Ogdensburg - Massena Mortgage Rates & Closing Costs

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  • Trends
  • Rates vs. Fees
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  • Market Share
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  • Loan Attributes
    • 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.