Oneonta Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Oneonta averaged 6.63% for the week of 2025-03-27, compared to the national average of 6.65% for the same period.

    The average rate for the prior week (2025-03-20) was 6.55% and one month ago for the week of 2025-02-20, the average rate was 6.83%.

    Oneonta's average rate one year ago was 7.05%.

    For refis of the same type during the week of 2025-03-27, the average rate was 6.95%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-03-27 6.65%
    Oneonta 30 Year Fixed Rate 2025-03-27 6.63%
    Oneonta 30 Year Fixed Rate Refi 2025-03-27 6.95%
    Oneonta 15 Year Fixed Rate 2025-03-27 5.79%
    Oneonta 15 Year Fixed Rate Refi 2025-03-27 6.19%
    Oneonta 30 Year FHA 2025-03-27 6.37%
    Oneonta 30 Year FHA Refi 2025-03-27 6.37%
    Oneonta 30 Year USDA 2025-03-27 6.5%
    Oneonta 30 Year USDA Refi 2025-03-27 6.4%
    Oneonta 30 Year VA 2025-03-27 6.39%
    Oneonta 30 Year VA Refi 2025-03-27 6.29%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Community Bank 68 6.86% $782
    QUICKEN LOANS, LLC 37 7.14% $6,307
    HOMESTEAD FUNDING CORP. 27 6.95% $3,836
    NBT Bank 16 5.92% $3,686
    Premium Mortgage Corporation 14 6.76% $3,954
    PLAZA HOME MORTGAGE, INC. 11 6.68% $7,406
    Farm Credit East, ACA 10 7.78% $6,161
    UNITED WHOLESALE MORTGAGE, LLC 6 6.92% $9,109
    SEFCU SERVICES, LLC 6 5.92% $4,001
    M&T Bank 6 6.56% $5,295
    KeyBank 5 6.90% $3,599
    Wells Fargo Bank 5 6.98% $6,834
    Wayne Bank 4 6.41% $6,448
    JPMorgan Chase Bank 4 6.90% $5,550
    1ST PRIORITY MORTGAGE, INC. 4 7.13% $5,658
    Mr. Cooper ( Nationstar Mortgage ) 3 7.75% $6,606
    MOVEMENT MORTGAGE, LLC 3 7.02% $6,717
    PENNYMAC LOAN SERVICES, LLC 3 6.87% $8,408
    CONTOUR MORTGAGE CORPORATION 3 6.67% $5,633
    PARAGON HOME LOANS INC. 2 6.88% $7,535
    AMERICAN FINANCIAL NETWORK, INC. 2 8.94% $8,744
    Bethpage Federal Credit Union 2 6.38% $12,274
    Citibank 2 6.19% $6,847
    Citizens Bank 2 6.81% $6,299
    Genesee Regional Bank 2 6.94% $4,869
    NBKC BANK 2 6.94% $5,054
    GPO Federal Credit Union 1 6.38% $4,050
    FM Home Loans, LLC 1 7.00% $6,252
    Lakeland Bank 1 6.50% $4,984
    LOANDEPOT.COM, LLC 1 6.63% $8,525
    MLB RESIDENTIAL LENDING, LLC 1 7.50% $8,756
    Morgan Stanley Private Bank 1 5.33% $4,490
    Mortgage Research Center, LLC 1 6.75% $2,525
    Flagstar Bank, FSB 1 7.63% $4,873
    FIRST SOURCE 1 6.13% $4,318
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.38% $10,913
    NAVY FEDERAL CREDIT UNION 1 7.13% $4,983
    21ST MORTGAGE CORPORATION 1 7.60% $5,023
    EMBRACE HOME LOANS, INC. 1 6.88% $10,413
    NEWREZ LLC 1 6.99% $4,359
    NORWICH COMMERCIAL GROUP, INC. 1 8.00% $7,416
    Discover Bank 1 6.74% $0
    CFCU Community Credit Union 1 6.50% $0
    BOND STREET MORTGAGE, LLC 1 6.13% $13,054
    PREMIA MORTGAGE, LLC 1 6.33% $1,400
    BETTER MORTGAGE CORPORATION 1 7.38% $4,287
    Berkshire Bank 1 5.38% $3,811
    RELIANCE FIRST CAPITAL, LLC 1 7.99% $9,811
    ROYAL UNITED MORTGAGE LLC 1 8.00% $5,424
    Bank of Richmondville 1 6.25% $1,837
    TD Bank 1 5.13% $7,203
    Ulster Savings Bank 1 7.38% $6,262
    AMERICU Credit Union 1 6.50% $5,828
    VISIONS 1 6.00% $3,318
    AMERICAN FEDERAL MORTGAGE CORPORATION 1 6.63% $5,020
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.63% $5,207

    Oneonta Average Closing Costs & Other Stats

    Oneonta, NY's 56 lenders originated 665 loans during 2023. The total origination value was $115,175,000, with an average loan value of $173,195.

    Oneonta's average closing costs are $4,546.

    The top Oneonta lender as defined by loan originations is Community Bank, with 68 loans originated. Their average total fees are $782, which is $5,524 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Oneonta lenders (with over 10 loans originated) are Community Bank ($782), NBT Bank ($3,686), HOMESTEAD FUNDING CORP. ($3,836), Premium Mortgage Corporation ($3,954) and Farm Credit East, ACA ($6,161).

    The lowest rate Oneonta lenders (with over 10 loans originated) are NBT Bank (5.92%), PLAZA HOME MORTGAGE, INC. (6.68%), Premium Mortgage Corporation (6.76%), Community Bank (6.86%) and HOMESTEAD FUNDING CORP. (6.95%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    Community Bank $25,870,000 $17,490,000 -32.4% 15.2%
    NBT Bank $10,720,000 $13,240,000 23.5% 11.5%
    HOMESTEAD FUNDING CORP. $9,995,000 $9,265,000 -7.3% 8.0%
    QUICKEN LOANS, LLC $13,045,000 $8,940,000 -31.5% 7.8%
    Wayne Bank $10,220,000 $6,970,000 -31.8% 6.1%
    PLAZA HOME MORTGAGE, INC. $17,875,000 $4,995,000 -72.1% 4.3%
    Farm Credit East, ACA $1,935,000 $3,095,000 59.9% 2.7%
    Premium Mortgage Corporation $2,070,000 $2,860,000 38.2% 2.5%
    Citizens Bank $4,390,000 $2,850,000 -35.1% 2.5%
    M&T Bank $3,090,000 $2,565,000 -17.0% 2.2%
    UNITED WHOLESALE MORTGAGE, LLC $1,550,000 $2,255,000 45.5% 2.0%
    SEFCU SERVICES, LLC $2,685,000 $1,890,000 -29.6% 1.6%
    PENNYMAC LOAN SERVICES, LLC $1,545,000 n/a 1.3%
    The National Bank of Coxsackie $2,985,000 $1,520,000 -49.1% 1.3%
    MOVEMENT MORTGAGE, LLC $515,000 $1,320,000 156.3% 1.1%
    Mortgage Research Center, LLC $1,080,000 $1,290,000 19.4% 1.1%
    Wells Fargo Bank $2,785,000 $1,260,000 -54.8% 1.1%
    FIRST SOURCE $1,365,000 $1,095,000 -19.8% 1.0%
    NAVY FEDERAL CREDIT UNION $1,445,000 $1,045,000 -27.7% 0.9%
    TD Bank $1,695,000 $1,045,000 -38.3% 0.9%
    JPMorgan Chase Bank $3,565,000 $1,015,000 -71.5% 0.9%
    Citibank $1,045,000 $930,000 -11.0% 0.8%
    Bethpage Federal Credit Union $1,495,000 $920,000 -38.5% 0.8%
    KeyBank $7,680,000 $920,000 -88.0% 0.8%
    1ST PRIORITY MORTGAGE, INC. $695,000 $915,000 31.7% 0.8%
    Empower Federal Credit Union $195,000 $885,000 353.8% 0.8%
    Bank of Richmondville $885,000 $880,000 -0.6% 0.8%
    AMERICAN FINANCIAL NETWORK, INC. $840,000 n/a 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $2,445,000 $810,000 -66.9% 0.7%
    NATIONWIDE MORTGAGE BANKERS, INC. $125,000 $810,000 548.0% 0.7%
    Wintrust Bank, N.A. $785,000 n/a 0.7%
    STATE EMPLOYEES FEDERAL CREDIT UNION $1,225,000 $720,000 -41.2% 0.6%
    LOANDEPOT.COM, LLC $3,345,000 $715,000 -78.6% 0.6%
    HUDSON HERITAGE $710,000 n/a 0.6%
    AMERICU Credit Union $915,000 $685,000 -25.1% 0.6%
    EMBRACE HOME LOANS, INC. $95,000 $630,000 563.2% 0.5%
    PARAGON HOME LOANS INC. $605,000 $580,000 -4.1% 0.5%
    Morgan Stanley Private Bank $515,000 $545,000 5.8% 0.5%
    RELIANCE FIRST CAPITAL, LLC $85,000 $540,000 535.3% 0.5%
    NEWREZ LLC $580,000 $535,000 -7.8% 0.5%
    AMERICAN FEDERAL MORTGAGE CORPORATION $510,000 n/a 0.4%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $870,000 $485,000 -44.3% 0.4%
    NP, Inc. $285,000 $460,000 61.4% 0.4%
    Salisbury Bank and Trust Company $425,000 n/a 0.4%
    CONTOUR MORTGAGE CORPORATION $910,000 $385,000 -57.7% 0.3%
    Barrington Bank & Trust Company, N.A. $380,000 n/a 0.3%
    Hometown Equity Mortgage, LLC $660,000 $370,000 -43.9% 0.3%
    AMERICAN FINANCIAL RESOURCES, INC. $210,000 $350,000 66.7% 0.3%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $415,000 $350,000 -15.7% 0.3%
    FREEDOM MORTGAGE CORPORATION $320,000 $350,000 9.4% 0.3%
    AMWEST FUNDING CORP. $335,000 n/a 0.3%
    NBKC BANK $575,000 $330,000 -42.6% 0.3%
    21ST MORTGAGE CORPORATION $925,000 $315,000 -65.9% 0.3%
    BETTER MORTGAGE CORPORATION $1,470,000 $315,000 -78.6% 0.3%
    Equity Prime Mortgage LLC $225,000 $300,000 33.3% 0.3%
    MLB RESIDENTIAL LENDING, LLC $280,000 n/a 0.2%
    VISIONS $1,920,000 $280,000 -85.4% 0.2%
    BOND STREET MORTGAGE, LLC $275,000 n/a 0.2%
    PREMIA MORTGAGE, LLC $265,000 n/a 0.2%
    Flagstar Bank, FSB $475,000 $260,000 -45.3% 0.2%
    HUNT MORTGAGE CORPORATION $305,000 $255,000 -16.4% 0.2%
    Genesee Regional Bank $250,000 n/a 0.2%
    Fifth Third Bank $245,000 n/a 0.2%
    PNC Bank $510,000 $240,000 -52.9% 0.2%
    Ulster Savings Bank $235,000 n/a 0.2%
    FOUNDATION MORTGAGE CORPORATION $225,000 n/a 0.2%
    FINANCE OF AMERICA REVERSE LLC $210,000 n/a 0.2%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $515,000 $205,000 -60.2% 0.2%
    Rondout Savings Bank $205,000 n/a 0.2%
    TEG Federal Credit Union $205,000 n/a 0.2%
    Discover Bank $85,000 $185,000 117.6% 0.2%
    GPO Federal Credit Union $160,000 $175,000 9.4% 0.2%
    First Savings Bank $165,000 n/a 0.1%
    VELOCITY COMMERCIAL CAPITAL, LLC $165,000 n/a 0.1%
    Adirondack Bank $245,000 $160,000 -34.7% 0.1%
    FIRST NEW YORK $585,000 $155,000 -73.5% 0.1%
    SILVER HILL FUNDING, LLC $155,000 n/a 0.1%
    FM Home Loans, LLC $135,000 n/a 0.1%
    GUARANTEED RATE AFFINITY, LLC $135,000 n/a 0.1%
    Berkshire Bank $305,000 $130,000 -57.4% 0.1%
    CFCU Community Credit Union $125,000 n/a 0.1%
    SUNMARK FEDERAL CREDIT UNION $485,000 $125,000 -74.2% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $160,000 $125,000 -21.9% 0.1%
    CROSSCOUNTRY MORTGAGE, LLC $1,345,000 $115,000 -91.4% 0.1%
    LENDINGHOME FUNDING CORPORATION $115,000 n/a 0.1%
    UTILITIES EMPLOYEES CREDIT UNION $65,000 $110,000 69.2% 0.1%
    AMERICAN HERITAGE LENDING, INC. $105,000 n/a 0.1%
    NORWICH COMMERCIAL GROUP, INC. $105,000 n/a 0.1%
    Carrington Mortgage Services, LLC $95,000 n/a 0.1%
    HOME TOWN FUNDING, INC. $95,000 n/a 0.1%
    Lakeland Bank $95,000 n/a 0.1%
    Centier Bank $85,000 n/a 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $115,000 $75,000 -34.8% 0.1%
    ROYAL UNITED MORTGAGE LLC $255,000 $75,000 -70.6% 0.1%
    GHS Federal Credit Union $440,000 $65,000 -85.2% 0.1%
    ACCESS Federal Credit Union $55,000 $55,000 0.0% 0.0%
    MID-HUDSON VALLEY $45,000 n/a 0.0%

    Oneonta's top lender by overall market share is Community Bank, with 15.2% market share. In second place, with 11.5%, is NBT Bank, having originated $13,240,000 in loans. In third place, with 8.0%, is HOMESTEAD FUNDING CORP., having originated $9,265,000 in loans. In fourth place, with 7.8%, is QUICKEN LOANS, LLC, having originated $8,940,000 in loans. In fifth place, with 6.1%, is Wayne Bank, having originated $6,970,000 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 $179,000 (15.9%) $304,360 (14.3%) 0.00 450
    2018-02-01 $177,000 (16.9%) $314,885 (20.9%) 0.00 435
    2018-03-01 $179,900 (18.2%) $308,194 (13.8%) 0.00 422
    2018-04-01 $179,900 (12.5%) $306,873 (11.3%) 0.00 416
    2018-05-01 $179,900 (12.5%) $307,794 (12.1%) 0.00 446
    2018-06-01 $189,000 (15.0%) $321,069 (11.3%) 0.00 495
    2018-07-01 $183,250 (8.1%) $329,878 (12.7%) 0.00 524
    2018-08-01 $188,750 (11.4%) $330,541 (11.8%) 0.00 529
    2018-09-01 $188,000 (7.4%) $332,162 (8.7%) 0.00 524
    2018-10-01 $185,000 (4.5%) $339,682 (12.9%) 0.00 505
    2018-11-01 $189,850 (4.8%) $347,135 (11.9%) 0.00 467
    2018-12-01 $189,450 (5.3%) $346,828 (12.4%) 0.00 436
    2019-01-01 $189,900 (6.1%) $351,709 (15.6%) 0.00 392
    2019-02-01 $199,200 (12.5%) $358,254 (13.8%) 0.00 393
    2019-03-01 $208,471 (15.9%) $358,871 (16.4%) 0.00 404
    2019-04-01 $221,175 (22.9%) $357,752 (16.6%) 0.00 425
    2019-05-01 $221,150 (22.9%) $349,257 (13.5%) 0.00 455
    2019-06-01 $225,000 (19.1%) $341,981 (6.5%) 0.00 488
    2019-07-01 $229,000 (25.0%) $351,727 (6.6%) 0.00 502
    2019-08-01 $213,736 (13.2%) $333,211 (0.8%) 0.00 522
    2019-09-01 $205,841 (9.5%) $317,463 (-4.4%) 0.00 514
    2019-10-01 $199,800 (8.0%) $306,367 (-9.8%) 0.00 505
    2019-11-01 $199,900 (5.3%) $316,576 (-8.8%) 0.00 438
    2019-12-01 $185,625 (-2.0%) $308,938 (-10.9%) 0.00 393
    2020-01-01 $182,000 (-4.2%) $301,439 (-14.3%) 0.00 366
    2020-02-01 $186,350 (-6.5%) $302,161 (-15.7%) 0.00 350
    2020-03-01 $189,000 (-9.3%) $311,786 (-13.1%) 0.00 338
    2020-04-01 $189,450 (-14.3%) $311,992 (-12.8%) 0.00 330
    2020-05-01 $189,900 (-14.1%) $313,549 (-10.2%) 0.00 327
    2020-06-01 $192,500 (-14.4%) $323,868 (-5.3%) 0.00 347
    2020-07-01 $194,725 (-15.0%) $333,337 (-5.2%) 0.00 346
    2020-08-01 $195,000 (-8.8%) $317,409 (-4.7%) 0.00 346
    2020-09-01 $202,975 (-1.4%) $320,604 (1.0%) 0.00 332
    2020-10-01 $219,000 (9.6%) $328,279 (7.2%) 0.00 321
    2020-11-01 $189,222 (-5.3%) $320,396 (1.2%) 0.00 303
    2020-12-01 $189,891 (2.3%) $318,352 (3.1%) 0.00 283
    2021-01-01 $183,750 (1.0%) $316,267 (4.9%) 0.00 233
    2021-02-01 $189,000 (1.4%) $334,875 (10.8%) 0.00 211
    2021-03-01 $202,500 (7.1%) $374,047 (20.0%) 0.00 192
    2021-04-01 $214,975 (13.5%) $374,897 (20.2%) 0.00 183
    2021-05-01 $249,000 (31.1%) $397,469 (26.8%) 0.00 187
    2021-06-01 $249,950 (29.8%) $380,588 (17.5%) 0.00 228
    2021-07-01 $262,400 (34.8%) $385,760 (15.7%) 0.00 254
    2021-08-01 $259,625 (33.1%) $392,090 (23.5%) 0.00 270
    2021-09-01 $249,925 (23.1%) $384,034 (19.8%) 0.00 263
    2021-10-01 $239,950 (9.6%) $367,968 (12.1%) 0.00 247
    2021-11-01 $249,250 (31.7%) $372,653 (16.3%) 0.00 220
    2021-12-01 $251,250 (32.3%) $366,530 (15.1%) 0.00 190
    2022-01-01 $245,000 (33.3%) $346,468 (9.6%) 0.00 158
    2022-02-01 $255,350 (35.1%) $395,652 (18.2%) 0.00 139
    2022-03-01 $259,900 (28.4%) $418,489 (11.9%) 0.00 133
    2022-04-01 $282,450 (31.4%) $427,781 (14.1%) 0.00 133
    2022-05-01 $288,700 (15.9%) $406,595 (2.3%) 0.00 167
    2022-06-01 $296,975 (18.8%) $411,247 (8.1%) 0.00 199
    2022-07-01 $268,500 (2.3%) $438,367 (13.6%) 0.00 227
    2022-08-01 $284,450 (9.6%) $457,214 (16.6%) 0.00 213
    2022-09-01 $279,950 (12.0%) $436,298 (13.6%) 0.00 203
    2022-10-01 $269,200 (12.2%) $435,543 (18.4%) 0.00 191
    2022-11-01 $266,000 (6.7%) $432,026 (15.9%) 0.00 171
    2022-12-01 $225,500 (-10.3%) $405,332 (10.6%) 0.00 162
    2023-01-01 $260,000 (6.1%) $436,842 (26.1%) 0.00 135
    2023-02-01 $254,500 (-0.3%) $418,096 (5.7%) 0.00 134
    2023-03-01 $249,000 (-4.2%) $407,539 (-2.6%) 0.00 146
    2023-04-01 $249,900 (-11.5%) $387,577 (-9.4%) 0.00 148
    2023-05-01 $294,475 (2.0%) $420,194 (3.3%) 0.00 149
    2023-06-01 $299,600 (0.9%) $424,545 (3.2%) 0.00 159
    2023-07-01 $299,000 (11.4%) $409,576 (-6.6%) 0.00 163
    2023-08-01 $279,900 (-1.6%) $378,942 (-17.1%) 0.00 175
    2023-09-01 $292,000 (4.3%) $405,316 (-7.1%) 0.00 188
    2023-10-01 $281,200 (4.5%) $396,103 (-9.1%) 0.00 185
    2023-11-01 $279,500 (5.1%) $387,854 (-10.2%) 0.00 173
    2023-12-01 $280,000 (24.2%) $396,903 (-2.1%) 0.00 151
    2024-01-01 $281,950 (8.4%) $402,874 (-7.8%) 0.00 141
    2024-02-01 $264,225 (3.8%) $384,926 (-7.9%) 0.00 135
    2024-03-01 $275,000 (10.4%) $393,013 (-3.6%) 0.00 138
    2024-04-01 $283,725 (13.5%) $423,583 (9.3%) 0.00 134
    2024-05-01 $312,000 (6.0%) $479,776 (14.2%) 0.00 145
    2024-06-01 $299,000 (-0.2%) $468,216 (10.3%) 0.00 160
    2024-07-01 $299,000 (0.0%) $461,862 (12.8%) 0.00 177
    2024-08-01 $312,000 (11.5%) $482,892 (27.4%) 0.00 186
    2024-09-01 $293,125 (0.4%) $474,716 (17.1%) 0.00 179
    2024-10-01 $292,875 (4.2%) $487,083 (23.0%) 0.00 182
    2024-11-01 $299,000 (7.0%) $486,775 (25.5%) 0.00 171
    2024-12-01 $282,600 (0.9%) $478,015 (20.4%) 0.00 151
    2025-01-01 $279,975 (-0.7%) $458,904 (13.9%) 0.00 134
    2025-02-01 $297,250 (12.5%) $471,427 (22.5%) 0.00 132
    Oneonta's median listing price for 2025-02-01 was $297,250, a difference of $33,025 (12.5%) versus the prior year and $17,275 versus the prior month.

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

    Oneonta's average listing price for 2025-02-01 was $471,427, a difference of $86,501 (22.5%) versus the prior year and $12,523 versus the prior month.

    For the 2025-02-01 period, Oneonta had 132 MLS listings, a difference of -2 listings (-1%) versus the prior month and -3 listings (-2%) 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 1,865 sqft
    2018-02-01 0 days 1,889 sqft
    2018-03-01 0 days 1,899 sqft
    2018-04-01 0 days 1,881 sqft
    2018-05-01 0 days 1,876 sqft
    2018-06-01 0 days 1,878 sqft
    2018-07-01 0 days 1,832 sqft
    2018-08-01 0 days 1,867 sqft
    2018-09-01 0 days 1,870 sqft
    2018-10-01 0 days 1,851 sqft
    2018-11-01 0 days 1,890 sqft
    2018-12-01 0 days 1,884 sqft
    2019-01-01 0 days 1,850 sqft
    2019-02-01 0 days 1,801 sqft
    2019-03-01 0 days 1,841 sqft
    2019-04-01 0 days 1,898 sqft
    2019-05-01 0 days 1,897 sqft
    2019-06-01 0 days 1,900 sqft
    2019-07-01 0 days 1,909 sqft
    2019-08-01 0 days 1,898 sqft
    2019-09-01 0 days 1,899 sqft
    2019-10-01 0 days 1,900 sqft
    2019-11-01 0 days 1,894 sqft
    2019-12-01 0 days 1,816 sqft
    2020-01-01 0 days 1,824 sqft
    2020-02-01 0 days 1,840 sqft
    2020-03-01 0 days 1,860 sqft
    2020-04-01 0 days 1,866 sqft
    2020-05-01 0 days 1,919 sqft
    2020-06-01 0 days 1,937 sqft
    2020-07-01 0 days 1,943 sqft
    2020-08-01 0 days 1,920 sqft
    2020-09-01 0 days 1,938 sqft
    2020-10-01 0 days 1,898 sqft
    2020-11-01 0 days 1,800 sqft
    2020-12-01 0 days 1,800 sqft
    2021-01-01 0 days 1,796 sqft
    2021-02-01 0 days 1,805 sqft
    2021-03-01 0 days 1,851 sqft
    2021-04-01 0 days 1,835 sqft
    2021-05-01 0 days 1,820 sqft
    2021-06-01 0 days 2,000 sqft
    2021-07-01 0 days 1,942 sqft
    2021-08-01 0 days 1,970 sqft
    2021-09-01 0 days 1,960 sqft
    2021-10-01 0 days 1,908 sqft
    2021-11-01 0 days 2,000 sqft
    2021-12-01 0 days 1,965 sqft
    2022-01-01 0 days 1,900 sqft
    2022-02-01 0 days 1,998 sqft
    2022-03-01 0 days 2,012 sqft
    2022-04-01 0 days 2,074 sqft
    2022-05-01 0 days 1,893 sqft
    2022-06-01 0 days 1,910 sqft
    2022-07-01 0 days 1,844 sqft
    2022-08-01 0 days 1,870 sqft
    2022-09-01 0 days 1,874 sqft
    2022-10-01 0 days 1,930 sqft
    2022-11-01 0 days 1,824 sqft
    2022-12-01 0 days 1,751 sqft
    2023-01-01 0 days 1,931 sqft
    2023-02-01 0 days 1,946 sqft
    2023-03-01 0 days 1,931 sqft
    2023-04-01 0 days 1,889 sqft
    2023-05-01 0 days 1,910 sqft
    2023-06-01 0 days 1,949 sqft
    2023-07-01 0 days 1,932 sqft
    2023-08-01 0 days 1,862 sqft
    2023-09-01 0 days 1,904 sqft
    2023-10-01 0 days 1,856 sqft
    2023-11-01 0 days 1,876 sqft
    2023-12-01 0 days 1,892 sqft
    2024-01-01 0 days 1,889 sqft
    2024-02-01 0 days 1,883 sqft
    2024-03-01 0 days 1,852 sqft
    2024-04-01 0 days 1,831 sqft
    2024-05-01 0 days 1,969 sqft
    2024-06-01 0 days 1,960 sqft
    2024-07-01 0 days 1,885 sqft
    2024-08-01 0 days 1,908 sqft
    2024-09-01 0 days 1,903 sqft
    2024-10-01 0 days 1,906 sqft
    2024-11-01 0 days 1,900 sqft
    2024-12-01 0 days 1,882 sqft
    2025-01-01 0 days 1,913 sqft
    2025-02-01 0 days 1,932 sqft
    Oneonta's median listing age (time on market) for 2025-02-01 was 0 days.

    Oneonta's median square footage for active listings during the 2025-02-01 period was 1,932 sqft. One year prior, the average listing was 1,883 sqft.

    Oneonta, NY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 414 $85,240,000 $205,894
    Home Improvement 75 $7,195,000 $95,933
    Refi 72 $9,680,000 $134,444
    Other 58 $5,230,000 $90,172
    Cash Out Refi 46 $7,830,000 $170,217

    Oneonta's most frequently cited loan purpose was Home Purchase, with 414 originations. The 2nd most popular reason was Home Improvement, with 75 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 253 $48,235,000 $190,652
    7-8% 162 $27,960,000 $172,593
    5-6% 76 $15,440,000 $203,158
    Over 8% 69 $8,905,000 $129,058
    <2.5% 57 $4,095,000 $71,842
    3-4% 17 $1,685,000 $99,118
    4-5% 15 $4,965,000 $331,000
    2.5-3% 1 $65,000 $65,000

    During 2023, Oneonta's most frequently originated rate bucket was 6-7%, with 253 originations.

    Loan Sizing (Oneonta, NY MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 272 $39,440,000 $145,000
    $100,000 or less 192 $11,900,000 $61,979
    $200k-400k 172 $46,660,000 $271,279
    $400k-600k 16 $7,620,000 $476,250
    $600k-1000k 12 $8,510,000 $709,167
    $Over $1MM 1 $1,045,000 $1,045,000

    Oneonta's loan sizing saw the bucket of loans from $100k-200k with 272 originations, totaling $39,440,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 277 $56,995,000 $205,758
    60-80% 178 $36,000,000 $202,247
    20-40% 77 $6,335,000 $82,273
    40-60% 73 $9,715,000 $133,082
    Under 20% 39 $1,475,000 $37,821
    Over 100% 3 $725,000 $241,667

    Oneonta's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 277 originations, totaling $56,995,000 in origination value.