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.).
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.
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'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.
| 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.