UTICA - ROME Mortgage Rates

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

30 Year Fixed Rate mortgages in Utica - Rome averaged 5.38% for the week of 2022-05-12, compared to the national average of 5.3% for the same period.

The average rate for the prior week (2022-05-05) was 5.45% and one month ago for the week of 2022-04-07, the average rate was 5.1%.

Utica - Rome's average rate one year ago was 3.06%.

For refis of the same type during the week of 2022-05-12, the average rate was 5.59%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-12 5.3%
Utica - Rome 30 Year Fixed Rate 2022-05-12 5.38%
Utica - Rome 30 Year Fixed Rate Refi 2022-05-12 5.59%
Utica - Rome 15 Year Fixed Rate 2022-05-12 4.95%
Utica - Rome 15 Year Fixed Rate Refi 2022-05-12 4.62%
Utica - Rome 30 Year FHA 2022-05-12 5.31%
Utica - Rome 30 Year FHA Refi 2022-05-12 5.63%
Utica - Rome 30 Year USDA 2022-05-12 5.37%
Utica - Rome 30 Year USDA Refi 2022-05-12 5.14%
Utica - Rome 30 Year VA 2022-05-12 5.52%
Utica - Rome 30 Year VA Refi 2022-05-12 5.33%
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 lendor, for only loans originated in the UTICA-ROME, NY market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

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

UTICA-ROME, 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.

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 Lender 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 third place, with 5.6%, is PLAZA HOME MORTGAGE, INC., having originated $61,320,000 in loans. In third place, with 5.5%, is Adirondack Bank, having originated $60,095,000 in loans.


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.


Market Conditions (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 $124,900 (4.2%) $189,159 (5.9%) 0.46 951
2018-02-01 $129,900 (5.7%) $197,293 (7.0%) 0.47 953
2018-03-01 $139,900 (8.5%) $201,493 (5.8%) 0.48 929
2018-04-01 $143,400 (10.4%) $207,902 (6.1%) 0.48 916
2018-05-01 $141,950 (2.9%) $207,105 (4.0%) 0.47 948
2018-06-01 $149,900 (5.6%) $218,996 (11.8%) 0.50 1,051
2018-07-01 $149,900 (0.6%) $219,995 (9.9%) 0.50 1,140
2018-08-01 $149,000 (6.5%) $214,056 (4.6%) 0.50 1,175
2018-09-01 $147,500 (5.4%) $212,146 (5.5%) 0.49 1,187
2018-10-01 $137,250 (1.7%) $197,747 (-0.3%) 0.46 1,130
2018-11-01 $130,000 (-2.0%) $200,438 (1.7%) 0.44 1,033
2018-12-01 $129,900 (0.7%) $198,288 (4.4%) 0.44 970
2019-01-01 $129,900 (4.0%) $201,699 (6.6%) 0.45 885
2019-02-01 $133,900 (3.1%) $209,217 (6.0%) 0.45 804
2019-03-01 $141,386 (1.1%) $220,473 (9.4%) 0.46 770
2019-04-01 $149,950 (4.6%) $228,776 (10.0%) 0.47 748
2019-05-01 $157,450 (10.9%) $230,386 (11.2%) 0.49 775
2019-06-01 $159,900 (6.7%) $232,374 (6.1%) 0.49 859
2019-07-01 $159,950 (6.7%) $232,230 (5.6%) 0.50 934
2019-08-01 $159,900 (7.3%) $224,931 (5.1%) 0.50 961
2019-09-01 $159,450 (8.1%) $219,330 (3.4%) 0.51 977
2019-10-01 $149,950 (9.3%) $242,927 (22.9%) 0.48 984
2019-11-01 $145,000 (11.5%) $240,025 (19.8%) 0.47 932
2019-12-01 $148,500 (14.3%) $239,487 (20.8%) 0.50 840
2020-01-01 $149,000 (14.7%) $249,126 (23.5%) 0.50 738
2020-02-01 $144,900 (8.2%) $248,889 (19.0%) 0.47 695
2020-03-01 $154,900 (9.6%) $224,533 (1.8%) 0.48 659
2020-04-01 $152,450 (1.7%) $235,929 (3.1%) 0.47 631
2020-05-01 $169,700 (7.8%) $250,717 (8.8%) 0.51 617
2020-06-01 $169,900 (6.3%) $249,995 (7.6%) 0.50 568
2020-07-01 $169,900 (6.2%) $253,262 (9.1%) 0.49 565
2020-08-01 $169,900 (6.3%) $247,577 (10.1%) 0.49 543
2020-09-01 $164,500 (3.2%) $238,113 (8.6%) 0.47 540
2020-10-01 $164,900 (10.0%) $234,069 (-3.7%) 0.47 572
2020-11-01 $162,400 (12.0%) $222,116 (-7.5%) 0.47 550
2020-12-01 $159,900 (7.7%) $221,582 (-7.5%) 0.47 505
2021-01-01 $154,900 (4.0%) $226,223 (-9.2%) 0.46 431
2021-02-01 $162,000 (11.8%) $231,651 (-6.9%) 0.47 350
2021-03-01 $170,750 (10.2%) $243,317 (8.4%) 0.48 294
2021-04-01 $184,700 (21.2%) $260,882 (10.6%) 0.50 280
2021-05-01 $189,900 (11.9%) $257,142 (2.6%) 0.50 320
2021-06-01 $199,900 (17.7%) $283,965 (13.6%) 0.52 356
2021-07-01 $199,900 (17.7%) $274,299 (8.3%) 0.52 402
2021-08-01 $192,400 (13.2%) $263,098 (6.3%) 0.51 470
2021-09-01 $197,000 (19.8%) $269,178 (13.1%) 0.52 488
2021-10-01 $184,900 (12.1%) $269,036 (14.9%) 0.49 455
2021-11-01 $177,400 (9.2%) $255,219 (14.9%) 0.47 427
2021-12-01 $179,450 (12.2%) $255,417 (15.3%) 0.48 374
2022-01-01 $179,000 (15.6%) $251,093 (11.0%) 0.48 337
2022-02-01 $169,450 (4.6%) $249,006 (7.5%) 0.43 284
2022-03-01 $183,950 (7.7%) $267,986 (10.1%) 0.45 270
2022-04-01 $185,000 (0.2%) $261,412 (0.2%) 0.44 272
UTICA - ROME's median listing price for 2022-04-01 was $185,000, a difference of $300 (0.2%) versus the prior year and $1,050 versus the prior month.

UTICA - ROME's median listing price comes in at 44% of the national average.

UTICA - ROME's average listing price for 2022-04-01 was $261,412, a difference of $530 (0.2%) versus the prior year and $-6,574 versus the prior month.

For the 2022-04-01 period, UTICA - ROME had 272 MLS listings, a difference of 2 listings (1%) versus the prior month and -8 listings (-3%) 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
2018-01-01 104 days 1,592 sqft
2018-02-01 103 days 1,607 sqft
2018-03-01 99 days 1,620 sqft
2018-04-01 87 days 1,668 sqft
2018-05-01 59 days 1,678 sqft
2018-06-01 53 days 1,700 sqft
2018-07-01 58 days 1,691 sqft
2018-08-01 61 days 1,692 sqft
2018-09-01 69 days 1,680 sqft
2018-10-01 76 days 1,635 sqft
2018-11-01 88 days 1,651 sqft
2018-12-01 99 days 1,596 sqft
2019-01-01 104 days 1,578 sqft
2019-02-01 107 days 1,580 sqft
2019-03-01 102 days 1,615 sqft
2019-04-01 80 days 1,646 sqft
2019-05-01 62 days 1,656 sqft
2019-06-01 53 days 1,648 sqft
2019-07-01 55 days 1,640 sqft
2019-08-01 65 days 1,642 sqft
2019-09-01 71 days 1,658 sqft
2019-10-01 73 days 1,665 sqft
2019-11-01 75 days 1,655 sqft
2019-12-01 97 days 1,649 sqft
2020-01-01 109 days 1,648 sqft
2020-02-01 111 days 1,640 sqft
2020-03-01 112 days 1,677 sqft
2020-04-01 116 days 1,677 sqft
2020-05-01 115 days 1,700 sqft
2020-06-01 114 days 1,671 sqft
2020-07-01 78 days 1,672 sqft
2020-08-01 70 days 1,680 sqft
2020-09-01 70 days 1,703 sqft
2020-10-01 17 days 1,680 sqft
2020-11-01 49 days 1,671 sqft
2020-12-01 75 days 1,671 sqft
2021-01-01 103 days 1,640 sqft
2021-02-01 116 days 1,620 sqft
2021-03-01 107 days 1,654 sqft
2021-04-01 83 days 1,708 sqft
2021-05-01 52 days 1,680 sqft
2021-06-01 41 days 1,716 sqft
2021-07-01 49 days 1,688 sqft
2021-08-01 46 days 1,660 sqft
2021-09-01 50 days 1,658 sqft
2021-10-01 59 days 1,652 sqft
2021-11-01 64 days 1,652 sqft
2021-12-01 74 days 1,659 sqft
2022-01-01 81 days 1,655 sqft
2022-02-01 83 days 1,592 sqft
2022-03-01 79 days 1,582 sqft
2022-04-01 66 days 1,604 sqft
UTICA - ROME's median listing age (time on market) for 2022-04-01 was 66 days. This is -20% shorter than the same period one year ago.

UTICA - ROME's median square footage for active listings during the 2022-04-01 period was 1,604 sqft. One year prior, the average listing was 1,708 sqft.