Plattsburgh Mortgage Rates

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

30 Year Fixed Rate mortgages in Plattsburgh averaged 5.93% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 5.94% and one month ago for the week of 2022-05-26, the average rate was 5.53%.

Plattsburgh's average rate one year ago was 3.18%.

For refis of the same type during the week of 2022-06-30, the average rate was 6.34%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Plattsburgh 30 Year Fixed Rate 2022-06-30 5.93%
Plattsburgh 30 Year Fixed Rate Refi 2022-06-30 6.34%
Plattsburgh 15 Year Fixed Rate 2022-06-30 5.19%
Plattsburgh 15 Year Fixed Rate Refi 2022-06-30 5.1%
Plattsburgh 30 Year FHA 2022-06-30 5.94%
Plattsburgh 30 Year FHA Refi 2022-06-30 5.97%
Plattsburgh 30 Year USDA 2022-06-30 5.53%
Plattsburgh 30 Year USDA Refi 2022-06-30 4.97%
Plattsburgh 30 Year VA 2022-06-30 5.7%
Plattsburgh 30 Year VA Refi 2022-06-30 5.43%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Community Bank 121 3.45% $1,073
PARAGON HOME LOANS INC. 86 3.03% $3,299
QUICKEN LOANS, LLC 81 3.15% $5,523
CROSSCOUNTRY MORTGAGE, LLC 80 3.32% $4,321
Glens Falls National Bank and Trust Company 31 3.34% $4,506
TD Bank 27 3.21% $3,937
KeyBank 24 3.04% $3,024
Wells Fargo Bank 14 3.28% $4,079
UNITED WHOLESALE MORTGAGE, LLC 11 2.83% $5,234
Mr. Cooper ( Nationstar Mortgage ) 8 3.44% $5,106
NBT Bank 8 3.02% $3,562
HOMESTEAD FUNDING CORP. 7 3.39% $4,468
JPMorgan Chase Bank 7 3.16% $4,048
MLB RESIDENTIAL LENDING, LLC 5 3.12% $5,730
CCFCU FUNDING, LLC 4 3.19% $3,158
SEFCU SERVICES, LLC 4 2.94% $3,146
INLAND BANK & TRUST 3 3.54% $4,265
Citizens Bank 3 3.21% $3,924
Manufacturers and Traders Trust Company 3 3.42% $5,095
NAVY FEDERAL CREDIT UNION 2 3.44% $2,732
Bank of America 2 3.38% $4,469
BETTER MORTGAGE CORPORATION 2 3.19% $3,334
PLAZA HOME MORTGAGE, INC. 2 3.44% $4,915
Nations Lending Corporation 2 3.63% $5,393
U.S. Bank 2 2.99% $3,908
RBC Bank, (Georgia) 2 3.06% $2,675
NEWREZ LLC 2 3.00% $6,730
21ST MORTGAGE CORPORATION 1 6.05% $6,227
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 3.38% $4,262
Citibank 1 3.00% $4,735
LOANDEPOT.COM, LLC 1 3.00% $3,833
Adirondack Bank 1 3.25% $4,202
Carrington Mortgage Services, LLC 1 3.00% $2,967
CALIBER HOME LOANS, INC. 1 2.75% $2,657
NATIONWIDE MORTGAGE BANKERS, INC. 1 3.50% $6,642
NBH Bank 1 3.13% $6,590
NBKC BANK 1 3.25% $2,544
BOND STREET MORTGAGE, LLC 1 3.25% $5,016
NORTHERN CREDIT UNION 1 3.13% $4,443
Baxter Credit Union 1 3.50% $3,721
RELIANCE FIRST CAPITAL, LLC 1 4.13% $6,300
ROYAL UNITED MORTGAGE LLC 1 4.13% $4,939
AMERICAN FINANCING CORPORATION 1 3.25% $3,401
UNIFY FINANCIAL Credit Union 1 3.13% $1,902
AMERICAN FINANCIAL NETWORK, INC. 1 3.75% $19,841
US MORTGAGE CORPORATION 1 3.63% $5,462
FINANCE OF AMERICA MORTGAGE LLC 1 3.38% $4,890
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 2.88% $5,579
Flagstar Bank, FSB 1 2.72% $6,115
FREEDOM MORTGAGE CORPORATION 1 2.99% $5,300
Genesee Regional Bank 1 3.88% $3,453
EMBRACE HOME LOANS, INC. 1 2.99% $4,889
DIGITAL Federal Credit Union 1 2.63% $8,012
HSBC BANK USA, NATIONAL ASSOCIATION 1 2.59% $4,588
HUDSON VALLEY CREDIT UNION 1 3.13% $3,151

Plattsburgh, NY's 55 lenders originated 1,572 loans during 2021. The total origination value was $263,140,000, with an average loan value of $167,392.

The top Plattsburgh lender as defined by loan originations is Community Bank, with 121 loans originated. Their average total fees are $1,073, which is $2,226 lower than the next largest lender, PARAGON HOME LOANS INC..

The lowest fee Plattsburgh lenders (with over 10 loans originated) are Community Bank ($1,073), KeyBank ($3,024), PARAGON HOME LOANS INC. ($3,299), TD Bank ($3,937) and Wells Fargo Bank ($4,079).

The lowest rate Plattsburgh lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (2.83%), PARAGON HOME LOANS INC. (3.03%), KeyBank (3.04%), QUICKEN LOANS, LLC (3.15%) and TD Bank (3.21%).

Plattsburgh, NY Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
Community Bank $26,650,000 $40,830,000 53.2% 15.5%
QUICKEN LOANS, LLC $33,035,000 $40,210,000 21.7% 15.3%
CROSSCOUNTRY MORTGAGE, LLC $31,895,000 $32,610,000 2.2% 12.4%
PARAGON HOME LOANS INC. $28,610,000 $27,365,000 -4.4% 10.4%
Glens Falls National Bank and Trust Company $16,875,000 $22,330,000 32.3% 8.5%
KeyBank $11,275,000 $13,465,000 19.4% 5.1%
NBT Bank $6,190,000 $7,745,000 25.1% 2.9%
TD Bank $5,170,000 $7,140,000 38.1% 2.7%
FREEDOM MORTGAGE CORPORATION $3,625,000 $6,025,000 66.2% 2.3%
Wells Fargo Bank $2,725,000 $4,795,000 76.0% 1.8%
UNITED WHOLESALE MORTGAGE, LLC $3,360,000 $4,715,000 40.3% 1.8%
Mr. Cooper ( Nationstar Mortgage ) $4,005,000 $4,360,000 8.9% 1.7%
MLB RESIDENTIAL LENDING, LLC $4,375,000 $3,710,000 -15.2% 1.4%
NEWREZ LLC $320,000 $3,185,000 895.3% 1.2%
Manufacturers and Traders Trust Company $1,310,000 $2,455,000 87.4% 0.9%
Mortgage Research Center, LLC $1,740,000 $2,445,000 40.5% 0.9%
Citizens Bank $1,885,000 $2,240,000 18.8% 0.9%
CCFCU FUNDING, LLC $3,670,000 $2,175,000 -40.7% 0.8%
USAA Federal Savings Bank $2,540,000 $2,165,000 -14.8% 0.8%
HOMESTEAD FUNDING CORP. $850,000 $2,080,000 144.7% 0.8%
JPMorgan Chase Bank $1,270,000 $2,050,000 61.4% 0.8%
NAVY FEDERAL CREDIT UNION $1,810,000 $1,990,000 9.9% 0.8%
Barrington Bank & Trust Company, N.A. $725,000 $1,375,000 89.7% 0.5%
21ST MORTGAGE CORPORATION $1,075,000 $1,350,000 25.6% 0.5%
LOANDEPOT.COM, LLC $2,800,000 $1,175,000 -58.0% 0.4%
Flagstar Bank, FSB $290,000 $1,165,000 301.7% 0.4%
SEFCU SERVICES, LLC $245,000 $1,155,000 371.4% 0.4%
PLAZA HOME MORTGAGE, INC. $580,000 $1,015,000 75.0% 0.4%
AMERICAN FINANCIAL RESOURCES, INC. $775,000 $965,000 24.5% 0.4%
NORTHERN CREDIT UNION $955,000 n/a 0.4%
Carrington Mortgage Services, LLC $715,000 $915,000 28.0% 0.3%
Bank of America $930,000 $845,000 -9.1% 0.3%
OWNERSCHOICE FUNDING, INCORPORATED $950,000 $845,000 -11.1% 0.3%
BETTER MORTGAGE CORPORATION $125,000 $800,000 540.0% 0.3%
Adirondack Bank $890,000 $780,000 -12.4% 0.3%
INLAND BANK & TRUST $745,000 n/a 0.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $290,000 $690,000 137.9% 0.3%
HSBC BANK USA, NATIONAL ASSOCIATION $320,000 $675,000 110.9% 0.3%
First Federal Bank $265,000 $635,000 139.6% 0.2%
CALIBER HOME LOANS, INC. $620,000 n/a 0.2%
NBH Bank $545,000 n/a 0.2%
U.S. Bank $495,000 n/a 0.2%
CAPITAL COMMUNICATIONS Federal Credit Union $275,000 $440,000 60.0% 0.2%
EMBRACE HOME LOANS, INC. $265,000 $395,000 49.1% 0.2%
Baxter Credit Union $385,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $380,000 n/a 0.1%
Rondout Savings Bank $365,000 n/a 0.1%
NBKC BANK $350,000 n/a 0.1%
North American Savings Bank, F.S.B. $430,000 $315,000 -26.7% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $85,000 $310,000 264.7% 0.1%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $295,000 n/a 0.1%
RBC Bank, (Georgia) $795,000 $290,000 -63.5% 0.1%
Berkshire Bank $275,000 n/a 0.1%
First National Bank of Omaha $265,000 n/a 0.1%
Paramount Bank $275,000 $265,000 -3.6% 0.1%
ROYAL UNITED MORTGAGE LLC $75,000 $260,000 246.7% 0.1%
UTILITIES EMPLOYEES CREDIT UNION $260,000 n/a 0.1%
Nations Lending Corporation $250,000 n/a 0.1%
AMERICAN FINANCIAL NETWORK, INC. $245,000 n/a 0.1%
BOND STREET MORTGAGE, LLC $235,000 n/a 0.1%
HARTFORD FUNDING, LTD. $225,000 n/a 0.1%
HOME POINT FINANCIAL CORPORATION $375,000 $225,000 -40.0% 0.1%
InterContinental Capital Group, Inc $580,000 $225,000 -61.2% 0.1%
DIGITAL Federal Credit Union $215,000 n/a 0.1%
HUDSON VALLEY CREDIT UNION $215,000 $205,000 -4.7% 0.1%
Citibank $170,000 $195,000 14.7% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $175,000 n/a 0.1%
Equity Prime Mortgage LLC $165,000 n/a 0.1%
UNIFY FINANCIAL Credit Union $165,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $125,000 $150,000 20.0% 0.1%
Bank of England $1,250,000 $145,000 -88.4% 0.1%
FAMILY FIRST FUNDING LLC $145,000 n/a 0.1%
Northpointe Bank $145,000 n/a 0.1%
Premium Mortgage Corporation $145,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $440,000 $145,000 -67.0% 0.1%
SUNMARK FEDERAL CREDIT UNION $145,000 n/a 0.1%
NATIONWIDE MORTGAGE BANKERS, INC. $125,000 n/a 0.0%
Centier Bank $115,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $1,035,000 $115,000 -88.9% 0.0%
US MORTGAGE CORPORATION $115,000 n/a 0.0%
PNC Bank $105,000 n/a 0.0%
United States Senate Federal Credit Union $105,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $140,000 $85,000 -39.3% 0.0%
Genesee Regional Bank $85,000 n/a 0.0%
STAR USA FEDERAL CREDIT UNION $65,000 n/a 0.0%

Plattsburgh's top lender by overall market share is Community Bank, with 15.5% market share. In second place, with 15.3%, is QUICKEN LOANS, LLC, having originated $40,210,000 in loans. In third place, with 12.4%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $32,610,000 in loans. In third place, with 10.4%, is PARAGON HOME LOANS INC., having originated $27,365,000 in loans. In third place, with 8.5%, is Glens Falls National Bank and Trust Company, having originated $22,330,000 in loans.


Plattsburgh, NY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 696 $135,800,000 $195,115
Refi 558 $83,960,000 $150,466
Cash Out Refi 212 $35,130,000 $165,708
Home Improvement 61 $4,175,000 $68,443
Other 45 $4,075,000 $90,556

Plattsburgh's most frequently cited loan purpose was Home Purchase, with 696 originations. The 2nd most popular reason was Refi, with 558 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 665 $115,345,000 $173,451
2.5-3% 588 $99,390,000 $169,031
<2.5% 233 $40,085,000 $172,039
4-5% 47 $4,915,000 $104,574
5-6% 16 $1,440,000 $90,000
6-7% 8 $670,000 $83,750
7-8% 7 $405,000 $57,857
Over 8% 7 $525,000 $75,000

During 2021, Plattsburgh's most frequently originated rate bucket was 3-4%, with 665 originations.

Loan Sizing (Plattsburgh, NY MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 859 $124,835,000 $145,326
$200k-400k 360 $92,320,000 $256,444
$100,000 or less 324 $22,440,000 $69,259
$400k-600k 18 $8,240,000 $457,778
$600k-1000k 6 $4,340,000 $723,333
$Over $1MM 5 $10,965,000 $2,193,000

Plattsburgh's loan sizing saw the bucket of loans from $100k-200k with 859 originations, totaling $124,835,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 672 $121,520,000 $180,833
60-80% 524 $96,430,000 $184,027
40-60% 203 $25,845,000 $127,315
20-40% 92 $9,690,000 $105,326
Under 20% 44 $2,020,000 $45,909
Over 100% 14 $3,010,000 $215,000

Plattsburgh's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 672 originations, totaling $121,520,000 in origination value.


Market Conditions (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 $139,450 (-16.8%) $212,174 (-1.5%) 0.00 224
2018-02-01 $148,500 (-5.4%) $211,755 (-4.4%) 0.00 216
2018-03-01 $164,000 (4.8%) $227,592 (4.0%) 0.00 208
2018-04-01 $169,900 (9.6%) $243,335 (7.4%) 0.00 217
2018-05-01 $180,000 (6.5%) $251,441 (2.7%) 0.00 233
2018-06-01 $181,000 (5.2%) $252,226 (0.9%) 0.00 264
2018-07-01 $187,450 (10.3%) $251,723 (3.6%) 0.00 278
2018-08-01 $189,500 (11.5%) $253,151 (4.1%) 0.00 277
2018-09-01 $179,900 (7.7%) $249,541 (5.9%) 0.00 258
2018-10-01 $175,000 (7.8%) $246,902 (9.2%) 0.00 250
2018-11-01 $180,000 (20.9%) $246,074 (11.1%) 0.00 226
2018-12-01 $165,000 (13.9%) $227,058 (6.4%) 0.00 200
2019-01-01 $159,900 (14.7%) $225,963 (6.5%) 0.00 174
2019-02-01 $160,000 (7.7%) $228,946 (8.1%) 0.00 166
2019-03-01 $168,143 (2.5%) $231,056 (1.5%) 0.00 160
2019-04-01 $179,000 (5.4%) $232,008 (-4.7%) 0.00 158
2019-05-01 $180,500 (0.3%) $233,728 (-7.0%) 0.00 188
2019-06-01 $179,900 (-0.6%) $234,349 (-7.1%) 0.00 226
2019-07-01 $192,400 (2.6%) $245,752 (-2.4%) 0.00 257
2019-08-01 $192,143 (1.4%) $237,135 (-6.3%) 0.00 273
2019-09-01 $185,893 (3.3%) $233,709 (-6.3%) 0.00 270
2019-10-01 $189,250 (8.1%) $238,219 (-3.5%) 0.00 249
2019-11-01 $178,000 (-1.1%) $238,492 (-3.1%) 0.00 223
2019-12-01 $173,950 (5.4%) $241,961 (6.6%) 0.00 181
2020-01-01 $159,450 (-0.3%) $227,801 (0.8%) 0.00 158
2020-02-01 $160,000 (0.0%) $233,893 (2.2%) 0.00 150
2020-03-01 $204,450 (21.6%) $248,412 (7.5%) 0.00 161
2020-04-01 $199,450 (11.4%) $248,528 (7.1%) 0.00 165
2020-05-01 $189,000 (4.7%) $255,474 (9.3%) 0.00 146
2020-06-01 $196,000 (9.0%) $251,527 (7.3%) 0.00 154
2020-07-01 $207,500 (7.9%) $265,936 (8.2%) 0.00 157
2020-08-01 $205,000 (6.7%) $266,198 (12.3%) 0.00 158
2020-09-01 $202,500 (8.9%) $276,292 (18.2%) 0.00 163
2020-10-01 $194,999 (3.0%) $273,393 (14.8%) 0.00 159
2020-11-01 $194,450 (9.2%) $266,440 (11.7%) 0.00 156
2020-12-01 $199,000 (14.4%) $265,055 (9.5%) 0.00 142
2021-01-01 $189,900 (19.1%) $255,559 (12.2%) 0.00 123
2021-02-01 $174,500 (9.1%) $239,782 (2.5%) 0.00 112
2021-03-01 $209,250 (2.4%) $269,329 (8.4%) 0.00 87
2021-04-01 $231,950 (16.3%) $292,593 (17.7%) 0.00 79
2021-05-01 $244,000 (29.1%) $296,035 (15.9%) 0.00 79
2021-06-01 $249,950 (27.5%) $302,093 (20.1%) 0.00 95
2021-07-01 $244,500 (17.8%) $289,837 (9.0%) 0.00 99
2021-08-01 $237,000 (15.6%) $268,270 (0.8%) 0.00 98
2021-09-01 $229,900 (13.5%) $249,883 (-9.6%) 0.00 93
2021-10-01 $199,900 (2.5%) $264,583 (-3.2%) 0.00 93
2021-11-01 $189,950 (-2.3%) $238,455 (-10.5%) 0.00 93
2021-12-01 $192,450 (-3.3%) $229,378 (-13.5%) 0.00 81
2022-01-01 $189,000 (-0.5%) $219,153 (-14.3%) 0.00 82
2022-02-01 $212,450 (21.8%) $218,971 (-8.7%) 0.00 64
2022-03-01 $204,000 (-2.5%) $214,066 (-20.5%) 0.00 60
2022-04-01 $179,000 (-22.8%) $210,227 (-28.2%) 0.00 62
2022-05-01 $189,500 (-22.3%) $247,803 (-16.3%) 0.00 80
2022-06-01 $221,813 (-11.3%) $262,640 (-13.1%) 0.00 111
Plattsburgh's median listing price for 2022-06-01 was $221,813, a difference of $-28,137 (-11.3%) versus the prior year and $32,313 versus the prior month.

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

Plattsburgh's average listing price for 2022-06-01 was $262,640, a difference of $-39,453 (-13.1%) versus the prior year and $14,837 versus the prior month.

For the 2022-06-01 period, Plattsburgh had 111 MLS listings, a difference of 31 listings (39%) versus the prior month and 16 listings (17%) 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 1,625 sqft
2018-02-01 0 days 1,636 sqft
2018-03-01 0 days 1,670 sqft
2018-04-01 0 days 1,717 sqft
2018-05-01 0 days 1,757 sqft
2018-06-01 0 days 1,780 sqft
2018-07-01 0 days 1,785 sqft
2018-08-01 0 days 1,790 sqft
2018-09-01 0 days 1,800 sqft
2018-10-01 0 days 1,769 sqft
2018-11-01 0 days 1,816 sqft
2018-12-01 0 days 1,756 sqft
2019-01-01 0 days 1,762 sqft
2019-02-01 0 days 1,745 sqft
2019-03-01 0 days 1,756 sqft
2019-04-01 0 days 1,756 sqft
2019-05-01 0 days 1,790 sqft
2019-06-01 0 days 1,700 sqft
2019-07-01 0 days 1,737 sqft
2019-08-01 0 days 1,708 sqft
2019-09-01 0 days 1,688 sqft
2019-10-01 0 days 1,718 sqft
2019-11-01 0 days 1,708 sqft
2019-12-01 0 days 1,728 sqft
2020-01-01 0 days 1,653 sqft
2020-02-01 0 days 1,727 sqft
2020-03-01 0 days 1,839 sqft
2020-04-01 0 days 1,836 sqft
2020-05-01 0 days 1,811 sqft
2020-06-01 0 days 1,736 sqft
2020-07-01 0 days 1,736 sqft
2020-08-01 0 days 1,750 sqft
2020-09-01 0 days 1,775 sqft
2020-10-01 0 days 1,750 sqft
2020-11-01 0 days 1,754 sqft
2020-12-01 0 days 1,751 sqft
2021-01-01 0 days 1,688 sqft
2021-02-01 0 days 1,701 sqft
2021-03-01 0 days 1,732 sqft
2021-04-01 0 days 1,843 sqft
2021-05-01 0 days 1,888 sqft
2021-06-01 0 days 1,834 sqft
2021-07-01 0 days 1,836 sqft
2021-08-01 0 days 1,790 sqft
2021-09-01 0 days 1,808 sqft
2021-10-01 0 days 1,728 sqft
2021-11-01 0 days 1,663 sqft
2021-12-01 0 days 1,666 sqft
2022-01-01 0 days 1,663 sqft
2022-02-01 0 days 1,660 sqft
2022-03-01 0 days 1,619 sqft
2022-04-01 0 days 1,532 sqft
2022-05-01 0 days 1,553 sqft
2022-06-01 0 days 1,639 sqft
Plattsburgh's median listing age (time on market) for 2022-06-01 was 0 days.

Plattsburgh's median square footage for active listings during the 2022-06-01 period was 1,639 sqft. One year prior, the average listing was 1,834 sqft.