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 6.79% for the week of 2025-06-18, compared to the national average of 6.81% for the same period.

The average rate for the prior week (2025-06-12) was 6.82% and one month ago for the week of 2025-05-15, the average rate was 6.69%.

Utica - Rome's average rate one year ago was 6.83%.

For refis of the same type during the week of 2025-06-18, the average rate was 7.78%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Utica - Rome 30 Year Fixed Rate 2025-06-18 6.79%
Utica - Rome 30 Year Fixed Rate Refi 2025-06-18 7.78%
Utica - Rome 15 Year Fixed Rate 2025-06-18 6.46%
Utica - Rome 15 Year Fixed Rate Refi 2025-06-18 6.67%
Utica - Rome 30 Year FHA 2025-06-18 0.11%
Utica - Rome 30 Year FHA Refi 2025-06-18 -0.1%
Utica - Rome 30 Year USDA 2025-06-18 0.2%
Utica - Rome 30 Year USDA Refi 2025-06-18 -0.2%
Utica - Rome 30 Year VA 2025-06-18 0.1%
Utica - Rome 30 Year VA Refi 2025-06-18 0%
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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
AMERICU Credit Union 118 6.25% $4,182
Adirondack Bank 118 6.50% $3,867
Community Bank 114 7.45% $1,102
QUICKEN LOANS, LLC 103 6.97% $6,411
HOMESTEAD FUNDING CORP. 97 6.53% $3,832
PLAZA HOME MORTGAGE, INC. 72 6.49% $7,794
SEFCU SERVICES, LLC 68 6.41% $3,795
FIRST SOURCE 66 6.41% $3,760
KeyBank 43 6.37% $4,612
Premium Mortgage Corporation 43 6.67% $4,355
NBT Bank 42 6.34% $4,155
GPO Federal Credit Union 35 6.17% $3,654
MOVEMENT MORTGAGE, LLC 34 6.92% $5,620
M&T Bank 33 6.79% $4,418
HUNT MORTGAGE CORPORATION 33 6.96% $7,033
Geddes Federal Savings and Loan Association 20 6.08% $5,103
Farm Credit East, ACA 18 7.36% $5,118
UNITED WHOLESALE MORTGAGE, LLC 16 6.67% $7,874
Mr. Cooper ( Nationstar Mortgage ) 15 6.86% $7,692
Berkshire Bank 15 6.38% $4,008
Empower Federal Credit Union 14 6.41% $3,178
Genesee Regional Bank 13 6.71% $4,662
JPMorgan Chase Bank 11 6.91% $6,317
Wells Fargo Bank 11 7.25% $5,261
PRIMELENDING, A PLAINSCAPITAL COMPANY 9 6.86% $6,038
EVERETT FINANCIAL, INC. 8 6.75% $5,593
NEWREZ LLC 8 6.79% $6,354
Bank of America 6 6.15% $3,090
CROSSCOUNTRY MORTGAGE, LLC 5 6.95% $6,607
Citizens Bank 5 6.73% $4,050
ROYAL UNITED MORTGAGE LLC 4 7.41% $7,205
NAVY FEDERAL CREDIT UNION 4 6.69% $5,694
Ally Bank 4 6.47% $5,570
TD Bank 3 6.71% $6,735
ARC HOME LLC 3 7.04% $9,058
GUARANTEED RATE, INC. 3 7.52% $5,131
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 3 8.63% $8,825
NBKC BANK 3 7.04% $3,062
1ST PRIORITY MORTGAGE, INC. 3 6.42% $4,152
USAA Federal Savings Bank 3 6.58% $5,359
21ST MORTGAGE CORPORATION 2 8.50% $6,132
OWNERSCHOICE FUNDING, INCORPORATED 2 6.63% $5,787
AMERICAN FINANCING CORPORATION 2 7.69% $7,474
PENNYMAC LOAN SERVICES, LLC 2 7.31% $4,529
NORTHERN CREDIT UNION 2 6.81% $4,329
LOANDEPOT.COM, LLC 2 6.99% $7,262
GUIDANCE RESIDENTIAL, LLC 2 7.56% $5,584
RELIANCE FIRST CAPITAL, LLC 2 6.81% $12,266
CMG MORTGAGE, INC. 1 5.99% $9,933
NATIONWIDE MORTGAGE BANKERS, INC. 1 7.63% $7,034
CLIFFCO, INC. 1 8.13% $12,014
U.S. Bank 1 6.13% $8,507
Citizens & Northern Bank 1 7.00% $8,564
Citibank 1 7.13% $5,272
NORWICH COMMERCIAL GROUP, INC. 1 6.63% $7,784
Orrstown Bank 1 8.50% $12,440
PHH Mortgage Corporation 1 7.38% $5,448
Carrington Mortgage Services, LLC 1 7.88% $8,455
PNC Bank 1 6.88% $4,070
CARDINAL FINANCIAL 1 6.88% $7,961
BETTER MORTGAGE CORPORATION 1 7.00% $4,419
Bethpage Federal Credit Union 1 7.75% $4,760
Raymond James Bank 1 6.88% $4,248
RELIANT COMMUNITY FEDERAL CREDIT UNION 1 7.38% $2,755
Bank of Hope 1 7.00% $6,178
Stifel Bank and Trust 1 6.63% $4,845
Wayne Bank 1 6.25% $2,654
The Bank of Greene County 1 6.00% $5,719
The Federal Savings Bank 1 6.63% $10,470
The Huntington National Bank 1 7.25% $15,100
The Lyons National Bank 1 6.63% $1,076
UNITED MORTGAGE CORP 1 8.25% $18,104
AMERICAN FEDERAL MORTGAGE CORPORATION 1 6.38% $3,682
HARTFORD FUNDING, LTD. 1 6.50% $11,694
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 5.99% $7,751
HSBC BANK USA, NATIONAL ASSOCIATION 1 5.94% $5,038
HOME TOWN FUNDING, INC. 1 6.88% $3,237
Flagstar Bank, FSB 1 7.50% $4,675
FIRST NEW YORK 1 6.38% $3,726
Fifth Third Bank 1 7.25% $4,708
Metro City Bank 1 7.00% $6,751
Mortgage Research Center, LLC 1 7.50% $2,971
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.49% $8,139
Commerce Bank 1 7.13% $4,315

UTICA - ROME Average Closing Costs & Other Stats

UTICA-ROME, NY's 84 lenders originated 4,434 loans during 2024. The total origination value was $1,005,850,000, with an average loan value of $226,849.

UTICA - ROME's average closing costs are $4,876.

The top UTICA - ROME lender as defined by loan originations is AMERICU Credit Union, with 118 loans originated. Their average total fees are $4,182, which is $315 higher than the next largest lender, Adirondack Bank.

The lowest fee UTICA - ROME lenders (with over 10 loans originated) are Community Bank ($1,102), Empower Federal Credit Union ($3,178), GPO Federal Credit Union ($3,654), FIRST SOURCE ($3,760) and SEFCU SERVICES, LLC ($3,795).

The lowest rate UTICA - ROME lenders (with over 10 loans originated) are Geddes Federal Savings and Loan Association (6.08%), GPO Federal Credit Union (6.17%), AMERICU Credit Union (6.25%), NBT Bank (6.34%) and KeyBank (6.37%).

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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
JONES LANG LASALLE MULTIFAMILY, LLC $179,545,000 $344,225,000 91.7% 34.2%
FIRST SOURCE $85,240,000 $87,880,000 3.1% 8.7%
AMERICU Credit Union $43,870,000 $70,350,000 60.4% 7.0%
QUICKEN LOANS, LLC $31,240,000 $39,190,000 25.4% 3.9%
PLAZA HOME MORTGAGE, INC. $36,660,000 $37,715,000 2.9% 3.7%
Adirondack Bank $45,690,000 $37,370,000 -18.2% 3.7%
Community Bank $31,820,000 $34,085,000 7.1% 3.4%
HOMESTEAD FUNDING CORP. $35,000,000 $30,905,000 -11.7% 3.1%
GPO Federal Credit Union $22,485,000 $22,880,000 1.8% 2.3%
NBT Bank $52,870,000 $22,765,000 -56.9% 2.3%
M&T Bank $17,045,000 $22,400,000 31.4% 2.2%
SEFCU SERVICES, LLC $13,360,000 $19,550,000 46.3% 1.9%
Premium Mortgage Corporation $18,880,000 $17,815,000 -5.6% 1.8%
MOVEMENT MORTGAGE, LLC $8,055,000 $12,850,000 59.5% 1.3%
HUNT MORTGAGE CORPORATION $7,600,000 $11,390,000 49.9% 1.1%
KeyBank $12,245,000 $11,345,000 -7.3% 1.1%
Tompkins Trust Company $300,000 $11,310,000 3,670.0% 1.1%
Mortgage Research Center, LLC $7,605,000 $8,490,000 11.6% 0.8%
Geddes Federal Savings and Loan Association $7,285,000 $7,280,000 -0.1% 0.7%
Pathfinder Bank $1,065,000 $7,210,000 577.0% 0.7%
Empower Federal Credit Union $5,550,000 $6,790,000 22.3% 0.7%
Bank of America $1,810,000 $6,610,000 265.2% 0.7%
Citizens Bank $9,225,000 $6,305,000 -31.7% 0.6%
UNITED WHOLESALE MORTGAGE, LLC $4,565,000 $6,170,000 35.2% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $2,565,000 $5,580,000 117.5% 0.6%
Farm Credit East, ACA $5,410,000 $5,540,000 2.4% 0.6%
Berkshire Bank $4,715,000 $5,415,000 14.8% 0.5%
NEWREZ LLC $1,165,000 $4,395,000 277.3% 0.4%
NAVY FEDERAL CREDIT UNION $6,185,000 $4,285,000 -30.7% 0.4%
Genesee Regional Bank $2,915,000 $3,990,000 36.9% 0.4%
JPMorgan Chase Bank $2,520,000 $3,825,000 51.8% 0.4%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,540,000 $3,730,000 46.9% 0.4%
21ST MORTGAGE CORPORATION $3,055,000 $2,905,000 -4.9% 0.3%
U.S. Bank $700,000 $2,850,000 307.1% 0.3%
EVERETT FINANCIAL, INC. $2,720,000 n/a 0.3%
USAA Federal Savings Bank $2,740,000 $2,650,000 -3.3% 0.3%
Wells Fargo Bank $2,730,000 $2,505,000 -8.2% 0.2%
TD Bank $1,370,000 $2,415,000 76.3% 0.2%
FREEDOM MORTGAGE CORPORATION $1,015,000 $2,385,000 135.0% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $1,150,000 $2,275,000 97.8% 0.2%
PENNYMAC LOAN SERVICES, LLC $715,000 $1,910,000 167.1% 0.2%
RELIANCE FIRST CAPITAL, LLC $1,105,000 $1,655,000 49.8% 0.2%
STATE EMPLOYEES FEDERAL CREDIT UNION $1,120,000 $1,595,000 42.4% 0.2%
The Federal Savings Bank $165,000 $1,475,000 793.9% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $735,000 $1,425,000 93.9% 0.1%
1ST PRIORITY MORTGAGE, INC. $1,920,000 $1,395,000 -27.3% 0.1%
LENDINGHOME FUNDING CORPORATION $1,480,000 $1,165,000 -21.3% 0.1%
Discover Bank $1,040,000 $1,120,000 7.7% 0.1%
NORTHERN CREDIT UNION $1,115,000 $1,010,000 -9.4% 0.1%
GUARANTEED RATE, INC. $1,000,000 n/a 0.1%
PLANET HOME LENDING, LLC $995,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $920,000 $990,000 7.6% 0.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $880,000 $975,000 10.8% 0.1%
LOANDEPOT.COM, LLC $1,195,000 $970,000 -18.8% 0.1%
Carrington Mortgage Services, LLC $350,000 $950,000 171.4% 0.1%
The Lyons National Bank $730,000 $905,000 24.0% 0.1%
The Huntington National Bank $845,000 n/a 0.1%
CMG MORTGAGE, INC. $840,000 n/a 0.1%
NBKC BANK $310,000 $785,000 153.2% 0.1%
BETTER MORTGAGE CORPORATION $295,000 $680,000 130.5% 0.1%
ARC HOME LLC $300,000 $655,000 118.3% 0.1%
Fulton Savings Bank $75,000 $640,000 753.3% 0.1%
Wayne Bank $465,000 $640,000 37.6% 0.1%
OWNERSCHOICE FUNDING, INCORPORATED $195,000 $635,000 225.6% 0.1%
Ally Bank $325,000 $620,000 90.8% 0.1%
TRIAD FINANCIAL SERVICES, INC. $805,000 $620,000 -23.0% 0.1%
DOMINION FINANCIAL SERVICES, LLC $610,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $175,000 $590,000 237.1% 0.1%
EMM LOANS LLC $570,000 n/a 0.1%
Carthage Federal Savings and Loan Association $610,000 $510,000 -16.4% 0.1%
LIMA ONE CAPITAL, LLC $1,820,000 $490,000 -73.1% 0.0%
A&D Mortgage LLC $1,345,000 $485,000 -63.9% 0.0%
UNITED MORTGAGE CORP $485,000 n/a 0.0%
FIRST ALLIANCE HOME MORTGAGE, LLC $480,000 n/a 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $310,000 $480,000 54.8% 0.0%
ABSOLUTE HOME MORTGAGE CORPORATION $175,000 $475,000 171.4% 0.0%
GUIDANCE RESIDENTIAL, LLC $125,000 $455,000 264.0% 0.0%
The Bank of Greene County $615,000 $455,000 -26.0% 0.0%
Bank of England $415,000 $445,000 7.2% 0.0%
AMERICAN FINANCING CORPORATION $85,000 $415,000 388.2% 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $415,000 n/a 0.0%
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. $255,000 $405,000 58.8% 0.0%
Flagstar Bank, FSB $240,000 $395,000 64.6% 0.0%
Seneca Savings $205,000 $395,000 92.7% 0.0%
LENDINGONE, LLC $95,000 $375,000 294.7% 0.0%
AMERICAN FINANCIAL NETWORK, INC. $75,000 $370,000 393.3% 0.0%
TOTAL MORTGAGE SERVICES, LLC $450,000 $370,000 -17.8% 0.0%
HOME TOWN FUNDING, INC. $2,255,000 $365,000 -83.8% 0.0%
Barrington Bank & Trust Company, N.A. $980,000 $360,000 -63.3% 0.0%
TrustCo Bank $355,000 n/a 0.0%
Northwest Federal Credit Union $325,000 n/a 0.0%
Orrstown Bank $325,000 n/a 0.0%
Raymond James Bank $325,000 n/a 0.0%
Commerce Bank $315,000 n/a 0.0%
Ballston Spa National Bank $535,000 $310,000 -42.1% 0.0%
BROKER SOLUTIONS, INC. $310,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $300,000 $280,000 -6.7% 0.0%
Magnolia Bank $260,000 n/a 0.0%
Metro City Bank $160,000 $260,000 62.5% 0.0%
AMERICAN FEDERAL MORTGAGE CORPORATION $325,000 $255,000 -21.5% 0.0%
CARDINAL FINANCIAL $390,000 $235,000 -39.7% 0.0%
FIRST NEW YORK $75,000 $235,000 213.3% 0.0%
GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION $225,000 n/a 0.0%
Ukrainian Federal Credit Union $95,000 $225,000 136.8% 0.0%
Citizens & Northern Bank $685,000 $215,000 -68.6% 0.0%
HARTFORD FUNDING, LTD. $215,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $940,000 $215,000 -77.1% 0.0%
AMERICAN HERITAGE LENDING, INC. $205,000 $200,000 -2.4% 0.0%
GREENWOOD $80,000 $200,000 150.0% 0.0%
Plains Commerce Bank $115,000 $195,000 69.6% 0.0%
East Coast Capital Corp. $185,000 n/a 0.0%
RELIANT COMMUNITY FEDERAL CREDIT UNION $185,000 n/a 0.0%
Fifth Third Bank $180,000 n/a 0.0%
PHH Mortgage Corporation $375,000 $165,000 -56.0% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $245,000 $165,000 -32.7% 0.0%
Bank of Hope $155,000 n/a 0.0%
CLIFFCO, INC. $155,000 n/a 0.0%
Stifel Bank and Trust $145,000 n/a 0.0%
The People's Credit Union $75,000 $145,000 93.3% 0.0%
Equity Prime Mortgage LLC $135,000 n/a 0.0%
NORWICH COMMERCIAL GROUP, INC. $135,000 n/a 0.0%
SILVER HILL FUNDING, LLC $135,000 n/a 0.0%
UIF CORPORATION $125,000 $135,000 8.0% 0.0%
PNC Bank $130,000 $125,000 -3.8% 0.0%
SERVU FEDERAL CREDIT UNION $125,000 n/a 0.0%
SUNMARK FEDERAL CREDIT UNION $15,000 $125,000 733.3% 0.0%
AMWEST FUNDING CORP. $260,000 $115,000 -55.8% 0.0%
UNITED NORTHERN MORTGAGE BANKERS LIMITED $115,000 n/a 0.0%
Citibank $405,000 $105,000 -74.1% 0.0%
Hometown Equity Mortgage, LLC $105,000 n/a 0.0%
The Canandaigua National Bank and Trust Company $145,000 $105,000 -27.6% 0.0%
Bethpage Federal Credit Union $45,000 $95,000 111.1% 0.0%
First National Bank of America $95,000 n/a 0.0%
Baxter Credit Union $35,000 $85,000 142.9% 0.0%
CFCU Community Credit Union $135,000 $85,000 -37.0% 0.0%
ESL Federal Credit Union $85,000 n/a 0.0%
ALLIED MORTGAGE GROUP, INC. $175,000 $75,000 -57.1% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $595,000 $75,000 -87.4% 0.0%
ALLIANT CREDIT UNION $55,000 n/a 0.0%
HUDSON VALLEY CREDIT UNION $45,000 n/a 0.0%
Nassau Educators Federal Credit Union $45,000 n/a 0.0%
American Airlines Federal Credit Union $35,000 n/a 0.0%

UTICA - ROME's top lender by overall market share is JONES LANG LASALLE MULTIFAMILY, LLC, with 34.2% market share. In second place, with 8.7%, is FIRST SOURCE, having originated $87,880,000 in loans. In third place, with 7.0%, is AMERICU Credit Union, having originated $70,350,000 in loans. In fourth place, with 3.9%, is QUICKEN LOANS, LLC, having originated $39,190,000 in loans. In fifth place, with 3.7%, is PLAZA HOME MORTGAGE, INC., having originated $37,715,000 in loans.

UTICA-ROME, NY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,171 $434,825,000 $200,288
Home Improvement 933 $69,045,000 $74,003
Other 530 $39,020,000 $73,623
Refi 501 $65,935,000 $131,607
Cash Out Refi 295 $395,955,000 $1,342,220
NA 4 $1,070,000 $267,500

Utica - Rome's most frequently cited loan purpose was Home Purchase, with 2,171 originations. The 2nd most popular reason was Home Improvement, with 933 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 1,716 $643,900,000 $375,233
7-8% 832 $119,070,000 $143,113
Over 8% 698 $72,090,000 $103,281
5-6% 655 $111,585,000 $170,359
3-4% 255 $22,725,000 $89,118
4-5% 191 $21,275,000 $111,387
<2.5% 26 $500,000 $19,231
2.5-3% 8 $920,000 $115,000

During 2024, Utica - Rome's most frequently originated rate bucket was 6-7%, with 1,716 originations.

Loan Sizing (UTICA-ROME, NY MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 1,757 $98,035,000 $55,797
$100k-200k 1,701 $246,935,000 $145,170
$200k-400k 828 $218,300,000 $263,647
$400k-600k 116 $53,610,000 $462,155
$600k-1000k 19 $13,505,000 $710,789
$Over $1MM 13 $375,465,000 $28,881,923

UTICA - ROME's loan sizing saw the bucket of loans from $100,000 or less with 1,757 originations, totaling $98,035,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,523 $311,725,000 $204,678
60-80% 854 $177,340,000 $207,658
20-40% 837 $63,625,000 $76,016
Under 20% 638 $24,620,000 $38,589
40-60% 491 $64,445,000 $131,253
Over 100% 22 $348,870,000 $15,857,727

UTICA - ROME's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,523 originations, totaling $311,725,000 in origination value.