 2 5.63% $2,255
AMERICAN FINANCING CORPORATION 2 3.88% $4,892
PARAGON HOME LOANS INC. 2 5.88% $5,873
Wilmington Savings Fund Society, FSB 1 4.13% $4,530
Ally Bank 1 5.88% $3,123
Bank of America 1 3.13% $7,370
Carrington Mortgage Services, LLC 1 4.25% $5,045
CONTOUR MORTGAGE CORPORATION 1 5.63% $11,155
Empower Federal Credit Union 1 3.13% $3,818
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 5.25% $3,951
Flagstar Bank, FSB 1 6.50% $4,012
GUARANTEED RATE, INC. 1 5.63% $3,702
HOME POINT FINANCIAL CORPORATION 1 3.88% $3,768
HSBC BANK USA, NATIONAL ASSOCIATION 1 3.25% $4,469
LOANDEPOT.COM, LLC 1 3.25% $6,876
Mr. Cooper ( Nationstar Mortgage ) 1 3.99% $3,750
PENTAGON FEDERAL CREDIT UNION 1 3.75% $2,532
PHH Mortgage Corporation 1 4.75% $5,786
PLAZA HOME MORTGAGE, INC. 1 5.00% $12,198
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.00% $3,732
RBC Bank, (Georgia) 1 5.75% $2,077
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 5.38% $7,533
Tompkins Trust Company 1 5.25% $3,142
TOTAL MORTGAGE SERVICES, LLC 1 5.38% $9,403
UNITED MORTGAGE CORP. 1 4.50% $4,025
USAA Federal Savings Bank 1 5.13% $3,448
U.S. Bank 1 3.63% $5,559
AgFirst Farm Credit Bank 1 4.88% $5,327

Ogdensburg - Massena Average Closing Costs & Other Stats

Ogdensburg-Massena, NY's 53 lenders originated 1,080 loans during 2022. The total origination value was $151,980,000, with an average loan value of $140,722.

Ogdensburg - Massena's average closing costs are $3,778.

The top Ogdensburg - Massena lender as defined by loan originations is Community Bank, with 76 loans originated. Their average total fees are $672, which is $3,918 lower than the next largest lender, NORTHERN CREDIT UNION.

The lowest fee Ogdensburg - Massena lenders (with over 10 loans originated) are Community Bank ($672), Gouverneur Savings and Loan Association ($1,195), NBT Bank ($3,700), KeyBank ($3,832) and AMERICU Credit Union ($4,563).

The lowest rate Ogdensburg - Massena lenders (with over 10 loans originated) are KeyBank (4.50%), MOVEMENT MORTGAGE, LLC (4.70%), Gouverneur Savings and Loan Association (4.79%), AMERICU Credit Union (4.83%) and NBT Bank (4.88%).

Ogdensburg-Massena, 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 $39,570,000 $26,965,000 -31.9% 17.7%
CAPITAL COMMUNICATIONS Federal Credit Union $16,755,000 n/a 11.0%
QUICKEN LOANS, LLC $32,550,000 $15,260,000 -53.1% 10.0%
NORTHERN CREDIT UNION $16,660,000 $14,745,000 -11.5% 9.7%
KeyBank $12,380,000 $7,250,000 -41.4% 4.8%
MOVEMENT MORTGAGE, LLC $9,110,000 $6,655,000 -26.9% 4.4%
Gouverneur Savings and Loan Association $12,995,000 $6,550,000 -49.6% 4.3%
NBT Bank $6,710,000 $5,995,000 -10.7% 3.9%
AMERICU Credit Union $3,460,000 $3,840,000 11.0% 2.5%
Mortgage Research Center, LLC $1,800,000 $3,665,000 103.6% 2.4%
Genesee Regional Bank $5,390,000 $3,540,000 -34.3% 2.3%
CROSSCOUNTRY MORTGAGE, LLC $630,000 $3,045,000 383.3% 2.0%
Carthage Federal Savings and Loan Association $1,885,000 $1,940,000 2.9% 1.3%
HOMESTEAD FUNDING CORP. $3,445,000 $1,850,000 -46.3% 1.2%
Wells Fargo Bank $1,840,000 $1,720,000 -6.5% 1.1%
NAVY FEDERAL CREDIT UNION $2,240,000 $1,705,000 -23.9% 1.1%
Citizens Bank $1,535,000 $1,655,000 7.8% 1.1%
JPMorgan Chase Bank $2,445,000 $1,390,000 -43.1% 0.9%
USAA Federal Savings Bank $490,000 $1,315,000 168.4% 0.9%
Arbor Realty Trust, Inc. $1,205,000 n/a 0.8%
PLAZA HOME MORTGAGE, INC. $1,660,000 $1,200,000 -27.7% 0.8%
Farm Credit East, ACA $3,840,000 $1,075,000 -72.0% 0.7%
M&T Bank $1,480,000 $1,035,000 -30.1% 0.7%
LOANDEPOT.COM, LLC $3,245,000 $960,000 -70.4% 0.6%
GUARANTEED RATE, INC. $1,450,000 $880,000 -39.3% 0.6%
Wilmington Savings Fund Society, FSB $795,000 n/a 0.5%
UNITED WHOLESALE MORTGAGE, LLC $1,190,000 $780,000 -34.5% 0.5%
Barrington Bank & Trust Company, N.A. $845,000 $755,000 -10.7% 0.5%
INLAND BANK & TRUST $955,000 $745,000 -22.0% 0.5%
TD Bank $210,000 $740,000 252.4% 0.5%
Empower Federal Credit Union $480,000 $675,000 40.6% 0.4%
PREMIA MORTGAGE, LLC $590,000 n/a 0.4%
HOME POINT FINANCIAL CORPORATION $190,000 $585,000 207.9% 0.4%
AMERICAN INTERNET MORTGAGE, INC. $565,000 n/a 0.4%
BETTER MORTGAGE CORPORATION $595,000 $565,000 -5.0% 0.4%
Bank of England $170,000 $560,000 229.4% 0.4%
Bank of America $615,000 $555,000 -9.8% 0.4%
AMERICAN FINANCING CORPORATION $385,000 $515,000 33.8% 0.3%
ROYAL UNITED MORTGAGE LLC $720,000 $505,000 -29.9% 0.3%
Mr. Cooper ( Nationstar Mortgage ) $1,285,000 $500,000 -61.1% 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $360,000 $500,000 38.9% 0.3%
NBKC BANK $470,000 n/a 0.3%
Premium Mortgage Corporation $180,000 $465,000 158.3% 0.3%
PARAGON HOME LOANS INC. $1,560,000 $455,000 -70.8% 0.3%
FINANCE OF AMERICA REVERSE LLC $415,000 n/a 0.3%
HSBC BANK USA, NATIONAL ASSOCIATION $415,000 n/a 0.3%
HUNT MORTGAGE CORPORATION $495,000 $390,000 -21.2% 0.3%
Tompkins Trust Company $380,000 n/a 0.3%
Northpointe Bank $360,000 n/a 0.2%
CALIBER HOME LOANS, INC. $85,000 $345,000 305.9% 0.2%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $325,000 n/a 0.2%
NASA Federal Credit Union $285,000 n/a 0.2%
U.S. Bank $115,000 $285,000 147.8% 0.2%
NEWREZ LLC $450,000 $235,000 -47.8% 0.2%
CREDIT HUMAN FEDERAL CREDIT UNION $35,000 $230,000 557.1% 0.2%
FREEDOM MORTGAGE CORPORATION $490,000 $230,000 -53.1% 0.2%
CONTOUR MORTGAGE CORPORATION $225,000 n/a 0.1%
FIRST NEW YORK $225,000 n/a 0.1%
CCFCU FUNDING, LLC $645,000 $205,000 -68.2% 0.1%
North American Savings Bank, F.S.B. $205,000 n/a 0.1%
PHH Mortgage Corporation $205,000 n/a 0.1%
DIGITAL Federal Credit Union $115,000 $185,000 60.9% 0.1%
AgFirst Farm Credit Bank $175,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $175,000 n/a 0.1%
21ST MORTGAGE CORPORATION $645,000 $170,000 -73.6% 0.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $660,000 $165,000 -75.0% 0.1%
TOTAL MORTGAGE SERVICES, LLC $165,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $360,000 $160,000 -55.6% 0.1%
UTILITIES EMPLOYEES CREDIT UNION $160,000 n/a 0.1%
SEFCU SERVICES, LLC $175,000 $145,000 -17.1% 0.1%
Walden Savings Bank $135,000 n/a 0.1%
Colonial Savings, F.A. $125,000 n/a 0.1%
NATIONWIDE MORTGAGE BANKERS, INC. $105,000 $115,000 9.5% 0.1%
The Federal Savings Bank $490,000 $115,000 -76.5% 0.1%
A&D Mortgage LLC $105,000 n/a 0.1%
Northwest Bank $105,000 n/a 0.1%
South State Bank $105,000 n/a 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $645,000 $85,000 -86.8% 0.1%
Carrington Mortgage Services, LLC $85,000 n/a 0.1%
CNB Bank $85,000 n/a 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $85,000 n/a 0.1%
LIMA ONE CAPITAL, LLC $85,000 n/a 0.1%
Ally Bank $75,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $75,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $125,000 $75,000 -40.0% 0.0%
Flagstar Bank, FSB $55,000 n/a 0.0%
UNITED MORTGAGE CORP. $55,000 n/a 0.0%
RBC Bank, (Georgia) $220,000 $45,000 -79.5% 0.0%
Adirondack Bank $25,000 n/a 0.0%
STATE EMPLOYEES FEDERAL CREDIT UNION $145,000 $25,000 -82.8% 0.0%

Ogdensburg - Massena's top lender by overall market share is Community Bank, with 17.7% market share. In second place, with 11.0%, is CAPITAL COMMUNICATIONS Federal Credit Union, having originated $16,755,000 in loans. In third place, with 10.0%, is QUICKEN LOANS, LLC, having originated $15,260,000 in loans. In fourth place, with 9.7%, is NORTHERN CREDIT UNION, having originated $14,745,000 in loans. In fifth place, with 4.8%, is KeyBank, having originated $7,250,000 in loans.


Ogdensburg - Massena Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Ogdensburg - Massena (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 $102,450 (2.6%) $143,123 (3.0%) 0.00 637
2018-02-01 $104,975 (5.1%) $143,530 (2.2%) 0.00 631
2018-03-01 $104,900 (-0.3%) $167,547 (15.4%) 0.00 643
2018-04-01 $111,500 (1.5%) $170,618 (13.4%) 0.00 692
2018-05-01 $115,950 (5.5%) $172,885 (14.5%) 0.00 742
2018-06-01 $122,500 (12.1%) $174,600 (16.8%) 0.00 796
2018-07-01 $124,800 (13.5%) $157,920 (4.5%) 0.00 861
2018-08-01 $124,450 (10.2%) $157,291 (3.8%) 0.00 848
2018-09-01 $124,900 (9.1%) $159,164 (4.7%) 0.00 846
2018-10-01 $119,500 (4.0%) $158,264 (5.4%) 0.00 831
2018-11-01 $119,000 (9.1%) $155,863 (4.9%) 0.00 792
2018-12-01 $119,000 (13.3%) $154,568 (6.9%) 0.00 745
2019-01-01 $114,950 (12.2%) $151,429 (5.8%) 0.00 689
2019-02-01 $113,500 (8.1%) $149,137 (3.9%) 0.00 687
2019-03-01 $120,286 (14.7%) $152,595 (-8.9%) 0.00 675
2019-04-01 $120,736 (8.3%) $155,800 (-8.7%) 0.00 672
2019-05-01 $125,000 (7.8%) $161,564 (-6.6%) 0.00 705
2019-06-01 $128,000 (4.5%) $163,429 (-6.4%) 0.00 749
2019-07-01 $128,625 (3.1%) $165,166 (4.6%) 0.00 755
2019-08-01 $124,973 (0.4%) $163,126 (3.7%) 0.00 734
2019-09-01 $124,932 (0.0%) $161,239 (1.3%) 0.00 706
2019-10-01 $124,955 (4.6%) $160,426 (1.4%) 0.00 679
2019-11-01 $125,000 (5.0%) $160,871 (3.2%) 0.00 622
2019-12-01 $124,950 (5.0%) $160,142 (3.6%) 0.00 591
2020-01-01 $119,375 (3.9%) $156,077 (3.1%) 0.00 552
2020-02-01 $120,000 (5.7%) $155,469 (4.3%) 0.00 543
2020-03-01 $124,350 (3.4%) $156,222 (2.4%) 0.00 525
2020-04-01 $122,250 (1.3%) $158,831 (2.0%) 0.00 512
2020-05-01 $127,000 (1.6%) $167,360 (3.6%) 0.00 499
2020-06-01 $129,900 (1.5%) $175,548 (7.4%) 0.00 497
2020-07-01 $130,500 (1.5%) $178,898 (8.3%) 0.00 478
2020-08-01 $130,000 (4.0%) $176,789 (8.4%) 0.00 457
2020-09-01 $127,000 (1.7%) $175,312 (8.7%) 0.00 441
2020-10-01 $125,000 (0.0%) $169,772 (5.8%) 0.00 412
2020-11-01 $122,500 (-2.0%) $168,150 (4.5%) 0.00 367
2020-12-01 $119,975 (-4.0%) $168,307 (5.1%) 0.00 335
2021-01-01 $119,250 (-0.1%) $163,779 (4.9%) 0.00 295
2021-02-01 $119,000 (-0.8%) $160,276 (3.1%) 0.00 281
2021-03-01 $125,000 (0.5%) $175,321 (12.2%) 0.00 258
2021-04-01 $130,625 (6.9%) $181,592 (14.3%) 0.00 259
2021-05-01 $148,750 (17.1%) $190,968 (14.1%) 0.00 268
2021-06-01 $149,675 (15.2%) $193,159 (10.0%) 0.00 298
2021-07-01 $148,500 (13.8%) $190,062 (6.2%) 0.00 318
2021-08-01 $148,250 (14.0%) $186,373 (5.4%) 0.00 316
2021-09-01 $143,425 (12.9%) $185,923 (6.1%) 0.00 313
2021-10-01 $137,500 (10.0%) $179,205 (5.6%) 0.00 302
2021-11-01 $125,250 (2.2%) $174,539 (3.8%) 0.00 263
2021-12-01 $110,000 (-8.3%) $162,748 (-3.3%) 0.00 255
2022-01-01 $105,900 (-11.2%) $157,168 (-4.0%) 0.00 228
2022-02-01 $104,975 (-11.8%) $155,178 (-3.2%) 0.00 214
2022-03-01 $109,625 (-12.3%) $176,396 (0.6%) 0.00 171
2022-04-01 $130,000 (-0.5%) $185,118 (1.9%) 0.00 184
2022-05-01 $142,450 (-4.2%) $194,588 (1.9%) 0.00 207
2022-06-01 $142,500 (-4.8%) $208,485 (7.9%) 0.00 240
2022-07-01 $149,000 (0.3%) $205,935 (8.4%) 0.00 270
2022-08-01 $152,450 (2.8%) $197,513 (6.0%) 0.00 284
2022-09-01 $152,125 (6.1%) $192,691 (3.6%) 0.00 281
2022-10-01 $144,650 (5.2%) $188,037 (4.9%) 0.00 278
2022-11-01 $136,972 (9.4%) $182,431 (4.5%) 0.00 264
2022-12-01 $132,700 (20.6%) $172,348 (5.9%) 0.00 242
2023-01-01 $129,975 (22.7%) $163,227 (3.9%) 0.00 226
2023-02-01 $131,897 (25.7%) $168,512 (8.6%) 0.00 199
Ogdensburg - Massena's median listing price for 2023-02-01 was $131,897, a difference of $26,922 (25.7%) versus the prior year and $1,922 versus the prior month.

Ogdensburg - Massena's median listing price comes in at 0% of the national average.

Ogdensburg - Massena's average listing price for 2023-02-01 was $168,512, a difference of $13,334 (8.6%) versus the prior year and $5,285 versus the prior month.

For the 2023-02-01 period, Ogdensburg - Massena had 199 MLS listings, a difference of -27 listings (-12%) versus the prior month and -15 listings (-7%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Ogdensburg - Massena (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,539 sqft
2018-02-01 0 days 1,561 sqft
2018-03-01 0 days 1,575 sqft
2018-04-01 0 days 1,596 sqft
2018-05-01 0 days 1,577 sqft
2018-06-01 0 days 1,568 sqft
2018-07-01 0 days 1,567 sqft
2018-08-01 0 days 1,562 sqft
2018-09-01 0 days 1,568 sqft
2018-10-01 0 days 1,573 sqft
2018-11-01 0 days 1,600 sqft
2018-12-01 0 days 1,600 sqft
2019-01-01 0 days 1,583 sqft
2019-02-01 0 days 1,586 sqft
2019-03-01 0 days 1,584 sqft
2019-04-01 0 days 1,575 sqft
2019-05-01 0 days 1,560 sqft
2019-06-01 0 days 1,560 sqft
2019-07-01 0 days 1,544 sqft
2019-08-01 0 days 1,544 sqft
2019-09-01 0 days 1,555 sqft
2019-10-01 0 days 1,566 sqft
2019-11-01 0 days 1,572 sqft
2019-12-01 0 days 1,589 sqft
2020-01-01 0 days 1,584 sqft
2020-02-01 0 days 1,568 sqft
2020-03-01 0 days 1,600 sqft
2020-04-01 0 days 1,600 sqft
2020-05-01 0 days 1,602 sqft
2020-06-01 0 days 1,600 sqft
2020-07-01 0 days 1,640 sqft
2020-08-01 0 days 1,656 sqft
2020-09-01 0 days 1,630 sqft
2020-10-01 0 days 1,640 sqft
2020-11-01 0 days 1,665 sqft
2020-12-01 0 days 1,646 sqft
2021-01-01 0 days 1,617 sqft
2021-02-01 0 days 1,589 sqft
2021-03-01 0 days 1,650 sqft
2021-04-01 0 days 1,681 sqft
2021-05-01 0 days 1,680 sqft
2021-06-01 0 days 1,662 sqft
2021-07-01 0 days 1,652 sqft
2021-08-01 0 days 1,601 sqft
2021-09-01 0 days 1,579 sqft
2021-10-01 0 days 1,566 sqft
2021-11-01 0 days 1,543 sqft
2021-12-01 0 days 1,520 sqft
2022-01-01 0 days 1,476 sqft
2022-02-01 0 days 1,464 sqft
2022-03-01 0 days 1,509 sqft
2022-04-01 0 days 1,468 sqft
2022-05-01 0 days 1,521 sqft
2022-06-01 0 days 1,532 sqft
2022-07-01 0 days 1,489 sqft
2022-08-01 0 days 1,519 sqft
2022-09-01 0 days 1,507 sqft
2022-10-01 0 days 1,549 sqft
2022-11-01 0 days 1,542 sqft
2022-12-01 0 days 1,512 sqft
2023-01-01 0 days 1,512 sqft
2023-02-01 0 days 1,500 sqft
Ogdensburg - Massena's median listing age (time on market) for 2023-02-01 was 0 days.

Ogdensburg - Massena's median square footage for active listings during the 2023-02-01 period was 1,500 sqft. One year prior, the average listing was 1,464 sqft.

Ogdensburg-Massena, NY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 582 $85,960,000 $147,698
Refi 175 $18,595,000 $106,257
Home Improvement 132 $10,840,000 $82,121
Cash Out Refi 96 $31,290,000 $325,938
Other 95 $5,295,000 $55,737

Ogdensburg - Massena's most frequently cited loan purpose was Home Purchase, with 582 originations. The 2nd most popular reason was Refi, with 175 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 272 $37,390,000 $137,463
4-5% 244 $32,510,000 $133,238
3-4% 239 $48,305,000 $202,113
6-7% 119 $13,385,000 $112,479
2.5-3% 75 $8,205,000 $109,400
<2.5% 70 $6,380,000 $91,143
7-8% 35 $2,745,000 $78,429
Over 8% 15 $965,000 $64,333

During 2022, Ogdensburg - Massena's most frequently originated rate bucket was 5-6%, with 272 originations.

Loan Sizing (Ogdensburg-Massena, NY MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 531 $31,635,000 $59,576
$100k-200k 380 $53,370,000 $140,447
$200k-400k 150 $38,460,000 $256,400
$400k-600k 11 $5,225,000 $475,000
$600k-1000k 4 $2,650,000 $662,500
$Over $1MM 4 $20,640,000 $5,160,000

Ogdensburg - Massena's loan sizing saw the bucket of loans from $100,000 or less with 531 originations, totaling $31,635,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 481 $69,565,000 $144,626
60-80% 285 $56,145,000 $197,000
20-40% 125 $7,965,000 $63,720
40-60% 111 $11,155,000 $100,495
Under 20% 56 $2,310,000 $41,250
Over 100% 11 $2,575,000 $234,091

Ogdensburg - Massena's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 481 originations, totaling $69,565,000 in origination value.