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% for the week of 2024-10-03, compared to the national average of 6.12% for the same period.

The average rate for the prior week (2024-09-26) was 6.36% and one month ago for the week of 2024-08-29, the average rate was 6.23%.

Oneonta's average rate one year ago was 7.39%.

For refis of the same type during the week of 2024-10-03, the average rate was 6.62%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-03 6.12%
Oneonta 30 Year Fixed Rate 2024-10-03 6%
Oneonta 30 Year Fixed Rate Refi 2024-10-03 6.62%
Oneonta 15 Year Fixed Rate 2024-10-03 5.05%
Oneonta 15 Year Fixed Rate Refi 2024-10-03 5.75%
Oneonta 30 Year FHA 2024-10-03 5.89%
Oneonta 30 Year FHA Refi 2024-10-03 5.79%
Oneonta 30 Year USDA 2024-10-03 6.07%
Oneonta 30 Year USDA Refi 2024-10-03 6.07%
Oneonta 30 Year VA 2024-10-03 5.5%
Oneonta 30 Year VA Refi 2024-10-03 5.5%
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 (16.2%) $304,360 (14.3%) 0.00 450
2018-02-01 $176,500 (16.9%) $314,208 (20.6%) 0.00 436
2018-03-01 $179,900 (18.4%) $307,510 (13.5%) 0.00 423
2018-04-01 $179,900 (12.5%) $306,205 (11.0%) 0.00 417
2018-05-01 $179,900 (12.5%) $307,151 (11.9%) 0.00 447
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 $186,950 (6.8%) $332,396 (8.8%) 0.00 523
2018-10-01 $186,225 (5.2%) $339,507 (12.9%) 0.00 506
2018-11-01 $189,900 (4.8%) $346,933 (11.9%) 0.00 468
2018-12-01 $189,900 (5.6%) $346,614 (12.3%) 0.00 437
2019-01-01 $189,950 (6.1%) $351,462 (15.5%) 0.00 393
2019-02-01 $199,450 (13.0%) $357,981 (13.9%) 0.00 394
2019-03-01 $208,471 (15.9%) $358,604 (16.6%) 0.00 405
2019-04-01 $221,175 (22.9%) $357,652 (16.8%) 0.00 425
2019-05-01 $221,150 (22.9%) $349,279 (13.7%) 0.00 455
2019-06-01 $225,000 (19.1%) $341,768 (6.5%) 0.00 489
2019-07-01 $229,225 (25.1%) $351,747 (6.6%) 0.00 502
2019-08-01 $214,100 (13.4%) $333,267 (0.8%) 0.00 522
2019-09-01 $206,000 (10.2%) $317,520 (-4.5%) 0.00 514
2019-10-01 $199,800 (7.3%) $306,425 (-9.7%) 0.00 505
2019-11-01 $199,700 (5.2%) $316,839 (-8.7%) 0.00 437
2019-12-01 $184,950 (-2.6%) $309,181 (-10.8%) 0.00 393
2020-01-01 $182,000 (-4.2%) $301,711 (-14.2%) 0.00 365
2020-02-01 $186,350 (-6.6%) $302,937 (-15.4%) 0.00 348
2020-03-01 $189,000 (-9.3%) $312,045 (-13.0%) 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 (-5.2%) 0.00 347
2020-07-01 $194,725 (-15.1%) $333,622 (-5.2%) 0.00 346
2020-08-01 $195,000 (-8.9%) $317,409 (-4.8%) 0.00 346
2020-09-01 $202,975 (-1.5%) $320,604 (1.0%) 0.00 332
2020-10-01 $219,000 (9.6%) $328,279 (7.1%) 0.00 321
2020-11-01 $189,222 (-5.3%) $320,396 (1.1%) 0.00 303
2020-12-01 $189,891 (2.7%) $318,352 (3.0%) 0.00 283
2021-01-01 $183,750 (1.0%) $316,267 (4.8%) 0.00 233
2021-02-01 $189,000 (1.4%) $334,875 (10.5%) 0.00 211
2021-03-01 $202,500 (7.1%) $374,047 (19.9%) 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 (15.6%) 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 $288,725 (16.0%) $407,136 (2.4%) 0.00 167
2022-06-01 $297,750 (19.1%) $412,261 (8.3%) 0.00 198
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%) 0.00 163
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 (3.2%) 0.00 149
2023-06-01 $299,600 (0.6%) $424,545 (3.0%) 0.00 159
2023-07-01 $299,000 (11.4%) $411,398 (-6.2%) 0.00 163
2023-08-01 $279,900 (-1.6%) $380,462 (-16.8%) 0.00 174
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 $326,000 (10.7%) $485,439 (15.5%) 0.00 145
2024-06-01 $325,000 (8.5%) $471,018 (11.0%) 0.00 160
2024-07-01 $302,250 (1.1%) $466,318 (13.4%) 0.00 181
2024-08-01 $315,000 (12.5%) $485,252 (27.5%) 0.00 195
2024-09-01 $290,000 (-0.7%) $474,548 (17.1%) 0.00 191
Oneonta's median listing price for 2024-09-01 was $290,000, a difference of $-2,000 (-0.7%) versus the prior year and $-25,000 versus the prior month.

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

Oneonta's average listing price for 2024-09-01 was $474,548, a difference of $69,232 (17.1%) versus the prior year and $-10,704 versus the prior month.

For the 2024-09-01 period, Oneonta had 191 MLS listings, a difference of -4 listings (-2%) 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 1,866 sqft
2018-02-01 0 days 1,889 sqft
2018-03-01 0 days 1,899 sqft
2018-04-01 0 days 1,880 sqft
2018-05-01 0 days 1,875 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 1,872 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 1,849 sqft
2019-02-01 0 days 1,800 sqft
2019-03-01 0 days 1,840 sqft
2019-04-01 0 days 1,895 sqft
2019-05-01 0 days 1,893 sqft
2019-06-01 0 days 1,900 sqft
2019-07-01 0 days 1,901 sqft
2019-08-01 0 days 1,896 sqft
2019-09-01 0 days 1,898 sqft
2019-10-01 0 days 1,900 sqft
2019-11-01 0 days 1,880 sqft
2019-12-01 0 days 1,816 sqft
2020-01-01 0 days 1,822 sqft
2020-02-01 0 days 1,840 sqft
2020-03-01 0 days 1,863 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 1,998 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 1,905 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 1,869 sqft
2023-09-01 0 days 1,908 sqft
2023-10-01 0 days 1,860 sqft
2023-11-01 0 days 1,880 sqft
2023-12-01 0 days 1,892 sqft
2024-01-01 0 days 1,894 sqft
2024-02-01 0 days 1,894 sqft
2024-03-01 0 days 1,852 sqft
2024-04-01 0 days 1,838 sqft
2024-05-01 0 days 1,999 sqft
2024-06-01 0 days 1,960 sqft
2024-07-01 0 days 1,899 sqft
2024-08-01 0 days 1,906 sqft
2024-09-01 0 days 1,901 sqft
Oneonta's median listing age (time on market) for 2024-09-01 was 0 days.

Oneonta's median square footage for active listings during the 2024-09-01 period was 1,901 sqft. One year prior, the average listing was 1,908 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.