Oneonta Mortgage Rates & Closing Costs

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  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
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  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Oneonta averaged 6.97% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

    The average rate for the prior week (2025-04-03) was 7.09% and one month ago for the week of 2025-03-06, the average rate was 6.88%.

    Oneonta's average rate one year ago was 6.87%.

    For refis of the same type during the week of 2025-04-10, the average rate was 6.92%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Oneonta 30 Year Fixed Rate 2025-04-10 6.97%
    Oneonta 30 Year Fixed Rate Refi 2025-04-10 6.92%
    Oneonta 15 Year Fixed Rate 2025-04-10 6.02%
    Oneonta 15 Year Fixed Rate Refi 2025-04-10 6.42%
    Oneonta 30 Year FHA 2025-04-10 6.53%
    Oneonta 30 Year FHA Refi 2025-04-10 6.33%
    Oneonta 30 Year USDA 2025-04-10 6.55%
    Oneonta 30 Year USDA Refi 2025-04-10 6.65%
    Oneonta 30 Year VA 2025-04-10 6.39%
    Oneonta 30 Year VA Refi 2025-04-10 6.19%
    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Community Bank 64 7.38% $1,947
    QUICKEN LOANS, LLC 33 6.92% $6,744
    HOMESTEAD FUNDING CORP. 21 6.54% $3,677
    NBT Bank 19 6.47% $3,986
    PLAZA HOME MORTGAGE, INC. 11 6.60% $8,346
    Premium Mortgage Corporation 10 6.65% $4,495
    Farm Credit East, ACA 8 7.36% $5,710
    UNITED WHOLESALE MORTGAGE, LLC 7 6.39% $8,688
    SEFCU SERVICES, LLC 6 6.08% $3,487
    Wayne Bank 5 6.45% $4,335
    1ST PRIORITY MORTGAGE, INC. 5 6.58% $6,171
    JPMorgan Chase Bank 4 6.62% $5,118
    NAVY FEDERAL CREDIT UNION 4 6.75% $7,607
    KeyBank 4 7.16% $4,748
    Wells Fargo Bank 3 6.17% $5,990
    AMERICU Credit Union 3 6.12% $4,722
    CROSSCOUNTRY MORTGAGE, LLC 3 6.54% $9,097
    Mortgage Research Center, LLC 3 7.00% $4,180
    MOVEMENT MORTGAGE, LLC 3 6.70% $5,828
    M&T Bank 2 7.06% $4,272
    NEWREZ LLC 2 7.56% $8,728
    TD Bank 2 7.13% $4,894
    Bank of Richmondville 2 6.50% $1,632
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.62% $6,122
    Citizens Bank 2 6.50% $4,833
    LOANDEPOT.COM, LLC 2 6.25% $5,914
    VISIONS 2 6.44% $3,109
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.50% $7,276
    Bank of America 2 6.19% $4,334
    NBKC BANK 1 6.99% $6,240
    Charles Schwab Bank, SSB 1 6.60% $4,441
    NORWICH COMMERCIAL GROUP, INC. 1 7.00% $10,483
    PENNYMAC LOAN SERVICES, LLC 1 7.00% $9,621
    CARDINAL FINANCIAL 1 7.25% $10,903
    PNC Bank 1 7.25% $6,225
    Bank of England 1 6.88% $5,137
    ROYAL UNITED MORTGAGE LLC 1 7.63% $4,721
    Stifel Bank and Trust 1 6.13% $5,107
    SUNMARK FEDERAL CREDIT UNION 1 6.38% $4,081
    TEACHERS 1 5.75% $3,799
    UNITED MORTGAGE CORP 1 6.88% $6,379
    AgFirst Farm Credit Bank 1 7.75% $3,979
    US MORTGAGE CORPORATION 1 6.99% $11,507
    First Federal Bank 1 7.00% $4,002
    East Coast Capital Corp. 1 7.13% $7,154
    FIRST SOURCE 1 7.00% $3,256
    Genesee Regional Bank 1 6.88% $4,300
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 7.13% $3,916
    HSBC BANK USA, NATIONAL ASSOCIATION 1 7.24% $4,211
    INTERSTATE HOME LOAN CENTER, INC. 1 6.13% $8,856
    CONTOUR MORTGAGE CORPORATION 1 6.50% $6,819
    CMG MORTGAGE, INC. 1 6.50% $6,933
    A&D Mortgage LLC 1 9.75% $15,388
    21ST MORTGAGE CORPORATION 1 9.27% $5,088

    Oneonta Average Closing Costs & Other Stats

    Oneonta, NY's 54 lenders originated 737 loans during 2024. The total origination value was $124,205,000, with an average loan value of $168,528.

    Oneonta's average closing costs are $4,677.

    The top Oneonta lender as defined by loan originations is Community Bank, with 64 loans originated. Their average total fees are $1,947, which is $4,797 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Oneonta lenders (with over 10 loans originated) are Community Bank ($1,947), HOMESTEAD FUNDING CORP. ($3,677), NBT Bank ($3,986), Premium Mortgage Corporation ($4,495) and QUICKEN LOANS, LLC ($6,744).

    The lowest rate Oneonta lenders (with over 10 loans originated) are NBT Bank (6.47%), HOMESTEAD FUNDING CORP. (6.54%), PLAZA HOME MORTGAGE, INC. (6.60%), Premium Mortgage Corporation (6.65%) and QUICKEN LOANS, LLC (6.92%).

    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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    Community Bank $17,490,000 $22,715,000 29.9% 18.3%
    QUICKEN LOANS, LLC $8,940,000 $11,585,000 29.6% 9.3%
    NBT Bank $13,240,000 $9,340,000 -29.5% 7.5%
    HOMESTEAD FUNDING CORP. $9,265,000 $6,925,000 -25.3% 5.6%
    PLAZA HOME MORTGAGE, INC. $4,995,000 $5,455,000 9.2% 4.4%
    Wayne Bank $6,970,000 $4,160,000 -40.3% 3.3%
    AMERICU Credit Union $685,000 $3,780,000 451.8% 3.0%
    CROSSCOUNTRY MORTGAGE, LLC $115,000 $2,895,000 2,417.4% 2.3%
    Premium Mortgage Corporation $2,860,000 $2,875,000 0.5% 2.3%
    NAVY FEDERAL CREDIT UNION $1,045,000 $2,765,000 164.6% 2.2%
    UNITED WHOLESALE MORTGAGE, LLC $2,255,000 $2,595,000 15.1% 2.1%
    Farm Credit East, ACA $3,095,000 $2,310,000 -25.4% 1.9%
    Mortgage Research Center, LLC $1,290,000 $2,130,000 65.1% 1.7%
    NEWREZ LLC $535,000 $1,815,000 239.3% 1.5%
    SEFCU SERVICES, LLC $1,890,000 $1,800,000 -4.8% 1.4%
    Citizens Bank $2,850,000 $1,720,000 -39.6% 1.4%
    M&T Bank $2,565,000 $1,500,000 -41.5% 1.2%
    KeyBank $920,000 $1,425,000 54.9% 1.1%
    FIRST SOURCE $1,095,000 $1,285,000 17.4% 1.0%
    LOANDEPOT.COM, LLC $715,000 $1,260,000 76.2% 1.0%
    Wells Fargo Bank $1,260,000 $1,125,000 -10.7% 0.9%
    STATE EMPLOYEES FEDERAL CREDIT UNION $720,000 $1,045,000 45.1% 0.8%
    Tioga State Bank $1,040,000 n/a 0.8%
    TD Bank $1,045,000 $1,000,000 -4.3% 0.8%
    1ST PRIORITY MORTGAGE, INC. $915,000 $935,000 2.2% 0.8%
    MOVEMENT MORTGAGE, LLC $1,320,000 $915,000 -30.7% 0.7%
    VISIONS $280,000 $840,000 200.0% 0.7%
    JPMorgan Chase Bank $1,015,000 $775,000 -23.6% 0.6%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $350,000 $695,000 98.6% 0.6%
    Bank of Richmondville $880,000 $645,000 -26.7% 0.5%
    USAA Federal Savings Bank $600,000 n/a 0.5%
    Charles Schwab Bank, SSB $540,000 n/a 0.4%
    Equity Prime Mortgage LLC $300,000 $535,000 78.3% 0.4%
    Hometown Equity Mortgage, LLC $370,000 $500,000 35.1% 0.4%
    A&D Mortgage LLC $480,000 n/a 0.4%
    INTERSTATE HOME LOAN CENTER, INC. $475,000 n/a 0.4%
    ARC HOME LLC $465,000 n/a 0.4%
    Bank of America $455,000 n/a 0.4%
    RELIANCE FIRST CAPITAL, LLC $540,000 $455,000 -15.7% 0.4%
    Carrington Mortgage Services, LLC $95,000 $435,000 357.9% 0.4%
    CMG MORTGAGE, INC. $420,000 n/a 0.3%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $205,000 $420,000 104.9% 0.3%
    Genesee Regional Bank $250,000 $410,000 64.0% 0.3%
    HSBC BANK USA, NATIONAL ASSOCIATION $405,000 n/a 0.3%
    Chemung Canal Trust Company $375,000 n/a 0.3%
    GUARANTEED RATE, INC. $370,000 n/a 0.3%
    Stifel Bank and Trust $365,000 n/a 0.3%
    Tompkins Trust Company $355,000 n/a 0.3%
    GHS Federal Credit Union $65,000 $345,000 430.8% 0.3%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $485,000 $340,000 -29.9% 0.3%
    FREEDOM MORTGAGE CORPORATION $350,000 $330,000 -5.7% 0.3%
    Discover Bank $185,000 $305,000 64.9% 0.2%
    Adirondack Bank $160,000 $295,000 84.4% 0.2%
    CARDINAL FINANCIAL $275,000 n/a 0.2%
    Berkshire Bank $130,000 $255,000 96.2% 0.2%
    FIRST NEW YORK $155,000 $255,000 64.5% 0.2%
    PENNYMAC LOAN SERVICES, LLC $1,545,000 $245,000 -84.1% 0.2%
    PNC Bank $240,000 $245,000 2.1% 0.2%
    NORWICH COMMERCIAL GROUP, INC. $105,000 $235,000 123.8% 0.2%
    SUNMARK FEDERAL CREDIT UNION $125,000 $230,000 84.0% 0.2%
    CREDIT HUMAN FEDERAL CREDIT UNION $75,000 $210,000 180.0% 0.2%
    ROYAL UNITED MORTGAGE LLC $75,000 $210,000 180.0% 0.2%
    Bank of England $205,000 n/a 0.2%
    First Federal Bank $205,000 n/a 0.2%
    NBKC BANK $330,000 $205,000 -37.9% 0.2%
    Pathfinder Bank $205,000 n/a 0.2%
    SUFFOLK $205,000 n/a 0.2%
    CREDIT UNION MORTGAGE ASSOCIATION, INC. $195,000 n/a 0.2%
    PLANET HOME LENDING, LLC $195,000 n/a 0.2%
    Texana Bank $195,000 n/a 0.2%
    ALLIANT CREDIT UNION $185,000 n/a 0.1%
    21ST MORTGAGE CORPORATION $315,000 $170,000 -46.0% 0.1%
    Barrington Bank & Trust Company, N.A. $380,000 $165,000 -56.6% 0.1%
    Citadel Servicing Corporation $165,000 n/a 0.1%
    GPO Federal Credit Union $175,000 $165,000 -5.7% 0.1%
    TEACHERS $165,000 n/a 0.1%
    Community First National Bank $155,000 n/a 0.1%
    Meridian Bank Corporation $155,000 n/a 0.1%
    US MORTGAGE CORPORATION $155,000 n/a 0.1%
    AgFirst Farm Credit Bank $145,000 n/a 0.1%
    CONTOUR MORTGAGE CORPORATION $385,000 $145,000 -62.3% 0.1%
    East Coast Capital Corp. $145,000 n/a 0.1%
    FOUNDATION MORTGAGE CORPORATION $225,000 $135,000 -40.0% 0.1%
    UNITED MORTGAGE CORP $95,000 n/a 0.1%
    Baxter Credit Union $85,000 n/a 0.1%
    Mr. Cooper ( Nationstar Mortgage ) $810,000 $85,000 -89.5% 0.1%

    Oneonta's top lender by overall market share is Community Bank, with 18.3% market share. In second place, with 9.3%, is QUICKEN LOANS, LLC, having originated $11,585,000 in loans. In third place, with 7.5%, is NBT Bank, having originated $9,340,000 in loans. In fourth place, with 5.6%, is HOMESTEAD FUNDING CORP., having originated $6,925,000 in loans. In fifth place, with 4.4%, is PLAZA HOME MORTGAGE, INC., having originated $5,455,000 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
    2025-03-01 $266,500 (-3.1%) $470,918 (19.8%) 0.00 122
    Oneonta's median listing price for 2025-03-01 was $266,500, a difference of $-8,500 (-3.1%) versus the prior year and $-30,750 versus the prior month.

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

    Oneonta's average listing price for 2025-03-01 was $470,918, a difference of $77,905 (19.8%) versus the prior year and $-509 versus the prior month.

    For the 2025-03-01 period, Oneonta had 122 MLS listings, a difference of -10 listings (-8%) 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 1,865 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
    2025-03-01 0 days 1,865 sqft
    Oneonta's median listing age (time on market) for 2025-03-01 was 0 days.

    Oneonta's median square footage for active listings during the 2025-03-01 period was 1,865 sqft. One year prior, the average listing was 1,852 sqft.

    Oneonta, NY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 431 $93,635,000 $217,251
    Home Improvement 122 $8,810,000 $72,213
    Other 80 $6,300,000 $78,750
    Cash Out Refi 59 $10,165,000 $172,288
    Refi 45 $5,295,000 $117,667

    Oneonta's most frequently cited loan purpose was Home Purchase, with 431 originations. The 2nd most popular reason was Home Improvement, with 122 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 269 $54,345,000 $202,026
    7-8% 150 $27,850,000 $185,667
    Over 8% 92 $11,790,000 $128,152
    5-6% 73 $15,685,000 $214,863
    3-4% 30 $2,430,000 $81,000
    4-5% 11 $1,665,000 $151,364
    <2.5% 5 $285,000 $57,000
    2.5-3% 1 $95,000 $95,000

    During 2024, Oneonta's most frequently originated rate bucket was 6-7%, with 269 originations.

    Loan Sizing (Oneonta, NY MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 272 $40,430,000 $148,640
    $100,000 or less 242 $14,150,000 $58,471
    $200k-400k 189 $50,275,000 $266,005
    $400k-600k 26 $12,650,000 $486,538
    $600k-1000k 7 $4,825,000 $689,286
    $Over $1MM 1 $1,875,000 $1,875,000

    Oneonta's loan sizing saw the bucket of loans from $100k-200k with 272 originations, totaling $40,430,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 284 $62,350,000 $219,542
    60-80% 157 $34,005,000 $216,592
    20-40% 82 $6,220,000 $75,854
    40-60% 57 $8,455,000 $148,333
    Under 20% 49 $2,155,000 $43,980
    Over 100% 3 $975,000 $325,000

    Oneonta's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 284 originations, totaling $62,350,000 in origination value.