Rutland Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Rutland averaged 6.36% for the week of 2024-10-10, compared to the national average of 6.32% for the same period.

The average rate for the prior week (2024-10-03) was 6.26% and one month ago for the week of 2024-09-05, the average rate was 6.39%.

Rutland's average rate one year ago was 7.53%.

For refis of the same type during the week of 2024-10-10, the average rate was 6.82%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-10 6.32%
Rutland 30 Year Fixed Rate 2024-10-10 6.36%
Rutland 30 Year Fixed Rate Refi 2024-10-10 6.82%
Rutland 15 Year Fixed Rate 2024-10-10 5.41%
Rutland 15 Year Fixed Rate Refi 2024-10-10 5.31%
Rutland 30 Year FHA 2024-10-10 5.9%
Rutland 30 Year FHA Refi 2024-10-10 6%
Rutland 30 Year USDA 2024-10-10 6.18%
Rutland 30 Year USDA Refi 2024-10-10 6.18%
Rutland 30 Year VA 2024-10-10 6.05%
Rutland 30 Year VA Refi 2024-10-10 5.75%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Rutland, VT.

Rutland 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 Rutland, VT 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 45 6.68% $335
QUICKEN LOANS, LLC 41 6.69% $7,492
Mascoma Bank 28 6.80% $5,416
NEW ENGLAND FEDERAL CREDIT UNION 24 6.41% $3,525
ACADEMY MORTGAGE CORPORATION 14 7.00% $8,060
NORTHEAST HOME LOAN, LLC 13 6.88% $5,489
PRIMELENDING, A PLAINSCAPITAL COMPANY 10 6.81% $7,539
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 6.82% $7,431
Citizens Bank 8 6.73% $6,135
Bar Harbor Bank & Trust 7 6.05% $5,128
Union Bank 7 6.50% $6,663
TD Bank 6 7.18% $3,476
JPMorgan Chase Bank 6 6.29% $10,263
Vermont Federal Credit Union 6 6.63% $4,227
M&T Bank 5 7.25% $5,463
Bank of America 5 6.25% $5,843
Wells Fargo Bank 3 6.54% $5,793
BROKER SOLUTIONS, INC. 3 6.91% $6,973
CMG MORTGAGE, INC. 3 7.21% $4,973
EMM LOANS LLC 3 6.79% $5,794
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 6.67% $7,039
KeyBank 3 6.63% $5,391
Mortgage Research Center, LLC 3 6.25% $5,901
LOANDEPOT.COM, LLC 2 5.81% $8,351
PNC Bank 2 6.63% $5,071
Mr. Cooper ( Nationstar Mortgage ) 2 6.43% $9,494
Berkshire Bank 2 7.00% $4,321
American Mortgage & Equity Consultants, Inc. 2 7.00% $4,877
RELIANCE FIRST CAPITAL, LLC 2 9.19% $10,779
CALIBER HOME LOANS, INC. 2 6.81% $5,612
Leader Bank 2 6.63% $4,579
Merrimack County Savings Bank 2 6.38% $4,386
BETTER MORTGAGE CORPORATION 2 5.75% $12,774
UNITED WHOLESALE MORTGAGE, LLC 2 7.25% $5,387
Northfield Savings Bank 2 5.56% $3,688
Northpointe Bank 2 7.12% $7,507
U.S. Bank 2 6.63% $10,565
FREEDOM MORTGAGE CORPORATION 2 7.00% $6,819
MOVEMENT MORTGAGE, LLC 1 6.06% $8,498
NBT Bank 1 6.25% $4,284
CALCON MUTUAL MORTGAGE LLC 1 8.50% $15,737
PENNYMAC LOAN SERVICES, LLC 1 6.25% $4,546
PHH Mortgage Corporation 1 6.25% $11,085
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.13% $7,164
Ally Bank 1 5.75% $7,157
The Huntington National Bank 1 6.88% $9,102
TrustCo Bank 1 5.87% $3,400
Advisors Mortgage Group, L.L.C. 1 7.00% $5,692
CROSSCOUNTRY MORTGAGE, LLC 1 7.49% $4,596
Discover Bank 1 6.99% $0
Farm Credit East, ACA 1 8.50% $6,505
Citibank 1 5.50% $3,186
First Savings Bank 1 7.00% $7,784
GUARANTEED RATE AFFINITY, LLC 1 6.93% $6,191
GUARANTEED RATE, INC. 1 6.33% $8,420
GUILD MORTGAGE COMPANY 1 7.50% $7,374
HANSCOM 1 6.50% $8,069
Heritage Bank 1 5.13% $8,813
ABSOLUTE HOME MORTGAGE CORPORATION 1 9.75% $15,302
HSBC BANK USA, NATIONAL ASSOCIATION 1 7.68% $5,180
Charles Schwab Bank, SSB 1 5.25% $5,837
Waterstone Mortgage Corporation 1 6.25% $5,576
Kittredge Mortgage Corporation 1 6.63% $11,279
LIBERTY HOME MORTGAGE CORPORATION 1 6.38% $9,011
CARDINAL FINANCIAL 1 6.50% $3,894
21ST MORTGAGE CORPORATION 1 8.52% $5,423

Rutland Average Closing Costs & Other Stats

Rutland, VT's 66 lenders originated 784 loans during 2023. The total origination value was $152,940,000, with an average loan value of $195,077.

Rutland's average closing costs are $4,879.

The top Rutland lender as defined by loan originations is Community Bank, with 45 loans originated. Their average total fees are $335, which is $7,157 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Rutland lenders (with over 10 loans originated) are Community Bank ($335), NEW ENGLAND FEDERAL CREDIT UNION ($3,525), Mascoma Bank ($5,416), NORTHEAST HOME LOAN, LLC ($5,489) and QUICKEN LOANS, LLC ($7,492).

The lowest rate Rutland lenders (with over 10 loans originated) are NEW ENGLAND FEDERAL CREDIT UNION (6.41%), Community Bank (6.68%), QUICKEN LOANS, LLC (6.69%), Mascoma Bank (6.80%) and PRIMELENDING, A PLAINSCAPITAL COMPANY (6.81%).

Rutland, VT 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
QUICKEN LOANS, LLC $26,125,000 $16,890,000 -35.3% 11.0%
Community Bank $9,925,000 $14,415,000 45.2% 9.4%
NEW ENGLAND FEDERAL CREDIT UNION $7,485,000 $11,515,000 53.8% 7.5%
Mascoma Bank $23,040,000 $9,600,000 -58.3% 6.3%
Citizens Bank $13,805,000 $7,965,000 -42.3% 5.2%
ACADEMY MORTGAGE CORPORATION $1,665,000 $6,685,000 301.5% 4.4%
PRIMELENDING, A PLAINSCAPITAL COMPANY $9,520,000 $5,150,000 -45.9% 3.4%
Mortgage Research Center, LLC $5,730,000 $4,995,000 -12.8% 3.3%
NORTHEAST HOME LOAN, LLC $8,285,000 $4,445,000 -46.3% 2.9%
M&T Bank $3,770,000 $3,810,000 1.1% 2.5%
TD Bank $4,215,000 $3,740,000 -11.3% 2.4%
JPMorgan Chase Bank $3,045,000 $3,210,000 5.4% 2.1%
Bar Harbor Bank & Trust $9,510,000 $3,020,000 -68.2% 2.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $4,370,000 $3,020,000 -30.9% 2.0%
Bank of America $2,070,000 $2,690,000 30.0% 1.8%
The National Bank of Middlebury $2,565,000 $2,585,000 0.8% 1.7%
American Mortgage & Equity Consultants, Inc. $2,215,000 n/a 1.4%
EMM LOANS LLC $585,000 $2,015,000 244.4% 1.3%
Vermont Federal Credit Union $2,425,000 $1,845,000 -23.9% 1.2%
Union Bank $2,195,000 $1,835,000 -16.4% 1.2%
Wells Fargo Bank $3,925,000 $1,685,000 -57.1% 1.1%
Berkshire Bank $1,440,000 $1,395,000 -3.1% 0.9%
USAA Federal Savings Bank $1,315,000 $1,335,000 1.5% 0.9%
UNITED WHOLESALE MORTGAGE, LLC $1,315,000 $1,205,000 -8.4% 0.8%
CMG MORTGAGE, INC. $1,475,000 $1,125,000 -23.7% 0.7%
PNC Bank $1,750,000 $1,050,000 -40.0% 0.7%
LOANDEPOT.COM, LLC $4,030,000 $1,025,000 -74.6% 0.7%
U.S. Bank $1,760,000 $995,000 -43.5% 0.7%
Leader Bank $1,310,000 $975,000 -25.6% 0.6%
HOMEBRIDGE FINANCIAL SERVICES, INC. $4,965,000 $960,000 -80.7% 0.6%
The Huntington National Bank $955,000 n/a 0.6%
BROKER SOLUTIONS, INC. $1,310,000 $950,000 -27.5% 0.6%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $895,000 n/a 0.6%
GUARANTEED RATE, INC. $2,455,000 $835,000 -66.0% 0.5%
Northfield Savings Bank $1,080,000 $825,000 -23.6% 0.5%
GUILD MORTGAGE COMPANY $725,000 $815,000 12.4% 0.5%
Citibank $2,850,000 $805,000 -71.8% 0.5%
LIBERTY HOME MORTGAGE CORPORATION $805,000 n/a 0.5%
FREEDOM MORTGAGE CORPORATION $2,085,000 $790,000 -62.1% 0.5%
RELIANCE FIRST CAPITAL, LLC $245,000 $785,000 220.4% 0.5%
Kittredge Mortgage Corporation $670,000 $760,000 13.4% 0.5%
CALIBER HOME LOANS, INC. $730,000 $735,000 0.7% 0.5%
MUTUAL OF OMAHA MORTGAGE, INC. $670,000 $720,000 7.5% 0.5%
PENNYMAC LOAN SERVICES, LLC $1,540,000 $715,000 -53.6% 0.5%
HANSCOM $700,000 n/a 0.5%
Community National Bank $640,000 n/a 0.4%
KeyBank $2,960,000 $640,000 -78.4% 0.4%
CALCON MUTUAL MORTGAGE LLC $625,000 n/a 0.4%
BETTER MORTGAGE CORPORATION $790,000 $620,000 -21.5% 0.4%
Advisors Mortgage Group, L.L.C. $1,625,000 $585,000 -64.0% 0.4%
MOVEMENT MORTGAGE, LLC $2,345,000 $565,000 -75.9% 0.4%
TRIAD FINANCIAL SERVICES, INC. $555,000 n/a 0.4%
Mr. Cooper ( Nationstar Mortgage ) $2,310,000 $535,000 -76.8% 0.3%
Barrington Bank & Trust Company, N.A. $360,000 $510,000 41.7% 0.3%
NBT Bank $1,775,000 $490,000 -72.4% 0.3%
Northpointe Bank $685,000 $440,000 -35.8% 0.3%
21ST MORTGAGE CORPORATION $415,000 $405,000 -2.4% 0.3%
Farmers Bank & Trust $405,000 n/a 0.3%
AMERISAVE MORTGAGE CORPORATION $2,015,000 $375,000 -81.4% 0.2%
ABSOLUTE HOME MORTGAGE CORPORATION $365,000 n/a 0.2%
EVERETT FINANCIAL, INC. $410,000 $360,000 -12.2% 0.2%
ALLIANT CREDIT UNION $355,000 n/a 0.2%
TrustCo Bank $355,000 n/a 0.2%
NAVY FEDERAL CREDIT UNION $2,010,000 $350,000 -82.6% 0.2%
PHH Mortgage Corporation $330,000 $350,000 6.1% 0.2%
Heritage Bank $335,000 n/a 0.2%
Flagstar Bank, FSB $145,000 $330,000 127.6% 0.2%
Equity Prime Mortgage LLC $325,000 n/a 0.2%
Peoples Trust Company of St. Albans $325,000 n/a 0.2%
LONGBRIDGE FINANCIAL, LLC $310,000 n/a 0.2%
TOTAL MORTGAGE SERVICES, LLC $355,000 $305,000 -14.1% 0.2%
The Central Trust Bank $295,000 n/a 0.2%
CROSSCOUNTRY MORTGAGE, LLC $795,000 $290,000 -63.5% 0.2%
Ally Bank $125,000 $285,000 128.0% 0.2%
GUARANTEED RATE AFFINITY, LLC $285,000 n/a 0.2%
Farm Credit East, ACA $1,750,000 $275,000 -84.3% 0.2%
Merrimack County Savings Bank $270,000 n/a 0.2%
Charles Schwab Bank, SSB $345,000 $265,000 -23.2% 0.2%
First Republic Bank $145,000 $265,000 82.8% 0.2%
HSBC BANK USA, NATIONAL ASSOCIATION $305,000 $255,000 -16.4% 0.2%
MEMBERS ADVANTAGE COMMUNITY CREDIT UNION $105,000 $235,000 123.8% 0.2%
NORTH COUNTRY $805,000 $230,000 -71.4% 0.2%
CARDINAL FINANCIAL $280,000 $225,000 -19.6% 0.1%
Discover Bank $225,000 n/a 0.1%
Service Federal Credit Union $175,000 $205,000 17.1% 0.1%
ENVOY MORTGAGE, LTD $175,000 n/a 0.1%
Waterstone Mortgage Corporation $175,000 $175,000 0.0% 0.1%
Webster Bank $175,000 n/a 0.1%
The Camden National Bank $1,050,000 $155,000 -85.2% 0.1%
First Savings Bank $145,000 n/a 0.1%
SPRING EQ, LLC $145,000 n/a 0.1%
Figure Lending LLC $90,000 $135,000 50.0% 0.1%
FINANCE OF AMERICA REVERSE LLC $105,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $550,000 $95,000 -82.7% 0.1%
MASSMUTUAL $205,000 $85,000 -58.5% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $435,000 $75,000 -82.8% 0.0%
ONE Credit Union $60,000 n/a 0.0%
Carrington Mortgage Services, LLC $310,000 $45,000 -85.5% 0.0%
UTILITIES EMPLOYEES CREDIT UNION $55,000 $25,000 -54.5% 0.0%

Rutland's top lender by overall market share is QUICKEN LOANS, LLC, with 11.0% market share. In second place, with 9.4%, is Community Bank, having originated $14,415,000 in loans. In third place, with 7.5%, is NEW ENGLAND FEDERAL CREDIT UNION, having originated $11,515,000 in loans. In fourth place, with 6.3%, is Mascoma Bank, having originated $9,600,000 in loans. In fifth place, with 5.2%, is Citizens Bank, having originated $7,965,000 in loans.


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

Realtor.com - Rutland (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 $199,900 (5.3%) $305,728 (6.6%) 0.00 551
2018-02-01 $199,900 (2.1%) $300,652 (4.1%) 0.00 535
2018-03-01 $200,000 (2.9%) $305,341 (6.1%) 0.00 521
2018-04-01 $201,475 (2.8%) $304,414 (5.5%) 0.00 534
2018-05-01 $203,500 (4.4%) $298,716 (1.4%) 0.00 555
2018-06-01 $199,000 (0.0%) $289,177 (-3.5%) 0.00 608
2018-07-01 $214,975 (7.5%) $299,200 (-1.7%) 0.00 641
2018-08-01 $224,975 (13.1%) $304,952 (2.5%) 0.00 656
2018-09-01 $229,000 (14.7%) $303,646 (-0.9%) 0.00 637
2018-10-01 $229,000 (6.5%) $309,873 (-1.5%) 0.00 622
2018-11-01 $229,125 (14.6%) $315,100 (2.8%) 0.00 590
2018-12-01 $230,000 (15.3%) $336,585 (12.1%) 0.00 545
2019-01-01 $230,975 (15.6%) $346,453 (13.3%) 0.00 506
2019-02-01 $238,125 (19.1%) $347,407 (15.6%) 0.00 507
2019-03-01 $238,857 (19.4%) $344,632 (12.9%) 0.00 509
2019-04-01 $238,607 (18.4%) $338,980 (11.4%) 0.00 515
2019-05-01 $235,000 (15.5%) $333,286 (11.6%) 0.00 541
2019-06-01 $235,000 (18.1%) $329,697 (14.0%) 0.00 587
2019-07-01 $235,000 (9.3%) $338,106 (13.0%) 0.00 596
2019-08-01 $235,000 (4.5%) $341,258 (11.9%) 0.00 592
2019-09-01 $235,000 (2.6%) $341,154 (12.4%) 0.00 588
2019-10-01 $237,000 (3.5%) $347,638 (12.2%) 0.00 575
2019-11-01 $242,000 (5.6%) $364,196 (15.6%) 0.00 508
2019-12-01 $236,000 (2.6%) $364,589 (8.3%) 0.00 469
2020-01-01 $226,750 (-1.8%) $364,903 (5.3%) 0.00 435
2020-02-01 $239,000 (0.4%) $368,502 (6.1%) 0.00 408
2020-03-01 $239,000 (0.1%) $367,848 (6.7%) 0.00 398
2020-04-01 $244,000 (2.3%) $373,308 (10.1%) 0.00 360
2020-05-01 $249,000 (6.0%) $380,441 (14.2%) 0.00 355
2020-06-01 $255,625 (8.8%) $388,593 (17.9%) 0.00 351
2020-07-01 $255,125 (8.6%) $384,890 (13.8%) 0.00 336
2020-08-01 $249,999 (6.4%) $393,330 (15.3%) 0.00 328
2020-09-01 $245,000 (4.3%) $399,173 (17.0%) 0.00 302
2020-10-01 $249,000 (5.1%) $408,077 (17.4%) 0.00 305
2020-11-01 $259,900 (7.4%) $416,072 (14.2%) 0.00 262
2020-12-01 $249,000 (5.5%) $434,150 (19.1%) 0.00 237
2021-01-01 $259,900 (14.6%) $470,630 (29.0%) 0.00 199
2021-02-01 $279,250 (16.8%) $477,333 (29.5%) 0.00 161
2021-03-01 $288,325 (20.6%) $477,605 (29.8%) 0.00 144
2021-04-01 $290,625 (19.1%) $512,153 (37.2%) 0.00 144
2021-05-01 $299,900 (20.4%) $527,693 (38.7%) 0.00 156
2021-06-01 $299,225 (17.1%) $519,176 (33.6%) 0.00 168
2021-07-01 $299,900 (17.6%) $525,879 (36.6%) 0.00 176
2021-08-01 $324,750 (29.9%) $560,765 (42.6%) 0.00 170
2021-09-01 $371,000 (51.4%) $568,141 (42.3%) 0.00 170
2021-10-01 $374,000 (50.2%) $572,742 (40.4%) 0.00 147
2021-11-01 $448,000 (72.4%) $601,144 (44.5%) 0.00 128
2021-12-01 $404,250 (62.4%) $640,713 (47.6%) 0.00 123
2022-01-01 $365,000 (40.4%) $621,406 (32.0%) 0.00 109
2022-02-01 $327,500 (17.3%) $599,213 (25.5%) 0.00 106
2022-03-01 $326,000 (13.1%) $577,566 (20.9%) 0.00 116
2022-04-01 $335,000 (15.3%) $572,050 (11.7%) 0.00 137
2022-05-01 $337,250 (12.5%) $578,658 (9.7%) 0.00 152
2022-06-01 $342,250 (14.4%) $568,072 (9.4%) 0.00 172
2022-07-01 $350,000 (16.7%) $567,089 (7.8%) 0.00 198
2022-08-01 $354,950 (9.3%) $566,367 (1.0%) 0.00 170
2022-09-01 $362,425 (-2.3%) $551,501 (-2.9%) 0.00 166
2022-10-01 $319,000 (-14.7%) $538,926 (-5.9%) 0.00 164
2022-11-01 $309,950 (-30.8%) $581,025 (-3.4%) 0.00 156
2022-12-01 $299,000 (-26.0%) $427,740 (-33.2%) 0.00 125
2023-01-01 $274,925 (-24.7%) $414,967 (-33.2%) 0.00 113
2023-02-01 $260,350 (-20.5%) $429,358 (-28.4%) 0.00 113
2023-03-01 $275,000 (-15.6%) $429,225 (-25.7%) 0.00 107
2023-04-01 $275,000 (-17.9%) $428,266 (-25.1%) 0.00 99
2023-05-01 $280,000 (-17.0%) $419,751 (-27.5%) 0.00 96
2023-06-01 $336,375 (-1.7%) $458,483 (-19.3%) 0.00 106
2023-07-01 $389,000 (11.1%) $481,212 (-15.1%) 0.00 106
2023-08-01 $393,725 (10.9%) $503,014 (-11.2%) 0.00 113
2023-09-01 $400,000 (10.4%) $567,781 (3.0%) 0.00 133
2023-10-01 $412,475 (29.3%) $549,421 (2.0%) 0.00 132
2023-11-01 $396,000 (27.8%) $554,050 (-4.6%) 0.00 124
2023-12-01 $399,900 (33.8%) $546,807 (27.8%) 0.00 109
2024-01-01 $396,475 (44.2%) $538,475 (29.8%) 0.00 104
2024-02-01 $401,475 (54.2%) $559,505 (30.3%) 0.00 107
2024-03-01 $385,000 (40.0%) $711,967 (65.9%) 0.00 121
2024-04-01 $385,975 (40.4%) $714,669 (66.9%) 0.00 133
2024-05-01 $437,450 (56.2%) $742,350 (76.9%) 0.00 139
2024-06-01 $399,900 (18.9%) $711,161 (55.1%) 0.00 165
2024-07-01 $437,450 (12.5%) $717,351 (49.1%) 0.00 188
2024-08-01 $420,000 (6.7%) $703,612 (39.9%) 0.00 209
2024-09-01 $421,225 (5.3%) $697,088 (22.8%) 0.00 213
Rutland's median listing price for 2024-09-01 was $421,225, a difference of $21,225 (5.3%) versus the prior year and $1,225 versus the prior month.

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

Rutland's average listing price for 2024-09-01 was $697,088, a difference of $129,307 (22.8%) versus the prior year and $-6,524 versus the prior month.

For the 2024-09-01 period, Rutland had 213 MLS listings, a difference of 4 listings (2%) versus the prior month and 80 listings (60%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Rutland (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,880 sqft
2018-02-01 0 days 1,858 sqft
2018-03-01 0 days 1,867 sqft
2018-04-01 0 days 1,878 sqft
2018-05-01 0 days 1,881 sqft
2018-06-01 0 days 1,879 sqft
2018-07-01 0 days 1,933 sqft
2018-08-01 0 days 1,983 sqft
2018-09-01 0 days 2,000 sqft
2018-10-01 0 days 2,000 sqft
2018-11-01 0 days 1,996 sqft
2018-12-01 0 days 2,000 sqft
2019-01-01 0 days 2,040 sqft
2019-02-01 0 days 2,004 sqft
2019-03-01 0 days 1,994 sqft
2019-04-01 0 days 1,979 sqft
2019-05-01 0 days 1,978 sqft
2019-06-01 0 days 1,920 sqft
2019-07-01 0 days 1,911 sqft
2019-08-01 0 days 1,919 sqft
2019-09-01 0 days 1,917 sqft
2019-10-01 0 days 1,922 sqft
2019-11-01 0 days 1,960 sqft
2019-12-01 0 days 1,941 sqft
2020-01-01 0 days 1,896 sqft
2020-02-01 0 days 1,944 sqft
2020-03-01 0 days 1,942 sqft
2020-04-01 0 days 1,946 sqft
2020-05-01 0 days 1,921 sqft
2020-06-01 0 days 2,022 sqft
2020-07-01 0 days 2,143 sqft
2020-08-01 0 days 2,128 sqft
2020-09-01 0 days 1,959 sqft
2020-10-01 0 days 1,969 sqft
2020-11-01 0 days 2,073 sqft
2020-12-01 0 days 2,106 sqft
2021-01-01 0 days 2,194 sqft
2021-02-01 0 days 2,146 sqft
2021-03-01 0 days 2,198 sqft
2021-04-01 0 days 2,167 sqft
2021-05-01 0 days 2,066 sqft
2021-06-01 0 days 1,875 sqft
2021-07-01 0 days 1,805 sqft
2021-08-01 0 days 2,002 sqft
2021-09-01 0 days 2,086 sqft
2021-10-01 0 days 2,194 sqft
2021-11-01 0 days 2,194 sqft
2021-12-01 0 days 2,194 sqft
2022-01-01 0 days 2,194 sqft
2022-02-01 0 days 2,030 sqft
2022-03-01 0 days 1,912 sqft
2022-04-01 0 days 1,824 sqft
2022-05-01 0 days 1,817 sqft
2022-06-01 0 days 1,915 sqft
2022-07-01 0 days 1,920 sqft
2022-08-01 0 days 1,958 sqft
2022-09-01 0 days 2,004 sqft
2022-10-01 0 days 1,916 sqft
2022-11-01 0 days 1,994 sqft
2022-12-01 0 days 1,930 sqft
2023-01-01 0 days 1,809 sqft
2023-02-01 0 days 1,610 sqft
2023-03-01 0 days 1,760 sqft
2023-04-01 0 days 1,872 sqft
2023-05-01 0 days 1,632 sqft
2023-06-01 0 days 1,768 sqft
2023-07-01 0 days 1,800 sqft
2023-08-01 0 days 1,790 sqft
2023-09-01 0 days 1,811 sqft
2023-10-01 0 days 1,972 sqft
2023-11-01 0 days 1,881 sqft
2023-12-01 0 days 1,929 sqft
2024-01-01 0 days 1,972 sqft
2024-02-01 0 days 1,937 sqft
2024-03-01 0 days 1,828 sqft
2024-04-01 0 days 1,692 sqft
2024-05-01 0 days 1,612 sqft
2024-06-01 0 days 1,742 sqft
2024-07-01 0 days 1,814 sqft
2024-08-01 0 days 1,963 sqft
2024-09-01 0 days 1,842 sqft
Rutland's median listing age (time on market) for 2024-09-01 was 0 days.

Rutland's median square footage for active listings during the 2024-09-01 period was 1,842 sqft. One year prior, the average listing was 1,811 sqft.

Rutland, VT Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 445 $108,245,000 $243,247
Home Improvement 100 $8,400,000 $84,000
Cash Out Refi 90 $18,340,000 $203,778
Refi 80 $10,650,000 $133,125
Other 69 $7,305,000 $105,870

Rutland's most frequently cited loan purpose was Home Purchase, with 445 originations. The 2nd most popular reason was Home Improvement, with 100 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 316 $70,840,000 $224,177
7-8% 175 $35,395,000 $202,257
Over 8% 117 $12,015,000 $102,692
5-6% 97 $24,675,000 $254,381
<2.5% 37 $2,085,000 $56,351
4-5% 17 $3,595,000 $211,471
2.5-3% 5 $295,000 $59,000
3-4% 4 $860,000 $215,000

During 2023, Rutland's most frequently originated rate bucket was 6-7%, with 316 originations.

Loan Sizing (Rutland, VT MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 277 $40,505,000 $146,227
$200k-400k 268 $72,660,000 $271,119
$100,000 or less 186 $9,890,000 $53,172
$400k-600k 36 $17,500,000 $486,111
$600k-1000k 17 $12,385,000 $728,529

Rutland's loan sizing saw the bucket of loans from $100k-200k with 277 originations, totaling $40,505,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 254 $63,260,000 $249,055
60-80% 206 $49,840,000 $241,942
20-40% 116 $13,510,000 $116,466
Under 20% 97 $4,285,000 $44,175
40-60% 86 $16,140,000 $187,674
Over 100% 8 $2,620,000 $327,500

Rutland's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 254 originations, totaling $63,260,000 in origination value.