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 6.17% 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.