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 6.06% for the week of 2024-10-24, compared to the national average of 6.54% for the same period.

The average rate for the prior week (2024-10-17) was 6.26% and one month ago for the week of 2024-09-19, the average rate was 5.61%.

Utica - Rome's average rate one year ago was 7.15%.

For refis of the same type during the week of 2024-10-24, the average rate was 6.81%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-24 6.54%
Utica - Rome 30 Year Fixed Rate 2024-10-24 6.06%
Utica - Rome 30 Year Fixed Rate Refi 2024-10-24 6.81%
Utica - Rome 15 Year Fixed Rate 2024-10-24 6.31%
Utica - Rome 15 Year Fixed Rate Refi 2024-10-24 6.14%
Utica - Rome 30 Year FHA 2024-10-24 6.12%
Utica - Rome 30 Year FHA Refi 2024-10-24 6.45%
Utica - Rome 30 Year USDA 2024-10-24 6.29%
Utica - Rome 30 Year USDA Refi 2024-10-24 6.39%
Utica - Rome 30 Year VA 2024-10-24 6.33%
Utica - Rome 30 Year VA Refi 2024-10-24 6.04%
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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Community Bank 122 6.95% $712
FIRST SOURCE 103 5.50% $3,929
Adirondack Bank 101 6.25% $3,740
HOMESTEAD FUNDING CORP. 93 6.64% $4,103
QUICKEN LOANS, LLC 69 7.18% $6,956
PLAZA HOME MORTGAGE, INC. 67 6.62% $8,096
SEFCU SERVICES, LLC 56 6.07% $3,885
AMERICU Credit Union 45 5.73% $4,327
Premium Mortgage Corporation 45 6.56% $4,315
NBT Bank 43 6.15% $3,638
KeyBank 35 6.26% $4,552
M&T Bank 27 6.68% $5,361
GPO Federal Credit Union 24 6.24% $3,317
HUNT MORTGAGE CORPORATION 24 6.58% $7,299
MOVEMENT MORTGAGE, LLC 20 6.84% $5,730
Farm Credit East, ACA 19 7.48% $6,174
UNITED WHOLESALE MORTGAGE, LLC 14 6.29% $8,757
JPMorgan Chase Bank 14 6.78% $5,483
Citizens Bank 14 6.56% $4,348
PARAGON HOME LOANS INC. 12 6.65% $5,107
Geddes Federal Savings and Loan Association 11 5.84% $4,767
Mr. Cooper ( Nationstar Mortgage ) 10 7.13% $7,914
Berkshire Bank 9 6.08% $4,239
Genesee Regional Bank 9 7.04% $5,697
Wells Fargo Bank 8 6.44% $4,017
Empower Federal Credit Union 8 6.53% $3,287
PRIMELENDING, A PLAINSCAPITAL COMPANY 8 6.97% $7,351
1ST PRIORITY MORTGAGE, INC. 8 6.72% $4,552
ROYAL UNITED MORTGAGE LLC 5 7.33% $5,678
NEWREZ LLC 5 7.25% $6,473
CROSSCOUNTRY MORTGAGE, LLC 4 7.59% $7,208
21ST MORTGAGE CORPORATION 4 8.11% $6,079
Bank of America 4 5.97% $6,180
NAVY FEDERAL CREDIT UNION 3 6.29% $5,020
HOME TOWN FUNDING, INC. 3 6.75% $4,268
NORTHERN CREDIT UNION 3 6.88% $6,307
TD Bank 3 6.89% $3,049
PENNYMAC LOAN SERVICES, LLC 2 6.25% $4,757
PHH Mortgage Corporation 2 6.44% $5,595
ARC HOME LLC 2 6.63% $5,989
LOANDEPOT.COM, LLC 2 7.06% $8,141
FREEDOM MORTGAGE CORPORATION 2 7.00% $10,255
The Lyons National Bank 2 6.88% $7,634
A&D Mortgage LLC 2 10.25% $23,944
NBKC BANK 2 6.38% $5,163
Carrington Mortgage Services, LLC 1 6.63% $3,792
CARDINAL FINANCIAL 1 6.88% $7,726
BOND STREET MORTGAGE, LLC 1 6.99% $7,890
BETTER MORTGAGE CORPORATION 1 7.63% $10,102
Northpointe Bank 1 7.38% $5,734
Northwest Bank 1 9.13% $2,283
NP, Inc. 1 9.25% $6,856
OWNERSCHOICE FUNDING, INCORPORATED 1 7.38% $4,360
Barrington Bank & Trust Company, N.A. 1 6.13% $3,702
Pathfinder Bank 1 7.25% $2,576
PENTAGON FEDERAL CREDIT UNION 1 6.13% $8,433
AMERICAN FINANCIAL NETWORK, INC. 1 7.50% $5,071
AMERICAN FEDERAL MORTGAGE CORPORATION 1 7.25% $6,276
Amalgamated Bank 1 7.13% $6,660
Ally Bank 1 6.88% $8,505
THE SUMMIT Federal Credit Union 1 7.38% $5,774
USAA Federal Savings Bank 1 7.63% $5,425
U.S. Bank 1 6.50% $4,799
VAN DYK MORTGAGE CORPORATION 1 6.63% $4,967
Wayne Bank 1 6.88% $4,380
First Savings Bank 1 6.75% $3,294
First Merchants Bank 1 7.00% $6,097
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.63% $7,667
FM Home Loans, LLC 1 8.25% $6,662
Evolve Bank & Trust 1 5.88% $5,988
Discover Bank 1 7.49% $0
GUIDANCE RESIDENTIAL, LLC 1 7.50% $6,089
Colonial Savings, F.A. 1 7.00% $5,676
Citizens & Northern Bank 1 6.50% $21,012
JET DIRECT FUNDING CORP 1 6.63% $5,265
Citibank 1 4.00% $9,141
JUSTICE Federal Credit Union 1 6.38% $3,379
CFCU Community Credit Union 1 5.88% $0
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 6.63% $5,437
Metro City Bank 1 7.25% $5,269
Mortgage Research Center, LLC 1 7.63% $4,955

UTICA - ROME Average Closing Costs & Other Stats

UTICA-ROME, NY's 81 lenders originated 4,278 loans during 2023. The total origination value was $779,030,000, with an average loan value of $182,101.

UTICA - ROME's average closing costs are $4,775.

The top UTICA - ROME lender as defined by loan originations is Community Bank, with 122 loans originated. Their average total fees are $712, which is $3,217 lower than the next largest lender, FIRST SOURCE.

The lowest fee UTICA - ROME lenders (with over 10 loans originated) are Community Bank ($712), GPO Federal Credit Union ($3,317), NBT Bank ($3,638), Adirondack Bank ($3,740) and SEFCU SERVICES, LLC ($3,885).

The lowest rate UTICA - ROME lenders (with over 10 loans originated) are FIRST SOURCE (5.50%), AMERICU Credit Union (5.73%), Geddes Federal Savings and Loan Association (5.84%), SEFCU SERVICES, LLC (6.07%) and NBT Bank (6.15%).

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
JONES LANG LASALLE MULTIFAMILY, LLC $179,545,000 n/a 23.0%
FIRST SOURCE $132,145,000 $85,240,000 -35.5% 10.9%
NBT Bank $40,465,000 $52,870,000 30.7% 6.8%
Adirondack Bank $76,525,000 $45,690,000 -40.3% 5.9%
AMERICU Credit Union $96,280,000 $43,870,000 -54.4% 5.6%
PLAZA HOME MORTGAGE, INC. $54,985,000 $36,660,000 -33.3% 4.7%
HOMESTEAD FUNDING CORP. $34,320,000 $35,000,000 2.0% 4.5%
Community Bank $57,115,000 $31,820,000 -44.3% 4.1%
QUICKEN LOANS, LLC $58,290,000 $31,240,000 -46.4% 4.0%
GPO Federal Credit Union $22,620,000 $22,485,000 -0.6% 2.9%
Premium Mortgage Corporation $30,155,000 $18,880,000 -37.4% 2.4%
M&T Bank $30,195,000 $17,045,000 -43.6% 2.2%
SEFCU SERVICES, LLC $7,440,000 $13,360,000 79.6% 1.7%
KeyBank $23,610,000 $12,245,000 -48.1% 1.6%
Citizens Bank $13,620,000 $9,225,000 -32.3% 1.2%
MOVEMENT MORTGAGE, LLC $9,285,000 $8,055,000 -13.2% 1.0%
Mortgage Research Center, LLC $6,745,000 $7,605,000 12.8% 1.0%
HUNT MORTGAGE CORPORATION $10,815,000 $7,600,000 -29.7% 1.0%
Geddes Federal Savings and Loan Association $8,260,000 $7,285,000 -11.8% 0.9%
NAVY FEDERAL CREDIT UNION $5,015,000 $6,185,000 23.3% 0.8%
Empower Federal Credit Union $8,605,000 $5,550,000 -35.5% 0.7%
Farm Credit East, ACA $7,190,000 $5,410,000 -24.8% 0.7%
Berkshire Bank $7,540,000 $4,715,000 -37.5% 0.6%
UNITED WHOLESALE MORTGAGE, LLC $8,835,000 $4,565,000 -48.3% 0.6%
21ST MORTGAGE CORPORATION $2,530,000 $3,055,000 20.8% 0.4%
Genesee Regional Bank $4,100,000 $2,915,000 -28.9% 0.4%
PARAGON HOME LOANS INC. $9,115,000 $2,870,000 -68.5% 0.4%
ACCESS Federal Credit Union $2,380,000 $2,845,000 19.5% 0.4%
USAA Federal Savings Bank $4,475,000 $2,740,000 -38.8% 0.4%
Wells Fargo Bank $7,590,000 $2,730,000 -64.0% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $7,125,000 $2,565,000 -64.0% 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $5,420,000 $2,540,000 -53.1% 0.3%
JPMorgan Chase Bank $5,320,000 $2,520,000 -52.6% 0.3%
HOME TOWN FUNDING, INC. $1,370,000 $2,255,000 64.6% 0.3%
Arbor Realty Trust, Inc. $2,025,000 n/a 0.3%
1ST PRIORITY MORTGAGE, INC. $3,785,000 $1,920,000 -49.3% 0.2%
LIMA ONE CAPITAL, LLC $870,000 $1,820,000 109.2% 0.2%
Bank of America $2,930,000 $1,810,000 -38.2% 0.2%
LENDINGHOME FUNDING CORPORATION $340,000 $1,480,000 335.3% 0.2%
TD Bank $680,000 $1,370,000 101.5% 0.2%
A&D Mortgage LLC $175,000 $1,345,000 668.6% 0.2%
LOANDEPOT.COM, LLC $4,445,000 $1,195,000 -73.1% 0.2%
NEWREZ LLC $1,190,000 $1,165,000 -2.1% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $2,315,000 $1,150,000 -50.3% 0.1%
STATE EMPLOYEES FEDERAL CREDIT UNION $950,000 $1,120,000 17.9% 0.1%
NORTHERN CREDIT UNION $695,000 $1,115,000 60.4% 0.1%
RELIANCE FIRST CAPITAL, LLC $1,070,000 $1,105,000 3.3% 0.1%
Pathfinder Bank $790,000 $1,065,000 34.8% 0.1%
Discover Bank $245,000 $1,040,000 324.5% 0.1%
FREEDOM MORTGAGE CORPORATION $835,000 $1,015,000 21.6% 0.1%
Barrington Bank & Trust Company, N.A. $1,640,000 $980,000 -40.2% 0.1%
PENTAGON FEDERAL CREDIT UNION $685,000 $940,000 37.2% 0.1%
ROYAL UNITED MORTGAGE LLC $1,630,000 $920,000 -43.6% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $750,000 $885,000 18.0% 0.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $575,000 $880,000 53.0% 0.1%
TRIAD FINANCIAL SERVICES, INC. $485,000 $805,000 66.0% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $1,720,000 $735,000 -57.3% 0.1%
The Lyons National Bank $1,135,000 $730,000 -35.7% 0.1%
PENNYMAC LOAN SERVICES, LLC $105,000 $715,000 581.0% 0.1%
U.S. Bank $240,000 $700,000 191.7% 0.1%
Citizens & Northern Bank $685,000 n/a 0.1%
FIRST CREDIT CORPORATION OF NEW YORK, INC. $760,000 $660,000 -13.2% 0.1%
TEMPLE VIEW CAPITAL FUNDING, LP $75,000 $660,000 780.0% 0.1%
The Bank of Greene County $615,000 n/a 0.1%
Carthage Federal Savings and Loan Association $610,000 n/a 0.1%
Northwest Bank $605,000 n/a 0.1%
VELOCITY COMMERCIAL CAPITAL, LLC $595,000 n/a 0.1%
The National Bank of Coxsackie $1,470,000 $590,000 -59.9% 0.1%
Ballston Spa National Bank $995,000 $535,000 -46.2% 0.1%
Service Federal Credit Union $355,000 $510,000 43.7% 0.1%
Wayne Bank $510,000 $465,000 -8.8% 0.1%
TOTAL MORTGAGE SERVICES, LLC $135,000 $450,000 233.3% 0.1%
Bank of England $1,030,000 $415,000 -59.7% 0.1%
Citibank $75,000 $405,000 440.0% 0.1%
CARDINAL FINANCIAL $390,000 $390,000 0.0% 0.1%
Northpointe Bank $390,000 n/a 0.1%
PHH Mortgage Corporation $535,000 $375,000 -29.9% 0.0%
THE SUMMIT Federal Credit Union $405,000 $375,000 -7.4% 0.0%
First Savings Bank $355,000 n/a 0.0%
Carrington Mortgage Services, LLC $2,290,000 $350,000 -84.7% 0.0%
Webster Bank $330,000 n/a 0.0%
Ally Bank $235,000 $325,000 38.3% 0.0%
AMERICAN FEDERAL MORTGAGE CORPORATION $325,000 n/a 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $295,000 $310,000 5.1% 0.0%
NBKC BANK $335,000 $310,000 -7.5% 0.0%
US MORTGAGE CORPORATION $310,000 n/a 0.0%
ARC HOME LLC $300,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $250,000 $300,000 20.0% 0.0%
Tompkins Trust Company $1,435,000 $300,000 -79.1% 0.0%
BETTER MORTGAGE CORPORATION $755,000 $295,000 -60.9% 0.0%
CONTOUR MORTGAGE CORPORATION $470,000 $285,000 -39.4% 0.0%
WINGS FINANCIAL $285,000 n/a 0.0%
Nations Lending Corporation $265,000 n/a 0.0%
AMWEST FUNDING CORP. $260,000 n/a 0.0%
HUDSON HERITAGE $255,000 n/a 0.0%
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. $255,000 n/a 0.0%
Evolve Bank & Trust $245,000 n/a 0.0%
JUSTICE Federal Credit Union $245,000 n/a 0.0%
Solvay Bank $725,000 $245,000 -66.2% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $245,000 n/a 0.0%
Flagstar Bank, FSB $750,000 $240,000 -68.0% 0.0%
JET DIRECT FUNDING CORP $225,000 n/a 0.0%
WALL STREET MORTGAGE BANKERS, LTD. $225,000 n/a 0.0%
AMERICAN HERITAGE LENDING, INC. $205,000 n/a 0.0%
First Merchants Bank $205,000 n/a 0.0%
Seneca Savings $275,000 $205,000 -25.5% 0.0%
OWNERSCHOICE FUNDING, INCORPORATED $135,000 $195,000 44.4% 0.0%
Centier Bank $45,000 $180,000 300.0% 0.0%
ABSOLUTE HOME MORTGAGE CORPORATION $175,000 n/a 0.0%
ALLIED MORTGAGE GROUP, INC. $175,000 n/a 0.0%
Colonial Savings, F.A. $735,000 $175,000 -76.2% 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $945,000 $175,000 -81.5% 0.0%
Amalgamated Bank $165,000 n/a 0.0%
The Federal Savings Bank $490,000 $165,000 -66.3% 0.0%
Metro City Bank $160,000 n/a 0.0%
BOND STREET MORTGAGE, LLC $145,000 n/a 0.0%
FM Home Loans, LLC $245,000 $145,000 -40.8% 0.0%
The Canandaigua National Bank and Trust Company $735,000 $145,000 -80.3% 0.0%
CFCU Community Credit Union $155,000 $135,000 -12.9% 0.0%
EMBRACE HOME LOANS, INC. $420,000 $135,000 -67.9% 0.0%
PNC Bank $13,555,000 $130,000 -99.0% 0.0%
GUIDANCE RESIDENTIAL, LLC $235,000 $125,000 -46.8% 0.0%
NP, Inc. $125,000 n/a 0.0%
UIF CORPORATION $495,000 $125,000 -74.7% 0.0%
Plains Commerce Bank $115,000 n/a 0.0%
CORNING $125,000 $105,000 -16.0% 0.0%
VAN DYK MORTGAGE CORPORATION $105,000 n/a 0.0%
LENDINGONE, LLC $95,000 n/a 0.0%
MID-ISLAND MORTGAGE CORP. $95,000 n/a 0.0%
Ukrainian Federal Credit Union $95,000 $95,000 0.0% 0.0%
AMERICAN FINANCING CORPORATION $390,000 $85,000 -78.2% 0.0%
GREENWOOD $280,000 $80,000 -71.4% 0.0%
AMERICAN FINANCIAL NETWORK, INC. $75,000 n/a 0.0%
FIRST NEW YORK $75,000 n/a 0.0%
Fulton Savings Bank $980,000 $75,000 -92.3% 0.0%
The People's Credit Union $110,000 $75,000 -31.8% 0.0%
Municipal Credit Union $55,000 n/a 0.0%
UTILITIES EMPLOYEES CREDIT UNION $265,000 $55,000 -79.2% 0.0%
Bethpage Federal Credit Union $85,000 $45,000 -47.1% 0.0%
TRADEMARK $45,000 n/a 0.0%
Baxter Credit Union $35,000 n/a 0.0%
SUNMARK FEDERAL CREDIT UNION $680,000 $15,000 -97.8% 0.0%

UTICA - ROME's top lender by overall market share is JONES LANG LASALLE MULTIFAMILY, LLC, with 23.0% market share. In second place, with 10.9%, is FIRST SOURCE, having originated $85,240,000 in loans. In third place, with 6.8%, is NBT Bank, having originated $52,870,000 in loans. In fourth place, with 5.9%, is Adirondack Bank, having originated $45,690,000 in loans. In fifth place, with 5.6%, is AMERICU Credit Union, having originated $43,870,000 in loans.

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 MSA $770 $870 $1,070 $1,320 $1,520
13042 Utica-Rome, NY MSA $1,030 $1,100 $1,370 $1,680 $1,960
13054 Utica-Rome, NY MSA $850 $860 $1,080 $1,340 $1,550
13123 Utica-Rome, NY MSA $850 $880 $1,100 $1,340 $1,580
13157 Utica-Rome, NY MSA $900 $910 $1,140 $1,390 $1,640
13162 Utica-Rome, NY MSA $840 $850 $1,080 $1,330 $1,540
13301 Utica-Rome, NY MSA $720 $720 $910 $1,110 $1,310
13303 Utica-Rome, NY MSA $760 $760 $960 $1,170 $1,380
13304 Utica-Rome, NY MSA $910 $910 $1,150 $1,400 $1,660
13308 Utica-Rome, NY MSA $850 $850 $1,070 $1,300 $1,540
13309 Utica-Rome, NY MSA $700 $700 $880 $1,070 $1,270
13313 Utica-Rome, NY MSA $700 $710 $890 $1,080 $1,280
13316 Utica-Rome, NY MSA $700 $710 $880 $1,080 $1,270
13318 Utica-Rome, NY MSA $820 $830 $1,040 $1,270 $1,500
13319 Utica-Rome, NY MSA $710 $720 $900 $1,100 $1,300
13321 Utica-Rome, NY MSA $760 $760 $960 $1,170 $1,380
13322 Utica-Rome, NY MSA $750 $760 $950 $1,160 $1,370
13323 Utica-Rome, NY MSA $940 $950 $1,190 $1,450 $1,710
13324 Utica-Rome, NY MSA $700 $710 $890 $1,080 $1,280
13328 Utica-Rome, NY MSA $780 $790 $990 $1,210 $1,430
13329 Utica-Rome, NY MSA $650 $660 $830 $1,010 $1,190
13331 Utica-Rome, NY MSA $700 $710 $890 $1,080 $1,280
13338 Utica-Rome, NY MSA $720 $720 $910 $1,110 $1,310
13339 Utica-Rome, NY MSA $750 $760 $950 $1,160 $1,370
13340 Utica-Rome, NY MSA $730 $740 $930 $1,130 $1,340
13341 Utica-Rome, NY MSA $940 $950 $1,190 $1,450 $1,710
13350 Utica-Rome, NY MSA $810 $820 $1,030 $1,250 $1,480
13352 Utica-Rome, NY MSA $730 $740 $920 $1,120 $1,330
13354 Utica-Rome, NY MSA $660 $660 $830 $1,010 $1,200
13357 Utica-Rome, NY MSA $660 $670 $840 $1,020 $1,210
13360 Utica-Rome, NY MSA $700 $710 $890 $1,080 $1,280
13361 Utica-Rome, NY MSA $700 $710 $890 $1,080 $1,280
13362 Utica-Rome, NY MSA $740 $750 $940 $1,150 $1,360
13363 Utica-Rome, NY MSA $1,070 $1,080 $1,360 $1,660 $1,960
13365 Utica-Rome, NY MSA $650 $660 $830 $1,010 $1,190
13367 Utica-Rome, NY MSA $730 $740 $930 $1,130 $1,340
13401 Utica-Rome, NY MSA $770 $770 $970 $1,180 $1,400
13402 Utica-Rome, NY MSA $750 $840 $1,040 $1,280 $1,480
13403 Utica-Rome, NY MSA $710 $720 $900 $1,100 $1,300
13406 Utica-Rome, NY MSA $850 $860 $1,080 $1,310 $1,560
13407 Utica-Rome, NY MSA $690 $690 $870 $1,060 $1,250
13409 Utica-Rome, NY MSA $760 $850 $1,050 $1,290 $1,500
13413 Utica-Rome, NY MSA $960 $960 $1,210 $1,470 $1,740
13416 Utica-Rome, NY MSA $650 $660 $830 $1,010 $1,190
13417 Utica-Rome, NY MSA $760 $760 $960 $1,170 $1,380
13420 Utica-Rome, NY MSA $700 $710 $890 $1,080 $1,280
13421 Utica-Rome, NY MSA $720 $790 $980 $1,210 $1,400
13424 Utica-Rome, NY MSA $730 $740 $930 $1,130 $1,340
13425 Utica-Rome, NY MSA $740 $750 $940 $1,150 $1,360
13431 Utica-Rome, NY MSA $750 $760 $950 $1,160 $1,370
13435 Utica-Rome, NY MSA $730 $740 $930 $1,130 $1,340
13438 Utica-Rome, NY MSA $730 $740 $930 $1,130 $1,340
13439 Utica-Rome, NY MSA $730 $730 $920 $1,120 $1,330
13440 Utica-Rome, NY MSA $770 $780 $980 $1,190 $1,410
13441 Utica-Rome, NY MSA $730 $740 $930 $1,130 $1,340
13442 Utica-Rome, NY MSA $770 $770 $970 $1,180 $1,400
13454 Utica-Rome, NY MSA $690 $690 $870 $1,060 $1,250
13455 Utica-Rome, NY MSA $770 $770 $970 $1,180 $1,400
13456 Utica-Rome, NY MSA $850 $850 $1,070 $1,300 $1,540
13461 Utica-Rome, NY MSA $810 $820 $1,030 $1,250 $1,480
13469 Utica-Rome, NY MSA $710 $720 $900 $1,100 $1,300
13470 Utica-Rome, NY MSA $650 $660 $830 $1,010 $1,190
13471 Utica-Rome, NY MSA $800 $800 $1,010 $1,230 $1,460
13472 Utica-Rome, NY MSA $700 $710 $890 $1,080 $1,280
13475 Utica-Rome, NY MSA $750 $760 $950 $1,160 $1,370
13476 Utica-Rome, NY MSA $770 $780 $980 $1,190 $1,410
13477 Utica-Rome, NY MSA $770 $800 $1,000 $1,220 $1,440
13478 Utica-Rome, NY MSA $730 $740 $930 $1,130 $1,340
13479 Utica-Rome, NY MSA $770 $770 $970 $1,180 $1,400
13480 Utica-Rome, NY MSA $700 $710 $890 $1,090 $1,280
13483 Utica-Rome, NY MSA $1,130 $1,140 $1,430 $1,740 $2,060
13486 Utica-Rome, NY MSA $860 $870 $1,090 $1,330 $1,570
13489 Utica-Rome, NY MSA $750 $750 $950 $1,160 $1,370
13490 Utica-Rome, NY MSA $790 $800 $1,000 $1,210 $1,440
13491 Utica-Rome, NY MSA $700 $720 $900 $1,090 $1,290
13492 Utica-Rome, NY MSA $770 $770 $970 $1,180 $1,400
13494 Utica-Rome, NY MSA $710 $710 $900 $1,100 $1,300
13495 Utica-Rome, NY MSA $690 $690 $870 $1,060 $1,250
13501 Utica-Rome, NY MSA $690 $690 $870 $1,060 $1,250
13502 Utica-Rome, NY MSA $780 $790 $990 $1,200 $1,430
13503 Utica-Rome, NY MSA $770 $770 $970 $1,180 $1,400
13504 Utica-Rome, NY MSA $770 $770 $970 $1,180 $1,400
13505 Utica-Rome, NY MSA $770 $770 $970 $1,180 $1,400

2022 Average & Median Rent Data Statistics
UTICA-ROME, NY average 1BR rent: $778, median: $760
UTICA-ROME, NY average 2BR rent: $977, median: $950
UTICA-ROME, NY average 3BR rent: $1,191, median: $1,160

UTICA-ROME, NY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,041 $368,525,000 $180,561
Home Improvement 892 $75,630,000 $84,787
Refi 564 $260,780,000 $462,376
Other 545 $38,745,000 $71,092
Cash Out Refi 232 $35,050,000 $151,078
NA 4 $300,000 $75,000

Utica - Rome's most frequently cited loan purpose was Home Purchase, with 2,041 originations. The 2nd most popular reason was Home Improvement, with 892 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 1,371 $227,845,000 $166,189
5-6% 917 $314,715,000 $343,201
7-8% 715 $116,425,000 $162,832
Over 8% 551 $51,045,000 $92,641
4-5% 330 $34,500,000 $104,545
3-4% 196 $16,260,000 $82,959
<2.5% 133 $12,495,000 $93,947
2.5-3% 4 $420,000 $105,000

During 2023, Utica - Rome's most frequently originated rate bucket was 6-7%, with 1,371 originations.

Loan Sizing (UTICA-ROME, NY MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 1,930 $106,680,000 $55,275
$100k-200k 1,543 $221,245,000 $143,386
$200k-400k 707 $185,055,000 $261,747
$400k-600k 68 $31,770,000 $467,206
$600k-1000k 21 $14,535,000 $692,143
$Over $1MM 9 $219,745,000 $24,416,111

UTICA - ROME's loan sizing saw the bucket of loans from $100,000 or less with 1,930 originations, totaling $106,680,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,473 $288,275,000 $195,706
60-80% 830 $157,300,000 $189,518
20-40% 815 $57,495,000 $70,546
Under 20% 608 $23,390,000 $38,470
40-60% 451 $56,845,000 $126,042
Over 100% 34 $189,720,000 $5,580,000

UTICA - ROME's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,473 originations, totaling $288,275,000 in origination value.