Sidney Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Sidney averaged 6.84% for the week of 2024-04-18, compared to the national average of 7.1% for the same period.

    The average rate for the prior week (2024-04-11) was 6.62% and one month ago for the week of 2024-03-14, the average rate was 6.78%.

    Sidney's average rate one year ago was 6.41%.

    For refis of the same type during the week of 2024-04-18, the average rate was 7.5%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-04-18 7.1%
    Sidney 30 Year Fixed Rate 2024-04-18 6.84%
    Sidney 30 Year Fixed Rate Refi 2024-04-18 7.5%
    Sidney 15 Year Fixed Rate 2024-04-18 6.29%
    Sidney 15 Year Fixed Rate Refi 2024-04-18 6.89%
    Sidney 30 Year FHA 2024-04-18 6.64%
    Sidney 30 Year FHA Refi 2024-04-18 6.76%
    Sidney 30 Year USDA 2024-04-18 6.86%
    Sidney 30 Year USDA Refi 2024-04-18 6.86%
    Sidney 30 Year VA 2024-04-18 6.76%
    Sidney 30 Year VA Refi 2024-04-18 6.66%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Western Ohio Mortgage Corporation 32 7.00% $4,837
    Minster Bank 28 6.53% $2,055
    U.S. Bank 25 6.78% $3,658
    JPMorgan Chase Bank 14 6.88% $3,329
    QUICKEN LOANS, LLC 14 7.00% $5,589
    Union Savings Bank 13 6.61% $1,839
    The Farmers & Merchants State Bank 12 7.00% $4,059
    UNION HOME MORTGAGE CORP. 12 6.92% $7,184
    First Bank Richmond 11 6.25% $4,024
    NVR Mortgage Finance, Inc. 9 5.74% $3,098
    WRIGHT-PATT CREDIT UNION, INC. 8 6.70% $2,842
    Fifth Third Bank 8 6.90% $3,712
    Superior Credit Union, Inc. 8 6.89% $3,032
    MOVEMENT MORTGAGE, LLC 6 6.88% $6,334
    The Park National Bank 5 6.83% $4,402
    The Huntington National Bank 5 6.93% $6,679
    LOANDEPOT.COM, LLC 4 7.56% $5,163
    CROSSCOUNTRY MORTGAGE, LLC 4 7.14% $5,267
    PNC Bank 3 6.17% $4,137
    Mortgage Research Center, LLC 3 7.16% $4,205
    Farm Credit Mid-America, ACA 2 6.69% $4,818
    PENNYMAC LOAN SERVICES, LLC 2 7.25% $3,574
    FREEDOM MORTGAGE CORPORATION 2 7.63% $6,416
    Mr. Cooper ( Nationstar Mortgage ) 2 6.50% $6,958
    HONDA Federal Credit Union 2 7.88% $3,448
    AMERISAVE MORTGAGE CORPORATION 2 6.56% $8,997
    T2 FINANCIAL LLC 2 6.13% $5,126
    MUTUAL OF OMAHA MORTGAGE, INC. 2 7.12% $4,421
    First Financial Bank 2 5.88% $4,508
    Greenville Federal 2 6.25% $2,819
    THRIVE MORTGAGE, LLC 2 7.19% $7,416
    Eagle Savings Bank 1 7.25% $1,856
    DAS Acquisition Company, LLC 1 6.88% $4,249
    The Middlefield Banking Company 1 6.63% $5,161
    The Union Bank Company 1 7.00% $4,248
    Third Federal Savings and Loan Association of Cleveland 1 5.04% $3,396
    Truist 1 7.50% $5,573
    GENERAL ELECTRIC CREDIT UNION 1 5.63% $2,648
    UNITED WHOLESALE MORTGAGE, LLC 1 5.87% $7,544
    UNIVERSAL 1 CREDIT UNION 1 7.38% $3,199
    BROKER SOLUTIONS, INC. 1 6.63% $6,063
    BETTER MORTGAGE CORPORATION 1 6.38% $2,596
    CMG MORTGAGE, INC. 1 5.75% $6,755
    GUARANTEED RATE, INC. 1 5.50% $4,523
    HOMESIDE FINANCIAL, LLC 1 7.50% $5,862
    HOWARD HANNA FINANCIAL SERVICES, INC. 1 7.25% $4,930
    KEMBA FINANCIAL 1 5.75% $3,949
    KeyBank 1 6.38% $4,266
    LAKEVIEW LOAN SERVICING, LLC 1 6.99% $7,120
    LAND HOME FINANCIAL SERVICES, INC. 1 7.50% $3,961
    MORTGAGE ACCESS CORP. 1 6.38% $7,641
    21ST MORTGAGE CORPORATION 1 8.60% $4,780
    M&T Bank 1 6.38% $6,016
    NAVY FEDERAL CREDIT UNION 1 5.88% $3,511
    NEWREZ LLC 1 7.50% $3,144
    NFM, INC. 1 8.50% $4,759
    EQUITY RESOURCES, INC. 1 6.25% $2,895
    Raymond James Bank 1 4.50% $3,644
    ROYAL UNITED MORTGAGE LLC 1 6.50% $7,893

    Sidney Average Closing Costs & Other Stats

    Sidney, OH's 59 lenders originated 817 loans during 2023. The total origination value was $123,605,000, with an average loan value of $151,291.

    Sidney's average closing costs are $4,546.

    The top Sidney lender as defined by loan originations is Western Ohio Mortgage Corporation, with 32 loans originated. Their average total fees are $4,837, which is $2,783 higher than the next largest lender, Minster Bank.

    The lowest fee Sidney lenders (with over 10 loans originated) are Union Savings Bank ($1,839), Minster Bank ($2,055), JPMorgan Chase Bank ($3,329), U.S. Bank ($3,658) and First Bank Richmond ($4,024).

    The lowest rate Sidney lenders (with over 10 loans originated) are First Bank Richmond (6.25%), Minster Bank (6.53%), Union Savings Bank (6.61%), U.S. Bank (6.78%) and JPMorgan Chase Bank (6.88%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    Western Ohio Mortgage Corporation $18,440,000 n/a 14.9%
    U.S. Bank $15,395,000 $9,560,000 -37.9% 7.7%
    Minster Bank $6,765,000 $8,350,000 23.4% 6.8%
    QUICKEN LOANS, LLC $10,600,000 $5,665,000 -46.6% 4.6%
    NVR Mortgage Finance, Inc. $1,215,000 $5,375,000 342.4% 4.3%
    UNION HOME MORTGAGE CORP. $3,915,000 $4,890,000 24.9% 4.0%
    Union Savings Bank $3,880,000 $4,260,000 9.8% 3.4%
    The Farmers & Merchants State Bank $8,200,000 $3,890,000 -52.6% 3.1%
    Fifth Third Bank $7,360,000 $3,510,000 -52.3% 2.8%
    Superior Credit Union, Inc. $2,885,000 $3,220,000 11.6% 2.6%
    WRIGHT-PATT CREDIT UNION, INC. $2,610,000 $3,080,000 18.0% 2.5%
    CROSSCOUNTRY MORTGAGE, LLC $2,765,000 $2,815,000 1.8% 2.3%
    Mortgage Research Center, LLC $1,955,000 $2,760,000 41.2% 2.2%
    JPMorgan Chase Bank $4,920,000 $2,535,000 -48.5% 2.1%
    HONDA Federal Credit Union $8,495,000 $2,385,000 -71.9% 1.9%
    First Bank Richmond $3,030,000 $2,365,000 -21.9% 1.9%
    Greenville Federal $880,000 $2,335,000 165.3% 1.9%
    MOVEMENT MORTGAGE, LLC $1,005,000 $2,265,000 125.4% 1.8%
    NEWREZ LLC $1,130,000 $2,190,000 93.8% 1.8%
    LOANDEPOT.COM, LLC $2,520,000 $2,150,000 -14.7% 1.7%
    Greenville National Bank $990,000 $2,020,000 104.0% 1.6%
    The Huntington National Bank $1,745,000 $1,790,000 2.6% 1.4%
    THRIVE MORTGAGE, LLC $510,000 $1,680,000 229.4% 1.4%
    The Park National Bank $820,000 $1,590,000 93.9% 1.3%
    UNIVERSAL 1 CREDIT UNION $3,300,000 $1,535,000 -53.5% 1.2%
    PNC Bank $1,740,000 $1,270,000 -27.0% 1.0%
    FREEDOM MORTGAGE CORPORATION $1,140,000 $1,020,000 -10.5% 0.8%
    UNITED WHOLESALE MORTGAGE, LLC $1,370,000 $820,000 -40.1% 0.7%
    Covington Savings and Loan Association $785,000 n/a 0.6%
    CARDINAL FINANCIAL $760,000 n/a 0.6%
    First Financial Bank $255,000 $750,000 194.1% 0.6%
    PENNYMAC LOAN SERVICES, LLC $1,305,000 $680,000 -47.9% 0.6%
    AMERISAVE MORTGAGE CORPORATION $1,090,000 $645,000 -40.8% 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $510,000 $635,000 24.5% 0.5%
    AG Credit, Agricultural Credit Association $625,000 n/a 0.5%
    NAVY FEDERAL CREDIT UNION $320,000 $580,000 81.3% 0.5%
    NEW DAY FINANCIAL, LLC $195,000 $530,000 171.8% 0.4%
    GUARANTEED RATE, INC. $500,000 n/a 0.4%
    BROKER SOLUTIONS, INC. $495,000 n/a 0.4%
    GENERAL ELECTRIC CREDIT UNION $490,000 n/a 0.4%
    MUTUAL OF OMAHA MORTGAGE, INC. $75,000 $475,000 533.3% 0.4%
    CMG MORTGAGE, INC. $470,000 n/a 0.4%
    EQUITY RESOURCES, INC. $1,640,000 $450,000 -72.6% 0.4%
    BNC National Bank $435,000 n/a 0.4%
    KeyBank $225,000 $420,000 86.7% 0.3%
    Farm Credit Mid-America, ACA $2,860,000 $395,000 -86.2% 0.3%
    Truist $75,000 $395,000 426.7% 0.3%
    GUILD MORTGAGE COMPANY $215,000 $390,000 81.4% 0.3%
    Raymond James Bank $375,000 n/a 0.3%
    Third Federal Savings and Loan Association of Cleveland $260,000 $375,000 44.2% 0.3%
    The Sherwood State Bank $335,000 n/a 0.3%
    RELIANCE FIRST CAPITAL, LLC $400,000 $325,000 -18.8% 0.3%
    The Federal Savings Bank $245,000 $325,000 32.7% 0.3%
    T2 FINANCIAL LLC $240,000 $300,000 25.0% 0.2%
    LAND HOME FINANCIAL SERVICES, INC. $295,000 n/a 0.2%
    Carrington Mortgage Services, LLC $715,000 $280,000 -60.8% 0.2%
    SUN WEST MORTGAGE COMPANY, INC. $275,000 n/a 0.2%
    POLARIS HOME FUNDING CORP. $255,000 n/a 0.2%
    ROYAL UNITED MORTGAGE LLC $75,000 $245,000 226.7% 0.2%
    LAKEVIEW LOAN SERVICING, LLC $465,000 $240,000 -48.4% 0.2%
    BETTER MORTGAGE CORPORATION $235,000 n/a 0.2%
    MORTGAGE ACCESS CORP. $235,000 n/a 0.2%
    The Middlefield Banking Company $225,000 n/a 0.2%
    The Union Bank Company $955,000 $225,000 -76.4% 0.2%
    LENDINGHOME FUNDING CORPORATION $220,000 n/a 0.2%
    Bank of England $555,000 $205,000 -63.1% 0.2%
    NFM, INC. $205,000 n/a 0.2%
    Eagle Savings Bank $185,000 n/a 0.1%
    LOANPAL, LLC $185,000 n/a 0.1%
    First Federal Bank of the Midwest $55,000 $175,000 218.2% 0.1%
    TOWNE MORTGAGE COMPANY $175,000 n/a 0.1%
    21ST MORTGAGE CORPORATION $165,000 n/a 0.1%
    CHURCHILL MORTGAGE CORPORATION $145,000 $165,000 13.8% 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $430,000 $165,000 -61.6% 0.1%
    HOMESIDE FINANCIAL, LLC $465,000 $155,000 -66.7% 0.1%
    DRAPER AND KRAMER MORTGAGE CORP. $130,000 n/a 0.1%
    SPRING EQ, LLC $130,000 $130,000 0.0% 0.1%
    HOWARD HANNA FINANCIAL SERVICES, INC. $105,000 $125,000 19.0% 0.1%
    USAA Federal Savings Bank $125,000 n/a 0.1%
    Figure Lending LLC $155,000 $120,000 -22.6% 0.1%
    KEMBA FINANCIAL $230,000 $115,000 -50.0% 0.1%
    TOP FLITE FINANCIAL, INC. $195,000 $115,000 -41.0% 0.1%
    Citizens Bank $105,000 n/a 0.1%
    M&T Bank $175,000 $105,000 -40.0% 0.1%
    MYCUMORTGAGE, LLC $225,000 $105,000 -53.3% 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $850,000 $105,000 -87.6% 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $100,000 n/a 0.1%
    Countybank $95,000 n/a 0.1%
    NORTHERN MORTGAGE SERVICES, LLC $440,000 $95,000 -78.4% 0.1%
    GREENSTATE CREDIT UNION $90,000 n/a 0.1%
    First Commonwealth Bank $85,000 n/a 0.1%
    Day Air Credit Union, Inc $80,000 n/a 0.1%
    First Federal Community Bank of Bucyrus $75,000 n/a 0.1%
    DAS Acquisition Company, LLC $990,000 $55,000 -94.4% 0.0%
    Coastal Community Bank $50,000 n/a 0.0%
    First Bank of Berne $55,000 $45,000 -18.2% 0.0%
    PENTAGON FEDERAL CREDIT UNION $45,000 n/a 0.0%
    Discover Bank $200,000 $35,000 -82.5% 0.0%
    BMI Federal Credit Union $25,000 n/a 0.0%
    Centier Bank $25,000 n/a 0.0%
    CITIZENS EQUITY FIRST $25,000 n/a 0.0%
    Home Loan Investment Bank, F.S.B. $15,000 n/a 0.0%

    Sidney's top lender by overall market share is Western Ohio Mortgage Corporation, with 14.9% market share. In second place, with 7.7%, is U.S. Bank, having originated $9,560,000 in loans. In third place, with 6.8%, is Minster Bank, having originated $8,350,000 in loans. In fourth place, with 4.6%, is QUICKEN LOANS, LLC, having originated $5,665,000 in loans. In fifth place, with 4.3%, is NVR Mortgage Finance, Inc., having originated $5,375,000 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 $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
    Sidney's median listing price for 2024-03-01 was $239,900, a difference of $-20,425 (-7.9%) versus the prior year and $13,900 versus the prior month.

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

    Sidney's average listing price for 2024-03-01 was $278,282, a difference of $-2,916 (-1.0%) versus the prior year and $-4,502 versus the prior month.

    For the 2024-03-01 period, Sidney had 43 MLS listings, a difference of -2 listings (-4%) versus the prior month and 5 listings (13%) 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 1,699 sqft
    2018-03-01 0 days 1,765 sqft
    2018-04-01 0 days 1,746 sqft
    2018-05-01 0 days 1,810 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 1,661 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 1,759 sqft
    2021-04-01 0 days 1,711 sqft
    2021-05-01 0 days 1,768 sqft
    2021-06-01 0 days 1,754 sqft
    2021-07-01 0 days 1,728 sqft
    2021-08-01 0 days 1,746 sqft
    2021-09-01 0 days 1,718 sqft
    2021-10-01 0 days 1,704 sqft
    2021-11-01 0 days 1,677 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 1,847 sqft
    2022-12-01 0 days 1,984 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 1,812 sqft
    2023-12-01 0 days 1,677 sqft
    2024-01-01 0 days 1,682 sqft
    2024-02-01 0 days 1,785 sqft
    2024-03-01 0 days 1,712 sqft
    Sidney's median listing age (time on market) for 2024-03-01 was 0 days.

    Sidney's median square footage for active listings during the 2024-03-01 period was 1,712 sqft. One year prior, the average listing was 1,886 sqft.

    Sidney, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 448 $87,530,000 $195,379
    Cash Out Refi 133 $19,615,000 $147,481
    Home Improvement 100 $5,610,000 $56,100
    Other 83 $5,105,000 $61,506
    Refi 53 $5,745,000 $108,396

    Sidney's most frequently cited loan purpose was Home Purchase, with 448 originations. The 2nd most popular reason was Cash Out Refi, with 133 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 311 $55,425,000 $178,215
    7-8% 211 $31,405,000 $148,839
    Over 8% 174 $11,950,000 $68,678
    5-6% 96 $18,740,000 $195,208
    4-5% 11 $2,645,000 $240,455
    <2.5% 1 $5,000 $5,000

    During 2023, Sidney's most frequently originated rate bucket was 6-7%, with 311 originations.

    Loan Sizing (Sidney, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 308 $44,880,000 $145,714
    $100,000 or less 294 $15,360,000 $52,245
    $200k-400k 191 $50,615,000 $265,000
    $400k-600k 18 $8,330,000 $462,778
    $600k-1000k 6 $4,420,000 $736,667

    Sidney's loan sizing saw the bucket of loans from $100k-200k with 308 originations, totaling $44,880,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 339 $65,835,000 $194,204
    60-80% 148 $29,300,000 $197,973
    20-40% 119 $8,585,000 $72,143
    Under 20% 112 $4,180,000 $37,321
    40-60% 70 $10,150,000 $145,000
    Over 100% 13 $2,175,000 $167,308

    Sidney's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 339 originations, totaling $65,835,000 in origination value.