UTICA - ROME Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Utica - Rome averaged 6.5% for the week of 2025-07-10, compared to the national average of 6.72% for the same period.

    The average rate for the prior week (2025-07-03) was 6.85% and one month ago for the week of 2025-06-05, the average rate was 6.73%.

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

    For refis of the same type during the week of 2025-07-10, the average rate was 7.59%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-07-10 6.72%
    Utica - Rome 30 Year Fixed Rate 2025-07-10 6.5%
    Utica - Rome 30 Year Fixed Rate Refi 2025-07-10 7.59%
    Utica - Rome 15 Year Fixed Rate 2025-07-10 6.56%
    Utica - Rome 15 Year Fixed Rate Refi 2025-07-10 7.07%
    Utica - Rome 30 Year FHA 2025-07-10 6.63%
    Utica - Rome 30 Year FHA Refi 2025-07-10 6.72%
    Utica - Rome 30 Year USDA 2025-07-10 6.65%
    Utica - Rome 30 Year USDA Refi 2025-07-10 6.35%
    Utica - Rome 30 Year VA 2025-07-10 6.47%
    Utica - Rome 30 Year VA Refi 2025-07-10 6.17%
    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 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%) $188,457 (7.2%) 0.46 902
    2018-02-01 $126,000 (0.9%) $193,210 (6.3%) 0.46 877
    2018-03-01 $129,500 (0.0%) $196,953 (6.0%) 0.45 848
    2018-04-01 $139,250 (7.2%) $204,221 (7.7%) 0.47 845
    2018-05-01 $138,450 (2.1%) $203,757 (6.7%) 0.46 865
    2018-06-01 $149,000 (6.5%) $216,767 (13.5%) 0.50 979
    2018-07-01 $149,900 (1.8%) $218,719 (12.6%) 0.50 1,064
    2018-08-01 $146,475 (3.9%) $213,433 (5.2%) 0.49 1,106
    2018-09-01 $144,900 (3.6%) $210,792 (6.9%) 0.49 1,128
    2018-10-01 $135,375 (-1.0%) $197,863 (1.2%) 0.46 1,091
    2018-11-01 $133,200 (-0.5%) $199,757 (2.3%) 0.45 1,008
    2018-12-01 $129,900 (0.5%) $197,690 (3.8%) 0.45 943
    2019-01-01 $129,900 (4.4%) $201,842 (7.1%) 0.45 859
    2019-02-01 $131,175 (4.1%) $208,257 (7.8%) 0.44 769
    2019-03-01 $139,929 (8.1%) $217,116 (10.2%) 0.46 744
    2019-04-01 $149,900 (7.7%) $223,671 (9.5%) 0.48 730
    2019-05-01 $154,900 (11.9%) $222,900 (9.4%) 0.48 749
    2019-06-01 $154,900 (4.0%) $225,761 (4.2%) 0.48 818
    2019-07-01 $159,900 (6.7%) $226,446 (3.5%) 0.50 886
    2019-08-01 $157,868 (7.8%) $223,864 (4.9%) 0.50 908
    2019-09-01 $154,820 (6.9%) $224,557 (6.5%) 0.50 915
    2019-10-01 $151,175 (11.7%) $225,019 (13.7%) 0.49 907
    2019-11-01 $145,900 (9.5%) $222,199 (11.2%) 0.48 855
    2019-12-01 $145,575 (12.1%) $222,036 (12.3%) 0.49 764
    2020-01-01 $144,950 (11.6%) $227,115 (12.5%) 0.48 671
    2020-02-01 $148,000 (12.8%) $229,566 (10.2%) 0.48 629
    2020-03-01 $154,900 (10.7%) $223,725 (3.0%) 0.49 590
    2020-04-01 $156,975 (4.7%) $235,692 (5.4%) 0.49 566
    2020-05-01 $169,900 (9.7%) $248,395 (11.4%) 0.52 566
    2020-06-01 $179,450 (15.9%) $249,119 (10.4%) 0.53 538
    2020-07-01 $169,900 (6.3%) $249,554 (10.2%) 0.49 532
    2020-08-01 $170,950 (8.3%) $242,580 (8.4%) 0.49 513
    2020-09-01 $172,450 (11.4%) $237,585 (5.8%) 0.49 513
    2020-10-01 $169,900 (12.4%) $233,247 (3.7%) 0.49 538
    2020-11-01 $169,800 (16.4%) $223,346 (0.5%) 0.50 513
    2020-12-01 $167,225 (14.9%) $222,326 (0.1%) 0.50 474
    2021-01-01 $164,500 (13.5%) $228,215 (0.5%) 0.49 401
    2021-02-01 $169,900 (14.8%) $233,292 (1.6%) 0.49 328
    2021-03-01 $176,400 (13.9%) $252,421 (12.8%) 0.50 288
    2021-04-01 $192,400 (22.6%) $264,519 (12.2%) 0.52 273
    2021-05-01 $199,000 (17.1%) $264,924 (6.7%) 0.53 315
    2021-06-01 $199,900 (11.4%) $284,558 (14.2%) 0.53 347
    2021-07-01 $199,900 (17.7%) $279,271 (11.9%) 0.53 394
    2021-08-01 $192,500 (12.6%) $268,903 (10.9%) 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 (14.4%) 0.49 430
    2021-11-01 $177,400 (4.5%) $252,024 (12.8%) 0.47 396
    2021-12-01 $179,450 (7.3%) $254,238 (14.4%) 0.49 347
    2022-01-01 $179,000 (8.8%) $246,613 (8.1%) 0.48 315
    2022-02-01 $169,450 (-0.3%) $244,820 (4.9%) 0.44 265
    2022-03-01 $179,900 (2.0%) $262,173 (3.9%) 0.45 251
    2022-04-01 $185,000 (-3.9%) $263,132 (-0.5%) 0.44 258
    2022-05-01 $184,900 (-7.1%) $282,365 (6.6%) 0.42 304
    2022-06-01 $199,900 (0.0%) $290,195 (2.0%) 0.45 366
    2022-07-01 $199,000 (-0.5%) $279,080 (-0.1%) 0.45 437
    2022-08-01 $190,738 (-0.9%) $263,571 (-2.0%) 0.44 455
    2022-09-01 $189,000 (-4.6%) $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%) $251,052 (-0.4%) 0.43 447
    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 $188,450 (4.8%) $266,768 (1.8%) 0.44 279
    2023-04-01 $197,500 (6.8%) $272,878 (3.7%) 0.46 269
    2023-05-01 $206,175 (11.5%) $276,952 (-1.9%) 0.47 290
    2023-06-01 $209,950 (5.0%) $287,098 (-1.1%) 0.47 297
    2023-07-01 $227,000 (14.1%) $314,808 (12.8%) 0.52 334
    2023-08-01 $229,125 (20.1%) $312,785 (18.7%) 0.53 383
    2023-09-01 $229,000 (21.2%) $322,159 (27.4%) 0.53 416
    2023-10-01 $224,725 (18.3%) $315,161 (24.5%) 0.53 410
    2023-11-01 $229,450 (27.9%) $313,641 (24.9%) 0.55 416
    2023-12-01 $229,000 (30.9%) $315,949 (28.2%) 0.56 392
    2024-01-01 $234,500 (34.1%) $317,640 (27.0%) 0.57 356
    2024-02-01 $238,250 (34.6%) $323,918 (27.8%) 0.57 328
    2024-03-01 $239,900 (27.3%) $332,473 (24.6%) 0.56 322
    2024-04-01 $249,900 (26.5%) $342,753 (25.6%) 0.58 333
    2024-05-01 $259,675 (26.0%) $347,925 (25.6%) 0.59 373
    2024-06-01 $265,000 (26.2%) $357,735 (24.6%) 0.60 402
    2024-07-01 $267,000 (17.6%) $353,959 (12.4%) 0.61 411
    2024-08-01 $269,000 (17.4%) $352,672 (12.8%) 0.63 444
    2024-09-01 $261,175 (14.1%) $353,538 (9.7%) 0.61 442
    2024-10-01 $254,450 (13.2%) $340,126 (7.9%) 0.60 451
    2024-11-01 $249,900 (8.9%) $317,761 (1.3%) 0.60 448
    2024-12-01 $236,900 (3.5%) $309,200 (-2.1%) 0.59 438
    2025-01-01 $235,950 (0.6%) $313,886 (-1.2%) 0.59 377
    2025-02-01 $249,900 (4.9%) $312,561 (-3.5%) 0.61 371
    2025-03-01 $248,000 (3.4%) $318,320 (-4.3%) 0.58 305
    2025-04-01 $244,950 (-2.0%) $315,457 (-8.0%) 0.57 329
    2025-05-01 $259,900 (0.1%) $335,885 (-3.5%) 0.59 370
    2025-06-01 $261,450 (-1.3%) $340,959 (-4.7%) 0.59 455
    UTICA - ROME's median listing price for 2025-06-01 was $261,450, a difference of $-3,550 (-1.3%) versus the prior year and $1,550 versus the prior month.

    UTICA - ROME's median listing price comes in at 59% of the national average.

    UTICA - ROME's average listing price for 2025-06-01 was $340,959, a difference of $-16,776 (-4.7%) versus the prior year and $5,074 versus the prior month.

    For the 2025-06-01 period, UTICA - ROME had 455 MLS listings, a difference of 85 listings (23%) versus the prior month and 53 listings (13%) 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 1,527 sqft
    2018-02-01 105 days 1,557 sqft
    2018-03-01 103 days 1,569 sqft
    2018-04-01 86 days 1,624 sqft
    2018-05-01 53 days 1,648 sqft
    2018-06-01 50 days 1,677 sqft
    2018-07-01 56 days 1,667 sqft
    2018-08-01 59 days 1,675 sqft
    2018-09-01 67 days 1,662 sqft
    2018-10-01 74 days 1,622 sqft
    2018-11-01 83 days 1,631 sqft
    2018-12-01 92 days 1,594 sqft
    2019-01-01 94 days 1,580 sqft
    2019-02-01 98 days 1,579 sqft
    2019-03-01 88 days 1,625 sqft
    2019-04-01 70 days 1,660 sqft
    2019-05-01 55 days 1,668 sqft
    2019-06-01 47 days 1,665 sqft
    2019-07-01 51 days 1,660 sqft
    2019-08-01 56 days 1,655 sqft
    2019-09-01 63 days 1,664 sqft
    2019-10-01 68 days 1,667 sqft
    2019-11-01 71 days 1,650 sqft
    2019-12-01 92 days 1,640 sqft
    2020-01-01 107 days 1,645 sqft
    2020-02-01 106 days 1,632 sqft
    2020-03-01 106 days 1,668 sqft
    2020-04-01 104 days 1,680 sqft
    2020-05-01 113 days 1,700 sqft
    2020-06-01 95 days 1,664 sqft
    2020-07-01 53 days 1,658 sqft
    2020-08-01 60 days 1,664 sqft
    2020-09-01 57 days 1,703 sqft
    2020-10-01 54 days 1,680 sqft
    2020-11-01 63 days 1,677 sqft
    2020-12-01 78 days 1,679 sqft
    2021-01-01 93 days 1,642 sqft
    2021-02-01 103 days 1,633 sqft
    2021-03-01 85 days 1,642 sqft
    2021-04-01 62 days 1,708 sqft
    2021-05-01 38 days 1,680 sqft
    2021-06-01 35 days 1,684 sqft
    2021-07-01 42 days 1,688 sqft
    2021-08-01 41 days 1,655 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 1,665 sqft
    2022-01-01 81 days 1,639 sqft
    2022-02-01 75 days 1,586 sqft
    2022-03-01 63 days 1,584 sqft
    2022-04-01 54 days 1,626 sqft
    2022-05-01 42 days 1,603 sqft
    2022-06-01 35 days 1,654 sqft
    2022-07-01 43 days 1,632 sqft
    2022-08-01 50 days 1,630 sqft
    2022-09-01 53 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 1,601 sqft
    2023-04-01 68 days 1,600 sqft
    2023-05-01 49 days 1,593 sqft
    2023-06-01 48 days 1,585 sqft
    2023-07-01 44 days 1,644 sqft
    2023-08-01 44 days 1,630 sqft
    2023-09-01 52 days 1,625 sqft
    2023-10-01 60 days 1,617 sqft
    2023-11-01 60 days 1,668 sqft
    2023-12-01 70 days 1,653 sqft
    2024-01-01 76 days 1,656 sqft
    2024-02-01 79 days 1,631 sqft
    2024-03-01 68 days 1,628 sqft
    2024-04-01 59 days 1,637 sqft
    2024-05-01 48 days 1,636 sqft
    2024-06-01 50 days 1,684 sqft
    2024-07-01 49 days 1,698 sqft
    2024-08-01 50 days 1,677 sqft
    2024-09-01 58 days 1,661 sqft
    2024-10-01 58 days 1,643 sqft
    2024-11-01 59 days 1,638 sqft
    2024-12-01 72 days 1,631 sqft
    2025-01-01 79 days 1,622 sqft
    2025-02-01 92 days 1,627 sqft
    2025-03-01 64 days 1,602 sqft
    2025-04-01 48 days 1,613 sqft
    2025-05-01 43 days 1,648 sqft
    2025-06-01 39 days 1,670 sqft
    UTICA - ROME's median listing age (time on market) for 2025-06-01 was 39 days. This is -22% shorter than the same period one year ago.

    UTICA - ROME's median square footage for active listings during the 2025-06-01 period was 1,670 sqft. One year prior, the average listing was 1,684 sqft.

    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.