Sidney Mortgage Rates & Closing Costs

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  • Trends
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  • Loan Attributes
    • 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.