Oneonta Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Oneonta averaged 6.62% for the week of 2022-12-01, compared to the national average of 6.49% for the same period.

The average rate for the prior week (2022-11-23) was 6.81% and one month ago for the week of 2022-10-27, the average rate was 7.61%.

Oneonta's average rate one year ago was 3.6%.

For refis of the same type during the week of 2022-12-01, the average rate was 6.73%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-12-01 6.49%
Oneonta 30 Year Fixed Rate 2022-12-01 6.62%
Oneonta 30 Year Fixed Rate Refi 2022-12-01 6.73%
Oneonta 15 Year Fixed Rate 2022-12-01 6%
Oneonta 15 Year Fixed Rate Refi 2022-12-01 6.25%
Oneonta 30 Year FHA 2022-12-01 6.44%
Oneonta 30 Year FHA Refi 2022-12-01 6.52%
Oneonta 30 Year USDA 2022-12-01 6.37%
Oneonta 30 Year VA 2022-12-01 6.89%
Oneonta 30 Year VA Refi 2022-12-01 6.11%
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 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
Community Bank 112 3.44% $1,229
QUICKEN LOANS, LLC 66 3.16% $5,929
PLAZA HOME MORTGAGE, INC. 59 3.14% $6,897
HOMESTEAD FUNDING CORP. 57 3.15% $2,902
NBT Bank 39 2.95% $3,615
KeyBank 21 3.29% $3,845
Wells Fargo Bank 19 3.27% $3,824
M&T Bank 14 3.36% $3,830
JPMorgan Chase Bank 12 2.97% $4,699
SEFCU SERVICES, LLC 9 3.01% $4,372
AMERICU Credit Union 9 3.51% $5,096
CCFCU FUNDING, LLC 8 3.22% $3,464
TD Bank 8 3.06% $5,448
Farm Credit East, ACA 7 3.76% $4,518
LOANDEPOT.COM, LLC 6 3.02% $6,918
CROSSCOUNTRY MORTGAGE, LLC 6 3.38% $4,133
VISIONS 5 3.24% $2,083
1ST PRIORITY MORTGAGE, INC. 5 3.08% $3,339
Premium Mortgage Corporation 5 3.00% $2,696
UNITED WHOLESALE MORTGAGE, LLC 5 3.01% $6,255
GUARANTEED RATE, INC. 4 3.06% $5,101
HOME POINT FINANCIAL CORPORATION 3 3.04% $6,015
ROYAL UNITED MORTGAGE LLC 3 3.50% $6,155
Bank of Richmondville 3 3.50% $1,201
Flagstar Bank, FSB 3 3.29% $4,797
Bank of America 3 2.83% $6,261
NAVY FEDERAL CREDIT UNION 2 3.19% $3,282
A&D Mortgage LLC 2 5.38% $13,873
AMERICAN FINANCIAL NETWORK, INC. 2 3.38% $32,656
AMERICAN FINANCIAL RESOURCES, INC. 2 3.63% $5,763
AMERICAN FINANCING CORPORATION 2 3.13% $4,371
BETTER MORTGAGE CORPORATION 2 2.94% $5,006
Citizens Bank 2 3.38% $2,832
CONTOUR MORTGAGE CORPORATION 2 2.75% $4,516
FREEDOM MORTGAGE CORPORATION 2 3.25% $6,719
NBKC BANK 2 3.13% $1,675
NEWREZ LLC 2 3.56% $6,510
North American Savings Bank, F.S.B. 2 3.19% $2,892
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 3.38% $4,268
Equity Prime Mortgage LLC 1 3.25% $6,198
ENVOY MORTGAGE, LTD 1 3.25% $2,993
Empower Federal Credit Union 1 3.50% $4,492
Lakeland Bank 1 3.00% $3,299
LAND HOME FINANCIAL SERVICES, INC. 1 3.38% $3,221
EMBRACE HOME LOANS, INC. 1 3.49% $4,084
Luxury Mortgage Corp. 1 3.00% $3,283
Mr. Cooper ( Nationstar Mortgage ) 1 3.88% $5,350
Elmira Savings Bank 1 3.25% $319
Nassau Educators Federal Credit Union 1 3.00% $4,195
NATIONWIDE EQUITIES CORPORATION 1 3.13% $5,432
NATIONWIDE MORTGAGE BANKERS, INC. 1 4.38% $5,136
East Coast Capital Corp. 1 4.00% $6,800
Bethpage Federal Credit Union 1 3.88% $4,596
CORNING 1 2.88% $4,862
Bank of England 1 3.13% $5,775
NJ LENDERS CORP. 1 3.63% $4,725
AMERICAN ADVISORS GROUP 1 3.38% $4,030
Northpointe Bank 1 3.25% $4,642
OWNERSCHOICE FUNDING, INCORPORATED 1 3.13% $3,063
PARAGON HOME LOANS INC. 1 3.63% $3,658
PENTAGON FEDERAL CREDIT UNION 1 2.88% $4,423
COMMONFUND MORTGAGE CORP. 1 3.25% $4,350
PNC Bank 1 2.88% $5,306
Citibank 1 3.13% $3,704
Wilmington Savings Fund Society, FSB 1 3.38% $5,000
Chemung Canal Trust Company 1 3.25% $3,086
Quontic Bank 1 4.75% $8,206
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 2.99% $6,100
Charles Schwab Bank, SSB 1 2.13% $5,945
Santander Bank, N.A. 1 2.75% $6,023
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 3.13% $9,182
SIRVA MORTGAGE, INC. 1 2.75% $0
SUNMARK FEDERAL CREDIT UNION 1 3.00% $3,103
CALIBER HOME LOANS, INC. 1 2.99% $12,209
The Federal Savings Bank 1 3.38% $5,258
The Lyons National Bank 1 3.75% $6,522
TIAA, FSB 1 2.63% $9,044
TOTAL MORTGAGE SERVICES, LLC 1 2.88% $4,694
GHS Federal Credit Union 1 2.88% $4,090
FAMILY FIRST FUNDING LLC 1 3.63% $6,803
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.63% $4,838
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 3.13% $3,671

Oneonta Average Closing Costs & Other Stats

Oneonta, NY's 82 lenders originated 1,363 loans during 2021. The total origination value was $232,295,000, with an average loan value of $170,429.

Oneonta's average closing costs are $4,176.

The top Oneonta lender as defined by loan originations is Community Bank, with 112 loans originated. Their average total fees are $1,229, which is $4,700 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Oneonta lenders (with over 10 loans originated) are Community Bank ($1,229), HOMESTEAD FUNDING CORP. ($2,902), NBT Bank ($3,615), Wells Fargo Bank ($3,824) and M&T Bank ($3,830).

The lowest rate Oneonta lenders (with over 10 loans originated) are NBT Bank (2.95%), JPMorgan Chase Bank (2.97%), PLAZA HOME MORTGAGE, INC. (3.14%), HOMESTEAD FUNDING CORP. (3.15%) and QUICKEN LOANS, LLC (3.16%).

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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $22,775,000 $30,095,000 32.1% 13.0%
Community Bank $20,690,000 $29,705,000 43.6% 12.8%
PLAZA HOME MORTGAGE, INC. $17,965,000 $21,960,000 22.2% 9.5%
NBT Bank $15,680,000 $16,450,000 4.9% 7.1%
HOMESTEAD FUNDING CORP. $16,895,000 $16,260,000 -3.8% 7.0%
KeyBank $7,170,000 $12,955,000 80.7% 5.6%
Wayne Bank $9,710,000 $11,480,000 18.2% 4.9%
Manufacturers and Traders Trust Company $5,495,000 $6,520,000 18.7% 2.8%
Citizens Bank $3,155,000 $5,050,000 60.1% 2.2%
Wells Fargo Bank $4,645,000 $4,840,000 4.2% 2.1%
JPMorgan Chase Bank $2,110,000 $4,165,000 97.4% 1.8%
TD Bank $2,350,000 $3,145,000 33.8% 1.4%
ORIX REAL ESTATE CAPITAL, LLC $3,005,000 n/a 1.3%
SEFCU SERVICES, LLC $2,685,000 $2,995,000 11.5% 1.3%
Bank of America $1,225,000 $2,665,000 117.6% 1.1%
CCFCU FUNDING, LLC $2,990,000 $2,530,000 -15.4% 1.1%
AMERICU Credit Union $2,165,000 $2,395,000 10.6% 1.0%
Premium Mortgage Corporation $1,035,000 $2,375,000 129.5% 1.0%
Farm Credit East, ACA $3,655,000 $2,345,000 -35.8% 1.0%
HOME POINT FINANCIAL CORPORATION $1,760,000 $2,160,000 22.7% 0.9%
LOANDEPOT.COM, LLC $2,285,000 $1,855,000 -18.8% 0.8%
Mr. Cooper ( Nationstar Mortgage ) $1,025,000 $1,700,000 65.9% 0.7%
CROSSCOUNTRY MORTGAGE, LLC $580,000 $1,575,000 171.6% 0.7%
Flagstar Bank, FSB $1,530,000 n/a 0.7%
UNITED WHOLESALE MORTGAGE, LLC $430,000 $1,475,000 243.0% 0.6%
BETTER MORTGAGE CORPORATION $355,000 $1,410,000 297.2% 0.6%
NAVY FEDERAL CREDIT UNION $1,720,000 $1,400,000 -18.6% 0.6%
1ST PRIORITY MORTGAGE, INC. $690,000 $1,305,000 89.1% 0.6%
PRIMELENDING, A PLAINSCAPITAL COMPANY $420,000 $1,180,000 181.0% 0.5%
NEWREZ LLC $370,000 $1,145,000 209.5% 0.5%
PENTAGON FEDERAL CREDIT UNION $430,000 $1,070,000 148.8% 0.5%
CONTOUR MORTGAGE CORPORATION $1,300,000 $1,030,000 -20.8% 0.4%
Bank of Richmondville $1,475,000 $1,005,000 -31.9% 0.4%
AMERICAN FINANCIAL RESOURCES, INC. $460,000 $990,000 115.2% 0.4%
GUARANTEED RATE, INC. $715,000 $960,000 34.3% 0.4%
The National Bank of Coxsackie $365,000 $935,000 156.2% 0.4%
VISIONS $1,530,000 $895,000 -41.5% 0.4%
Genesee Regional Bank $885,000 n/a 0.4%
CALIBER HOME LOANS, INC. $65,000 $850,000 1,207.7% 0.4%
Mortgage Research Center, LLC $780,000 n/a 0.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $385,000 $775,000 101.3% 0.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $165,000 $750,000 354.5% 0.3%
Carrington Mortgage Services, LLC $485,000 $725,000 49.5% 0.3%
21ST MORTGAGE CORPORATION $620,000 $685,000 10.5% 0.3%
NBKC BANK $385,000 $685,000 77.9% 0.3%
A&D Mortgage LLC $650,000 n/a 0.3%
The Bank of Greene County $635,000 n/a 0.3%
FREEDOM MORTGAGE CORPORATION $625,000 $570,000 -8.8% 0.2%
FIRST SOURCE $395,000 $560,000 41.8% 0.2%
PARAGON HOME LOANS INC. $210,000 $550,000 161.9% 0.2%
STATE EMPLOYEES FEDERAL CREDIT UNION $935,000 $525,000 -43.9% 0.2%
CORNING $260,000 $515,000 98.1% 0.2%
Bank of England $115,000 $505,000 339.1% 0.2%
USAA Federal Savings Bank $940,000 $505,000 -46.3% 0.2%
The Upstate National Bank $485,000 n/a 0.2%
TIAA, FSB $625,000 $475,000 -24.0% 0.2%
PNC Bank $470,000 n/a 0.2%
Charles Schwab Bank, SSB $455,000 n/a 0.2%
ROYAL UNITED MORTGAGE LLC $85,000 $455,000 435.3% 0.2%
Bethpage Federal Credit Union $645,000 $440,000 -31.8% 0.2%
OWNERSCHOICE FUNDING, INCORPORATED $160,000 $440,000 175.0% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $470,000 $380,000 -19.1% 0.2%
EMBRACE HOME LOANS, INC. $350,000 $370,000 5.7% 0.2%
North American Savings Bank, F.S.B. $385,000 $370,000 -3.9% 0.2%
CAPITAL COMMUNICATIONS Federal Credit Union $360,000 n/a 0.2%
Nassau Educators Federal Credit Union $355,000 n/a 0.2%
COMMONFUND MORTGAGE CORP. $155,000 $340,000 119.4% 0.1%
AMERICAN FINANCING CORPORATION $335,000 n/a 0.1%
Chemung Canal Trust Company $335,000 n/a 0.1%
Evans Bank $325,000 n/a 0.1%
SIRVA MORTGAGE, INC. $325,000 n/a 0.1%
Elmira Savings Bank $315,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $540,000 $315,000 -41.7% 0.1%
LAND HOME FINANCIAL SERVICES, INC. $595,000 $310,000 -47.9% 0.1%
GHS Federal Credit Union $45,000 $305,000 577.8% 0.1%
Barrington Bank & Trust Company, N.A. $125,000 $295,000 136.0% 0.1%
FIRST NEW YORK $60,000 $295,000 391.7% 0.1%
InterContinental Capital Group, Inc $295,000 n/a 0.1%
Luxury Mortgage Corp. $295,000 n/a 0.1%
Ballston Spa National Bank $275,000 n/a 0.1%
The Lyons National Bank $265,000 n/a 0.1%
Wilmington Savings Fund Society, FSB $265,000 n/a 0.1%
Tioga State Bank $260,000 n/a 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $160,000 $240,000 50.0% 0.1%
Northpointe Bank $125,000 $240,000 92.0% 0.1%
SUNMARK FEDERAL CREDIT UNION $240,000 n/a 0.1%
GPO Federal Credit Union $275,000 $235,000 -14.5% 0.1%
UTILITIES EMPLOYEES CREDIT UNION $235,000 n/a 0.1%
FAMILY FIRST FUNDING LLC $230,000 n/a 0.1%
The Federal Savings Bank $215,000 n/a 0.1%
UNITED MORTGAGE CORP. $185,000 $205,000 10.8% 0.1%
Empower Federal Credit Union $25,000 $200,000 700.0% 0.1%
Colonial Savings, F.A. $195,000 n/a 0.1%
Community First National Bank $195,000 n/a 0.1%
NATIONWIDE EQUITIES CORPORATION $195,000 n/a 0.1%
VELOCITY COMMERCIAL CAPITAL, LLC $190,000 n/a 0.1%
AMERICAN ADVISORS GROUP $195,000 $185,000 -5.1% 0.1%
MLB RESIDENTIAL LENDING, LLC $185,000 n/a 0.1%
Santander Bank, N.A. $95,000 $185,000 94.7% 0.1%
CITIZENS EQUITY FIRST $175,000 n/a 0.1%
TRIAD FINANCIAL SERVICES, INC. $160,000 n/a 0.1%
ASSOCIATED MORTGAGE BANKERS, INC. $155,000 n/a 0.1%
Citibank $205,000 $155,000 -24.4% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $330,000 $155,000 -53.0% 0.1%
HUNT MORTGAGE CORPORATION $155,000 n/a 0.1%
Lakeland Bank $155,000 n/a 0.1%
Berkshire Bank $320,000 $145,000 -54.7% 0.1%
NATIONWIDE MORTGAGE BANKERS, INC. $145,000 n/a 0.1%
Adirondack Bank $195,000 $135,000 -30.8% 0.1%
Centier Bank $135,000 n/a 0.1%
East Coast Capital Corp. $135,000 n/a 0.1%
Equity Prime Mortgage LLC $135,000 n/a 0.1%
First Home Bank $275,000 $135,000 -50.9% 0.1%
NJ LENDERS CORP. $125,000 n/a 0.1%
Quontic Bank $115,000 n/a 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $115,000 n/a 0.0%
ENVOY MORTGAGE, LTD $105,000 n/a 0.0%
TOTAL MORTGAGE SERVICES, LLC $105,000 n/a 0.0%
Metro City Bank $95,000 n/a 0.0%
HOME TOWN FUNDING, INC. $175,000 $75,000 -57.1% 0.0%
SUFFOLK $65,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $55,000 n/a 0.0%
First National Bank of Pennsylvania $45,000 n/a 0.0%
BayCoast Bank $25,000 n/a 0.0%
AFFINITY $15,000 n/a 0.0%

Oneonta's top lender by overall market share is QUICKEN LOANS, LLC, with 13.0% market share. In second place, with 12.8%, is Community Bank, having originated $29,705,000 in loans. In third place, with 9.5%, is PLAZA HOME MORTGAGE, INC., having originated $21,960,000 in loans. In fourth place, with 7.1%, is NBT Bank, having originated $16,450,000 in loans. In fifth place, with 7.0%, is HOMESTEAD FUNDING CORP., having originated $16,260,000 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%) $333,515 (12.5%) 0.00 518
2018-11-01 $184,950 (2.9%) $339,653 (11.3%) 0.00 481
2018-12-01 $185,000 (3.4%) $339,338 (11.6%) 0.00 451
2019-01-01 $185,000 (5.9%) $344,800 (14.8%) 0.00 402
2019-02-01 $194,450 (12.0%) $351,835 (12.9%) 0.00 402
2019-03-01 $204,571 (14.0%) $353,371 (16.2%) 0.00 412
2019-04-01 $215,950 (20.0%) $352,392 (16.4%) 0.00 433
2019-05-01 $219,000 (25.5%) $343,614 (13.7%) 0.00 466
2019-06-01 $224,900 (23.2%) $337,496 (6.7%) 0.00 498
2019-07-01 $226,250 (26.1%) $345,870 (6.9%) 0.00 518
2019-08-01 $209,424 (15.4%) $325,214 (0.7%) 0.00 540
2019-09-01 $203,561 (11.5%) $310,561 (-4.9%) 0.00 530
2019-10-01 $199,000 (10.6%) $300,479 (-9.9%) 0.00 519
2019-11-01 $199,000 (7.6%) $309,310 (-8.9%) 0.00 451
2019-12-01 $179,950 (-2.7%) $301,557 (-11.1%) 0.00 411
2020-01-01 $179,475 (-3.0%) $295,814 (-14.2%) 0.00 379
2020-02-01 $185,000 (-4.9%) $298,973 (-15.0%) 0.00 360
2020-03-01 $189,000 (-7.6%) $308,396 (-12.7%) 0.00 349
2020-04-01 $189,450 (-12.3%) $309,313 (-12.2%) 0.00 339
2020-05-01 $189,900 (-13.3%) $309,486 (-9.9%) 0.00 336
2020-06-01 $189,925 (-15.6%) $316,987 (-6.1%) 0.00 363
2020-07-01 $192,125 (-15.1%) $327,398 (-5.3%) 0.00 359
2020-08-01 $189,900 (-9.3%) $312,791 (-3.8%) 0.00 357
2020-09-01 $197,450 (-3.0%) $317,154 (2.1%) 0.00 342
2020-10-01 $208,950 (5.0%) $326,768 (8.8%) 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
Oneonta's median listing price for 2022-11-01 was $264,750, a difference of $18,125 (7.4%) versus the prior year and $-3,000 versus the prior month.

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

Oneonta's average listing price for 2022-11-01 was $428,691, a difference of $60,213 (16.3%) versus the prior year and $-692 versus the prior month.

For the 2022-11-01 period, Oneonta had 176 MLS listings, a difference of -20 listings (-10%) versus the prior month and -51 listings (-22%) 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 1,877 sqft
2018-06-01 0 days 1,881 sqft
2018-07-01 0 days 1,856 sqft
2018-08-01 0 days 1,867 sqft
2018-09-01 0 days 1,880 sqft
2018-10-01 0 days 1,850 sqft
2018-11-01 0 days 1,890 sqft
2018-12-01 0 days 1,878 sqft
2019-01-01 0 days 1,850 sqft
2019-02-01 0 days 1,800 sqft
2019-03-01 0 days 1,833 sqft
2019-04-01 0 days 1,886 sqft
2019-05-01 0 days 1,881 sqft
2019-06-01 0 days 1,878 sqft
2019-07-01 0 days 1,900 sqft
2019-08-01 0 days 1,880 sqft
2019-09-01 0 days 1,880 sqft
2019-10-01 0 days 1,880 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 1,858 sqft
2020-03-01 0 days 1,876 sqft
2020-04-01 0 days 1,879 sqft
2020-05-01 0 days 1,934 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 1,936 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 1,870 sqft
2022-09-01 0 days 1,866 sqft
2022-10-01 0 days 1,886 sqft
2022-11-01 0 days 1,802 sqft
Oneonta's median listing age (time on market) for 2022-11-01 was 0 days.

Oneonta's median square footage for active listings during the 2022-11-01 period was 1,802 sqft. One year prior, the average listing was 2,000 sqft.

Oneonta, NY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 635 $123,235,000 $194,071
Refi 408 $62,470,000 $153,113
Cash Out Refi 179 $32,755,000 $182,989
Home Improvement 90 $8,140,000 $90,444
Other 51 $5,695,000 $111,667

Oneonta's most frequently cited loan purpose was Home Purchase, with 635 originations. The 2nd most popular reason was Refi, with 408 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 543 $85,915,000 $158,223
2.5-3% 482 $88,220,000 $183,029
<2.5% 176 $33,770,000 $191,875
4-5% 64 $8,510,000 $132,969
6-7% 11 $765,000 $69,545
5-6% 10 $1,090,000 $109,000
7-8% 6 $370,000 $61,667
Over 8% 2 $170,000 $85,000

During 2021, Oneonta's most frequently originated rate bucket was 3-4%, with 543 originations.

Loan Sizing (Oneonta, NY MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 658 $94,360,000 $143,404
$100,000 or less 348 $22,890,000 $65,776
$200k-400k 294 $78,980,000 $268,639
$400k-600k 47 $21,915,000 $466,277
$600k-1000k 15 $11,145,000 $743,000
$Over $1MM 1 $3,005,000 $3,005,000

Oneonta's loan sizing saw the bucket of loans from $100k-200k with 658 originations, totaling $94,360,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 551 $101,315,000 $183,875
60-80% 432 $78,650,000 $182,060
40-60% 155 $23,575,000 $152,097
20-40% 84 $7,550,000 $89,881
Under 20% 60 $2,160,000 $36,000
Over 100% 7 $4,655,000 $665,000

Oneonta's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 551 originations, totaling $101,315,000 in origination value.