Plattsburgh Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Plattsburgh averaged 6.96% for the week of 2024-11-14, compared to the national average of 6.78% for the same period.

    The average rate for the prior week (2024-11-07) was 6.67% and one month ago for the week of 2024-10-10, the average rate was 6.1%.

    Plattsburgh's average rate one year ago was 7.68%.

    For refis of the same type during the week of 2024-11-14, the average rate was 7.28%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-14 6.78%
    Plattsburgh 30 Year Fixed Rate 2024-11-14 6.96%
    Plattsburgh 30 Year Fixed Rate Refi 2024-11-14 7.28%
    Plattsburgh 15 Year Fixed Rate 2024-11-14 5.99%
    Plattsburgh 15 Year Fixed Rate Refi 2024-11-14 5.99%
    Plattsburgh 30 Year FHA 2024-11-14 0.09%
    Plattsburgh 30 Year FHA Refi 2024-11-14 0.2%
    Plattsburgh 30 Year USDA 2024-11-14 0.1%
    Plattsburgh 30 Year USDA Refi 2024-11-14 0%
    Plattsburgh 30 Year VA 2024-11-14 0.1%
    Plattsburgh 30 Year VA Refi 2024-11-14 -0.1%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Plattsburgh, NY.

    Plattsburgh 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 Plattsburgh, 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 141 6.98% $731
    PARAGON HOME LOANS INC. 31 6.42% $3,769
    Glens Falls National Bank and Trust Company 24 5.71% $3,523
    ABSOLUTE HOME MORTGAGE CORPORATION 23 7.08% $4,695
    QUICKEN LOANS, LLC 23 7.06% $6,105
    TD Bank 9 6.62% $4,297
    SEFCU SERVICES, LLC 7 6.23% $3,485
    UNITED WHOLESALE MORTGAGE, LLC 5 6.47% $6,788
    KeyBank 4 6.75% $9,387
    NAVY FEDERAL CREDIT UNION 3 6.42% $4,325
    HOMESTEAD FUNDING CORP. 3 7.04% $3,208
    TOTAL MORTGAGE SERVICES, LLC 2 7.12% $7,100
    Farm Credit East, ACA 2 7.55% $6,177
    NBT Bank 2 6.31% $4,008
    Wells Fargo Bank 2 6.94% $3,506
    PENNYMAC LOAN SERVICES, LLC 2 6.56% $7,533
    M&T Bank 1 5.88% $4,029
    NBKC BANK 1 7.50% $5,162
    NORTHERN CREDIT UNION 1 6.38% $11,407
    Northwest Bank 1 6.25% $5,201
    PENTAGON FEDERAL CREDIT UNION 1 6.38% $3,873
    RBC Bank, (Georgia) 1 5.38% $3,077
    SUN WEST MORTGAGE COMPANY, INC. 1 5.87% $11,540
    USAA Federal Savings Bank 1 5.88% $7,237
    U.S. Bank 1 7.25% $5,999
    WALL STREET MORTGAGE BANKERS, LTD. 1 7.88% $11,594
    21ST MORTGAGE CORPORATION 1 8.40% $4,841
    Wilmington Savings Fund Society, FSB 1 7.25% $3,541
    Ally Bank 1 7.88% $4,940
    AMERICAN FINANCIAL NETWORK, INC. 1 7.38% $6,012
    AMERICAN FINANCIAL RESOURCES, INC. 1 5.88% $12,002
    Berkshire Bank 1 7.63% $5,663
    Citizens Bank 1 6.13% $6,436
    CMG MORTGAGE, INC. 1 6.75% $8,083
    CONTOUR MORTGAGE CORPORATION 1 6.63% $6,244
    CROSSCOUNTRY MORTGAGE, LLC 1 6.25% $7,355
    Discover Bank 1 6.24% $0
    Evolve Bank & Trust 1 7.63% $9,752
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.99% $4,680
    HUDSON VALLEY CREDIT UNION 1 7.63% $5,649
    JPMorgan Chase Bank 1 6.99% $4,809
    Mortgage Research Center, LLC 1 7.38% $4,826
    MOVEMENT MORTGAGE, LLC 1 6.50% $4,506

    Plattsburgh Average Closing Costs & Other Stats

    Plattsburgh, NY's 43 lenders originated 738 loans during 2023. The total origination value was $136,220,000, with an average loan value of $184,580.

    Plattsburgh's average closing costs are $4,487.

    The top Plattsburgh lender as defined by loan originations is Community Bank, with 141 loans originated. Their average total fees are $731, which is $3,039 lower than the next largest lender, PARAGON HOME LOANS INC..

    The lowest fee Plattsburgh lenders (with over 10 loans originated) are Community Bank ($731), Glens Falls National Bank and Trust Company ($3,523), PARAGON HOME LOANS INC. ($3,769), ABSOLUTE HOME MORTGAGE CORPORATION ($4,695) and QUICKEN LOANS, LLC ($6,105).

    The lowest rate Plattsburgh lenders (with over 10 loans originated) are Glens Falls National Bank and Trust Company (5.71%), PARAGON HOME LOANS INC. (6.42%), Community Bank (6.98%), QUICKEN LOANS, LLC (7.06%) and ABSOLUTE HOME MORTGAGE CORPORATION (7.08%).

    Plattsburgh, 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 $35,480,000 $39,285,000 10.7% 28.8%
    QUICKEN LOANS, LLC $16,070,000 $11,040,000 -31.3% 8.1%
    Glens Falls National Bank and Trust Company $14,580,000 $8,690,000 -40.4% 6.4%
    BMO Harris Bank $8,555,000 n/a 6.3%
    ABSOLUTE HOME MORTGAGE CORPORATION $430,000 $8,480,000 1,872.1% 6.2%
    PARAGON HOME LOANS INC. $14,060,000 $6,800,000 -51.6% 5.0%
    NBT Bank $4,595,000 $5,100,000 11.0% 3.7%
    Arbor Realty Trust, Inc. $4,505,000 n/a 3.3%
    TD Bank $9,135,000 $4,470,000 -51.1% 3.3%
    UNITED WHOLESALE MORTGAGE, LLC $3,910,000 $3,145,000 -19.6% 2.3%
    KeyBank $5,275,000 $2,800,000 -46.9% 2.1%
    Mortgage Research Center, LLC $2,590,000 $1,845,000 -28.8% 1.4%
    AMERICAN FINANCIAL RESOURCES, INC. $1,540,000 $1,585,000 2.9% 1.2%
    USAA Federal Savings Bank $1,235,000 $1,555,000 25.9% 1.1%
    SEFCU SERVICES, LLC $135,000 $1,520,000 1,025.9% 1.1%
    NBKC BANK $1,055,000 $1,285,000 21.8% 0.9%
    NAVY FEDERAL CREDIT UNION $3,245,000 $1,175,000 -63.8% 0.9%
    PENTAGON FEDERAL CREDIT UNION $1,095,000 n/a 0.8%
    Citizens Bank $1,885,000 $1,030,000 -45.4% 0.8%
    CROSSCOUNTRY MORTGAGE, LLC $15,735,000 $1,020,000 -93.5% 0.7%
    21ST MORTGAGE CORPORATION $755,000 $985,000 30.5% 0.7%
    Monson Savings Bank $975,000 n/a 0.7%
    PENNYMAC LOAN SERVICES, LLC $975,000 n/a 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $2,325,000 $945,000 -59.4% 0.7%
    PNC Bank $915,000 n/a 0.7%
    PLAZA HOME MORTGAGE, INC. $800,000 $875,000 9.4% 0.6%
    RELIANCE FIRST CAPITAL, LLC $485,000 $760,000 56.7% 0.6%
    HOMESTEAD FUNDING CORP. $2,110,000 $710,000 -66.4% 0.5%
    NORTHERN CREDIT UNION $265,000 $705,000 166.0% 0.5%
    Discover Bank $305,000 $670,000 119.7% 0.5%
    Barrington Bank & Trust Company, N.A. $125,000 $595,000 376.0% 0.4%
    TOTAL MORTGAGE SERVICES, LLC $560,000 n/a 0.4%
    M&T Bank $850,000 $535,000 -37.1% 0.4%
    The Federal Savings Bank $570,000 $530,000 -7.0% 0.4%
    Farm Credit East, ACA $270,000 $520,000 92.6% 0.4%
    Bank of England $190,000 $515,000 171.1% 0.4%
    UTILITIES EMPLOYEES CREDIT UNION $350,000 $500,000 42.9% 0.4%
    JPMorgan Chase Bank $980,000 $390,000 -60.2% 0.3%
    GUARANTEED RATE, INC. $645,000 $370,000 -42.6% 0.3%
    Carrington Mortgage Services, LLC $895,000 $360,000 -59.8% 0.3%
    Wells Fargo Bank $2,400,000 $335,000 -86.0% 0.2%
    Northwest Bank $325,000 n/a 0.2%
    CREDIT HUMAN FEDERAL CREDIT UNION $315,000 n/a 0.2%
    U.S. Bank $735,000 $300,000 -59.2% 0.2%
    Adirondack Bank $940,000 $275,000 -70.7% 0.2%
    WALL STREET MORTGAGE BANKERS, LTD. $275,000 n/a 0.2%
    SUN WEST MORTGAGE COMPANY, INC. $265,000 n/a 0.2%
    Evolve Bank & Trust $265,000 $255,000 -3.8% 0.2%
    Wilmington Savings Fund Society, FSB $245,000 n/a 0.2%
    MOVEMENT MORTGAGE, LLC $195,000 $240,000 23.1% 0.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $230,000 n/a 0.2%
    CMG MORTGAGE, INC. $225,000 n/a 0.2%
    FINANCE OF AMERICA REVERSE LLC $225,000 n/a 0.2%
    RBC Bank, (Georgia) $225,000 n/a 0.2%
    NEWREZ LLC $565,000 $190,000 -66.4% 0.1%
    Berkshire Bank $185,000 n/a 0.1%
    HUDSON VALLEY CREDIT UNION $180,000 n/a 0.1%
    North American Savings Bank, F.S.B. $175,000 n/a 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $155,000 n/a 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $155,000 n/a 0.1%
    FREEDOM MORTGAGE CORPORATION $1,215,000 $145,000 -88.1% 0.1%
    STATE EMPLOYEES FEDERAL CREDIT UNION $130,000 n/a 0.1%
    Ally Bank $125,000 n/a 0.1%
    Flagstar Bank, FSB $420,000 $115,000 -72.6% 0.1%
    LOANDEPOT.COM, LLC $2,520,000 $115,000 -95.4% 0.1%
    TCT $115,000 n/a 0.1%
    TRIAD FINANCIAL SERVICES, INC. $115,000 n/a 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $105,000 n/a 0.1%
    Byline Bank $105,000 n/a 0.1%
    CONTOUR MORTGAGE CORPORATION $105,000 n/a 0.1%
    United States Senate Federal Credit Union $105,000 n/a 0.1%
    Bank of America $1,015,000 $100,000 -90.1% 0.1%
    Signature Federal Credit Union $95,000 n/a 0.1%
    Saratoga National Bank and Trust Company $85,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $220,000 $65,000 -70.5% 0.0%
    AMERICU Credit Union $15,000 n/a 0.0%

    Plattsburgh's top lender by overall market share is Community Bank, with 28.8% market share. In second place, with 8.1%, is QUICKEN LOANS, LLC, having originated $11,040,000 in loans. In third place, with 6.4%, is Glens Falls National Bank and Trust Company, having originated $8,690,000 in loans. In fourth place, with 6.3%, is BMO Harris Bank, having originated $8,555,000 in loans. In fifth place, with 6.2%, is ABSOLUTE HOME MORTGAGE CORPORATION, having originated $8,480,000 in loans.

    Plattsburgh Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Plattsburgh (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 $138,675 (-12.2%) $201,199 (-2.4%) 0.00 231
    2018-02-01 $139,900 (-8.1%) $206,617 (1.5%) 0.00 224
    2018-03-01 $154,900 (3.4%) $219,828 (9.4%) 0.00 221
    2018-04-01 $161,875 (8.6%) $233,205 (11.6%) 0.00 234
    2018-05-01 $169,925 (12.1%) $241,253 (7.7%) 0.00 250
    2018-06-01 $172,400 (6.1%) $242,173 (5.7%) 0.00 280
    2018-07-01 $179,900 (12.5%) $245,225 (9.4%) 0.00 288
    2018-08-01 $179,925 (12.5%) $245,997 (9.0%) 0.00 285
    2018-09-01 $175,000 (9.7%) $241,870 (11.1%) 0.00 269
    2018-10-01 $166,000 (4.2%) $238,755 (12.8%) 0.00 263
    2018-11-01 $172,325 (18.9%) $239,035 (16.7%) 0.00 237
    2018-12-01 $159,900 (14.3%) $219,647 (9.1%) 0.00 207
    2019-01-01 $158,000 (13.9%) $220,760 (9.7%) 0.00 180
    2019-02-01 $159,900 (14.3%) $222,477 (7.7%) 0.00 173
    2019-03-01 $160,371 (3.5%) $224,273 (2.0%) 0.00 169
    2019-04-01 $160,921 (-0.6%) $225,011 (-3.5%) 0.00 167
    2019-05-01 $169,950 (0.0%) $226,101 (-6.3%) 0.00 197
    2019-06-01 $169,900 (-1.5%) $229,341 (-5.3%) 0.00 237
    2019-07-01 $189,000 (5.1%) $240,684 (-1.9%) 0.00 268
    2019-08-01 $188,536 (4.8%) $235,525 (-4.3%) 0.00 277
    2019-09-01 $186,491 (6.6%) $234,251 (-3.2%) 0.00 272
    2019-10-01 $184,900 (11.4%) $233,252 (-2.3%) 0.00 260
    2019-11-01 $169,900 (-1.4%) $231,188 (-3.3%) 0.00 234
    2019-12-01 $167,450 (4.7%) $234,959 (7.0%) 0.00 194
    2020-01-01 $154,375 (-2.3%) $218,555 (-1.0%) 0.00 171
    2020-02-01 $159,450 (-0.3%) $226,183 (1.7%) 0.00 157
    2020-03-01 $189,675 (18.3%) $241,560 (7.7%) 0.00 169
    2020-04-01 $192,175 (19.4%) $242,578 (7.8%) 0.00 172
    2020-05-01 $189,000 (11.2%) $247,938 (9.7%) 0.00 152
    2020-06-01 $189,450 (11.5%) $244,837 (6.8%) 0.00 160
    2020-07-01 $200,000 (5.8%) $260,767 (8.3%) 0.00 166
    2020-08-01 $205,000 (8.7%) $263,833 (12.0%) 0.00 164
    2020-09-01 $201,200 (7.9%) $264,597 (13.0%) 0.00 171
    2020-10-01 $190,950 (3.3%) $262,285 (12.5%) 0.00 166
    2020-11-01 $192,175 (13.1%) $261,992 (13.3%) 0.00 163
    2020-12-01 $194,225 (16.0%) $260,107 (10.7%) 0.00 150
    2021-01-01 $189,000 (22.4%) $251,708 (15.2%) 0.00 133
    2021-02-01 $175,625 (10.1%) $238,784 (5.6%) 0.00 118
    2021-03-01 $201,375 (6.2%) $265,237 (9.8%) 0.00 94
    2021-04-01 $225,750 (17.5%) $285,342 (17.6%) 0.00 86
    2021-05-01 $239,000 (26.5%) $292,609 (18.0%) 0.00 86
    2021-06-01 $249,900 (31.9%) $292,594 (19.5%) 0.00 105
    2021-07-01 $230,000 (15.0%) $277,144 (6.3%) 0.00 110
    2021-08-01 $232,425 (13.4%) $263,006 (-0.3%) 0.00 106
    2021-09-01 $222,881 (10.8%) $244,483 (-7.6%) 0.00 102
    2021-10-01 $204,975 (7.3%) $260,171 (-0.8%) 0.00 102
    2021-11-01 $189,975 (-1.2%) $234,987 (-10.3%) 0.00 101
    2021-12-01 $189,925 (-2.2%) $224,896 (-13.5%) 0.00 89
    2022-01-01 $182,950 (-3.2%) $212,545 (-15.6%) 0.00 90
    2022-02-01 $191,700 (9.2%) $214,981 (-10.0%) 0.00 71
    2022-03-01 $188,450 (-6.4%) $209,525 (-21.0%) 0.00 67
    2022-04-01 $178,000 (-21.2%) $209,370 (-26.6%) 0.00 64
    2022-05-01 $197,200 (-17.5%) $247,650 (-15.4%) 0.00 81
    2022-06-01 $218,000 (-12.8%) $261,978 (-10.5%) 0.00 113
    2022-07-01 $219,363 (-4.6%) $267,004 (-3.7%) 0.00 128
    2022-08-01 $223,313 (-3.9%) $276,650 (5.2%) 0.00 121
    2022-09-01 $201,200 (-9.7%) $273,948 (12.1%) 0.00 111
    2022-10-01 $204,500 (-0.2%) $264,184 (1.5%) 0.00 111
    2022-11-01 $184,950 (-2.6%) $245,538 (4.5%) 0.00 101
    2022-12-01 $174,900 (-7.9%) $222,916 (-0.9%) 0.00 90
    2023-01-01 $182,498 (-0.3%) $225,298 (6.0%) 0.00 89
    2023-02-01 $182,425 (-4.8%) $230,622 (7.3%) 0.00 89
    2023-03-01 $219,306 (16.4%) $255,944 (22.2%) 0.00 83
    2023-04-01 $237,500 (33.4%) $271,604 (29.7%) 0.00 78
    2023-05-01 $238,900 (21.2%) $297,915 (20.3%) 0.00 91
    2023-06-01 $249,000 (14.2%) $299,077 (14.2%) 0.00 101
    2023-07-01 $235,000 (7.1%) $289,170 (8.3%) 0.00 120
    2023-08-01 $226,900 (1.6%) $289,084 (4.5%) 0.00 125
    2023-09-01 $225,000 (11.8%) $276,695 (1.0%) 0.00 120
    2023-10-01 $238,675 (16.7%) $284,636 (7.7%) 0.00 132
    2023-11-01 $239,925 (29.7%) $286,591 (16.7%) 0.00 116
    2023-12-01 $245,000 (40.1%) $302,758 (35.8%) 0.00 111
    2024-01-01 $239,950 (31.5%) $297,744 (32.2%) 0.00 100
    2024-02-01 $248,950 (36.5%) $302,437 (31.1%) 0.00 95
    2024-03-01 $269,950 (23.1%) $303,079 (18.4%) 0.00 88
    2024-04-01 $261,075 (9.9%) $297,693 (9.6%) 0.00 89
    2024-05-01 $257,500 (7.8%) $299,317 (0.5%) 0.00 94
    2024-06-01 $249,900 (0.4%) $317,791 (6.3%) 0.00 113
    2024-07-01 $247,450 (5.3%) $313,084 (8.3%) 0.00 129
    2024-08-01 $239,000 (5.3%) $297,958 (3.1%) 0.00 148
    2024-09-01 $231,875 (3.1%) $307,411 (11.1%) 0.00 149
    2024-10-01 $229,250 (-4.0%) $311,725 (9.5%) 0.00 149
    Plattsburgh's median listing price for 2024-10-01 was $229,250, a difference of $-9,425 (-4.0%) versus the prior year and $-2,625 versus the prior month.

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

    Plattsburgh's average listing price for 2024-10-01 was $311,725, a difference of $27,089 (9.5%) versus the prior year and $4,314 versus the prior month.

    For the 2024-10-01 period, Plattsburgh had 149 MLS listings, a difference of 0 listings (0%) versus the prior month and 17 listings (13%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Plattsburgh (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,620 sqft
    2018-02-01 0 days 1,625 sqft
    2018-03-01 0 days 1,639 sqft
    2018-04-01 0 days 1,690 sqft
    2018-05-01 0 days 1,704 sqft
    2018-06-01 0 days 1,732 sqft
    2018-07-01 0 days 1,755 sqft
    2018-08-01 0 days 1,747 sqft
    2018-09-01 0 days 1,745 sqft
    2018-10-01 0 days 1,742 sqft
    2018-11-01 0 days 1,780 sqft
    2018-12-01 0 days 1,739 sqft
    2019-01-01 0 days 1,740 sqft
    2019-02-01 0 days 1,705 sqft
    2019-03-01 0 days 1,724 sqft
    2019-04-01 0 days 1,724 sqft
    2019-05-01 0 days 1,711 sqft
    2019-06-01 0 days 1,659 sqft
    2019-07-01 0 days 1,713 sqft
    2019-08-01 0 days 1,717 sqft
    2019-09-01 0 days 1,711 sqft
    2019-10-01 0 days 1,707 sqft
    2019-11-01 0 days 1,700 sqft
    2019-12-01 0 days 1,701 sqft
    2020-01-01 0 days 1,644 sqft
    2020-02-01 0 days 1,652 sqft
    2020-03-01 0 days 1,800 sqft
    2020-04-01 0 days 1,821 sqft
    2020-05-01 0 days 1,782 sqft
    2020-06-01 0 days 1,736 sqft
    2020-07-01 0 days 1,740 sqft
    2020-08-01 0 days 1,750 sqft
    2020-09-01 0 days 1,747 sqft
    2020-10-01 0 days 1,712 sqft
    2020-11-01 0 days 1,746 sqft
    2020-12-01 0 days 1,742 sqft
    2021-01-01 0 days 1,669 sqft
    2021-02-01 0 days 1,690 sqft
    2021-03-01 0 days 1,728 sqft
    2021-04-01 0 days 1,818 sqft
    2021-05-01 0 days 1,886 sqft
    2021-06-01 0 days 1,801 sqft
    2021-07-01 0 days 1,815 sqft
    2021-08-01 0 days 1,779 sqft
    2021-09-01 0 days 1,798 sqft
    2021-10-01 0 days 1,728 sqft
    2021-11-01 0 days 1,670 sqft
    2021-12-01 0 days 1,670 sqft
    2022-01-01 0 days 1,666 sqft
    2022-02-01 0 days 1,672 sqft
    2022-03-01 0 days 1,615 sqft
    2022-04-01 0 days 1,536 sqft
    2022-05-01 0 days 1,581 sqft
    2022-06-01 0 days 1,637 sqft
    2022-07-01 0 days 1,699 sqft
    2022-08-01 0 days 1,715 sqft
    2022-09-01 0 days 1,659 sqft
    2022-10-01 0 days 1,614 sqft
    2022-11-01 0 days 1,633 sqft
    2022-12-01 0 days 1,554 sqft
    2023-01-01 0 days 1,563 sqft
    2023-02-01 0 days 1,577 sqft
    2023-03-01 0 days 1,713 sqft
    2023-04-01 0 days 1,708 sqft
    2023-05-01 0 days 1,780 sqft
    2023-06-01 0 days 1,835 sqft
    2023-07-01 0 days 1,835 sqft
    2023-08-01 0 days 1,676 sqft
    2023-09-01 0 days 1,609 sqft
    2023-10-01 0 days 1,715 sqft
    2023-11-01 0 days 1,748 sqft
    2023-12-01 0 days 1,800 sqft
    2024-01-01 0 days 1,790 sqft
    2024-02-01 0 days 1,637 sqft
    2024-03-01 0 days 1,684 sqft
    2024-04-01 0 days 1,713 sqft
    2024-05-01 0 days 1,761 sqft
    2024-06-01 0 days 1,645 sqft
    2024-07-01 0 days 1,636 sqft
    2024-08-01 0 days 1,633 sqft
    2024-09-01 0 days 1,698 sqft
    2024-10-01 0 days 1,684 sqft
    Plattsburgh's median listing age (time on market) for 2024-10-01 was 0 days.

    Plattsburgh's median square footage for active listings during the 2024-10-01 period was 1,684 sqft. One year prior, the average listing was 1,715 sqft.

    Plattsburgh, NY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 461 $99,365,000 $215,542
    Home Improvement 112 $9,450,000 $84,375
    Cash Out Refi 62 $15,400,000 $248,387
    Refi 58 $7,430,000 $128,103
    Other 45 $4,575,000 $101,667

    Plattsburgh's most frequently cited loan purpose was Home Purchase, with 461 originations. The 2nd most popular reason was Home Improvement, with 112 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 271 $59,425,000 $219,280
    7-8% 195 $32,035,000 $164,282
    5-6% 99 $24,965,000 $252,172
    Over 8% 93 $7,555,000 $81,237
    3-4% 27 $2,805,000 $103,889
    <2.5% 27 $3,195,000 $118,333
    4-5% 22 $3,590,000 $163,182
    2.5-3% 1 $125,000 $125,000

    During 2023, Plattsburgh's most frequently originated rate bucket was 6-7%, with 271 originations.

    Loan Sizing (Plattsburgh, NY MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 331 $49,135,000 $148,444
    $100,000 or less 200 $11,980,000 $59,900
    $200k-400k 183 $48,675,000 $265,984
    $400k-600k 16 $7,580,000 $473,750
    $600k-1000k 4 $3,350,000 $837,500
    $Over $1MM 4 $15,500,000 $3,875,000

    Plattsburgh's loan sizing saw the bucket of loans from $100k-200k with 331 originations, totaling $49,135,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 366 $72,840,000 $199,016
    60-80% 147 $40,985,000 $278,810
    20-40% 86 $6,700,000 $77,907
    40-60% 67 $9,075,000 $135,448
    Under 20% 64 $2,950,000 $46,094
    Over 100% 4 $1,030,000 $257,500

    Plattsburgh's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 366 originations, totaling $72,840,000 in origination value.