UTICA - ROME Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Utica - Rome averaged 6.86% for the week of 2023-09-21, compared to the national average of 7.19% for the same period.

    The average rate for the prior week (2023-09-14) was 6.85% and one month ago for the week of 2023-08-17, the average rate was 6.46%.

    Utica - Rome's average rate one year ago was 5.59%.

    For refis of the same type during the week of 2023-09-21, the average rate was 6.61%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-09-21 7.19%
    Utica - Rome 30 Year Fixed Rate 2023-09-21 6.86%
    Utica - Rome 30 Year Fixed Rate Refi 2023-09-21 6.61%
    Utica - Rome 15 Year Fixed Rate 2023-09-21 6.25%
    Utica - Rome 15 Year Fixed Rate Refi 2023-09-21 5.75%
    Utica - Rome 30 Year FHA 2023-09-21 6.23%
    Utica - Rome 30 Year FHA Refi 2023-09-21 7.24%
    Utica - Rome 30 Year USDA 2023-09-21 7.02%
    Utica - Rome 30 Year USDA Refi 2023-09-21 6.92%
    Utica - Rome 30 Year VA 2023-09-21 6.52%
    Utica - Rome 30 Year VA Refi 2023-09-21 7.02%
    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    AMERICU Credit Union 259 4.62% $4,118
    QUICKEN LOANS, LLC 137 5.06% $6,639
    Adirondack Bank 102 4.78% $4,220
    PLAZA HOME MORTGAGE, INC. 101 4.85% $8,093
    NBT Bank 97 4.32% $3,644
    HOMESTEAD FUNDING CORP. 95 5.09% $4,409
    Community Bank 92 5.33% $712
    Premium Mortgage Corporation 85 4.89% $4,288
    CCFCU FUNDING, LLC 81 4.48% $3,371
    M&T Bank 59 4.52% $4,670
    KeyBank 57 4.32% $3,508
    FIRST SOURCE 47 4.69% $3,285
    HUNT MORTGAGE CORPORATION 33 5.34% $6,289
    SEFCU SERVICES, LLC 28 4.41% $3,566
    Wells Fargo Bank 28 4.70% $4,417
    PARAGON HOME LOANS INC. 27 4.70% $5,057
    Empower Federal Credit Union 20 4.42% $3,539
    MOVEMENT MORTGAGE, LLC 20 5.07% $5,533
    JPMorgan Chase Bank 19 4.43% $3,397
    UNITED WHOLESALE MORTGAGE, LLC 18 5.29% $7,332
    1ST PRIORITY MORTGAGE, INC. 15 4.81% $3,882
    Farm Credit East, ACA 15 5.50% $6,910
    PRIMELENDING, A PLAINSCAPITAL COMPANY 14 4.46% $5,553
    Citizens Bank 13 4.98% $4,620
    Mr. Cooper ( Nationstar Mortgage ) 11 4.98% $6,225
    Berkshire Bank 11 4.63% $4,625
    ROYAL UNITED MORTGAGE LLC 10 5.58% $5,252
    Genesee Regional Bank 9 5.15% $5,930
    Carrington Mortgage Services, LLC 9 4.89% $4,296
    Bank of America 8 4.20% $4,771
    Geddes Federal Savings and Loan Association 8 4.48% $5,097
    HOME POINT FINANCIAL CORPORATION 8 5.69% $7,268
    GUARANTEED RATE, INC. 8 3.97% $5,778
    LOANDEPOT.COM, LLC 6 4.58% $6,074
    NAVY FEDERAL CREDIT UNION 4 4.81% $3,699
    CROSSCOUNTRY MORTGAGE, LLC 4 5.41% $8,494
    PENTAGON FEDERAL CREDIT UNION 4 4.28% $3,402
    UNITED NORTHERN MORTGAGE BANKERS LIMITED 3 5.83% $8,312
    NEWREZ LLC 3 4.96% $4,778
    HOMEBRIDGE FINANCIAL SERVICES, INC. 3 5.29% $7,758
    The Lyons National Bank 3 4.71% $5,833
    CALIBER HOME LOANS, INC. 3 5.24% $7,054
    HOME TOWN FUNDING, INC. 3 4.71% $3,142
    21ST MORTGAGE CORPORATION 3 7.07% $7,171
    Glens Falls National Bank and Trust Company 2 6.13% $6,678
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 4.00% $4,136
    Luxury Mortgage Corp. 2 5.63% $6,099
    Morgan Stanley Private Bank 2 3.90% $5,433
    Colonial Savings, F.A. 2 4.50% $4,589
    NATIONWIDE MORTGAGE BANKERS, INC. 2 4.38% $6,580
    NORTHERN CREDIT UNION 2 4.31% $5,739
    PHH Mortgage Corporation 2 5.25% $3,959
    BNC National Bank 2 5.88% $5,011
    BETTER MORTGAGE CORPORATION 2 5.63% $6,359
    Bank of England 2 5.56% $4,675
    TD Bank 2 4.00% $4,968
    Tompkins Trust Company 2 4.38% $4,677
    FREEDOM MORTGAGE CORPORATION 2 5.44% $4,802
    EVERETT FINANCIAL, INC. 1 5.00% $2,295
    UNITED MORTGAGE CORP 1 4.75% $10,905
    OWNERSCHOICE FUNDING, INCORPORATED 1 4.25% $3,124
    CARDINAL FINANCIAL 1 4.13% $10,339
    HUDSON VALLEY CREDIT UNION 1 6.50% $2,280
    FM Home Loans, LLC 1 3.13% $6,518
    Five Star Bank 1 3.25% $5,945
    POLISH & SLAVIC FEDERAL CREDIT UNION 1 4.25% $4,905
    Ally Bank 1 6.38% $8,634
    Unity Bank 1 6.25% $13,367
    Bethpage Federal Credit Union 1 4.00% $5,832
    RELIANCE FIRST CAPITAL, LLC 1 5.75% $8,218
    USAA Federal Savings Bank 1 5.25% $7,625
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.63% $8,871
    SIRVA MORTGAGE, INC. 1 3.63% $3,870
    Stifel Bank and Trust 1 3.00% $3,444
    SUNMARK FEDERAL CREDIT UNION 1 3.25% $1,834
    UTILITIES EMPLOYEES CREDIT UNION 1 2.99% $3,303
    TEACHERS 1 5.63% $3,568
    Flagstar Bank, FSB 1 3.51% $2,180
    EMBRACE HOME LOANS, INC. 1 3.99% $4,470
    Leader Bank 1 4.38% $10,939
    Discover Bank 1 4.25% $0
    THE SUMMIT Federal Credit Union 1 5.50% $3,133
    THRIVENT Federal Credit Union 1 3.00% $2,820
    Mortgage Research Center, LLC 1 5.63% $5,987
    CONTOUR MORTGAGE CORPORATION 1 6.63% $9,132
    VISIONS 1 2.74% $4,276
    Citibank 1 3.50% $4,566
    UIF CORPORATION 1 3.50% $3,988
    Charles Schwab Bank, SSB 1 5.48% $3,557
    CFCU Community Credit Union 1 3.38% $0

    UTICA - ROME Average Closing Costs & Other Stats

    UTICA-ROME, NY's 90 lenders originated 6,162 loans during 2022. The total origination value was $916,400,000, with an average loan value of $148,718.

    UTICA - ROME's average closing costs are $4,668.

    The top UTICA - ROME lender as defined by loan originations is AMERICU Credit Union, with 259 loans originated. Their average total fees are $4,118, which is $2,521 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee UTICA - ROME lenders (with over 10 loans originated) are Community Bank ($712), FIRST SOURCE ($3,285), CCFCU FUNDING, LLC ($3,371), JPMorgan Chase Bank ($3,397) and KeyBank ($3,508).

    The lowest rate UTICA - ROME lenders (with over 10 loans originated) are KeyBank (4.32%), NBT Bank (4.32%), SEFCU SERVICES, LLC (4.41%), Empower Federal Credit Union (4.42%) and JPMorgan Chase Bank (4.43%).

    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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    FIRST SOURCE $117,635,000 $132,145,000 12.3% 14.4%
    AMERICU Credit Union $106,680,000 $96,280,000 -9.7% 10.5%
    Adirondack Bank $60,095,000 $76,525,000 27.3% 8.4%
    QUICKEN LOANS, LLC $109,450,000 $58,290,000 -46.7% 6.4%
    Community Bank $39,440,000 $57,115,000 44.8% 6.2%
    PLAZA HOME MORTGAGE, INC. $61,320,000 $54,985,000 -10.3% 6.0%
    NBT Bank $56,635,000 $40,465,000 -28.6% 4.4%
    HOMESTEAD FUNDING CORP. $39,930,000 $34,320,000 -14.0% 3.7%
    M&T Bank $39,530,000 $30,195,000 -23.6% 3.3%
    Premium Mortgage Corporation $27,710,000 $30,155,000 8.8% 3.3%
    KeyBank $41,535,000 $23,610,000 -43.2% 2.6%
    GPO Federal Credit Union $23,275,000 $22,620,000 -2.8% 2.5%
    CCFCU FUNDING, LLC $43,185,000 $20,075,000 -53.5% 2.2%
    Citizens Bank $15,010,000 $13,620,000 -9.3% 1.5%
    PNC Bank $465,000 $13,555,000 2,815.1% 1.5%
    HUNT MORTGAGE CORPORATION $9,025,000 $10,815,000 19.8% 1.2%
    MOVEMENT MORTGAGE, LLC $8,280,000 $9,285,000 12.1% 1.0%
    PARAGON HOME LOANS INC. $25,235,000 $9,115,000 -63.9% 1.0%
    UNITED WHOLESALE MORTGAGE, LLC $7,540,000 $8,835,000 17.2% 1.0%
    Empower Federal Credit Union $8,515,000 $8,605,000 1.1% 0.9%
    Geddes Federal Savings and Loan Association $5,380,000 $8,260,000 53.5% 0.9%
    Wells Fargo Bank $12,475,000 $7,590,000 -39.2% 0.8%
    Berkshire Bank $9,905,000 $7,540,000 -23.9% 0.8%
    SEFCU SERVICES, LLC $10,235,000 $7,440,000 -27.3% 0.8%
    Farm Credit East, ACA $7,685,000 $7,190,000 -6.4% 0.8%
    Mr. Cooper ( Nationstar Mortgage ) $11,210,000 $7,125,000 -36.4% 0.8%
    Mortgage Research Center, LLC $6,235,000 $6,745,000 8.2% 0.7%
    M&T Realty Capital Corporation $6,495,000 n/a 0.7%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $9,130,000 $5,420,000 -40.6% 0.6%
    JPMorgan Chase Bank $3,740,000 $5,320,000 42.2% 0.6%
    NAVY FEDERAL CREDIT UNION $7,470,000 $5,015,000 -32.9% 0.5%
    USAA Federal Savings Bank $4,980,000 $4,475,000 -10.1% 0.5%
    LOANDEPOT.COM, LLC $6,245,000 $4,445,000 -28.8% 0.5%
    Genesee Regional Bank $7,030,000 $4,100,000 -41.7% 0.4%
    HOME POINT FINANCIAL CORPORATION $5,550,000 $4,020,000 -27.6% 0.4%
    1ST PRIORITY MORTGAGE, INC. $4,275,000 $3,785,000 -11.5% 0.4%
    GUARANTEED RATE, INC. $7,775,000 $2,940,000 -62.2% 0.3%
    Bank of America $6,425,000 $2,930,000 -54.4% 0.3%
    21ST MORTGAGE CORPORATION $2,035,000 $2,530,000 24.3% 0.3%
    ACCESS Federal Credit Union $2,380,000 n/a 0.3%
    CROSSCOUNTRY MORTGAGE, LLC $1,730,000 $2,315,000 33.8% 0.3%
    Carrington Mortgage Services, LLC $2,695,000 $2,290,000 -15.0% 0.2%
    CREDIT HUMAN FEDERAL CREDIT UNION $1,170,000 $1,720,000 47.0% 0.2%
    Barrington Bank & Trust Company, N.A. $4,040,000 $1,640,000 -59.4% 0.2%
    ROYAL UNITED MORTGAGE LLC $2,235,000 $1,630,000 -27.1% 0.2%
    Leader Bank $1,485,000 n/a 0.2%
    The National Bank of Coxsackie $190,000 $1,470,000 673.7% 0.2%
    Tompkins Trust Company $500,000 $1,435,000 187.0% 0.2%
    HOME TOWN FUNDING, INC. $2,860,000 $1,370,000 -52.1% 0.1%
    NEWREZ LLC $3,735,000 $1,190,000 -68.1% 0.1%
    The Lyons National Bank $1,185,000 $1,135,000 -4.2% 0.1%
    RELIANCE FIRST CAPITAL, LLC $645,000 $1,070,000 65.9% 0.1%
    Bank of England $830,000 $1,030,000 24.1% 0.1%
    Ballston Spa National Bank $995,000 n/a 0.1%
    Fulton Savings Bank $275,000 $980,000 256.4% 0.1%
    STATE EMPLOYEES FEDERAL CREDIT UNION $595,000 $950,000 59.7% 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $705,000 $945,000 34.0% 0.1%
    Equity Prime Mortgage LLC $240,000 $890,000 270.8% 0.1%
    UNITED NORTHERN MORTGAGE BANKERS LIMITED $875,000 n/a 0.1%
    LIMA ONE CAPITAL, LLC $870,000 n/a 0.1%
    FREEDOM MORTGAGE CORPORATION $4,295,000 $835,000 -80.6% 0.1%
    Pathfinder Bank $3,605,000 $790,000 -78.1% 0.1%
    FIRST CREDIT CORPORATION OF NEW YORK, INC. $270,000 $760,000 181.5% 0.1%
    Glens Falls National Bank and Trust Company $760,000 n/a 0.1%
    BETTER MORTGAGE CORPORATION $3,730,000 $755,000 -79.8% 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $505,000 $750,000 48.5% 0.1%
    Flagstar Bank, FSB $200,000 $750,000 275.0% 0.1%
    Colonial Savings, F.A. $3,950,000 $735,000 -81.4% 0.1%
    The Canandaigua National Bank and Trust Company $735,000 n/a 0.1%
    Morgan Stanley Private Bank $755,000 $730,000 -3.3% 0.1%
    Solvay Bank $2,085,000 $725,000 -65.2% 0.1%
    BNC National Bank $720,000 n/a 0.1%
    NORTHERN CREDIT UNION $755,000 $695,000 -7.9% 0.1%
    PENTAGON FEDERAL CREDIT UNION $350,000 $685,000 95.7% 0.1%
    SUNMARK FEDERAL CREDIT UNION $740,000 $680,000 -8.1% 0.1%
    TD Bank $1,310,000 $680,000 -48.1% 0.1%
    UNITED MORTGAGE CORP. $660,000 $630,000 -4.5% 0.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $820,000 $575,000 -29.9% 0.1%
    CALIBER HOME LOANS, INC. $2,885,000 $560,000 -80.6% 0.1%
    PHH Mortgage Corporation $815,000 $535,000 -34.4% 0.1%
    Wayne Bank $510,000 n/a 0.1%
    ENVOY MORTGAGE, LTD $500,000 n/a 0.1%
    UIF CORPORATION $95,000 $495,000 421.1% 0.1%
    The Federal Savings Bank $1,695,000 $490,000 -71.1% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $345,000 $485,000 40.6% 0.1%
    CONTOUR MORTGAGE CORPORATION $215,000 $470,000 118.6% 0.1%
    Luxury Mortgage Corp. $325,000 $450,000 38.5% 0.0%
    Five Star Bank $16,660,000 $425,000 -97.4% 0.0%
    EMBRACE HOME LOANS, INC. $1,185,000 $420,000 -64.6% 0.0%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $125,000 $410,000 228.0% 0.0%
    THE SUMMIT Federal Credit Union $95,000 $405,000 326.3% 0.0%
    VISIONS $2,245,000 $405,000 -82.0% 0.0%
    AMERICAN FINANCING CORPORATION $1,535,000 $390,000 -74.6% 0.0%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,705,000 $390,000 -77.1% 0.0%
    Quontic Bank $635,000 $390,000 -38.6% 0.0%
    Third Federal Savings and Loan Association of Cleveland $250,000 $390,000 56.0% 0.0%
    POLISH & SLAVIC FEDERAL CREDIT UNION $385,000 n/a 0.0%
    Unity Bank $395,000 $385,000 -2.5% 0.0%
    The Upstate National Bank $310,000 $365,000 17.7% 0.0%
    Service Federal Credit Union $355,000 n/a 0.0%
    LENDINGHOME FUNDING CORPORATION $135,000 $340,000 151.9% 0.0%
    NBKC BANK $575,000 $335,000 -41.7% 0.0%
    North American Savings Bank, F.S.B. $315,000 n/a 0.0%
    NATIONWIDE MORTGAGE BANKERS, INC. $415,000 $295,000 -28.9% 0.0%
    GREENWOOD $145,000 $280,000 93.1% 0.0%
    Seneca Savings $515,000 $275,000 -46.6% 0.0%
    UTILITIES EMPLOYEES CREDIT UNION $265,000 n/a 0.0%
    PS Bank $255,000 n/a 0.0%
    FINANCE OF AMERICA REVERSE LLC $250,000 n/a 0.0%
    Discover Bank $500,000 $245,000 -51.0% 0.0%
    FM Home Loans, LLC $265,000 $245,000 -7.5% 0.0%
    U.S. Bank $695,000 $240,000 -65.5% 0.0%
    Ally Bank $235,000 n/a 0.0%
    First Home Bank $445,000 $235,000 -47.2% 0.0%
    GUIDANCE RESIDENTIAL, LLC $115,000 $235,000 104.3% 0.0%
    Magnolia Bank $255,000 $225,000 -11.8% 0.0%
    SIRVA MORTGAGE, INC. $215,000 n/a 0.0%
    MLD MORTGAGE INC. $205,000 n/a 0.0%
    FIRST ALLIANCE HOME MORTGAGE, LLC $195,000 n/a 0.0%
    A&D Mortgage LLC $390,000 $175,000 -55.1% 0.0%
    Cathay Bank $175,000 n/a 0.0%
    Charles Schwab Bank, SSB $955,000 $175,000 -81.7% 0.0%
    CAPITAL COMMUNICATIONS Federal Credit Union $95,000 $165,000 73.7% 0.0%
    CMG MORTGAGE, INC. $165,000 n/a 0.0%
    ROUNDPOINT MORTGAGE SERVICING CORPORATION $165,000 n/a 0.0%
    Salisbury Bank and Trust Company $165,000 n/a 0.0%
    ALLIANT CREDIT UNION $180,000 $155,000 -13.9% 0.0%
    CFCU Community Credit Union $155,000 n/a 0.0%
    RESIDENTIAL HOME FUNDING CORP. $145,000 n/a 0.0%
    SILVER HILL FUNDING, LLC $145,000 n/a 0.0%
    THRIVENT Federal Credit Union $145,000 n/a 0.0%
    OWNERSCHOICE FUNDING, INCORPORATED $14,405,000 $135,000 -99.1% 0.0%
    REVERSE MORTGAGE FUNDING LLC $610,000 $135,000 -77.9% 0.0%
    TOTAL MORTGAGE SERVICES, LLC $250,000 $135,000 -46.0% 0.0%
    Chemung Canal Trust Company $125,000 n/a 0.0%
    CORNING $360,000 $125,000 -65.3% 0.0%
    FINANCE OF AMERICA MORTGAGE LLC $340,000 $115,000 -66.2% 0.0%
    The People's Credit Union $110,000 n/a 0.0%
    HSBC BANK USA, NATIONAL ASSOCIATION $140,000 $105,000 -25.0% 0.0%
    PENNYMAC LOAN SERVICES, LLC $105,000 n/a 0.0%
    TEACHERS $165,000 $105,000 -36.4% 0.0%
    NJ LENDERS CORP. $530,000 $95,000 -82.1% 0.0%
    Ukrainian Federal Credit Union $250,000 $95,000 -62.0% 0.0%
    Bethpage Federal Credit Union $370,000 $85,000 -77.0% 0.0%
    EVERETT FINANCIAL, INC. $85,000 n/a 0.0%
    Citibank $75,000 n/a 0.0%
    HUDSON VALLEY CREDIT UNION $75,000 n/a 0.0%
    LONGBRIDGE FINANCIAL, LLC $75,000 n/a 0.0%
    Midwest BankCentre $75,000 n/a 0.0%
    TEMPLE VIEW CAPITAL FUNDING, LP $75,000 n/a 0.0%
    AMERICAN ADVISORS GROUP $125,000 $65,000 -48.0% 0.0%
    MID-HUDSON VALLEY $55,000 $65,000 18.2% 0.0%
    BayCoast Bank $35,000 $60,000 71.4% 0.0%
    LAKEVIEW LOAN SERVICING, LLC $55,000 n/a 0.0%
    Stifel Bank and Trust $155,000 $55,000 -64.5% 0.0%
    Centier Bank $45,000 n/a 0.0%
    GFA Federal Credit Union $45,000 n/a 0.0%
    TCT $35,000 n/a 0.0%

    UTICA - ROME's top lender by overall market share is FIRST SOURCE, with 14.4% market share. In second place, with 10.5%, is AMERICU Credit Union, having originated $96,280,000 in loans. In third place, with 8.4%, is Adirondack Bank, having originated $76,525,000 in loans. In fourth place, with 6.4%, is QUICKEN LOANS, LLC, having originated $58,290,000 in loans. In fifth place, with 6.2%, is Community Bank, having originated $57,115,000 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%) $208,074 (7.7%) 0.44 768
    2019-03-01 $139,671 (7.9%) $217,080 (9.9%) 0.46 744
    2019-04-01 $149,900 (7.7%) $225,400 (10.2%) 0.48 733
    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 (10.7%) 0.49 630
    2020-03-01 $155,950 (11.7%) $224,629 (3.5%) 0.49 593
    2020-04-01 $158,400 (5.7%) $236,577 (5.0%) 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%) 0.50 515
    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%) 0.53 316
    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
    2023-03-01 $190,200 (5.4%) $270,017 (2.8%) 0.45 280
    2023-04-01 $198,000 (7.0%) $276,165 (4.8%) 0.46 270
    2023-05-01 $207,450 (12.2%) $280,156 (-0.9%) 0.47 291
    2023-06-01 $209,950 (5.0%) $290,098 (-0.1%) 0.47 298
    2023-07-01 $229,000 (15.1%) $318,126 (13.9%) 0.52 336
    2023-08-01 $229,125 (19.6%) $313,034 (18.7%) 0.53 385
    UTICA - ROME's median listing price for 2023-08-01 was $229,125, a difference of $37,550 (19.6%) versus the prior year and $125 versus the prior month.

    UTICA - ROME's median listing price comes in at 53% of the national average.

    UTICA - ROME's average listing price for 2023-08-01 was $313,034, a difference of $49,227 (18.7%) versus the prior year and $-5,092 versus the prior month.

    For the 2023-08-01 period, UTICA - ROME had 385 MLS listings, a difference of 49 listings (15%) versus the prior month and -71 listings (-16%) 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
    2018-01-01 106 days 1,535 sqft
    2018-02-01 105 days 1,561 sqft
    2018-03-01 103 days 1,568 sqft
    2018-04-01 86 days 1,624 sqft
    2018-05-01 52 days 1,648 sqft
    2018-06-01 50 days 1,676 sqft
    2018-07-01 56 days 1,666 sqft
    2018-08-01 59 days 1,673 sqft
    2018-09-01 67 days 1,660 sqft
    2018-10-01 74 days 1,625 sqft
    2018-11-01 84 days 1,632 sqft
    2018-12-01 92 days 1,596 sqft
    2019-01-01 94 days 1,580 sqft
    2019-02-01 98 days 1,579 sqft
    2019-03-01 87 days 1,627 sqft
    2019-04-01 70 days 1,663 sqft
    2019-05-01 56 days 1,668 sqft
    2019-06-01 47 days 1,665 sqft
    2019-07-01 51 days 1,660 sqft
    2019-08-01 57 days 1,655 sqft
    2019-09-01 63 days 1,665 sqft
    2019-10-01 68 days 1,667 sqft
    2019-11-01 71 days 1,651 sqft
    2019-12-01 92 days 1,641 sqft
    2020-01-01 107 days 1,646 sqft
    2020-02-01 106 days 1,632 sqft
    2020-03-01 106 days 1,669 sqft
    2020-04-01 104 days 1,680 sqft
    2020-05-01 112 days 1,700 sqft
    2020-06-01 95 days 1,664 sqft
    2020-07-01 54 days 1,659 sqft
    2020-08-01 60 days 1,664 sqft
    2020-09-01 58 days 1,702 sqft
    2020-10-01 54 days 1,680 sqft
    2020-11-01 63 days 1,677 sqft
    2020-12-01 79 days 1,679 sqft
    2021-01-01 93 days 1,641 sqft
    2021-02-01 103 days 1,631 sqft
    2021-03-01 85 days 1,645 sqft
    2021-04-01 62 days 1,705 sqft
    2021-05-01 38 days 1,680 sqft
    2021-06-01 35 days 1,684 sqft
    2021-07-01 42 days 1,689 sqft
    2021-08-01 41 days 1,656 sqft
    2021-09-01 45 days 1,663 sqft
    2021-10-01 56 days 1,656 sqft
    2021-11-01 62 days 1,651 sqft
    2021-12-01 76 days 1,663 sqft
    2022-01-01 81 days 1,623 sqft
    2022-02-01 75 days 1,586 sqft
    2022-03-01 62 days 1,586 sqft
    2022-04-01 54 days 1,627 sqft
    2022-05-01 42 days 1,605 sqft
    2022-06-01 35 days 1,655 sqft
    2022-07-01 43 days 1,632 sqft
    2022-08-01 50 days 1,631 sqft
    2022-09-01 54 days 1,600 sqft
    2022-10-01 58 days 1,585 sqft
    2022-11-01 62 days 1,592 sqft
    2022-12-01 76 days 1,584 sqft
    2023-01-01 82 days 1,584 sqft
    2023-02-01 90 days 1,588 sqft
    2023-03-01 79 days 1,602 sqft
    2023-04-01 68 days 1,600 sqft
    2023-05-01 49 days 1,597 sqft
    2023-06-01 49 days 1,585 sqft
    2023-07-01 44 days 1,650 sqft
    2023-08-01 44 days 1,632 sqft
    UTICA - ROME's median listing age (time on market) for 2023-08-01 was 44 days. This is -13% shorter than the same period one year ago.

    UTICA - ROME's median square footage for active listings during the 2023-08-01 period was 1,632 sqft. One year prior, the average listing was 1,631 sqft.

    UTICA-ROME, NY Average Rent (2023)

    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 2,736 $536,230,000 $195,990
    Refi 1,335 $179,475,000 $134,438
    Home Improvement 926 $68,330,000 $73,790
    Other 638 $49,550,000 $77,665
    Cash Out Refi 524 $82,580,000 $157,595
    NA 3 $235,000 $78,333

    Utica - Rome's most frequently cited loan purpose was Home Purchase, with 2,736 originations. The 2nd most popular reason was Refi, with 1,335 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 1,595 $251,895,000 $157,928
    4-5% 1,359 $227,515,000 $167,414
    5-6% 1,157 $191,995,000 $165,942
    <2.5% 632 $60,980,000 $96,487
    2.5-3% 568 $79,560,000 $140,070
    6-7% 470 $63,410,000 $134,915
    7-8% 170 $18,340,000 $107,882
    Over 8% 131 $8,125,000 $62,023

    During 2022, Utica - Rome's most frequently originated rate bucket was 3-4%, with 1,595 originations.

    Loan Sizing (UTICA-ROME, NY MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 2,548 $362,240,000 $142,166
    $100,000 or less 2,432 $140,420,000 $57,738
    $200k-400k 1,039 $270,795,000 $260,630
    $400k-600k 97 $45,205,000 $466,031
    $600k-1000k 33 $23,345,000 $707,424
    $Over $1MM 13 $74,395,000 $5,722,692

    UTICA - ROME's loan sizing saw the bucket of loans from $100k-200k with 2,548 originations, totaling $362,240,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 2,236 $410,480,000 $183,578
    60-80% 1,433 $289,545,000 $202,055
    20-40% 973 $68,875,000 $70,786
    40-60% 786 $100,770,000 $128,206
    Under 20% 606 $20,130,000 $33,218
    Over 100% 47 $10,575,000 $225,000

    UTICA - ROME's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,236 originations, totaling $410,480,000 in origination value.