Sidney Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Sidney averaged 6.8% for the week of 2025-05-15, compared to the national average of 6.81% for the same period.

The average rate for the prior week (2025-05-08) was 6.95% and one month ago for the week of 2025-04-10, the average rate was 6.61%.

Sidney's average rate one year ago was 7.08%.

For refis of the same type during the week of 2025-05-15, the average rate was 7.11%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-05-15 6.81%
Sidney 30 Year Fixed Rate 2025-05-15 6.8%
Sidney 30 Year Fixed Rate Refi 2025-05-15 7.11%
Sidney 15 Year Fixed Rate 2025-05-15 5.82%
Sidney 15 Year Fixed Rate Refi 2025-05-15 5.82%
Sidney 30 Year FHA 2025-05-15 6.63%
Sidney 30 Year FHA Refi 2025-05-15 6.64%
Sidney 30 Year USDA 2025-05-15 6.28%
Sidney 30 Year USDA Refi 2025-05-15 6.48%
Sidney 30 Year VA 2025-05-15 6.41%
Sidney 30 Year VA Refi 2025-05-15 6.51%
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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
QUICKEN LOANS, LLC 31 6.83% $6,495
Minster Bank 30 6.58% $2,599
U.S. Bank 22 6.92% $3,799
NVR Mortgage Finance, Inc. 18 6.32% $5,782
JPMorgan Chase Bank 16 6.87% $3,616
WRIGHT-PATT CREDIT UNION, INC. 15 6.22% $3,919
The Farmers & Merchants State Bank 15 7.27% $3,949
NATIONS RELIABLE LENDING, LLC 11 6.68% $6,946
Superior Credit Union, Inc. 11 6.63% $3,925
Union Savings Bank 9 7.18% $2,618
Farm Credit Mid-America, ACA 8 6.92% $7,639
HONDA Federal Credit Union 8 6.97% $4,174
UNION HOME MORTGAGE CORP. 6 6.69% $4,062
UNITED WHOLESALE MORTGAGE, LLC 6 7.21% $5,694
Fifth Third Bank 6 6.81% $7,821
The Huntington National Bank 5 6.90% $4,799
UNIVERSAL 1 CREDIT UNION 4 6.47% $3,698
PNC Bank 3 6.63% $3,200
CROSSCOUNTRY MORTGAGE, LLC 3 7.08% $4,545
GUARANTEED RATE, INC. 3 7.00% $4,859
HOMESIDE FINANCIAL, LLC 3 7.04% $5,063
LOANDEPOT.COM, LLC 3 7.13% $4,335
NEWREZ LLC 2 6.88% $3,836
MUTUAL OF OMAHA MORTGAGE, INC. 2 7.88% $5,564
MOVEMENT MORTGAGE, LLC 2 6.56% $4,777
ROYAL UNITED MORTGAGE LLC 2 6.75% $7,039
NAVY FEDERAL CREDIT UNION 1 6.50% $3,639
FREEDOM MORTGAGE CORPORATION 1 7.00% $10,398
PENNYMAC LOAN SERVICES, LLC 1 6.50% $5,999
AMERICAN FINANCING CORPORATION 1 7.13% $11,578
First National Bank of America 1 10.38% $7,245
RAPID MORTGAGE COMPANY 1 5.99% $9,396
RUOFF MORTGAGE COMPANY, INC. 1 7.13% $5,093
First Merchants Bank 1 6.75% $3,732
T2 FINANCIAL LLC 1 7.49% $8,478
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.49% $5,152
The Federal Savings Bank 1 8.13% $5,502
EQUITY RESOURCES, INC. 1 6.25% $3,178
THE MORTGAGE LINK, INC. 1 7.49% $8,396
The Park National Bank 1 6.50% $5,958
Three Rivers Federal Credit Union 1 6.25% $2,798
ENDEAVOR CAPITAL, LLC. 1 6.88% $5,720
Civista Bank 1 6.50% $3,932
Citizens Bank 1 7.25% $3,536
CHURCHILL MORTGAGE CORPORATION 1 6.13% $4,216
BROKER SOLUTIONS, INC. 1 5.88% $7,053
VANDERBILT MORTGAGE AND FINANCE, INC. 1 9.00% $3,910
Merchants Bank of Indiana 1 6.50% $3,586
American Mortgage & Equity Consultants, Inc. 1 6.62% $5,167
Heartland Bank 1 6.50% $3,055
MYCUMORTGAGE, LLC 1 6.13% $7,031
Greenville Federal 1 6.25% $2,001

Sidney Average Closing Costs & Other Stats

Sidney, OH's 52 lenders originated 820 loans during 2024. The total origination value was $137,080,000, with an average loan value of $167,171.

Sidney's average closing costs are $4,729.

The top Sidney lender as defined by loan originations is QUICKEN LOANS, LLC, with 31 loans originated. Their average total fees are $6,495, which is $3,895 higher than the next largest lender, Minster Bank.

The lowest fee Sidney lenders (with over 10 loans originated) are Minster Bank ($2,599), JPMorgan Chase Bank ($3,616), U.S. Bank ($3,799), WRIGHT-PATT CREDIT UNION, INC. ($3,919) and Superior Credit Union, Inc. ($3,925).

The lowest rate Sidney lenders (with over 10 loans originated) are WRIGHT-PATT CREDIT UNION, INC. (6.22%), NVR Mortgage Finance, Inc. (6.32%), Minster Bank (6.58%), Superior Credit Union, Inc. (6.63%) and NATIONS RELIABLE LENDING, LLC (6.68%).

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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
QUICKEN LOANS, LLC $5,665,000 $13,895,000 145.3% 10.1%
NVR Mortgage Finance, Inc. $5,375,000 $9,370,000 74.3% 6.8%
Minster Bank $8,350,000 $8,925,000 6.9% 6.5%
U.S. Bank $9,560,000 $8,870,000 -7.2% 6.5%
The Old Fort Banking Company $6,005,000 n/a 4.4%
Fifth Third Bank $3,510,000 $5,515,000 57.1% 4.0%
Mortgage Research Center, LLC $2,760,000 $5,075,000 83.9% 3.7%
WRIGHT-PATT CREDIT UNION, INC. $3,080,000 $4,985,000 61.9% 3.6%
The Farmers & Merchants State Bank $3,890,000 $4,770,000 22.6% 3.5%
Superior Credit Union, Inc. $3,220,000 $4,100,000 27.3% 3.0%
Union Savings Bank $4,260,000 $3,875,000 -9.0% 2.8%
HONDA Federal Credit Union $2,385,000 $3,855,000 61.6% 2.8%
UNION HOME MORTGAGE CORP. $4,890,000 $3,795,000 -22.4% 2.8%
NATIONS RELIABLE LENDING, LLC $3,285,000 n/a 2.4%
JPMorgan Chase Bank $2,535,000 $2,865,000 13.0% 2.1%
Farm Credit Mid-America, ACA $395,000 $2,805,000 610.1% 2.0%
UNITED WHOLESALE MORTGAGE, LLC $820,000 $2,730,000 232.9% 2.0%
UNIVERSAL 1 CREDIT UNION $1,535,000 $2,310,000 50.5% 1.7%
LOANDEPOT.COM, LLC $2,150,000 $2,065,000 -4.0% 1.5%
Greenville Federal $2,335,000 $2,030,000 -13.1% 1.5%
CROSSCOUNTRY MORTGAGE, LLC $2,815,000 $1,905,000 -32.3% 1.4%
The Huntington National Bank $1,790,000 $1,730,000 -3.4% 1.3%
First Bank Richmond $2,365,000 $1,590,000 -32.8% 1.2%
GUARANTEED RATE, INC. $500,000 $1,555,000 211.0% 1.1%
PENNYMAC LOAN SERVICES, LLC $680,000 $1,450,000 113.2% 1.1%
Greenville National Bank $2,020,000 $1,355,000 -32.9% 1.0%
Mr. Cooper ( Nationstar Mortgage ) $635,000 $1,290,000 103.1% 0.9%
NEWREZ LLC $2,190,000 $1,285,000 -41.3% 0.9%
The Federal Savings Bank $325,000 $1,235,000 280.0% 0.9%
PNC Bank $1,270,000 $1,135,000 -10.6% 0.8%
HOMESIDE FINANCIAL, LLC $155,000 $1,045,000 574.2% 0.8%
POLARIS HOME FUNDING CORP. $255,000 $925,000 262.7% 0.7%
DIRECT MORTGAGE LOANS, LLC $695,000 n/a 0.5%
The Park National Bank $1,590,000 $680,000 -57.2% 0.5%
FREEDOM MORTGAGE CORPORATION $1,020,000 $630,000 -38.2% 0.5%
BROKER SOLUTIONS, INC. $495,000 $615,000 24.2% 0.4%
First Financial Bank $750,000 $600,000 -20.0% 0.4%
AmeriHome Mortgage Company, LLC $550,000 n/a 0.4%
LENDINGHOME FUNDING CORPORATION $220,000 $550,000 150.0% 0.4%
NEW DAY FINANCIAL, LLC $530,000 $550,000 3.8% 0.4%
Carrington Mortgage Services, LLC $280,000 $545,000 94.6% 0.4%
RUOFF MORTGAGE COMPANY, INC. $545,000 n/a 0.4%
American Mortgage & Equity Consultants, Inc. $505,000 n/a 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $435,000 n/a 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $100,000 $425,000 325.0% 0.3%
NORTHERN MORTGAGE SERVICES, LLC $95,000 $425,000 347.4% 0.3%
First Merchants Bank $415,000 n/a 0.3%
HOMEXPRESS MORTGAGE CORP. $405,000 n/a 0.3%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $390,000 n/a 0.3%
ROYAL UNITED MORTGAGE LLC $245,000 $375,000 53.1% 0.3%
LIBERTY HOME MORTGAGE CORPORATION $370,000 n/a 0.3%
21ST MORTGAGE CORPORATION $165,000 $365,000 121.2% 0.3%
Three Rivers Federal Credit Union $365,000 n/a 0.3%
Credence Funding Corporation $345,000 n/a 0.3%
MOVEMENT MORTGAGE, LLC $2,265,000 $340,000 -85.0% 0.2%
NAVY FEDERAL CREDIT UNION $580,000 $335,000 -42.2% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $105,000 $310,000 195.2% 0.2%
Figure Lending LLC $120,000 $305,000 154.2% 0.2%
MYCUMORTGAGE, LLC $105,000 $290,000 176.2% 0.2%
Coastal Community Bank $50,000 $285,000 470.0% 0.2%
T2 FINANCIAL LLC $300,000 $285,000 -5.0% 0.2%
Citizens Bank $105,000 $260,000 147.6% 0.2%
Civista Bank $255,000 n/a 0.2%
AMERICAN FINANCING CORPORATION $245,000 n/a 0.2%
The Farmers State Bank $235,000 n/a 0.2%
THE MORTGAGE LINK, INC. $235,000 n/a 0.2%
VILLAGE CAPITAL MORTGAGE $225,000 n/a 0.2%
The First National Bank of Pandora $220,000 n/a 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $215,000 n/a 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $475,000 $195,000 -58.9% 0.1%
First National Bank of America $185,000 n/a 0.1%
Flagstar Bank, FSB $185,000 n/a 0.1%
Discover Bank $35,000 $175,000 400.0% 0.1%
FINANCE OF AMERICA REVERSE LLC $175,000 n/a 0.1%
RAPID MORTGAGE COMPANY $175,000 n/a 0.1%
Heartland Bank $165,000 n/a 0.1%
TruHome Solutions, LLC $165,000 n/a 0.1%
CMG MORTGAGE, INC. $470,000 $155,000 -67.0% 0.1%
ENDEAVOR CAPITAL, LLC. $155,000 n/a 0.1%
FIRST COMMUNITY MORTGAGE, INC. $155,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $165,000 $145,000 -12.1% 0.1%
Hometown Equity Mortgage, LLC $145,000 n/a 0.1%
EQUITY RESOURCES, INC. $450,000 $135,000 -70.0% 0.1%
Covington Savings and Loan Association $785,000 $120,000 -84.7% 0.1%
Merchants Bank of Indiana $115,000 n/a 0.1%
RF Renovo Management Company, LLC $115,000 n/a 0.1%
Bethpage Federal Credit Union $105,000 n/a 0.1%
Third Federal Savings and Loan Association of Cleveland $375,000 $105,000 -72.0% 0.1%
LIMA ONE CAPITAL, LLC $95,000 n/a 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $165,000 $85,000 -48.5% 0.1%
AMERISAVE MORTGAGE CORPORATION $645,000 $75,000 -88.4% 0.1%
ASHLAND Credit Union $65,000 n/a 0.0%
Beeline Loans, Inc. $65,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $115,000 $65,000 -43.5% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $45,000 n/a 0.0%
LAKEVIEW LOAN SERVICING, LLC $240,000 $35,000 -85.4% 0.0%
SPRING EQ, LLC $130,000 $35,000 -73.1% 0.0%
TRIAD FINANCIAL SERVICES, INC. $35,000 n/a 0.0%
AURGROUP FINANCIAL CREDIT UNION, INC. $25,000 n/a 0.0%
GENERAL ELECTRIC CREDIT UNION $490,000 $15,000 -96.9% 0.0%
CODE $5,000 n/a 0.0%

Sidney's top lender by overall market share is QUICKEN LOANS, LLC, with 10.1% market share. In second place, with 6.8%, is NVR Mortgage Finance, Inc., having originated $9,370,000 in loans. In third place, with 6.5%, is Minster Bank, having originated $8,925,000 in loans. In fourth place, with 6.5%, is U.S. Bank, having originated $8,870,000 in loans. In fifth place, with 4.4%, is The Old Fort Banking Company, having originated $6,005,000 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 (13.5%) $174,764 (17.6%) 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 $256,248 (46.1%) $283,777 (31.2%) 0.00 64
2022-12-01 $269,000 (59.4%) $287,339 (33.8%) 0.00 57
2023-01-01 $249,000 (78.0%) $275,529 (50.2%) 0.00 56
2023-02-01 $249,000 (82.1%) $270,510 (58.9%) 0.00 55
2023-03-01 $260,325 (75.4%) $281,198 (76.7%) 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
2023-09-01 $257,900 (16.6%) $291,208 (8.3%) 0.00 44
2023-10-01 $237,000 (0.2%) $290,860 (5.8%) 0.00 54
2023-11-01 $227,500 (-11.2%) $278,859 (-1.7%) 0.00 53
2023-12-01 $219,900 (-18.3%) $264,989 (-7.8%) 0.00 60
2024-01-01 $216,198 (-13.2%) $270,171 (-1.9%) 0.00 55
2024-02-01 $226,000 (-9.2%) $282,784 (4.5%) 0.00 45
2024-03-01 $239,900 (-7.9%) $278,282 (-1.0%) 0.00 43
2024-04-01 $249,950 (0.1%) $293,471 (7.9%) 0.00 47
2024-05-01 $252,093 (1.0%) $301,862 (6.8%) 0.00 41
2024-06-01 $265,000 (-6.7%) $315,105 (6.8%) 0.00 44
2024-07-01 $252,450 (1.4%) $305,290 (8.0%) 0.00 49
2024-08-01 $258,245 (7.6%) $315,168 (17.6%) 0.00 56
2024-09-01 $234,725 (-9.0%) $290,164 (-0.4%) 0.00 59
2024-10-01 $243,225 (2.6%) $293,096 (0.8%) 0.00 66
2024-11-01 $252,450 (11.0%) $293,186 (5.1%) 0.00 69
2024-12-01 $267,400 (21.6%) $309,281 (16.7%) 0.00 65
2025-01-01 $270,975 (25.3%) $312,052 (15.5%) 0.00 65
2025-02-01 $274,875 (21.6%) $311,538 (10.2%) 0.00 75
2025-03-01 $264,950 (10.4%) $305,419 (9.8%) 0.00 65
2025-04-01 $267,450 (7.0%) $293,836 (0.1%) 0.00 69
Sidney's median listing price for 2025-04-01 was $267,450, a difference of $17,500 (7.0%) versus the prior year and $2,500 versus the prior month.

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

Sidney's average listing price for 2025-04-01 was $293,836, a difference of $365 (0.1%) versus the prior year and $-11,583 versus the prior month.

For the 2025-04-01 period, Sidney had 69 MLS listings, a difference of 4 listings (6%) versus the prior month and 22 listings (47%) 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 1,695 sqft
2018-02-01 0 days 1,703 sqft
2018-03-01 0 days 1,792 sqft
2018-04-01 0 days 1,775 sqft
2018-05-01 0 days 1,828 sqft
2018-06-01 0 days 1,810 sqft
2018-07-01 0 days 1,783 sqft
2018-08-01 0 days 1,732 sqft
2018-09-01 0 days 1,806 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 1,668 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 1,703 sqft
2020-11-01 0 days 1,674 sqft
2020-12-01 0 days 1,776 sqft
2021-01-01 0 days 1,751 sqft
2021-02-01 0 days 1,901 sqft
2021-03-01 0 days 1,759 sqft
2021-04-01 0 days 1,712 sqft
2021-05-01 0 days 1,752 sqft
2021-06-01 0 days 1,744 sqft
2021-07-01 0 days 1,724 sqft
2021-08-01 0 days 1,740 sqft
2021-09-01 0 days 1,713 sqft
2021-10-01 0 days 1,701 sqft
2021-11-01 0 days 1,677 sqft
2021-12-01 0 days 1,596 sqft
2022-01-01 0 days 1,596 sqft
2022-02-01 0 days 1,649 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 1,850 sqft
2022-12-01 0 days 1,999 sqft
2023-01-01 0 days 1,842 sqft
2023-02-01 0 days 1,798 sqft
2023-03-01 0 days 1,886 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
2023-09-01 0 days 1,871 sqft
2023-10-01 0 days 1,881 sqft
2023-11-01 0 days 1,800 sqft
2023-12-01 0 days 1,654 sqft
2024-01-01 0 days 1,653 sqft
2024-02-01 0 days 1,756 sqft
2024-03-01 0 days 1,690 sqft
2024-04-01 0 days 1,695 sqft
2024-05-01 0 days 1,658 sqft
2024-06-01 0 days 1,684 sqft
2024-07-01 0 days 1,691 sqft
2024-08-01 0 days 1,792 sqft
2024-09-01 0 days 1,713 sqft
2024-10-01 0 days 1,702 sqft
2024-11-01 0 days 1,677 sqft
2024-12-01 0 days 1,617 sqft
2025-01-01 0 days 1,648 sqft
2025-02-01 0 days 1,655 sqft
2025-03-01 0 days 1,617 sqft
2025-04-01 0 days 1,631 sqft
Sidney's median listing age (time on market) for 2025-04-01 was 0 days.

Sidney's median square footage for active listings during the 2025-04-01 period was 1,631 sqft. One year prior, the average listing was 1,695 sqft.

Sidney, OH Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 408 $88,050,000 $215,809
Cash Out Refi 139 $19,385,000 $139,460
Other 103 $6,235,000 $60,534
Home Improvement 93 $11,635,000 $125,108
Refi 77 $11,775,000 $152,922

Sidney's most frequently cited loan purpose was Home Purchase, with 408 originations. The 2nd most popular reason was Cash Out Refi, with 139 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 313 $65,195,000 $208,291
Over 8% 221 $16,375,000 $74,095
7-8% 154 $25,380,000 $164,805
5-6% 92 $19,490,000 $211,848
<2.5% 5 $145,000 $29,000
4-5% 3 $745,000 $248,333
3-4% 1 $215,000 $215,000

During 2024, Sidney's most frequently originated rate bucket was 6-7%, with 313 originations.

Loan Sizing (Sidney, OH MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 300 $45,020,000 $150,067
$100,000 or less 276 $14,190,000 $51,413
$200k-400k 213 $56,975,000 $267,488
$400k-600k 28 $13,490,000 $481,786
$600k-1000k 2 $1,400,000 $700,000
$Over $1MM 1 $6,005,000 $6,005,000

Sidney's loan sizing saw the bucket of loans from $100k-200k with 300 originations, totaling $45,020,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 297 $67,475,000 $227,189
60-80% 162 $31,650,000 $195,370
Under 20% 120 $4,440,000 $37,000
20-40% 119 $10,045,000 $84,412
40-60% 75 $10,465,000 $139,533
Over 100% 7 $1,485,000 $212,143

Sidney's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 297 originations, totaling $67,475,000 in origination value.