Sidney 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 Sidney averaged 6.98% for the week of 2023-09-21, compared to the national average of 7.19% for the same period.

    The average rate for the prior week (2023-09-14) was 7.07% and one month ago for the week of 2023-08-17, the average rate was 7.18%.

    Sidney's average rate one year ago was 5.91%.

    For refis of the same type during the week of 2023-09-21, the average rate was 7.19%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-09-21 7.19%
    Sidney 30 Year Fixed Rate 2023-09-21 6.98%
    Sidney 30 Year Fixed Rate Refi 2023-09-21 7.19%
    Sidney 15 Year Fixed Rate 2023-09-21 6.64%
    Sidney 15 Year Fixed Rate Refi 2023-09-21 7.14%
    Sidney 30 Year FHA 2023-09-21 6.84%
    Sidney 30 Year FHA Refi 2023-09-21 6.94%
    Sidney 30 Year USDA 2023-09-21 7.02%
    Sidney 30 Year USDA Refi 2023-09-21 6.82%
    Sidney 30 Year VA 2023-09-21 6.72%
    Sidney 30 Year VA Refi 2023-09-21 6.92%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Sidney, OH.

    Sidney 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 Sidney, OH 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    U.S. Bank 29 4.91% $3,385
    QUICKEN LOANS, LLC 28 5.36% $6,110
    The Farmers & Merchants State Bank 18 5.37% $2,356
    JPMorgan Chase Bank 17 4.82% $3,069
    First Bank Richmond 15 5.40% $3,106
    HONDA Federal Credit Union 13 4.69% $4,088
    UNION HOME MORTGAGE CORP. 12 5.13% $4,614
    Union Savings Bank 12 4.53% $944
    Superior Credit Union, Inc. 10 4.59% $2,502
    Fifth Third Bank 9 5.64% $3,431
    LOANDEPOT.COM, LLC 8 4.84% $4,152
    WRIGHT-PATT CREDIT UNION, INC. 8 5.28% $2,158
    UNIVERSAL 1 CREDIT UNION 7 6.00% $3,475
    PRIMELENDING, A PLAINSCAPITAL COMPANY 5 5.47% $4,067
    Farm Credit Mid-America, ACA 5 4.41% $6,594
    CROSSCOUNTRY MORTGAGE, LLC 4 5.91% $5,675
    NVR Mortgage Finance, Inc. 4 5.28% $3,554
    UNITED WHOLESALE MORTGAGE, LLC 4 5.49% $5,093
    PNC Bank 3 5.00% $3,190
    AMERISAVE MORTGAGE CORPORATION 3 3.79% $5,591
    Wells Fargo Bank 3 4.50% $5,305
    CALIBER HOME LOANS, INC. 3 4.79% $4,200
    The Huntington National Bank 3 4.66% $5,760
    EQUITY RESOURCES, INC. 2 4.63% $4,106
    RUOFF MORTGAGE COMPANY, INC. 2 4.56% $1,350
    FREEDOM MORTGAGE CORPORATION 2 4.38% $4,963
    PENNYMAC LOAN SERVICES, LLC 2 4.25% $5,215
    The Park National Bank 2 5.25% $3,301
    AMERICAN MORTGAGE SERVICE COMPANY 2 5.19% $9,224
    Mr. Cooper ( Nationstar Mortgage ) 2 4.93% $5,047
    Ally Bank 2 5.19% $3,208
    FINANCE OF AMERICA MORTGAGE LLC 2 3.88% $6,217
    Third Federal Savings and Loan Association of Cleveland 1 4.44% $0
    Three Rivers Federal Credit Union 1 5.38% $3,436
    THRIVE MORTGAGE, LLC 1 5.63% $3,262
    Truist 1 6.38% $3,991
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 5.75% $7,058
    ZILLOW HOME LOANS, LLC 1 4.50% $4,270
    M&T Bank 1 5.13% $6,511
    Bank of England 1 5.88% $4,656
    Carrington Mortgage Services, LLC 1 4.63% $5,429
    Cf Bank 1 5.13% $1,913
    CHURCHILL MORTGAGE CORPORATION 1 3.88% $4,089
    Civista Bank 1 5.88% $2,915
    DAS Acquisition Company, LLC 1 5.63% $4,051
    ENDEAVOR CAPITAL, LLC. 1 3.38% $3,598
    Firefighters & Company FCU 1 5.13% $3,002
    First Financial Bank 1 5.63% $2,100
    First National Bank of America 1 6.88% $5,354
    Flagstar Bank, FSB 1 4.63% $3,517
    HOME POINT FINANCIAL CORPORATION 1 2.99% $5,314
    HOMESIDE FINANCIAL, LLC 1 4.63% $15,424
    HOWARD HANNA FINANCIAL SERVICES, INC. 1 6.25% $3,905
    KEMBA CREDIT UNION, INC. 1 4.00% $2,403
    KeyBank 1 3.25% $3,393
    LAKEVIEW LOAN SERVICING, LLC 1 5.88% $5,002
    Liberty National Bank 1 5.25% $3,945
    Mercantile Bank of Michigan 1 5.88% $3,647
    MORTGAGE 1 INCORPORATED 1 6.99% $4,529
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.37% $4,302
    NAVY FEDERAL CREDIT UNION 1 3.88% $2,934
    Northwest Bank 1 3.00% $2,345
    RELIANCE FIRST CAPITAL, LLC 1 3.50% $7,099
    ROYAL UNITED MORTGAGE LLC 1 7.13% $7,072
    SECURITYNATIONAL MORTGAGE COMPANY 1 5.50% $4,625
    T2 FINANCIAL LLC 1 5.99% $3,755
    The Citizens National Bank of Bluffton 1 5.50% $2,894
    The Farmers National Bank of Canfield 1 5.75% $5,563
    The Merchants National Bank 1 6.75% $3,113
    The Richwood Banking Company 1 4.88% $3,140

    Sidney Average Closing Costs & Other Stats

    Sidney, OH's 70 lenders originated 958 loans during 2022. The total origination value was $135,330,000, with an average loan value of $141,263.

    Sidney's average closing costs are $4,320.

    The top Sidney lender as defined by loan originations is U.S. Bank, with 29 loans originated. Their average total fees are $3,385, which is $2,725 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Sidney lenders (with over 10 loans originated) are Union Savings Bank ($944), The Farmers & Merchants State Bank ($2,356), Superior Credit Union, Inc. ($2,502), JPMorgan Chase Bank ($3,069) and First Bank Richmond ($3,106).

    The lowest rate Sidney lenders (with over 10 loans originated) are Union Savings Bank (4.53%), Superior Credit Union, Inc. (4.59%), HONDA Federal Credit Union (4.69%), JPMorgan Chase Bank (4.82%) and U.S. Bank (4.91%).

    Sidney, OH 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    U.S. Bank $25,500,000 $15,395,000 -39.6% 11.4%
    QUICKEN LOANS, LLC $15,870,000 $10,600,000 -33.2% 7.8%
    HONDA Federal Credit Union $7,410,000 $8,495,000 14.6% 6.3%
    The Farmers & Merchants State Bank $8,200,000 n/a 6.1%
    Fifth Third Bank $7,675,000 $7,360,000 -4.1% 5.4%
    Minster Bank $15,070,000 $6,765,000 -55.1% 5.0%
    JPMorgan Chase Bank $10,455,000 $4,920,000 -52.9% 3.6%
    UNION HOME MORTGAGE CORP. $7,050,000 $3,915,000 -44.5% 2.9%
    Union Savings Bank $9,850,000 $3,880,000 -60.6% 2.9%
    UNIVERSAL 1 CREDIT UNION $3,670,000 $3,300,000 -10.1% 2.4%
    First Bank Richmond $11,120,000 $3,030,000 -72.8% 2.2%
    CALIBER HOME LOANS, INC. $6,660,000 $2,905,000 -56.4% 2.1%
    Superior Credit Union, Inc. $6,860,000 $2,885,000 -57.9% 2.1%
    Farm Credit Mid-America, ACA $2,755,000 $2,860,000 3.8% 2.1%
    CROSSCOUNTRY MORTGAGE, LLC $1,240,000 $2,765,000 123.0% 2.0%
    WRIGHT-PATT CREDIT UNION, INC. $3,730,000 $2,610,000 -30.0% 1.9%
    LOANDEPOT.COM, LLC $5,715,000 $2,520,000 -55.9% 1.9%
    Mortgage Research Center, LLC $2,435,000 $1,955,000 -19.7% 1.4%
    The Huntington National Bank $1,215,000 $1,745,000 43.6% 1.3%
    PNC Bank $1,775,000 $1,740,000 -2.0% 1.3%
    EQUITY RESOURCES, INC. $925,000 $1,640,000 77.3% 1.2%
    UNITED WHOLESALE MORTGAGE, LLC $910,000 $1,370,000 50.5% 1.0%
    PENNYMAC LOAN SERVICES, LLC $2,075,000 $1,305,000 -37.1% 1.0%
    NVR Mortgage Finance, Inc. $1,215,000 n/a 0.9%
    FREEDOM MORTGAGE CORPORATION $3,385,000 $1,140,000 -66.3% 0.8%
    NEWREZ LLC $2,120,000 $1,130,000 -46.7% 0.8%
    AMERISAVE MORTGAGE CORPORATION $1,875,000 $1,090,000 -41.9% 0.8%
    MOVEMENT MORTGAGE, LLC $1,005,000 n/a 0.7%
    DAS Acquisition Company, LLC $715,000 $990,000 38.5% 0.7%
    Greenville National Bank $2,650,000 $990,000 -62.6% 0.7%
    The Union Bank Company $55,000 $955,000 1,636.4% 0.7%
    Greenville Federal $3,115,000 $880,000 -71.7% 0.7%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $2,100,000 $850,000 -59.5% 0.6%
    The Citizens National Bank of Bluffton $890,000 $825,000 -7.3% 0.6%
    The Park National Bank $3,110,000 $820,000 -73.6% 0.6%
    Carrington Mortgage Services, LLC $2,030,000 $715,000 -64.8% 0.5%
    RiverHills Bank $605,000 n/a 0.4%
    Flagstar Bank, FSB $515,000 $600,000 16.5% 0.4%
    Servion, Inc. $230,000 $575,000 150.0% 0.4%
    Bank of England $555,000 n/a 0.4%
    FINANCE OF AMERICA MORTGAGE LLC $540,000 n/a 0.4%
    AMERICAN MORTGAGE SERVICE COMPANY $180,000 $530,000 194.4% 0.4%
    Wells Fargo Bank $1,685,000 $520,000 -69.1% 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $2,560,000 $510,000 -80.1% 0.4%
    THRIVE MORTGAGE, LLC $1,115,000 $510,000 -54.3% 0.4%
    HOMESIDE FINANCIAL, LLC $440,000 $465,000 5.7% 0.3%
    LAKEVIEW LOAN SERVICING, LLC $1,165,000 $465,000 -60.1% 0.3%
    NORTHERN MORTGAGE SERVICES, LLC $135,000 $440,000 225.9% 0.3%
    VANDERBILT MORTGAGE AND FINANCE, INC. $155,000 $430,000 177.4% 0.3%
    AMERICAN FINANCING CORPORATION $760,000 $415,000 -45.4% 0.3%
    The Farmers State Bank $300,000 $405,000 35.0% 0.3%
    RELIANCE FIRST CAPITAL, LLC $445,000 $400,000 -10.1% 0.3%
    SECURITYNATIONAL MORTGAGE COMPANY $365,000 n/a 0.3%
    MORTGAGE 1 INCORPORATED $455,000 $360,000 -20.9% 0.3%
    RUOFF MORTGAGE COMPANY, INC. $220,000 $360,000 63.6% 0.3%
    Monroe Federal Savings and Loan Association $345,000 n/a 0.3%
    The Farmers National Bank of Canfield $335,000 n/a 0.2%
    NAVY FEDERAL CREDIT UNION $350,000 $320,000 -8.6% 0.2%
    The Richwood Banking Company $255,000 $320,000 25.5% 0.2%
    The Old Fort Banking Company $315,000 n/a 0.2%
    AMERICAN FINANCIAL RESOURCES, INC. $95,000 $310,000 226.3% 0.2%
    First Financial Bank $330,000 $295,000 -10.6% 0.2%
    The Merchants National Bank $135,000 $295,000 118.5% 0.2%
    LIBERTY HOME MORTGAGE CORPORATION $515,000 $280,000 -45.6% 0.2%
    Third Federal Savings and Loan Association of Cleveland $435,000 $260,000 -40.2% 0.2%
    First Financial Bank $330,000 $255,000 -22.7% 0.2%
    Hometown Lenders, Inc. $255,000 n/a 0.2%
    NATIONS RELIABLE LENDING, LLC $145,000 $255,000 75.9% 0.2%
    Three Rivers Federal Credit Union $665,000 $250,000 -62.4% 0.2%
    HOME POINT FINANCIAL CORPORATION $540,000 $245,000 -54.6% 0.2%
    Northwest Bank $245,000 n/a 0.2%
    The Federal Savings Bank $865,000 $245,000 -71.7% 0.2%
    T2 FINANCIAL LLC $1,135,000 $240,000 -78.9% 0.2%
    KEMBA FINANCIAL $175,000 $230,000 31.4% 0.2%
    KeyBank $225,000 n/a 0.2%
    MYCUMORTGAGE, LLC $185,000 $225,000 21.6% 0.2%
    Ally Bank $220,000 n/a 0.2%
    GUILD MORTGAGE COMPANY $215,000 n/a 0.2%
    ZILLOW HOME LOANS, LLC $135,000 $215,000 59.3% 0.2%
    BRIDGE $210,000 n/a 0.2%
    KEMBA CREDIT UNION, INC. $205,000 n/a 0.2%
    Liberty National Bank $980,000 $205,000 -79.1% 0.2%
    Paramount Residential Mortgage Group, Inc. $205,000 n/a 0.2%
    Discover Bank $175,000 $200,000 14.3% 0.1%
    NEW DAY FINANCIAL, LLC $195,000 n/a 0.1%
    TOP FLITE FINANCIAL, INC. $195,000 n/a 0.1%
    First National Bank of America $190,000 n/a 0.1%
    AmeriHome Mortgage Company, LLC $445,000 $175,000 -60.7% 0.1%
    M&T Bank $170,000 $175,000 2.9% 0.1%
    ENDEAVOR CAPITAL, LLC. $165,000 n/a 0.1%
    Firefighters & Company FCU $165,000 n/a 0.1%
    MID AMERICA MORTGAGE, INC. $870,000 $165,000 -81.0% 0.1%
    Figure Lending LLC $105,000 $155,000 47.6% 0.1%
    Barrington Bank & Trust Company, N.A. $155,000 $145,000 -6.5% 0.1%
    CHURCHILL MORTGAGE CORPORATION $95,000 $145,000 52.6% 0.1%
    Northpointe Bank $95,000 $135,000 42.1% 0.1%
    Civista Bank $185,000 $130,000 -29.7% 0.1%
    SPRING EQ, LLC $25,000 $130,000 420.0% 0.1%
    Mercantile Bank of Michigan $770,000 $125,000 -83.8% 0.1%
    LCNB National Bank $115,000 n/a 0.1%
    Arvest Bank $105,000 n/a 0.1%
    HOWARD HANNA FINANCIAL SERVICES, INC. $105,000 n/a 0.1%
    Nations Lending Corporation $155,000 $95,000 -38.7% 0.1%
    First Guaranty Mortgage Corporation $965,000 $85,000 -91.2% 0.1%
    Cf Bank $1,460,000 $75,000 -94.9% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $155,000 $75,000 -51.6% 0.1%
    ROYAL UNITED MORTGAGE LLC $330,000 $75,000 -77.3% 0.1%
    Truist $165,000 $75,000 -54.5% 0.1%
    AMERICAN ADVISORS GROUP $65,000 $65,000 0.0% 0.0%
    First Bank of Berne $55,000 n/a 0.0%
    First Federal Bank of the Midwest $305,000 $55,000 -82.0% 0.0%
    QUORUM FEDERAL CREDIT UNION $55,000 n/a 0.0%
    Bank of America $675,000 $45,000 -93.3% 0.0%

    Sidney's top lender by overall market share is U.S. Bank, with 11.4% market share. In second place, with 7.8%, is QUICKEN LOANS, LLC, having originated $10,600,000 in loans. In third place, with 6.3%, is HONDA Federal Credit Union, having originated $8,495,000 in loans. In fourth place, with 6.1%, is The Farmers & Merchants State Bank, having originated $8,200,000 in loans. In fifth place, with 5.4%, is Fifth Third Bank, having originated $7,360,000 in loans.

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

    Realtor.com - Sidney (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 $124,400 (13.9%) $174,764 (18.0%) 0.00 144
    2018-02-01 $122,500 (16.4%) $182,281 (20.2%) 0.00 139
    2018-03-01 $127,750 (14.8%) $201,308 (28.3%) 0.00 129
    2018-04-01 $126,425 (10.0%) $196,517 (27.4%) 0.00 133
    2018-05-01 $130,000 (10.0%) $196,760 (20.5%) 0.00 138
    2018-06-01 $135,000 (12.7%) $190,153 (17.9%) 0.00 154
    2018-07-01 $137,450 (12.5%) $195,694 (21.1%) 0.00 165
    2018-08-01 $134,250 (10.9%) $189,866 (10.9%) 0.00 159
    2018-09-01 $135,000 (3.9%) $195,173 (11.5%) 0.00 158
    2018-10-01 $121,000 (-8.6%) $209,920 (21.4%) 0.00 161
    2018-11-01 $129,175 (-0.6%) $199,899 (16.5%) 0.00 167
    2018-12-01 $117,900 (-3.5%) $176,820 (2.5%) 0.00 155
    2019-01-01 $123,950 (-0.4%) $174,627 (-0.1%) 0.00 119
    2019-02-01 $140,500 (14.7%) $177,972 (-2.4%) 0.00 116
    2019-03-01 $136,986 (7.2%) $173,215 (-14.0%) 0.00 109
    2019-04-01 $133,761 (5.8%) $166,049 (-15.5%) 0.00 105
    2019-05-01 $139,450 (7.3%) $161,411 (-18.0%) 0.00 113
    2019-06-01 $124,450 (-7.8%) $154,332 (-18.8%) 0.00 123
    2019-07-01 $119,350 (-13.2%) $153,917 (-21.4%) 0.00 128
    2019-08-01 $112,791 (-16.0%) $149,399 (-21.3%) 0.00 120
    2019-09-01 $113,977 (-15.6%) $149,131 (-23.6%) 0.00 118
    2019-10-01 $117,450 (-2.9%) $148,953 (-29.0%) 0.00 116
    2019-11-01 $119,900 (-7.2%) $148,124 (-25.9%) 0.00 107
    2019-12-01 $117,425 (-0.4%) $146,334 (-17.2%) 0.00 112
    2020-01-01 $114,900 (-7.3%) $148,843 (-14.8%) 0.00 104
    2020-02-01 $114,450 (-18.5%) $157,751 (-11.4%) 0.00 87
    2020-03-01 $126,400 (-7.7%) $165,174 (-4.6%) 0.00 88
    2020-04-01 $126,925 (-5.1%) $163,930 (-1.3%) 0.00 87
    2020-05-01 $119,200 (-14.5%) $160,877 (-0.3%) 0.00 65
    2020-06-01 $134,950 (8.4%) $168,228 (9.0%) 0.00 59
    2020-07-01 $142,400 (19.3%) $175,453 (14.0%) 0.00 57
    2020-08-01 $134,000 (18.8%) $180,205 (20.6%) 0.00 55
    2020-09-01 $139,900 (22.7%) $188,278 (26.3%) 0.00 63
    2020-10-01 $136,500 (16.2%) $184,964 (24.2%) 0.00 65
    2020-11-01 $148,650 (24.0%) $192,614 (30.0%) 0.00 59
    2020-12-01 $158,700 (35.2%) $197,743 (35.1%) 0.00 49
    2021-01-01 $159,000 (38.4%) $203,627 (36.8%) 0.00 49
    2021-02-01 $179,450 (56.8%) $222,779 (41.2%) 0.00 44
    2021-03-01 $159,225 (26.0%) $195,747 (18.5%) 0.00 42
    2021-04-01 $158,000 (24.5%) $183,039 (11.7%) 0.00 46
    2021-05-01 $159,900 (34.1%) $213,377 (32.6%) 0.00 43
    2021-06-01 $198,675 (47.2%) $216,930 (29.0%) 0.00 54
    2021-07-01 $189,900 (33.4%) $213,788 (21.9%) 0.00 50
    2021-08-01 $168,000 (25.4%) $208,771 (15.9%) 0.00 55
    2021-09-01 $182,225 (30.3%) $211,112 (12.1%) 0.00 62
    2021-10-01 $169,900 (24.5%) $207,712 (12.3%) 0.00 56
    2021-11-01 $175,400 (18.0%) $216,230 (12.3%) 0.00 54
    2021-12-01 $168,725 (6.3%) $214,690 (8.6%) 0.00 41
    2022-01-01 $139,900 (-12.0%) $183,463 (-9.9%) 0.00 40
    2022-02-01 $136,725 (-23.8%) $170,217 (-23.6%) 0.00 31
    2022-03-01 $148,450 (-6.8%) $159,145 (-18.7%) 0.00 31
    2022-04-01 $169,000 (7.0%) $184,428 (0.8%) 0.00 40
    2022-05-01 $177,425 (11.0%) $211,608 (-0.8%) 0.00 38
    2022-06-01 $177,450 (-10.7%) $233,876 (7.8%) 0.00 46
    2022-07-01 $177,450 (-6.6%) $249,035 (16.5%) 0.00 57
    2022-08-01 $232,175 (38.2%) $276,647 (32.5%) 0.00 55
    2022-09-01 $221,175 (21.4%) $268,789 (27.3%) 0.00 65
    2022-10-01 $236,445 (39.2%) $274,830 (32.3%) 0.00 61
    2022-11-01 $253,725 (44.7%) $282,360 (30.6%) 0.00 63
    2022-12-01 $264,495 (56.8%) $285,878 (33.2%) 0.00 56
    2023-01-01 $249,000 (78.0%) $273,808 (49.2%) 0.00 55
    2023-02-01 $249,000 (82.1%) $268,659 (57.8%) 0.00 54
    2023-03-01 $258,700 (74.3%) $280,128 (76.0%) 0.00 38
    2023-04-01 $249,700 (47.8%) $271,920 (47.4%) 0.00 37
    2023-05-01 $249,500 (40.6%) $282,625 (33.6%) 0.00 33
    2023-06-01 $284,100 (60.1%) $295,191 (26.2%) 0.00 38
    2023-07-01 $249,000 (40.3%) $282,593 (13.5%) 0.00 39
    2023-08-01 $240,000 (3.4%) $268,065 (-3.1%) 0.00 43
    Sidney's median listing price for 2023-08-01 was $240,000, a difference of $7,825 (3.4%) versus the prior year and $-9,000 versus the prior month.

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

    Sidney's average listing price for 2023-08-01 was $268,065, a difference of $-8,582 (-3.1%) versus the prior year and $-14,528 versus the prior month.

    For the 2023-08-01 period, Sidney had 43 MLS listings, a difference of 4 listings (10%) versus the prior month and -12 listings (-22%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Sidney (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,691 sqft
    2018-02-01 0 days 1,698 sqft
    2018-03-01 0 days 1,737 sqft
    2018-04-01 0 days 1,743 sqft
    2018-05-01 0 days 1,809 sqft
    2018-06-01 0 days 1,809 sqft
    2018-07-01 0 days 1,778 sqft
    2018-08-01 0 days 1,728 sqft
    2018-09-01 0 days 1,787 sqft
    2018-10-01 0 days 1,810 sqft
    2018-11-01 0 days 1,686 sqft
    2018-12-01 0 days 1,659 sqft
    2019-01-01 0 days 1,622 sqft
    2019-02-01 0 days 1,587 sqft
    2019-03-01 0 days 1,620 sqft
    2019-04-01 0 days 1,650 sqft
    2019-05-01 0 days 1,654 sqft
    2019-06-01 0 days 1,644 sqft
    2019-07-01 0 days 1,601 sqft
    2019-08-01 0 days 1,551 sqft
    2019-09-01 0 days 1,556 sqft
    2019-10-01 0 days 1,547 sqft
    2019-11-01 0 days 1,560 sqft
    2019-12-01 0 days 1,566 sqft
    2020-01-01 0 days 1,538 sqft
    2020-02-01 0 days 1,561 sqft
    2020-03-01 0 days 1,708 sqft
    2020-04-01 0 days 1,661 sqft
    2020-05-01 0 days 1,580 sqft
    2020-06-01 0 days 1,662 sqft
    2020-07-01 0 days 1,744 sqft
    2020-08-01 0 days 1,686 sqft
    2020-09-01 0 days 1,646 sqft
    2020-10-01 0 days 1,686 sqft
    2020-11-01 0 days 1,674 sqft
    2020-12-01 0 days 1,774 sqft
    2021-01-01 0 days 1,728 sqft
    2021-02-01 0 days 1,901 sqft
    2021-03-01 0 days 1,774 sqft
    2021-04-01 0 days 1,726 sqft
    2021-05-01 0 days 1,782 sqft
    2021-06-01 0 days 1,770 sqft
    2021-07-01 0 days 1,728 sqft
    2021-08-01 0 days 1,775 sqft
    2021-09-01 0 days 1,730 sqft
    2021-10-01 0 days 1,716 sqft
    2021-11-01 0 days 1,698 sqft
    2021-12-01 0 days 1,603 sqft
    2022-01-01 0 days 1,604 sqft
    2022-02-01 0 days 1,653 sqft
    2022-03-01 0 days 1,596 sqft
    2022-04-01 0 days 1,596 sqft
    2022-05-01 0 days 1,724 sqft
    2022-06-01 0 days 1,648 sqft
    2022-07-01 0 days 1,763 sqft
    2022-08-01 0 days 1,853 sqft
    2022-09-01 0 days 1,734 sqft
    2022-10-01 0 days 1,680 sqft
    2022-11-01 0 days 1,843 sqft
    2022-12-01 0 days 1,934 sqft
    2023-01-01 0 days 1,835 sqft
    2023-02-01 0 days 1,782 sqft
    2023-03-01 0 days 1,875 sqft
    2023-04-01 0 days 1,888 sqft
    2023-05-01 0 days 1,865 sqft
    2023-06-01 0 days 1,939 sqft
    2023-07-01 0 days 1,904 sqft
    2023-08-01 0 days 1,828 sqft
    Sidney's median listing age (time on market) for 2023-08-01 was 0 days.

    Sidney's median square footage for active listings during the 2023-08-01 period was 1,828 sqft. One year prior, the average listing was 1,853 sqft.

    Sidney, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 374 $71,080,000 $190,053
    Cash Out Refi 203 $28,495,000 $140,369
    Refi 159 $19,785,000 $124,434
    Home Improvement 112 $7,570,000 $67,589
    Other 110 $8,400,000 $76,364

    Sidney's most frequently cited loan purpose was Home Purchase, with 374 originations. The 2nd most popular reason was Cash Out Refi, with 203 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 228 $33,170,000 $145,482
    5-6% 213 $30,805,000 $144,624
    4-5% 191 $30,035,000 $157,251
    6-7% 114 $15,060,000 $132,105
    2.5-3% 73 $10,225,000 $140,068
    7-8% 39 $3,865,000 $99,103
    Over 8% 37 $2,035,000 $55,000
    <2.5% 18 $1,630,000 $90,556

    During 2022, Sidney's most frequently originated rate bucket was 3-4%, with 228 originations.

    Loan Sizing (Sidney, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 380 $54,330,000 $142,974
    $100,000 or less 376 $22,040,000 $58,617
    $200k-400k 181 $47,515,000 $262,514
    $400k-600k 15 $7,155,000 $477,000
    $600k-1000k 6 $4,290,000 $715,000

    Sidney's loan sizing saw the bucket of loans from $100k-200k with 380 originations, totaling $54,330,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 272 $51,760,000 $190,294
    60-80% 211 $36,875,000 $174,763
    20-40% 188 $14,030,000 $74,628
    40-60% 131 $17,655,000 $134,771
    Under 20% 98 $3,790,000 $38,673
    Over 100% 5 $995,000 $199,000

    Sidney's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 272 originations, totaling $51,760,000 in origination value.