Oneonta 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 Oneonta averaged 6.17% for the week of 2023-05-25, compared to the national average of 6.57% for the same period.

    The average rate for the prior week (2023-05-18) was 6.09% and one month ago for the week of 2023-04-20, the average rate was 6.09%.

    Oneonta's average rate one year ago was 4.75%.

    For refis of the same type during the week of 2023-05-25, the average rate was 6.57%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-05-25 6.57%
    Oneonta 30 Year Fixed Rate 2023-05-25 6.17%
    Oneonta 30 Year Fixed Rate Refi 2023-05-25 6.57%
    Oneonta 15 Year Fixed Rate 2023-05-25 5.77%
    Oneonta 15 Year Fixed Rate Refi 2023-05-25 5.87%
    Oneonta 30 Year FHA 2023-05-25 6.13%
    Oneonta 30 Year FHA Refi 2023-05-25 6.51%
    Oneonta 30 Year USDA 2023-05-25 6.43%
    Oneonta 30 Year USDA Refi 2023-05-25 6.73%
    Oneonta 30 Year VA 2023-05-25 6.61%
    Oneonta 30 Year VA Refi 2023-05-25 6.21%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Oneonta, NY.

    Oneonta 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 Oneonta, 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 86 5.18% $845
    PLAZA HOME MORTGAGE, INC. 39 4.95% $7,799
    QUICKEN LOANS, LLC 38 4.92% $6,347
    NBT Bank 31 4.42% $3,767
    HOMESTEAD FUNDING CORP. 31 4.65% $3,709
    Wells Fargo Bank 15 4.62% $4,301
    SEFCU SERVICES, LLC 10 3.95% $3,637
    KeyBank 10 4.20% $3,407
    VISIONS 8 4.00% $3,431
    LOANDEPOT.COM, LLC 8 5.14% $7,834
    M&T Bank 7 4.21% $4,904
    Farm Credit East, ACA 7 5.24% $5,785
    Citizens Bank 7 3.98% $3,805
    JPMorgan Chase Bank 7 4.64% $5,443
    UNITED WHOLESALE MORTGAGE, LLC 7 4.87% $7,195
    Premium Mortgage Corporation 6 5.75% $5,229
    CCFCU FUNDING, LLC 6 4.96% $4,054
    Mr. Cooper ( Nationstar Mortgage ) 6 4.85% $6,637
    AMERICU Credit Union 5 4.38% $4,361
    TD Bank 5 3.83% $6,864
    Bethpage Federal Credit Union 5 4.00% $5,216
    CONTOUR MORTGAGE CORPORATION 4 6.50% $8,657
    HOME POINT FINANCIAL CORPORATION 4 5.15% $7,689
    CROSSCOUNTRY MORTGAGE, LLC 4 5.19% $7,707
    Citibank 3 3.71% $4,996
    BETTER MORTGAGE CORPORATION 3 5.42% $9,481
    Bank of Richmondville 3 3.50% $1,185
    Bank of America 3 3.83% $6,322
    NAVY FEDERAL CREDIT UNION 2 3.88% $3,322
    The Lyons National Bank 2 5.50% $3,870
    PARAGON HOME LOANS INC. 2 5.44% $4,033
    CALIBER HOME LOANS, INC. 2 5.19% $11,035
    U.S. Bank 2 6.75% $5,716
    MOVEMENT MORTGAGE, LLC 2 6.25% $6,779
    1ST PRIORITY MORTGAGE, INC. 2 4.63% $4,298
    Mortgage Research Center, LLC 1 4.38% $1,363
    21ST MORTGAGE CORPORATION 1 6.80% $6,412
    NATIONWIDE MORTGAGE BANKERS, INC. 1 4.50% $5,060
    NETWORK CAPITAL FUNDING CORPORATION 1 4.88% $5,912
    NEWREZ LLC 1 3.25% $6,014
    NP, Inc. 1 6.63% $12,108
    PHH Mortgage Corporation 1 4.50% $3,482
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.25% $3,041
    Quontic Bank 1 5.50% $13,253
    RELIANCE FIRST CAPITAL, LLC 1 5.75% $5,419
    ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 5.25% $5,997
    ROYAL UNITED MORTGAGE LLC 1 4.50% $5,001
    Santander Bank, N.A. 1 3.13% $3,631
    AMERICAN FINANCING CORPORATION 1 6.13% $6,907
    SUNMARK FEDERAL CREDIT UNION 1 3.75% $3,547
    The Federal Savings Bank 1 4.50% $5,331
    UBS Bank USA 1 3.88% $6,225
    ALLIANT CREDIT UNION 1 5.38% $4,142
    ABSOLUTE HOME MORTGAGE CORPORATION 1 6.13% $13,652
    CLIFFCO, INC. 1 6.13% $10,654
    CORNING 1 4.75% $7,679
    DIGITAL Federal Credit Union 1 4.75% $3,899
    Discover Bank 1 7.74% $0
    EMM LOANS LLC 1 3.63% $5,680
    ENVOY MORTGAGE, LTD 1 5.63% $8,853
    Evolve Bank & Trust 1 4.25% $7,434
    Cf Bank 1 4.75% $4,841
    FINANCE OF AMERICA MORTGAGE LLC 1 5.13% $6,957
    FirstBank 1 3.75% $3,037
    Flagstar Bank, FSB 1 3.38% $4,573
    FREEDOM MORTGAGE CORPORATION 1 4.50% $5,839
    GUARANTEED RATE, INC. 1 6.75% $5,150
    CARDINAL FINANCIAL 1 3.25% $5,322
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 6.63% $10,067
    Midwest BankCentre 1 5.25% $10,106
    Morgan Stanley Private Bank 1 2.65% $4,569

    Oneonta Average Closing Costs & Other Stats

    Oneonta, NY's 71 lenders originated 1,000 loans during 2022. The total origination value was $179,020,000, with an average loan value of $179,020.

    Oneonta's average closing costs are $4,418.

    The top Oneonta lender as defined by loan originations is Community Bank, with 86 loans originated. Their average total fees are $845, which is $6,954 lower than the next largest lender, PLAZA HOME MORTGAGE, INC..

    The lowest fee Oneonta lenders (with over 10 loans originated) are Community Bank ($845), KeyBank ($3,407), SEFCU SERVICES, LLC ($3,637), HOMESTEAD FUNDING CORP. ($3,709) and NBT Bank ($3,767).

    The lowest rate Oneonta lenders (with over 10 loans originated) are SEFCU SERVICES, LLC (3.95%), KeyBank (4.20%), NBT Bank (4.42%), Wells Fargo Bank (4.62%) and HOMESTEAD FUNDING CORP. (4.65%).

    Oneonta, 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 $29,705,000 $25,870,000 -12.9% 14.5%
    PLAZA HOME MORTGAGE, INC. $21,960,000 $17,875,000 -18.6% 10.0%
    QUICKEN LOANS, LLC $30,095,000 $13,045,000 -56.7% 7.3%
    NBT Bank $16,450,000 $10,720,000 -34.8% 6.0%
    Wayne Bank $11,480,000 $10,220,000 -11.0% 5.7%
    HOMESTEAD FUNDING CORP. $16,260,000 $9,995,000 -38.5% 5.6%
    KeyBank $12,955,000 $7,680,000 -40.7% 4.3%
    Citizens Bank $5,050,000 $4,390,000 -13.1% 2.5%
    JPMorgan Chase Bank $4,165,000 $3,565,000 -14.4% 2.0%
    LOANDEPOT.COM, LLC $1,855,000 $3,345,000 80.3% 1.9%
    M&T Bank $6,520,000 $3,090,000 -52.6% 1.7%
    Bank of America $2,665,000 $3,055,000 14.6% 1.7%
    The National Bank of Coxsackie $935,000 $2,985,000 219.3% 1.7%
    Wells Fargo Bank $4,840,000 $2,785,000 -42.5% 1.6%
    SEFCU SERVICES, LLC $2,995,000 $2,685,000 -10.4% 1.5%
    Mr. Cooper ( Nationstar Mortgage ) $1,700,000 $2,445,000 43.8% 1.4%
    Premium Mortgage Corporation $2,375,000 $2,070,000 -12.8% 1.2%
    Farm Credit East, ACA $2,345,000 $1,935,000 -17.5% 1.1%
    VISIONS $895,000 $1,920,000 114.5% 1.1%
    CCFCU FUNDING, LLC $2,530,000 $1,915,000 -24.3% 1.1%
    HOME POINT FINANCIAL CORPORATION $2,160,000 $1,870,000 -13.4% 1.0%
    TD Bank $3,145,000 $1,695,000 -46.1% 0.9%
    UNITED WHOLESALE MORTGAGE, LLC $1,475,000 $1,550,000 5.1% 0.9%
    Bethpage Federal Credit Union $440,000 $1,495,000 239.8% 0.8%
    BETTER MORTGAGE CORPORATION $1,410,000 $1,470,000 4.3% 0.8%
    NAVY FEDERAL CREDIT UNION $1,400,000 $1,445,000 3.2% 0.8%
    FIRST SOURCE $560,000 $1,365,000 143.8% 0.8%
    CROSSCOUNTRY MORTGAGE, LLC $1,575,000 $1,345,000 -14.6% 0.8%
    STATE EMPLOYEES FEDERAL CREDIT UNION $525,000 $1,225,000 133.3% 0.7%
    USAA Federal Savings Bank $505,000 $1,165,000 130.7% 0.7%
    Mortgage Research Center, LLC $780,000 $1,080,000 38.5% 0.6%
    Citibank $155,000 $1,045,000 574.2% 0.6%
    CALIBER HOME LOANS, INC. $850,000 $975,000 14.7% 0.5%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $750,000 $960,000 28.0% 0.5%
    21ST MORTGAGE CORPORATION $685,000 $925,000 35.0% 0.5%
    AMERICU Credit Union $2,395,000 $915,000 -61.8% 0.5%
    CONTOUR MORTGAGE CORPORATION $1,030,000 $910,000 -11.7% 0.5%
    Bank of Richmondville $1,005,000 $885,000 -11.9% 0.5%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $155,000 $870,000 461.3% 0.5%
    Evolve Bank & Trust $705,000 n/a 0.4%
    1ST PRIORITY MORTGAGE, INC. $1,305,000 $695,000 -46.7% 0.4%
    UBS Bank USA $695,000 n/a 0.4%
    Hometown Equity Mortgage, LLC $660,000 n/a 0.4%
    PARAGON HOME LOANS INC. $550,000 $605,000 10.0% 0.3%
    FIRST NEW YORK $295,000 $585,000 98.3% 0.3%
    NEWREZ LLC $1,145,000 $580,000 -49.3% 0.3%
    NBKC BANK $685,000 $575,000 -16.1% 0.3%
    Nassau Educators Federal Credit Union $355,000 $530,000 49.3% 0.3%
    Morgan Stanley Private Bank $515,000 n/a 0.3%
    MOVEMENT MORTGAGE, LLC $515,000 n/a 0.3%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $1,180,000 $515,000 -56.4% 0.3%
    PNC Bank $470,000 $510,000 8.5% 0.3%
    SUNMARK FEDERAL CREDIT UNION $240,000 $485,000 102.1% 0.3%
    Flagstar Bank, FSB $1,530,000 $475,000 -69.0% 0.3%
    NETWORK CAPITAL FUNDING CORPORATION $470,000 n/a 0.3%
    Santander Bank, N.A. $185,000 $455,000 145.9% 0.3%
    GHS Federal Credit Union $305,000 $440,000 44.3% 0.2%
    Plains Commerce Bank $435,000 n/a 0.2%
    U.S. Bank $420,000 n/a 0.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $775,000 $415,000 -46.5% 0.2%
    CLIFFCO, INC. $400,000 n/a 0.2%
    North American Savings Bank, F.S.B. $370,000 $400,000 8.1% 0.2%
    GUARANTEED RATE, INC. $960,000 $380,000 -60.4% 0.2%
    HARTFORD FUNDING, LTD. $375,000 n/a 0.2%
    Advisors Mortgage Group, L.L.C. $370,000 n/a 0.2%
    TEMPLE VIEW CAPITAL FUNDING, LP $365,000 n/a 0.2%
    Habib American Bank $355,000 n/a 0.2%
    A&D Mortgage LLC $650,000 $350,000 -46.2% 0.2%
    FINANCE OF AMERICA MORTGAGE LLC $345,000 n/a 0.2%
    ABSOLUTE HOME MORTGAGE CORPORATION $335,000 n/a 0.2%
    FREEDOM MORTGAGE CORPORATION $570,000 $320,000 -43.9% 0.2%
    AMERICAN FINANCING CORPORATION $335,000 $315,000 -6.0% 0.2%
    CORNING $515,000 $310,000 -39.8% 0.2%
    ROUNDPOINT MORTGAGE SERVICING CORPORATION $115,000 $310,000 169.6% 0.2%
    Berkshire Bank $145,000 $305,000 110.3% 0.2%
    HUNT MORTGAGE CORPORATION $155,000 $305,000 96.8% 0.2%
    The Lyons National Bank $265,000 $300,000 13.2% 0.2%
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. $285,000 n/a 0.2%
    NP, Inc. $285,000 n/a 0.2%
    VAN DYK MORTGAGE CORPORATION $285,000 n/a 0.2%
    Cf Bank $275,000 n/a 0.2%
    Quontic Bank $115,000 $275,000 139.1% 0.2%
    DIGITAL Federal Credit Union $265,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $455,000 $255,000 -44.0% 0.1%
    Adirondack Bank $135,000 $245,000 81.5% 0.1%
    Equity Prime Mortgage LLC $135,000 $225,000 66.7% 0.1%
    Midwest BankCentre $225,000 n/a 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $990,000 $210,000 -78.8% 0.1%
    Empower Federal Credit Union $200,000 $195,000 -2.5% 0.1%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $185,000 n/a 0.1%
    Tioga State Bank $260,000 $185,000 -28.8% 0.1%
    FirstBank $175,000 n/a 0.1%
    The Federal Savings Bank $215,000 $175,000 -18.6% 0.1%
    ENVOY MORTGAGE, LTD $105,000 $165,000 57.1% 0.1%
    GPO Federal Credit Union $235,000 $160,000 -31.9% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $160,000 $160,000 0.0% 0.1%
    ATHAS CAPITAL GROUP, INC. $145,000 n/a 0.1%
    EMM LOANS LLC $145,000 n/a 0.1%
    Jeff Bank $145,000 n/a 0.1%
    TOTAL MORTGAGE SERVICES, LLC $105,000 $145,000 38.1% 0.1%
    CAPITAL COMMUNICATIONS Federal Credit Union $360,000 $140,000 -61.1% 0.1%
    HUDSON VALLEY CREDIT UNION $135,000 n/a 0.1%
    LENDINGONE, LLC $125,000 n/a 0.1%
    Metro City Bank $95,000 $125,000 31.6% 0.1%
    NATIONWIDE MORTGAGE BANKERS, INC. $145,000 $125,000 -13.8% 0.1%
    PENTAGON FEDERAL CREDIT UNION $1,070,000 $125,000 -88.3% 0.1%
    United States Senate Federal Credit Union $125,000 n/a 0.1%
    AMERICAN ADVISORS GROUP $185,000 $120,000 -35.1% 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $240,000 $115,000 -52.1% 0.1%
    LAND HOME FINANCIAL SERVICES, INC. $310,000 $115,000 -62.9% 0.1%
    PHH Mortgage Corporation $115,000 n/a 0.1%
    ALLIANT CREDIT UNION $105,000 n/a 0.1%
    EMBRACE HOME LOANS, INC. $370,000 $95,000 -74.3% 0.1%
    Discover Bank $85,000 n/a 0.0%
    RELIANCE FIRST CAPITAL, LLC $315,000 $85,000 -73.0% 0.0%
    QUORUM FEDERAL CREDIT UNION $75,000 n/a 0.0%
    UTILITIES EMPLOYEES CREDIT UNION $235,000 $65,000 -72.3% 0.0%
    Webster Bank $65,000 n/a 0.0%
    ACCESS Federal Credit Union $55,000 n/a 0.0%
    Ballston Spa National Bank $275,000 $45,000 -83.6% 0.0%
    FIRST CREDIT CORPORATION OF NEW YORK, INC. $45,000 n/a 0.0%
    GREENWOOD $35,000 n/a 0.0%
    The People's Credit Union $25,000 n/a 0.0%

    Oneonta's top lender by overall market share is Community Bank, with 14.5% market share. In second place, with 10.0%, is PLAZA HOME MORTGAGE, INC., having originated $17,875,000 in loans. In third place, with 7.3%, is QUICKEN LOANS, LLC, having originated $13,045,000 in loans. In fourth place, with 6.0%, is NBT Bank, having originated $10,720,000 in loans. In fifth place, with 5.7%, is Wayne Bank, having originated $10,220,000 in loans.

    Oneonta Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Oneonta (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 $174,750 (16.3%) $300,261 (14.8%) 0.00 462
    2018-02-01 $173,675 (15.8%) $311,705 (21.5%) 0.00 445
    2018-03-01 $179,450 (18.8%) $304,124 (13.6%) 0.00 433
    2018-04-01 $179,900 (13.9%) $302,771 (10.9%) 0.00 428
    2018-05-01 $174,450 (9.7%) $302,298 (11.6%) 0.00 461
    2018-06-01 $182,500 (12.8%) $316,341 (11.3%) 0.00 510
    2018-07-01 $179,450 (6.2%) $323,533 (11.6%) 0.00 540
    2018-08-01 $181,500 (8.7%) $322,925 (11.0%) 0.00 546
    2018-09-01 $182,500 (7.4%) $326,598 (8.6%) 0.00 537
    2018-10-01 $179,900 (4.4%) $333,674 (12.7%) 0.00 518
    2018-11-01 $184,950 (3.1%) $339,834 (11.5%) 0.00 480
    2018-12-01 $184,950 (3.3%) $339,530 (11.8%) 0.00 450
    2019-01-01 $185,000 (5.9%) $345,025 (14.9%) 0.00 401
    2019-02-01 $194,225 (11.8%) $352,087 (13.0%) 0.00 401
    2019-03-01 $199,000 (10.9%) $355,374 (16.9%) 0.00 390
    2019-04-01 $214,725 (19.4%) $352,627 (16.5%) 0.00 432
    2019-05-01 $219,000 (25.5%) $343,844 (13.7%) 0.00 465
    2019-06-01 $224,900 (23.2%) $337,696 (6.8%) 0.00 497
    2019-07-01 $226,000 (25.9%) $346,084 (7.0%) 0.00 517
    2019-08-01 $214,900 (18.4%) $310,712 (-3.8%) 0.00 549
    2019-09-01 $199,948 (9.6%) $301,444 (-7.7%) 0.00 531
    2019-10-01 $199,000 (10.6%) $298,406 (-10.6%) 0.00 518
    2019-11-01 $199,000 (7.6%) $309,310 (-9.0%) 0.00 451
    2019-12-01 $179,950 (-2.7%) $301,557 (-11.2%) 0.00 411
    2020-01-01 $179,475 (-3.0%) $295,814 (-14.3%) 0.00 379
    2020-02-01 $185,000 (-4.8%) $298,973 (-15.1%) 0.00 360
    2020-03-01 $189,000 (-5.0%) $308,396 (-13.2%) 0.00 349
    2020-04-01 $189,450 (-11.8%) $309,313 (-12.3%) 0.00 339
    2020-05-01 $189,900 (-13.3%) $309,486 (-10.0%) 0.00 336
    2020-06-01 $189,925 (-15.6%) $316,987 (-6.1%) 0.00 363
    2020-07-01 $192,125 (-15.0%) $327,398 (-5.4%) 0.00 359
    2020-08-01 $189,900 (-11.6%) $312,791 (0.7%) 0.00 357
    2020-09-01 $197,450 (-1.3%) $317,154 (5.2%) 0.00 342
    2020-10-01 $208,950 (5.0%) $326,768 (9.5%) 0.00 327
    2020-11-01 $187,222 (-5.9%) $317,928 (2.8%) 0.00 311
    2020-12-01 $189,000 (5.0%) $315,394 (4.6%) 0.00 291
    2021-01-01 $180,950 (0.8%) $310,743 (5.1%) 0.00 240
    2021-02-01 $187,600 (1.4%) $329,285 (10.1%) 0.00 218
    2021-03-01 $199,800 (5.7%) $368,388 (19.5%) 0.00 198
    2021-04-01 $209,700 (10.7%) $368,819 (19.2%) 0.00 189
    2021-05-01 $249,000 (31.1%) $391,641 (26.6%) 0.00 193
    2021-06-01 $249,900 (31.6%) $374,596 (18.2%) 0.00 235
    2021-07-01 $254,500 (32.5%) $380,656 (16.3%) 0.00 260
    2021-08-01 $250,475 (31.9%) $387,839 (24.0%) 0.00 277
    2021-09-01 $249,675 (26.5%) $380,070 (19.8%) 0.00 269
    2021-10-01 $239,450 (14.6%) $366,337 (12.1%) 0.00 252
    2021-11-01 $246,625 (31.7%) $368,478 (15.9%) 0.00 227
    2021-12-01 $249,700 (32.1%) $361,914 (14.8%) 0.00 196
    2022-01-01 $240,500 (32.9%) $343,717 (10.6%) 0.00 162
    2022-02-01 $252,500 (34.6%) $389,149 (18.2%) 0.00 144
    2022-03-01 $257,450 (28.9%) $411,396 (11.7%) 0.00 137
    2022-04-01 $282,450 (34.7%) $424,135 (15.0%) 0.00 136
    2022-05-01 $286,150 (14.9%) $402,713 (2.8%) 0.00 171
    2022-06-01 $294,400 (17.8%) $407,042 (8.7%) 0.00 204
    2022-07-01 $268,500 (5.5%) $434,724 (14.2%) 0.00 233
    2022-08-01 $283,425 (13.2%) $454,193 (17.1%) 0.00 218
    2022-09-01 $279,700 (12.0%) $432,887 (13.9%) 0.00 208
    2022-10-01 $267,750 (11.8%) $429,383 (17.2%) 0.00 196
    2022-11-01 $264,750 (7.4%) $428,691 (16.3%) 0.00 176
    2022-12-01 $230,200 (-7.8%) $402,779 (11.3%) 0.00 168
    2023-01-01 $260,000 (8.1%) $433,753 (26.2%) 0.00 139
    2023-02-01 $254,950 (1.0%) $415,078 (6.7%) 0.00 139
    2023-03-01 $249,000 (-3.3%) $401,829 (-2.3%) 0.00 151
    2023-04-01 $249,450 (-11.7%) $383,365 (-9.6%) 0.00 152
    Oneonta's median listing price for 2023-04-01 was $249,450, a difference of $-33,000 (-11.7%) versus the prior year and $450 versus the prior month.

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

    Oneonta's average listing price for 2023-04-01 was $383,365, a difference of $-40,770 (-9.6%) versus the prior year and $-18,464 versus the prior month.

    For the 2023-04-01 period, Oneonta had 152 MLS listings, a difference of 1 listings (1%) versus the prior month and 16 listings (12%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Oneonta (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,869 sqft
    2018-02-01 0 days 1,886 sqft
    2018-03-01 0 days 1,899 sqft
    2018-04-01 0 days 1,873 sqft
    2018-05-01 0 days 1,876 sqft
    2018-06-01 0 days 1,879 sqft
    2018-07-01 0 days 1,848 sqft
    2018-08-01 0 days 1,861 sqft
    2018-09-01 0 days 1,870 sqft
    2018-10-01 0 days 1,850 sqft
    2018-11-01 0 days 1,890 sqft
    2018-12-01 0 days 1,884 sqft
    2019-01-01 0 days 1,851 sqft
    2019-02-01 0 days 1,800 sqft
    2019-03-01 0 days 1,820 sqft
    2019-04-01 0 days 1,895 sqft
    2019-05-01 0 days 1,887 sqft
    2019-06-01 0 days 1,890 sqft
    2019-07-01 0 days 1,900 sqft
    2019-08-01 0 days 1,897 sqft
    2019-09-01 0 days 1,900 sqft
    2019-10-01 0 days 1,900 sqft
    2019-11-01 0 days 1,879 sqft
    2019-12-01 0 days 1,813 sqft
    2020-01-01 0 days 1,824 sqft
    2020-02-01 0 days 1,855 sqft
    2020-03-01 0 days 1,876 sqft
    2020-04-01 0 days 1,879 sqft
    2020-05-01 0 days 1,937 sqft
    2020-06-01 0 days 1,943 sqft
    2020-07-01 0 days 1,949 sqft
    2020-08-01 0 days 1,920 sqft
    2020-09-01 0 days 1,941 sqft
    2020-10-01 0 days 1,904 sqft
    2020-11-01 0 days 1,800 sqft
    2020-12-01 0 days 1,800 sqft
    2021-01-01 0 days 1,800 sqft
    2021-02-01 0 days 1,811 sqft
    2021-03-01 0 days 1,872 sqft
    2021-04-01 0 days 1,845 sqft
    2021-05-01 0 days 1,820 sqft
    2021-06-01 0 days 1,998 sqft
    2021-07-01 0 days 1,942 sqft
    2021-08-01 0 days 1,979 sqft
    2021-09-01 0 days 1,957 sqft
    2021-10-01 0 days 1,914 sqft
    2021-11-01 0 days 2,000 sqft
    2021-12-01 0 days 1,968 sqft
    2022-01-01 0 days 1,900 sqft
    2022-02-01 0 days 1,996 sqft
    2022-03-01 0 days 2,008 sqft
    2022-04-01 0 days 2,077 sqft
    2022-05-01 0 days 1,894 sqft
    2022-06-01 0 days 1,903 sqft
    2022-07-01 0 days 1,836 sqft
    2022-08-01 0 days 1,865 sqft
    2022-09-01 0 days 1,859 sqft
    2022-10-01 0 days 1,872 sqft
    2022-11-01 0 days 1,794 sqft
    2022-12-01 0 days 1,732 sqft
    2023-01-01 0 days 1,917 sqft
    2023-02-01 0 days 1,937 sqft
    2023-03-01 0 days 1,918 sqft
    2023-04-01 0 days 1,856 sqft
    Oneonta's median listing age (time on market) for 2023-04-01 was 0 days.

    Oneonta's median square footage for active listings during the 2023-04-01 period was 1,856 sqft. One year prior, the average listing was 2,077 sqft.

    Oneonta, NY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 553 $115,545,000 $208,942
    Refi 157 $26,935,000 $171,561
    Cash Out Refi 124 $21,130,000 $170,403
    Home Improvement 103 $8,455,000 $82,087
    Other 62 $6,840,000 $110,323
    NA 1 $115,000 $115,000

    Oneonta's most frequently cited loan purpose was Home Purchase, with 553 originations. The 2nd most popular reason was Refi, with 157 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 251 $47,395,000 $188,825
    5-6% 215 $37,975,000 $176,628
    4-5% 193 $35,475,000 $183,808
    6-7% 103 $15,935,000 $154,709
    <2.5% 79 $9,875,000 $125,000
    2.5-3% 63 $9,465,000 $150,238
    7-8% 27 $4,265,000 $157,963
    Over 8% 10 $1,050,000 $105,000

    During 2022, Oneonta's most frequently originated rate bucket was 3-4%, with 251 originations.

    Loan Sizing (Oneonta, NY MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 447 $64,815,000 $145,000
    $100,000 or less 265 $16,405,000 $61,906
    $200k-400k 232 $61,300,000 $264,224
    $400k-600k 40 $19,480,000 $487,000
    $600k-1000k 11 $7,765,000 $705,909
    $Over $1MM 5 $9,255,000 $1,851,000

    Oneonta's loan sizing saw the bucket of loans from $100k-200k with 447 originations, totaling $64,815,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 380 $82,370,000 $216,763
    60-80% 296 $55,310,000 $186,858
    40-60% 110 $16,140,000 $146,727
    20-40% 96 $7,710,000 $80,313
    Under 20% 56 $1,990,000 $35,536
    Over 100% 5 $1,435,000 $287,000

    Oneonta's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 380 originations, totaling $82,370,000 in origination value.