Ogdensburg - Massena Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Ogdensburg - Massena averaged 7.04% for the week of 2025-05-22, compared to the national average of 6.86% for the same period.

    The average rate for the prior week (2025-05-15) was 7.19% and one month ago for the week of 2025-04-17, the average rate was 6.91%.

    Ogdensburg - Massena's average rate one year ago was 7.1%.

    For refis of the same type during the week of 2025-05-22, the average rate was 7.06%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-05-22 6.86%
    Ogdensburg - Massena 30 Year Fixed Rate 2025-05-22 7.04%
    Ogdensburg - Massena 30 Year Fixed Rate Refi 2025-05-22 7.06%
    Ogdensburg - Massena 15 Year Fixed Rate 2025-05-22 6.21%
    Ogdensburg - Massena 15 Year Fixed Rate Refi 2025-05-22 6.21%
    Ogdensburg - Massena 30 Year FHA 2025-05-22 6.41%
    Ogdensburg - Massena 30 Year FHA Refi 2025-05-22 6.51%
    Ogdensburg - Massena 30 Year USDA 2025-05-22 6.33%
    Ogdensburg - Massena 30 Year USDA Refi 2025-05-22 6.23%
    Ogdensburg - Massena 30 Year VA 2025-05-22 6.52%
    Ogdensburg - Massena 30 Year VA Refi 2025-05-22 6.62%
    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Community Bank 80 7.49% $1,047
    MOVEMENT MORTGAGE, LLC 33 6.81% $5,941
    QUICKEN LOANS, LLC 28 7.08% $6,950
    NORTHERN CREDIT UNION 26 6.83% $4,710
    Gouverneur Savings and Loan Association 19 6.66% $1,418
    AMERICU Credit Union 13 6.38% $4,313
    KeyBank 12 6.29% $4,636
    Wells Fargo Bank 8 6.58% $6,195
    CROSSCOUNTRY MORTGAGE, LLC 7 7.21% $5,993
    Farm Credit East, ACA 7 7.76% $5,798
    HOMESTEAD FUNDING CORP. 6 6.67% $2,776
    UNITED WHOLESALE MORTGAGE, LLC 5 7.10% $6,232
    NBT Bank 5 6.58% $3,255
    JPMorgan Chase Bank 4 7.22% $4,053
    ROYAL UNITED MORTGAGE LLC 4 7.19% $5,547
    SEFCU SERVICES, LLC 3 6.25% $3,927
    LOANDEPOT.COM, LLC 2 6.19% $6,395
    ABSOLUTE HOME MORTGAGE CORPORATION 2 7.43% $5,186
    Empower Federal Credit Union 2 6.31% $3,419
    NAVY FEDERAL CREDIT UNION 2 6.56% $3,021
    OWNERSCHOICE FUNDING, INCORPORATED 2 7.06% $6,299
    TD Bank 2 6.88% $6,979
    U.S. Bank 2 6.06% $3,001
    Leader Bank 1 7.38% $7,155
    21ST MORTGAGE CORPORATION 1 9.99% $5,078
    MID-ISLAND MORTGAGE CORP. 1 6.63% $3,344
    Mortgage Research Center, LLC 1 5.99% $11,065
    CITIZENS EQUITY FIRST 1 5.88% $1,526
    Mr. Cooper ( Nationstar Mortgage ) 1 7.13% $6,391
    Bank of America 1 6.50% $5,277
    Citizens Bank 1 7.38% $3,550
    Citibank 1 6.00% $9,276
    OceanFirst Bank 1 5.88% $5,394
    USAA Federal Savings Bank 1 6.63% $5,407
    PENNYMAC LOAN SERVICES, LLC 1 6.12% $6,612
    PENTAGON FEDERAL CREDIT UNION 1 6.38% $8,964
    Premium Mortgage Corporation 1 7.63% $12,675
    Chemung Canal Trust Company 1 7.25% $3,531
    Raymond James Bank 1 6.88% $5,957
    RELIANCE FIRST CAPITAL, LLC 1 7.99% $5,776
    CARDINAL FINANCIAL 1 7.99% $5,976
    BETTER MORTGAGE CORPORATION 1 6.50% $5,774
    Ally Bank 1 6.63% $10,196
    Tompkins Trust Company 1 5.88% $3,003
    Genesee Regional Bank 1 5.88% $3,617
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 8.13% $6,776
    Discover Bank 1 7.31% $0
    DIGITAL Federal Credit Union 1 6.63% $3,715

    Ogdensburg - Massena Average Closing Costs & Other Stats

    Ogdensburg-Massena, NY's 48 lenders originated 807 loans during 2024. The total origination value was $109,045,000, with an average loan value of $135,124.

    Ogdensburg - Massena's average closing costs are $4,008.

    The top Ogdensburg - Massena lender as defined by loan originations is Community Bank, with 80 loans originated. Their average total fees are $1,047, which is $4,895 lower than the next largest lender, MOVEMENT MORTGAGE, LLC.

    The lowest fee Ogdensburg - Massena lenders (with over 10 loans originated) are Community Bank ($1,047), Gouverneur Savings and Loan Association ($1,418), AMERICU Credit Union ($4,313), KeyBank ($4,636) and NORTHERN CREDIT UNION ($4,710).

    The lowest rate Ogdensburg - Massena lenders (with over 10 loans originated) are KeyBank (6.29%), AMERICU Credit Union (6.38%), Gouverneur Savings and Loan Association (6.66%), MOVEMENT MORTGAGE, LLC (6.81%) and NORTHERN CREDIT UNION (6.83%).

    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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    Community Bank $19,770,000 $20,855,000 5.5% 19.1%
    NORTHERN CREDIT UNION $9,305,000 $13,105,000 40.8% 12.0%
    QUICKEN LOANS, LLC $10,475,000 $11,575,000 10.5% 10.6%
    MOVEMENT MORTGAGE, LLC $5,650,000 $10,335,000 82.9% 9.5%
    Gouverneur Savings and Loan Association $6,240,000 $7,075,000 13.4% 6.5%
    AMERICU Credit Union $1,355,000 $5,175,000 281.9% 4.7%
    Farm Credit East, ACA $1,930,000 $3,335,000 72.8% 3.1%
    Mortgage Research Center, LLC $4,310,000 $3,215,000 -25.4% 2.9%
    NBT Bank $4,675,000 $3,095,000 -33.8% 2.8%
    KeyBank $2,055,000 $2,555,000 24.3% 2.3%
    CROSSCOUNTRY MORTGAGE, LLC $965,000 $2,135,000 121.2% 2.0%
    HOMESTEAD FUNDING CORP. $2,330,000 $1,930,000 -17.2% 1.8%
    Wells Fargo Bank $825,000 $1,815,000 120.0% 1.7%
    UNITED WHOLESALE MORTGAGE, LLC $105,000 $1,540,000 1,366.7% 1.4%
    Carthage Federal Savings and Loan Association $1,900,000 $1,400,000 -26.3% 1.3%
    NAVY FEDERAL CREDIT UNION $1,855,000 $1,150,000 -38.0% 1.1%
    TD Bank $520,000 $1,140,000 119.2% 1.0%
    USAA Federal Savings Bank $445,000 $1,140,000 156.2% 1.0%
    PLAZA HOME MORTGAGE, INC. $1,395,000 $1,030,000 -26.2% 0.9%
    JPMorgan Chase Bank $690,000 $1,020,000 47.8% 0.9%
    ABSOLUTE HOME MORTGAGE CORPORATION $560,000 $790,000 41.1% 0.7%
    SEFCU SERVICES, LLC $875,000 $740,000 -15.4% 0.7%
    U.S. Bank $715,000 $720,000 0.7% 0.7%
    M&T Bank $215,000 $670,000 211.6% 0.6%
    Genesee Regional Bank $3,065,000 $605,000 -80.3% 0.6%
    Barrington Bank & Trust Company, N.A. $310,000 $565,000 82.3% 0.5%
    Citizens Bank $730,000 $550,000 -24.7% 0.5%
    Empower Federal Credit Union $720,000 $520,000 -27.8% 0.5%
    ROYAL UNITED MORTGAGE LLC $340,000 $455,000 33.8% 0.4%
    LOANDEPOT.COM, LLC $395,000 $445,000 12.7% 0.4%
    Premium Mortgage Corporation $700,000 $435,000 -37.9% 0.4%
    Citibank $440,000 $415,000 -5.7% 0.4%
    21ST MORTGAGE CORPORATION $135,000 $395,000 192.6% 0.4%
    NEWREZ LLC $265,000 $380,000 43.4% 0.3%
    OWNERSCHOICE FUNDING, INCORPORATED $330,000 n/a 0.3%
    First Horizon Bank $325,000 n/a 0.3%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $1,410,000 $305,000 -78.4% 0.3%
    CARDINAL FINANCIAL $165,000 $305,000 84.8% 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $890,000 $280,000 -68.5% 0.3%
    Magnolia Bank $270,000 n/a 0.2%
    Chemung Canal Trust Company $265,000 n/a 0.2%
    Discover Bank $285,000 $265,000 -7.0% 0.2%
    Ally Bank $145,000 $245,000 69.0% 0.2%
    OceanFirst Bank $225,000 n/a 0.2%
    Bank of America $215,000 $205,000 -4.7% 0.2%
    CITIZENS EQUITY FIRST $195,000 n/a 0.2%
    MID AMERICA MORTGAGE, INC. $85,000 $195,000 129.4% 0.2%
    LIMA ONE CAPITAL, LLC $105,000 $190,000 81.0% 0.2%
    BROKER SOLUTIONS, INC. $185,000 n/a 0.2%
    GPO Federal Credit Union $175,000 n/a 0.2%
    BETTER MORTGAGE CORPORATION $145,000 $165,000 13.8% 0.2%
    PENTAGON FEDERAL CREDIT UNION $225,000 $155,000 -31.1% 0.1%
    AMWEST FUNDING CORP. $150,000 n/a 0.1%
    DIGITAL Federal Credit Union $145,000 n/a 0.1%
    Leader Bank $135,000 n/a 0.1%
    United Nations Federal Credit Union $135,000 n/a 0.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $105,000 n/a 0.1%
    GUARANTEED RATE, INC. $615,000 $105,000 -82.9% 0.1%
    Raymond James Bank $105,000 n/a 0.1%
    RELIANCE FIRST CAPITAL, LLC $95,000 $105,000 10.5% 0.1%
    A&D Mortgage LLC $95,000 n/a 0.1%
    PENNYMAC LOAN SERVICES, LLC $160,000 $95,000 -40.6% 0.1%
    PLANET HOME LENDING, LLC $95,000 n/a 0.1%
    Bethpage Federal Credit Union $200,000 $75,000 -62.5% 0.1%
    CONTOUR MORTGAGE CORPORATION $180,000 $75,000 -58.3% 0.1%
    Third Federal Savings and Loan Association of Cleveland $150,000 $75,000 -50.0% 0.1%
    MID-ISLAND MORTGAGE CORP. $65,000 n/a 0.1%
    Stifel Bank and Trust $85,000 $45,000 -47.1% 0.0%
    Tompkins Trust Company $45,000 n/a 0.0%
    CORNING $25,000 $25,000 0.0% 0.0%

    Ogdensburg - Massena's top lender by overall market share is Community Bank, with 19.1% market share. In second place, with 12.0%, is NORTHERN CREDIT UNION, having originated $13,105,000 in loans. In third place, with 10.6%, is QUICKEN LOANS, LLC, having originated $11,575,000 in loans. In fourth place, with 9.5%, is MOVEMENT MORTGAGE, LLC, having originated $10,335,000 in loans. In fifth place, with 6.5%, is Gouverneur Savings and Loan Association, having originated $7,075,000 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 $103,700 (3.8%) $143,273 (3.5%) 0.00 636
    2018-02-01 $105,000 (5.1%) $143,681 (2.8%) 0.00 631
    2018-03-01 $104,900 (-0.1%) $167,751 (15.9%) 0.00 643
    2018-04-01 $112,000 (1.9%) $170,816 (13.9%) 0.00 692
    2018-05-01 $116,475 (6.0%) $173,072 (14.9%) 0.00 742
    2018-06-01 $124,000 (13.5%) $174,771 (16.9%) 0.00 796
    2018-07-01 $124,900 (13.6%) $158,085 (4.5%) 0.00 861
    2018-08-01 $124,900 (10.6%) $157,437 (3.8%) 0.00 847
    2018-09-01 $124,900 (9.1%) $159,760 (5.0%) 0.00 846
    2018-10-01 $119,500 (4.0%) $158,864 (5.9%) 0.00 831
    2018-11-01 $119,000 (8.9%) $156,503 (5.2%) 0.00 792
    2018-12-01 $119,000 (13.3%) $155,242 (7.2%) 0.00 745
    2019-01-01 $115,475 (11.4%) $152,160 (6.2%) 0.00 689
    2019-02-01 $114,950 (9.5%) $149,873 (4.3%) 0.00 687
    2019-03-01 $120,286 (14.7%) $153,255 (-8.6%) 0.00 675
    2019-04-01 $120,736 (7.8%) $156,379 (-8.5%) 0.00 672
    2019-05-01 $125,000 (7.3%) $162,129 (-6.3%) 0.00 705
    2019-06-01 $128,000 (3.2%) $163,951 (-6.2%) 0.00 748
    2019-07-01 $128,375 (2.8%) $165,198 (4.5%) 0.00 754
    2019-08-01 $124,973 (0.1%) $163,161 (3.6%) 0.00 733
    2019-09-01 $124,932 (0.0%) $161,280 (1.0%) 0.00 706
    2019-10-01 $124,955 (4.6%) $160,473 (1.0%) 0.00 678
    2019-11-01 $125,000 (5.0%) $160,925 (2.8%) 0.00 621
    2019-12-01 $124,950 (5.0%) $160,196 (3.2%) 0.00 590
    2020-01-01 $119,250 (3.3%) $156,128 (2.6%) 0.00 551
    2020-02-01 $119,999 (4.4%) $155,520 (3.8%) 0.00 542
    2020-03-01 $124,350 (3.4%) $156,222 (1.9%) 0.00 525
    2020-04-01 $122,250 (1.3%) $158,831 (1.6%) 0.00 512
    2020-05-01 $127,000 (1.6%) $167,360 (3.2%) 0.00 499
    2020-06-01 $129,900 (1.5%) $175,548 (7.1%) 0.00 497
    2020-07-01 $131,000 (2.0%) $179,261 (8.5%) 0.00 479
    2020-08-01 $134,000 (7.2%) $177,269 (8.7%) 0.00 457
    2020-09-01 $127,000 (1.7%) $175,801 (9.0%) 0.00 441
    2020-10-01 $125,000 (0.0%) $170,301 (6.1%) 0.00 412
    2020-11-01 $122,500 (-2.0%) $168,635 (4.8%) 0.00 368
    2020-12-01 $120,000 (-4.0%) $168,859 (5.4%) 0.00 336
    2021-01-01 $119,250 (0.0%) $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%) $175,408 (12.3%) 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 $149,900 (15.4%) $193,683 (10.3%) 0.00 299
    2021-07-01 $148,500 (13.4%) $190,062 (6.0%) 0.00 318
    2021-08-01 $148,250 (10.6%) $186,373 (5.1%) 0.00 316
    2021-09-01 $143,425 (12.9%) $185,923 (5.8%) 0.00 313
    2021-10-01 $137,500 (10.0%) $179,205 (5.2%) 0.00 302
    2021-11-01 $125,250 (2.2%) $174,539 (3.5%) 0.00 263
    2021-12-01 $110,000 (-8.3%) $162,748 (-3.6%) 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 (-4.9%) $208,485 (7.6%) 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 $137,072 (9.4%) $182,623 (4.6%) 0.00 263
    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
    2023-03-01 $135,500 (23.6%) $178,370 (1.1%) 0.00 191
    2023-04-01 $139,950 (7.7%) $184,296 (-0.4%) 0.00 190
    2023-05-01 $149,900 (5.2%) $201,219 (3.4%) 0.00 200
    2023-06-01 $168,000 (17.9%) $201,550 (-3.3%) 0.00 236
    2023-07-01 $169,000 (13.4%) $204,942 (-0.5%) 0.00 251
    2023-08-01 $167,000 (9.5%) $200,111 (1.3%) 0.00 281
    2023-09-01 $161,250 (6.0%) $202,542 (5.1%) 0.00 280
    2023-10-01 $153,213 (5.9%) $200,564 (6.7%) 0.00 292
    2023-11-01 $149,950 (9.4%) $193,699 (6.1%) 0.00 278
    2023-12-01 $149,000 (12.3%) $198,104 (14.9%) 0.00 252
    2024-01-01 $141,950 (9.2%) $189,655 (16.2%) 0.00 227
    2024-02-01 $142,000 (7.7%) $186,869 (10.9%) 0.00 199
    2024-03-01 $148,500 (9.6%) $211,010 (18.3%) 0.00 201
    2024-04-01 $162,500 (16.1%) $221,275 (20.1%) 0.00 203
    2024-05-01 $169,500 (13.1%) $234,996 (16.8%) 0.00 228
    2024-06-01 $179,400 (6.8%) $241,457 (19.8%) 0.00 250
    2024-07-01 $178,975 (5.9%) $235,857 (15.1%) 0.00 255
    2024-08-01 $179,900 (7.7%) $243,719 (21.8%) 0.00 283
    2024-09-01 $175,250 (8.7%) $234,718 (15.9%) 0.00 304
    2024-10-01 $177,000 (15.5%) $231,894 (15.6%) 0.00 307
    2024-11-01 $159,900 (6.6%) $212,436 (9.7%) 0.00 306
    2024-12-01 $158,000 (6.0%) $201,863 (1.9%) 0.00 261
    Ogdensburg - Massena's median listing price for 2024-12-01 was $158,000, a difference of $9,000 (6.0%) versus the prior year and $-1,900 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 2024-12-01 was $201,863, a difference of $3,759 (1.9%) versus the prior year and $-10,573 versus the prior month.

    For the 2024-12-01 period, Ogdensburg - Massena had 261 MLS listings, a difference of -45 listings (-15%) versus the prior month and 9 listings (4%) 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 1,540 sqft
    2018-02-01 0 days 1,562 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 1,583 sqft
    2019-04-01 0 days 1,573 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 1,584 sqft
    2019-12-01 0 days 1,596 sqft
    2020-01-01 0 days 1,584 sqft
    2020-02-01 0 days 1,570 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 1,658 sqft
    2020-09-01 0 days 1,632 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 1,679 sqft
    2021-05-01 0 days 1,680 sqft
    2021-06-01 0 days 1,661 sqft
    2021-07-01 0 days 1,652 sqft
    2021-08-01 0 days 1,601 sqft
    2021-09-01 0 days 1,580 sqft
    2021-10-01 0 days 1,568 sqft
    2021-11-01 0 days 1,547 sqft
    2021-12-01 0 days 1,524 sqft
    2022-01-01 0 days 1,480 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
    2023-03-01 0 days 1,493 sqft
    2023-04-01 0 days 1,456 sqft
    2023-05-01 0 days 1,545 sqft
    2023-06-01 0 days 1,573 sqft
    2023-07-01 0 days 1,564 sqft
    2023-08-01 0 days 1,587 sqft
    2023-09-01 0 days 1,568 sqft
    2023-10-01 0 days 1,542 sqft
    2023-11-01 0 days 1,523 sqft
    2023-12-01 0 days 1,529 sqft
    2024-01-01 0 days 1,530 sqft
    2024-02-01 0 days 1,500 sqft
    2024-03-01 0 days 1,550 sqft
    2024-04-01 0 days 1,590 sqft
    2024-05-01 0 days 1,580 sqft
    2024-06-01 0 days 1,624 sqft
    2024-07-01 0 days 1,637 sqft
    2024-08-01 0 days 1,625 sqft
    2024-09-01 0 days 1,629 sqft
    2024-10-01 0 days 1,581 sqft
    2024-11-01 0 days 1,529 sqft
    2024-12-01 0 days 1,518 sqft
    Ogdensburg - Massena's median listing age (time on market) for 2024-12-01 was 0 days.

    Ogdensburg - Massena's median square footage for active listings during the 2024-12-01 period was 1,518 sqft. One year prior, the average listing was 1,529 sqft.

    Ogdensburg-Massena, NY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 480 $80,460,000 $167,625
    Home Improvement 111 $6,755,000 $60,856
    Other 87 $5,835,000 $67,069
    Refi 68 $7,990,000 $117,500
    Cash Out Refi 61 $8,005,000 $131,230

    Ogdensburg - Massena's most frequently cited loan purpose was Home Purchase, with 480 originations. The 2nd most popular reason was Home Improvement, with 111 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    7-8% 278 $36,500,000 $131,295
    6-7% 273 $43,285,000 $158,553
    Over 8% 107 $10,025,000 $93,692
    5-6% 91 $13,345,000 $146,648
    4-5% 19 $2,335,000 $122,895
    3-4% 14 $1,330,000 $95,000
    <2.5% 10 $310,000 $31,000

    During 2024, Ogdensburg - Massena's most frequently originated rate bucket was 7-8%, with 278 originations.

    Loan Sizing (Ogdensburg-Massena, NY MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 370 $21,160,000 $57,189
    $100k-200k 280 $39,590,000 $141,393
    $200k-400k 134 $34,780,000 $259,552
    $400k-600k 19 $8,985,000 $472,895
    $600k-1000k 2 $1,290,000 $645,000
    $Over $1MM 2 $3,240,000 $1,620,000

    Ogdensburg - Massena's loan sizing saw the bucket of loans from $100,000 or less with 370 originations, totaling $21,160,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 358 $60,210,000 $168,184
    60-80% 166 $26,520,000 $159,759
    20-40% 110 $6,800,000 $61,818
    40-60% 90 $9,640,000 $107,111
    Under 20% 61 $2,375,000 $38,934
    Over 100% 6 $1,490,000 $248,333

    Ogdensburg - Massena's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 358 originations, totaling $60,210,000 in origination value.