UTICA - ROME Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Utica - Rome averaged 6.68% for the week of 2023-03-16, compared to the national average of 6.6% for the same period.

The average rate for the prior week (2023-03-09) was 6.91% and one month ago for the week of 2023-02-09, the average rate was 6.4%.

Utica - Rome's average rate one year ago was 4.13%.

For refis of the same type during the week of 2023-03-16, the average rate was 7.09%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-03-16 6.6%
Utica - Rome 30 Year Fixed Rate 2023-03-16 6.68%
Utica - Rome 30 Year Fixed Rate Refi 2023-03-16 7.09%
Utica - Rome 15 Year Fixed Rate 2023-03-16 6.37%
Utica - Rome 15 Year Fixed Rate Refi 2023-03-16 6.14%
Utica - Rome 30 Year FHA 2023-03-16 6.59%
Utica - Rome 30 Year FHA Refi 2023-03-16 6.72%
Utica - Rome 30 Year USDA 2023-03-16 6.77%
Utica - Rome 30 Year USDA Refi 2023-03-16 6.34%
Utica - Rome 30 Year VA 2023-03-16 6.6%
Utica - Rome 30 Year VA Refi 2023-03-16 6.21%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within UTICA-ROME, NY.

UTICA - ROME 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 UTICA-ROME, NY 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 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
AMERICU Credit Union 377 3.52% $3,525
QUICKEN LOANS, LLC 224 3.21% $5,267
CCFCU FUNDING, LLC 146 3.16% $3,165
PLAZA HOME MORTGAGE, INC. 125 3.01% $6,780
HOMESTEAD FUNDING CORP. 116 3.17% $3,262
NBT Bank 113 3.01% $3,678
Community Bank 97 3.58% $764
Adirondack Bank 94 3.06% $4,165
KeyBank 92 2.99% $3,464
Premium Mortgage Corporation 89 3.13% $3,189
PARAGON HOME LOANS INC. 69 3.03% $3,587
M&T Bank 59 3.24% $4,240
OWNERSCHOICE FUNDING, INCORPORATED 52 3.16% $3,510
Wells Fargo Bank 40 3.23% $4,167
SEFCU SERVICES, LLC 38 3.09% $3,068
HUNT MORTGAGE CORPORATION 31 3.23% $4,191
GUARANTEED RATE, INC. 29 3.18% $4,488
PRIMELENDING, A PLAINSCAPITAL COMPANY 27 3.12% $4,493
Berkshire Bank 26 3.12% $3,595
Empower Federal Credit Union 25 3.15% $4,140
FIRST SOURCE 24 4.49% $3,038
UNITED WHOLESALE MORTGAGE, LLC 24 2.98% $7,028
Farm Credit East, ACA 23 3.67% $6,218
MOVEMENT MORTGAGE, LLC 22 3.19% $4,305
Bank of America 20 2.84% $3,151
Mr. Cooper ( Nationstar Mortgage ) 19 3.49% $5,077
1ST PRIORITY MORTGAGE, INC. 19 2.99% $3,461
Citizens Bank 18 3.13% $3,536
COMMONFUND MORTGAGE CORP. 15 3.13% $3,891
Genesee Regional Bank 13 3.66% $5,412
HOME POINT FINANCIAL CORPORATION 13 3.27% $5,114
ROYAL UNITED MORTGAGE LLC 11 3.52% $5,693
LOANDEPOT.COM, LLC 11 3.05% $5,035
BETTER MORTGAGE CORPORATION 9 2.82% $4,882
JPMorgan Chase Bank 9 3.29% $3,035
NAVY FEDERAL CREDIT UNION 9 4.00% $4,178
Colonial Savings, F.A. 8 3.17% $2,335
GPO Federal Credit Union 8 3.39% $2,829
NEWREZ LLC 7 3.63% $4,211
NORTHERN CREDIT UNION 7 3.36% $2,670
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 6 3.10% $6,850
CROSSCOUNTRY MORTGAGE, LLC 5 3.30% $5,178
HOME TOWN FUNDING, INC. 4 2.97% $2,712
CALIBER HOME LOANS, INC. 4 3.40% $5,651
Pathfinder Bank 4 3.28% $2,663
Geddes Federal Savings and Loan Association 3 3.00% $3,531
Carrington Mortgage Services, LLC 3 3.08% $5,959
LAND HOME FINANCIAL SERVICES, INC. 3 3.00% $4,070
Quontic Bank 3 4.42% $8,102
AMERICAN FINANCING CORPORATION 3 3.17% $6,101
TD Bank 3 2.96% $5,002
The Federal Savings Bank 3 3.13% $9,126
EMBRACE HOME LOANS, INC. 3 3.25% $6,254
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 3.06% $3,721
NATIONWIDE MORTGAGE BANKERS, INC. 2 3.31% $7,389
ABSOLUTE HOME MORTGAGE CORPORATION 2 3.69% $4,931
MLB RESIDENTIAL LENDING, LLC 2 3.31% $7,991
InterContinental Capital Group, Inc 2 3.50% $5,118
US MORTGAGE CORPORATION 2 3.00% $4,862
FREEDOM MORTGAGE CORPORATION 2 3.19% $3,388
Fifth Third Bank 2 3.18% $4,289
Bank of England 1 3.25% $4,996
Santander Bank, N.A. 1 3.88% $3,038
SUNMARK FEDERAL CREDIT UNION 1 2.88% $2,656
Tompkins Trust Company 1 3.00% $2,682
FM Home Loans, LLC 1 2.88% $8,677
UNITED MORTGAGE CORP. 1 3.63% $6,244
A&D Mortgage LLC 1 4.99% $12,388
Unity Bank 1 3.25% $4,122
U.S. Bank 1 3.13% $4,196
UIF CORPORATION 1 2.88% $4,943
Goldman Sachs Bank USA 1 2.63% $6,422
FINANCE OF AMERICA MORTGAGE LLC 1 3.13% $5,278
GUIDANCE RESIDENTIAL, LLC 1 3.13% $4,859
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.75% $5,177
Discover Bank 1 4.49% $0
Magnolia Bank 1 3.25% $5,768
Meridian Bank Corporation 1 3.00% $7,089
Metro City Bank 1 4.63% $5,724
Morgan Stanley Private Bank 1 2.75% $6,358
Mortgage Network, Inc. 1 2.88% $5,264
Mortgage Research Center, LLC 1 3.13% $4,321
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 3.00% $3,323
CONTOUR MORTGAGE CORPORATION 1 2.88% $5,879
Wilmington Savings Fund Society, FSB 1 3.50% $3,317
City National Bank of Florida 1 3.63% $5,515
NJ LENDERS CORP. 1 2.88% $4,266
Northpointe Bank 1 3.50% $3,547
Northwest Bank 1 2.88% $6,426
NP, Inc. 1 4.13% $3,994
Charles Schwab Bank, SSB 1 3.00% $7,990
PNC Bank 1 3.50% $4,678
PREMIA MORTGAGE, LLC 1 2.99% $2,805
Bethpage Federal Credit Union 1 2.75% $6,241
Barrington Bank & Trust Company, N.A. 1 3.38% $5,044

UTICA - ROME Average Closing Costs & Other Stats

UTICA-ROME, NY's 95 lenders originated 7,348 loans during 2021. The total origination value was $1,101,850,000, with an average loan value of $149,952.

UTICA - ROME's average closing costs are $4,442.

The top UTICA - ROME lender as defined by loan originations is AMERICU Credit Union, with 377 loans originated. Their average total fees are $3,525, which is $1,742 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee UTICA - ROME lenders (with over 10 loans originated) are Community Bank ($764), FIRST SOURCE ($3,038), SEFCU SERVICES, LLC ($3,068), Bank of America ($3,151) and CCFCU FUNDING, LLC ($3,165).

The lowest rate UTICA - ROME lenders (with over 10 loans originated) are Bank of America (2.84%), UNITED WHOLESALE MORTGAGE, LLC (2.98%), KeyBank (2.99%), 1ST PRIORITY MORTGAGE, INC. (2.99%) and PLAZA HOME MORTGAGE, INC. (3.01%).

UTICA-ROME, NY 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
FIRST SOURCE $34,895,000 $117,635,000 237.1% 10.7%
QUICKEN LOANS, LLC $70,555,000 $109,450,000 55.1% 9.9%
AMERICU Credit Union $105,765,000 $106,680,000 0.9% 9.7%
PLAZA HOME MORTGAGE, INC. $43,295,000 $61,320,000 41.6% 5.6%
Adirondack Bank $54,930,000 $60,095,000 9.4% 5.5%
NBT Bank $39,195,000 $56,635,000 44.5% 5.1%
CCFCU FUNDING, LLC $48,015,000 $43,185,000 -10.1% 3.9%
KeyBank $32,650,000 $41,535,000 27.2% 3.8%
HOMESTEAD FUNDING CORP. $34,210,000 $39,930,000 16.7% 3.6%
Manufacturers and Traders Trust Company $25,980,000 $39,530,000 52.2% 3.6%
Community Bank $52,355,000 $39,440,000 -24.7% 3.6%
Premium Mortgage Corporation $6,465,000 $27,710,000 328.6% 2.5%
PARAGON HOME LOANS INC. $20,575,000 $25,235,000 22.6% 2.3%
GPO Federal Credit Union $19,930,000 $23,275,000 16.8% 2.1%
Five Star Bank $10,605,000 $16,660,000 57.1% 1.5%
Citizens Bank $9,820,000 $15,010,000 52.9% 1.4%
OWNERSCHOICE FUNDING, INCORPORATED $14,600,000 $14,405,000 -1.3% 1.3%
Wells Fargo Bank $9,275,000 $12,475,000 34.5% 1.1%
Mr. Cooper ( Nationstar Mortgage ) $7,885,000 $11,210,000 42.2% 1.0%
SEFCU SERVICES, LLC $8,995,000 $10,235,000 13.8% 0.9%
Berkshire Bank $10,605,000 $9,905,000 -6.6% 0.9%
PRIMELENDING, A PLAINSCAPITAL COMPANY $8,400,000 $9,130,000 8.7% 0.8%
HUNT MORTGAGE CORPORATION $8,280,000 $9,025,000 9.0% 0.8%
Empower Federal Credit Union $8,490,000 $8,515,000 0.3% 0.8%
MOVEMENT MORTGAGE, LLC $7,375,000 $8,280,000 12.3% 0.8%
GUARANTEED RATE, INC. $2,535,000 $7,775,000 206.7% 0.7%
Farm Credit East, ACA $5,930,000 $7,685,000 29.6% 0.7%
UNITED WHOLESALE MORTGAGE, LLC $7,715,000 $7,540,000 -2.3% 0.7%
COMMONFUND MORTGAGE CORP. $8,415,000 $7,490,000 -11.0% 0.7%
NAVY FEDERAL CREDIT UNION $4,610,000 $7,470,000 62.0% 0.7%
Genesee Regional Bank $3,960,000 $7,030,000 77.5% 0.6%
GREYSTONE SERVICING COMPANY LLC $26,855,000 $6,955,000 -74.1% 0.6%
Bank of America $4,495,000 $6,425,000 42.9% 0.6%
LOANDEPOT.COM, LLC $3,870,000 $6,245,000 61.4% 0.6%
Mortgage Research Center, LLC $4,650,000 $6,235,000 34.1% 0.6%
HOME POINT FINANCIAL CORPORATION $5,180,000 $5,550,000 7.1% 0.5%
Geddes Federal Savings and Loan Association $1,755,000 $5,380,000 206.6% 0.5%
USAA Federal Savings Bank $5,845,000 $4,980,000 -14.8% 0.5%
FREEDOM MORTGAGE CORPORATION $1,335,000 $4,295,000 221.7% 0.4%
1ST PRIORITY MORTGAGE, INC. $11,910,000 $4,275,000 -64.1% 0.4%
Barrington Bank & Trust Company, N.A. $1,280,000 $4,040,000 215.6% 0.4%
Colonial Savings, F.A. $215,000 $3,950,000 1,737.2% 0.4%
JPMorgan Chase Bank $3,330,000 $3,740,000 12.3% 0.3%
NEWREZ LLC $2,500,000 $3,735,000 49.4% 0.3%
BETTER MORTGAGE CORPORATION $1,140,000 $3,730,000 227.2% 0.3%
Pathfinder Bank $1,840,000 $3,605,000 95.9% 0.3%
CALIBER HOME LOANS, INC. $1,915,000 $2,885,000 50.7% 0.3%
HOME TOWN FUNDING, INC. $1,620,000 $2,860,000 76.5% 0.3%
Carrington Mortgage Services, LLC $2,325,000 $2,695,000 15.9% 0.2%
The Bank of Greene County $105,000 $2,480,000 2,261.9% 0.2%
VISIONS $145,000 $2,245,000 1,448.3% 0.2%
ROYAL UNITED MORTGAGE LLC $1,210,000 $2,235,000 84.7% 0.2%
Solvay Bank $1,220,000 $2,085,000 70.9% 0.2%
21ST MORTGAGE CORPORATION $2,135,000 $2,035,000 -4.7% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $500,000 $1,730,000 246.0% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $135,000 $1,705,000 1,163.0% 0.2%
The Federal Savings Bank $1,795,000 $1,695,000 -5.6% 0.2%
AMERICAN FINANCING CORPORATION $535,000 $1,535,000 186.9% 0.1%
WALKER & DUNLOP, LLC $3,775,000 $1,405,000 -62.8% 0.1%
TD Bank $1,415,000 $1,310,000 -7.4% 0.1%
EMBRACE HOME LOANS, INC. $910,000 $1,185,000 30.2% 0.1%
The Lyons National Bank $1,370,000 $1,185,000 -13.5% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $675,000 $1,170,000 73.3% 0.1%
Charles Schwab Bank, SSB $955,000 n/a 0.1%
Goldman Sachs Bank USA $925,000 n/a 0.1%
Bank of England $755,000 $830,000 9.9% 0.1%
LAND HOME FINANCIAL SERVICES, INC. $515,000 $830,000 61.2% 0.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $105,000 $820,000 681.0% 0.1%
PHH Mortgage Corporation $700,000 $815,000 16.4% 0.1%
Morgan Stanley Private Bank $1,960,000 $755,000 -61.5% 0.1%
NORTHERN CREDIT UNION $55,000 $755,000 1,272.7% 0.1%
SUNMARK FEDERAL CREDIT UNION $630,000 $740,000 17.5% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $290,000 $705,000 143.1% 0.1%
U.S. Bank $350,000 $695,000 98.6% 0.1%
UNITED MORTGAGE CORP. $625,000 $660,000 5.6% 0.1%
RELIANCE FIRST CAPITAL, LLC $690,000 $645,000 -6.5% 0.1%
Quontic Bank $175,000 $635,000 262.9% 0.1%
MLB RESIDENTIAL LENDING, LLC $305,000 $615,000 101.6% 0.1%
REVERSE MORTGAGE FUNDING LLC $610,000 n/a 0.1%
Carthage Federal Savings and Loan Association $375,000 $605,000 61.3% 0.1%
Visio Financial Services Inc. $610,000 $600,000 -1.6% 0.1%
STATE EMPLOYEES FEDERAL CREDIT UNION $400,000 $595,000 48.8% 0.1%
NBKC BANK $625,000 $575,000 -8.0% 0.1%
NJ LENDERS CORP. $530,000 n/a 0.0%
Seneca Savings $290,000 $515,000 77.6% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $1,860,000 $505,000 -72.8% 0.0%
City National Bank of Florida $505,000 n/a 0.0%
Discover Bank $490,000 $500,000 2.0% 0.0%
Tompkins Trust Company $125,000 $500,000 300.0% 0.0%
First Federal Bank $535,000 $495,000 -7.5% 0.0%
Northwest Bank $485,000 n/a 0.0%
PNC Bank $75,000 $465,000 520.0% 0.0%
Metro City Bank $455,000 n/a 0.0%
MID-ISLAND MORTGAGE CORP. $450,000 n/a 0.0%
First Home Bank $280,000 $445,000 58.9% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $740,000 $415,000 -43.9% 0.0%
Unity Bank $395,000 n/a 0.0%
A&D Mortgage LLC $390,000 n/a 0.0%
Santander Bank, N.A. $380,000 n/a 0.0%
Bethpage Federal Credit Union $375,000 $370,000 -1.3% 0.0%
CORNING $325,000 $360,000 10.8% 0.0%
Wilmington Savings Fund Society, FSB $355,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $450,000 $350,000 -22.2% 0.0%
Mortgage Network, Inc. $345,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $165,000 $345,000 109.1% 0.0%
FINANCE OF AMERICA MORTGAGE LLC $340,000 n/a 0.0%
Luxury Mortgage Corp. $325,000 n/a 0.0%
The Upstate National Bank $310,000 n/a 0.0%
InterContinental Capital Group, Inc $155,000 $285,000 83.9% 0.0%
ALLEGACY FEDERAL CREDIT UNION $280,000 n/a 0.0%
Fulton Savings Bank $565,000 $275,000 -51.3% 0.0%
FIRST CREDIT CORPORATION OF NEW YORK, INC. $285,000 $270,000 -5.3% 0.0%
FM Home Loans, LLC $265,000 n/a 0.0%
Evans Bank $255,000 n/a 0.0%
Magnolia Bank $165,000 $255,000 54.5% 0.0%
Third Federal Savings and Loan Association of Cleveland $105,000 $250,000 138.1% 0.0%
TOTAL MORTGAGE SERVICES, LLC $105,000 $250,000 138.1% 0.0%
Ukrainian Federal Credit Union $365,000 $250,000 -31.5% 0.0%
ALLIED MORTGAGE GROUP, INC. $240,000 n/a 0.0%
Equity Prime Mortgage LLC $240,000 $240,000 0.0% 0.0%
The Adirondack Trust Company $235,000 n/a 0.0%
Wauchula State Bank $235,000 n/a 0.0%
Ulster Savings Bank $225,000 n/a 0.0%
ABSOLUTE HOME MORTGAGE CORPORATION $220,000 n/a 0.0%
Fifth Third Bank $220,000 n/a 0.0%
CONTOUR MORTGAGE CORPORATION $255,000 $215,000 -15.7% 0.0%
Meridian Bank Corporation $205,000 n/a 0.0%
Flagstar Bank, FSB $250,000 $200,000 -20.0% 0.0%
Northpointe Bank $105,000 $200,000 90.5% 0.0%
US MORTGAGE CORPORATION $200,000 n/a 0.0%
PLANET HOME LENDING, LLC $195,000 n/a 0.0%
Shamrock Home Loans, Inc. $195,000 n/a 0.0%
The National Bank of Coxsackie $170,000 $190,000 11.8% 0.0%
BRIDGEVIEW MORTGAGE CORP. $185,000 n/a 0.0%
FirstBank $185,000 n/a 0.0%
ALLIANT CREDIT UNION $180,000 n/a 0.0%
First Western Trust Bank $165,000 n/a 0.0%
TEACHERS $520,000 $165,000 -68.3% 0.0%
AMERICAN FINANCIAL NETWORK, INC. $155,000 $155,000 0.0% 0.0%
GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION $155,000 n/a 0.0%
PREMIA MORTGAGE, LLC $155,000 n/a 0.0%
Stifel Bank and Trust $580,000 $155,000 -73.3% 0.0%
Commerce Bank $145,000 n/a 0.0%
GREENWOOD $145,000 n/a 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $140,000 n/a 0.0%
JET DIRECT FUNDING CORP $135,000 n/a 0.0%
LENDINGHOME FUNDING CORPORATION $145,000 $135,000 -6.9% 0.0%
Paramount Bank $135,000 n/a 0.0%
TIAA, FSB $515,000 $135,000 -73.8% 0.0%
AMERICAN ADVISORS GROUP $110,000 $125,000 13.6% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $125,000 n/a 0.0%
Sawyer Savings Bank $125,000 n/a 0.0%
Tioga State Bank $125,000 n/a 0.0%
GUIDANCE RESIDENTIAL, LLC $285,000 $115,000 -59.6% 0.0%
RELIANT COMMUNITY FEDERAL CREDIT UNION $105,000 n/a 0.0%
CAPITAL COMMUNICATIONS Federal Credit Union $1,095,000 $95,000 -91.3% 0.0%
Home Loan Investment Bank, F.S.B. $15,000 $95,000 533.3% 0.0%
THE SUMMIT Federal Credit Union $145,000 $95,000 -34.5% 0.0%
UIF CORPORATION $95,000 n/a 0.0%
CONSTRUCTIVE LOANS, LLC $85,000 n/a 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $85,000 n/a 0.0%
NP, Inc. $85,000 n/a 0.0%
KINECTA $55,000 n/a 0.0%
MID-HUDSON VALLEY $85,000 $55,000 -35.3% 0.0%
NUMARK CREDIT UNION $45,000 $45,000 0.0% 0.0%
BayCoast Bank $175,000 $35,000 -80.0% 0.0%
Deere Employees Credit Union $15,000 n/a 0.0%

UTICA - ROME's top lender by overall market share is FIRST SOURCE, with 10.7% market share. In second place, with 9.9%, is QUICKEN LOANS, LLC, having originated $109,450,000 in loans. In third place, with 9.7%, is AMERICU Credit Union, having originated $106,680,000 in loans. In fourth place, with 5.6%, is PLAZA HOME MORTGAGE, INC., having originated $61,320,000 in loans. In fifth place, with 5.5%, is Adirondack Bank, having originated $60,095,000 in loans.


UTICA - ROME Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - UTICA - ROME (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 $124,450 (3.8%) $188,571 (6.6%) 0.46 900
2018-02-01 $125,950 (0.8%) $193,229 (5.7%) 0.46 878
2018-03-01 $129,500 (0.0%) $197,605 (6.0%) 0.45 848
2018-04-01 $139,125 (7.1%) $204,584 (7.4%) 0.47 843
2018-05-01 $137,450 (0.9%) $203,962 (6.4%) 0.46 863
2018-06-01 $148,450 (6.1%) $216,786 (13.1%) 0.50 974
2018-07-01 $149,900 (0.6%) $218,698 (12.2%) 0.50 1,061
2018-08-01 $145,450 (3.2%) $213,285 (4.9%) 0.49 1,104
2018-09-01 $144,700 (3.4%) $210,519 (6.5%) 0.49 1,124
2018-10-01 $135,000 (-1.1%) $197,666 (1.0%) 0.46 1,090
2018-11-01 $131,975 (-0.9%) $199,358 (2.1%) 0.45 1,007
2018-12-01 $129,900 (0.7%) $197,481 (3.7%) 0.45 941
2019-01-01 $129,900 (4.4%) $201,832 (7.0%) 0.45 857
2019-02-01 $130,950 (4.0%) $208,127 (7.7%) 0.44 768
2019-03-01 $139,671 (7.9%) $217,083 (9.9%) 0.46 745
2019-04-01 $149,900 (7.7%) $225,663 (10.3%) 0.48 734
2019-05-01 $154,900 (12.7%) $223,188 (9.4%) 0.48 751
2019-06-01 $154,900 (4.3%) $225,634 (4.1%) 0.48 820
2019-07-01 $159,900 (6.7%) $226,421 (3.5%) 0.50 887
2019-08-01 $158,536 (9.0%) $223,945 (5.0%) 0.50 909
2019-09-01 $156,491 (8.2%) $224,637 (6.7%) 0.50 916
2019-10-01 $152,400 (12.9%) $225,099 (13.9%) 0.49 908
2019-11-01 $147,250 (11.6%) $224,024 (12.4%) 0.48 858
2019-12-01 $147,100 (13.2%) $226,026 (14.5%) 0.49 766
2020-01-01 $145,400 (11.9%) $229,051 (13.5%) 0.49 672
2020-02-01 $148,350 (13.3%) $230,269 (10.6%) 0.48 630
2020-03-01 $155,950 (11.7%) $224,629 (3.5%) 0.49 593
2020-04-01 $158,400 (5.7%) $236,577 (4.8%) 0.50 569
2020-05-01 $169,900 (9.7%) $249,151 (11.6%) 0.52 569
2020-06-01 $179,675 (16.0%) $249,915 (10.8%) 0.53 541
2020-07-01 $169,900 (6.3%) $249,960 (10.4%) 0.49 534
2020-08-01 $170,950 (7.8%) $242,596 (8.3%) 0.49 515
2020-09-01 $172,450 (10.2%) $237,618 (5.8%) 0.49 515
2020-10-01 $169,900 (11.5%) $233,294 (3.6%) 0.49 540
2020-11-01 $169,800 (15.3%) $223,427 (-0.3%) 0.49 515
2020-12-01 $167,225 (13.7%) $222,416 (-1.6%) 0.50 476
2021-01-01 $162,200 (11.6%) $228,023 (-0.5%) 0.48 402
2021-02-01 $169,900 (14.5%) $233,071 (1.2%) 0.49 329
2021-03-01 $176,400 (13.1%) $252,577 (12.4%) 0.50 289
2021-04-01 $192,200 (21.3%) $263,969 (11.6%) 0.52 274
2021-05-01 $197,500 (16.2%) $264,318 (6.1%) 0.52 316
2021-06-01 $199,900 (11.3%) $284,516 (13.9%) 0.53 348
2021-07-01 $199,900 (17.7%) $279,271 (11.7%) 0.53 394
2021-08-01 $192,500 (12.6%) $268,903 (10.8%) 0.51 451
2021-09-01 $198,000 (14.8%) $272,729 (14.8%) 0.53 470
2021-10-01 $184,950 (8.9%) $266,709 (14.3%) 0.49 430
2021-11-01 $177,400 (4.5%) $252,024 (12.8%) 0.47 396
2021-12-01 $179,450 (7.3%) $254,331 (14.4%) 0.49 348
2022-01-01 $179,000 (10.4%) $246,613 (8.2%) 0.48 315
2022-02-01 $169,450 (-0.3%) $244,820 (5.0%) 0.44 265
2022-03-01 $180,538 (2.4%) $262,747 (4.0%) 0.45 252
2022-04-01 $185,000 (-3.8%) $263,537 (-0.2%) 0.44 259
2022-05-01 $184,900 (-6.4%) $282,657 (6.9%) 0.42 305
2022-06-01 $199,900 (0.0%) $290,427 (2.1%) 0.45 367
2022-07-01 $199,000 (-0.5%) $279,297 (0.0%) 0.45 438
2022-08-01 $191,575 (-0.5%) $263,807 (-1.9%) 0.44 456
2022-09-01 $189,225 (-4.4%) $252,839 (-7.3%) 0.44 482
2022-10-01 $189,900 (2.7%) $253,235 (-5.1%) 0.45 487
2022-11-01 $179,450 (1.2%) $251,218 (-0.3%) 0.43 446
2022-12-01 $175,000 (-2.5%) $246,419 (-3.1%) 0.43 394
2023-01-01 $174,900 (-2.3%) $250,158 (1.4%) 0.43 337
2023-02-01 $176,975 (4.4%) $253,481 (3.5%) 0.43 293
UTICA - ROME's median listing price for 2023-02-01 was $176,975, a difference of $7,525 (4.4%) versus the prior year and $2,075 versus the prior month.

UTICA - ROME's median listing price comes in at 43% of the national average.

UTICA - ROME's average listing price for 2023-02-01 was $253,481, a difference of $8,661 (3.5%) versus the prior year and $3,323 versus the prior month.

For the 2023-02-01 period, UTICA - ROME had 293 MLS listings, a difference of -44 listings (-13%) versus the prior month and 28 listings (11%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - UTICA - ROME (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 114 days 1,535 sqft
2018-02-01 115 days 1,563 sqft
2018-03-01 116 days 1,568 sqft
2018-04-01 96 days 1,624 sqft
2018-05-01 62 days 1,648 sqft
2018-06-01 56 days 1,677 sqft
2018-07-01 61 days 1,666 sqft
2018-08-01 64 days 1,673 sqft
2018-09-01 74 days 1,661 sqft
2018-10-01 80 days 1,625 sqft
2018-11-01 90 days 1,633 sqft
2018-12-01 100 days 1,596 sqft
2019-01-01 103 days 1,580 sqft
2019-02-01 107 days 1,580 sqft
2019-03-01 98 days 1,627 sqft
2019-04-01 82 days 1,663 sqft
2019-05-01 63 days 1,668 sqft
2019-06-01 54 days 1,665 sqft
2019-07-01 55 days 1,660 sqft
2019-08-01 61 days 1,655 sqft
2019-09-01 68 days 1,665 sqft
2019-10-01 74 days 1,667 sqft
2019-11-01 79 days 1,652 sqft
2019-12-01 97 days 1,641 sqft
2020-01-01 115 days 1,646 sqft
2020-02-01 116 days 1,632 sqft
2020-03-01 119 days 1,669 sqft
2020-04-01 122 days 1,680 sqft
2020-05-01 124 days 1,700 sqft
2020-06-01 106 days 1,664 sqft
2020-07-01 70 days 1,659 sqft
2020-08-01 70 days 1,664 sqft
2020-09-01 66 days 1,701 sqft
2020-10-01 68 days 1,680 sqft
2020-11-01 68 days 1,677 sqft
2020-12-01 84 days 1,679 sqft
2021-01-01 101 days 1,640 sqft
2021-02-01 111 days 1,631 sqft
2021-03-01 100 days 1,644 sqft
2021-04-01 75 days 1,705 sqft
2021-05-01 46 days 1,670 sqft
2021-06-01 38 days 1,684 sqft
2021-07-01 45 days 1,689 sqft
2021-08-01 45 days 1,656 sqft
2021-09-01 49 days 1,663 sqft
2021-10-01 58 days 1,656 sqft
2021-11-01 66 days 1,651 sqft
2021-12-01 80 days 1,662 sqft
2022-01-01 87 days 1,623 sqft
2022-02-01 84 days 1,586 sqft
2022-03-01 72 days 1,586 sqft
2022-04-01 62 days 1,627 sqft
2022-05-01 46 days 1,604 sqft
2022-06-01 37 days 1,655 sqft
2022-07-01 43 days 1,632 sqft
2022-08-01 51 days 1,631 sqft
2022-09-01 56 days 1,600 sqft
2022-10-01 60 days 1,585 sqft
2022-11-01 65 days 1,591 sqft
2022-12-01 79 days 1,584 sqft
2023-01-01 85 days 1,581 sqft
2023-02-01 95 days 1,587 sqft
UTICA - ROME's median listing age (time on market) for 2023-02-01 was 95 days. This is 14% longer than the same period one year ago.

UTICA - ROME's median square footage for active listings during the 2023-02-01 period was 1,587 sqft. One year prior, the average listing was 1,586 sqft.

UTICA-ROME, NY Average Rent (2022)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
13032 Utica-Rome, NY $690 $780 $960 $1,190 $1,380
13042 Utica-Rome, NY $870 $920 $1,150 $1,420 $1,650
13054 Utica-Rome, NY $940 $950 $1,200 $1,480 $1,720
13123 Utica-Rome, NY $750 $770 $970 $1,190 $1,390
13157 Utica-Rome, NY $850 $860 $1,090 $1,350 $1,560
13162 Utica-Rome, NY $930 $940 $1,190 $1,470 $1,710
13301 Utica-Rome, NY $660 $670 $840 $1,040 $1,200
13303 Utica-Rome, NY $760 $760 $970 $1,200 $1,390
13304 Utica-Rome, NY $760 $760 $970 $1,200 $1,390
13308 Utica-Rome, NY $740 $740 $940 $1,160 $1,350
13309 Utica-Rome, NY $600 $600 $760 $940 $1,090
13313 Utica-Rome, NY $660 $660 $840 $1,040 $1,210
13316 Utica-Rome, NY $640 $660 $820 $1,020 $1,180
13318 Utica-Rome, NY $770 $770 $980 $1,210 $1,410
13319 Utica-Rome, NY $680 $690 $870 $1,080 $1,250
13321 Utica-Rome, NY $650 $650 $830 $1,030 $1,190
13322 Utica-Rome, NY $640 $650 $820 $1,010 $1,180
13323 Utica-Rome, NY $880 $880 $1,120 $1,380 $1,610
13324 Utica-Rome, NY $630 $630 $800 $990 $1,150
13328 Utica-Rome, NY $590 $600 $760 $940 $1,090
13329 Utica-Rome, NY $590 $600 $760 $940 $1,090
13331 Utica-Rome, NY $630 $640 $810 $1,000 $1,160
13338 Utica-Rome, NY $670 $680 $860 $1,060 $1,230
13339 Utica-Rome, NY $660 $660 $840 $1,040 $1,210
13340 Utica-Rome, NY $670 $670 $850 $1,050 $1,220
13341 Utica-Rome, NY $880 $880 $1,120 $1,380 $1,610
13350 Utica-Rome, NY $720 $730 $920 $1,140 $1,320
13352 Utica-Rome, NY $660 $670 $850 $1,050 $1,220
13354 Utica-Rome, NY $590 $600 $760 $940 $1,090
13357 Utica-Rome, NY $610 $610 $780 $960 $1,120
13360 Utica-Rome, NY $630 $640 $810 $1,000 $1,160
13361 Utica-Rome, NY $630 $640 $810 $1,000 $1,160
13362 Utica-Rome, NY $660 $660 $840 $1,040 $1,210
13363 Utica-Rome, NY $1,010 $1,020 $1,290 $1,590 $1,850
13365 Utica-Rome, NY $590 $600 $760 $940 $1,090
13367 Utica-Rome, NY $670 $680 $860 $1,060 $1,230
13401 Utica-Rome, NY $680 $690 $870 $1,080 $1,250
13402 Utica-Rome, NY $650 $730 $900 $1,120 $1,290
13403 Utica-Rome, NY $660 $660 $840 $1,040 $1,210
13406 Utica-Rome, NY $750 $760 $960 $1,190 $1,380
13407 Utica-Rome, NY $630 $630 $800 $990 $1,150
13409 Utica-Rome, NY $660 $740 $920 $1,140 $1,320
13413 Utica-Rome, NY $830 $840 $1,060 $1,310 $1,520
13416 Utica-Rome, NY $590 $600 $760 $940 $1,090
13417 Utica-Rome, NY $700 $700 $890 $1,100 $1,280
13420 Utica-Rome, NY $630 $640 $810 $1,000 $1,160
13421 Utica-Rome, NY $630 $690 $860 $1,060 $1,230
13424 Utica-Rome, NY $670 $680 $860 $1,060 $1,230
13425 Utica-Rome, NY $660 $660 $840 $1,040 $1,210
13431 Utica-Rome, NY $680 $690 $870 $1,080 $1,250
13435 Utica-Rome, NY $670 $680 $860 $1,060 $1,230
13438 Utica-Rome, NY $670 $680 $860 $1,060 $1,230
13439 Utica-Rome, NY $650 $650 $830 $1,030 $1,190
13440 Utica-Rome, NY $700 $700 $890 $1,100 $1,280
13441 Utica-Rome, NY $700 $700 $890 $1,100 $1,280
13454 Utica-Rome, NY $630 $630 $800 $990 $1,150
13455 Utica-Rome, NY $680 $690 $870 $1,080 $1,250
13456 Utica-Rome, NY $800 $800 $1,020 $1,260 $1,460
13461 Utica-Rome, NY $690 $690 $880 $1,090 $1,260
13469 Utica-Rome, NY $650 $650 $830 $1,030 $1,190
13470 Utica-Rome, NY $590 $600 $760 $940 $1,090
13471 Utica-Rome, NY $710 $720 $910 $1,120 $1,310
13472 Utica-Rome, NY $630 $640 $810 $1,000 $1,160
13475 Utica-Rome, NY $660 $660 $840 $1,040 $1,210
13476 Utica-Rome, NY $700 $710 $900 $1,110 $1,290
13477 Utica-Rome, NY $690 $710 $900 $1,110 $1,290
13478 Utica-Rome, NY $630 $630 $800 $990 $1,150
13479 Utica-Rome, NY $680 $690 $870 $1,080 $1,250
13480 Utica-Rome, NY $620 $660 $820 $1,020 $1,180
13483 Utica-Rome, NY $960 $970 $1,230 $1,520 $1,760
13486 Utica-Rome, NY $890 $900 $1,140 $1,410 $1,640
13489 Utica-Rome, NY $690 $690 $880 $1,080 $1,260
13490 Utica-Rome, NY $720 $720 $910 $1,130 $1,310
13491 Utica-Rome, NY $600 $660 $820 $1,020 $1,180
13492 Utica-Rome, NY $670 $680 $860 $1,060 $1,230
13494 Utica-Rome, NY $650 $660 $830 $1,030 $1,190
13495 Utica-Rome, NY $630 $630 $800 $990 $1,150
13501 Utica-Rome, NY $630 $630 $800 $990 $1,150
13502 Utica-Rome, NY $690 $690 $880 $1,090 $1,260

2022 Average & Median Rent Data Statistics
UTICA-ROME, NY average 1BR rent: $706, median: $680
UTICA-ROME, NY average 2BR rent: $893, median: $860
UTICA-ROME, NY average 3BR rent: $1,104, median: $1,060

UTICA-ROME, NY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 3,055 $526,605,000 $172,375
Refi 2,261 $316,695,000 $140,069
Cash Out Refi 947 $156,065,000 $164,799
Home Improvement 623 $60,905,000 $97,761
Other 454 $40,860,000 $90,000
NA 8 $720,000 $90,000

Utica - Rome's most frequently cited loan purpose was Home Purchase, with 3,055 originations. The 2nd most popular reason was Refi, with 2,261 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 2,602 $431,130,000 $165,692
3-4% 2,600 $393,700,000 $151,423
<2.5% 1,326 $185,730,000 $140,068
4-5% 327 $53,935,000 $164,939
5-6% 132 $10,370,000 $78,561
6-7% 68 $4,630,000 $68,088
Over 8% 44 $2,450,000 $55,682
7-8% 43 $2,785,000 $64,767

During 2021, Utica - Rome's most frequently originated rate bucket was 2.5-3%, with 2,602 originations.

Loan Sizing (UTICA-ROME, NY MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 3,396 $483,000,000 $142,226
$100,000 or less 2,526 $157,700,000 $62,431
$200k-400k 1,252 $327,530,000 $261,605
$400k-600k 130 $60,700,000 $466,923
$600k-1000k 28 $20,750,000 $741,071
$Over $1MM 16 $52,170,000 $3,260,625

UTICA - ROME's loan sizing saw the bucket of loans from $100k-200k with 3,396 originations, totaling $483,000,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 2,846 $488,810,000 $171,753
60-80% 2,224 $394,410,000 $177,343
40-60% 926 $119,180,000 $128,704
20-40% 771 $55,495,000 $71,978
Under 20% 447 $16,735,000 $37,438
Over 100% 59 $13,935,000 $236,186

UTICA - ROME's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,846 originations, totaling $488,810,000 in origination value.