UTICA - ROME Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Utica - Rome averaged
6.86%
for the week of 2023-09-21, compared to the national average of
7.19% for the same period.
The average rate for the prior week (2023-09-14) was
6.85% and
one month ago for the week of 2023-08-17, the
average rate was 6.46%.
Utica - Rome's average rate one year ago was 5.59%.
For refis of the same type during the week of 2023-09-21, the average rate
was 6.61%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2023-09-21 | 7.19% |
Utica - Rome 30 Year Fixed Rate | 2023-09-21 | 6.86% |
Utica - Rome 30 Year Fixed Rate Refi | 2023-09-21 | 6.61% |
Utica - Rome 15 Year Fixed Rate | 2023-09-21 | 6.25% |
Utica - Rome 15 Year Fixed Rate Refi | 2023-09-21 | 5.75% |
Utica - Rome 30 Year FHA | 2023-09-21 | 6.23% |
Utica - Rome 30 Year FHA Refi | 2023-09-21 | 7.24% |
Utica - Rome 30 Year USDA | 2023-09-21 | 7.02% |
Utica - Rome 30 Year USDA Refi | 2023-09-21 | 6.92% |
Utica - Rome 30 Year VA | 2023-09-21 | 6.52% |
Utica - Rome 30 Year VA Refi | 2023-09-21 | 7.02% |
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 90 lenders originated 6,162
loans during 2022. The total origination value was $916,400,000, with an average loan value of
$148,718.
UTICA - ROME's average closing costs are $4,668.
The top UTICA - ROME lender as defined by loan originations is AMERICU Credit Union, with
259 loans originated. Their average total fees are
$4,118, which is $2,521
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee UTICA - ROME lenders (with over 10 loans originated) are
Community Bank ($712), FIRST SOURCE ($3,285), CCFCU FUNDING, LLC ($3,371), JPMorgan Chase Bank ($3,397) and KeyBank ($3,508).
The lowest rate UTICA - ROME lenders (with over 10 loans originated) are
KeyBank (4.32%), NBT Bank (4.32%), SEFCU SERVICES, LLC (4.41%), Empower Federal Credit Union (4.42%) and JPMorgan Chase Bank (4.43%).
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
---|---|---|---|---|
FIRST SOURCE | $117,635,000 | $132,145,000 | 12.3% | 14.4% |
AMERICU Credit Union | $106,680,000 | $96,280,000 | -9.7% | 10.5% |
Adirondack Bank | $60,095,000 | $76,525,000 | 27.3% | 8.4% |
QUICKEN LOANS, LLC | $109,450,000 | $58,290,000 | -46.7% | 6.4% |
Community Bank | $39,440,000 | $57,115,000 | 44.8% | 6.2% |
PLAZA HOME MORTGAGE, INC. | $61,320,000 | $54,985,000 | -10.3% | 6.0% |
NBT Bank | $56,635,000 | $40,465,000 | -28.6% | 4.4% |
HOMESTEAD FUNDING CORP. | $39,930,000 | $34,320,000 | -14.0% | 3.7% |
M&T Bank | $39,530,000 | $30,195,000 | -23.6% | 3.3% |
Premium Mortgage Corporation | $27,710,000 | $30,155,000 | 8.8% | 3.3% |
KeyBank | $41,535,000 | $23,610,000 | -43.2% | 2.6% |
GPO Federal Credit Union | $23,275,000 | $22,620,000 | -2.8% | 2.5% |
CCFCU FUNDING, LLC | $43,185,000 | $20,075,000 | -53.5% | 2.2% |
Citizens Bank | $15,010,000 | $13,620,000 | -9.3% | 1.5% |
PNC Bank | $465,000 | $13,555,000 | 2,815.1% | 1.5% |
HUNT MORTGAGE CORPORATION | $9,025,000 | $10,815,000 | 19.8% | 1.2% |
MOVEMENT MORTGAGE, LLC | $8,280,000 | $9,285,000 | 12.1% | 1.0% |
PARAGON HOME LOANS INC. | $25,235,000 | $9,115,000 | -63.9% | 1.0% |
UNITED WHOLESALE MORTGAGE, LLC | $7,540,000 | $8,835,000 | 17.2% | 1.0% |
Empower Federal Credit Union | $8,515,000 | $8,605,000 | 1.1% | 0.9% |
Geddes Federal Savings and Loan Association | $5,380,000 | $8,260,000 | 53.5% | 0.9% |
Wells Fargo Bank | $12,475,000 | $7,590,000 | -39.2% | 0.8% |
Berkshire Bank | $9,905,000 | $7,540,000 | -23.9% | 0.8% |
SEFCU SERVICES, LLC | $10,235,000 | $7,440,000 | -27.3% | 0.8% |
Farm Credit East, ACA | $7,685,000 | $7,190,000 | -6.4% | 0.8% |
Mr. Cooper ( Nationstar Mortgage ) | $11,210,000 | $7,125,000 | -36.4% | 0.8% |
Mortgage Research Center, LLC | $6,235,000 | $6,745,000 | 8.2% | 0.7% |
M&T Realty Capital Corporation | $6,495,000 | n/a | 0.7% | |
PRIMELENDING, A PLAINSCAPITAL COMPANY | $9,130,000 | $5,420,000 | -40.6% | 0.6% |
JPMorgan Chase Bank | $3,740,000 | $5,320,000 | 42.2% | 0.6% |
NAVY FEDERAL CREDIT UNION | $7,470,000 | $5,015,000 | -32.9% | 0.5% |
USAA Federal Savings Bank | $4,980,000 | $4,475,000 | -10.1% | 0.5% |
LOANDEPOT.COM, LLC | $6,245,000 | $4,445,000 | -28.8% | 0.5% |
Genesee Regional Bank | $7,030,000 | $4,100,000 | -41.7% | 0.4% |
HOME POINT FINANCIAL CORPORATION | $5,550,000 | $4,020,000 | -27.6% | 0.4% |
1ST PRIORITY MORTGAGE, INC. | $4,275,000 | $3,785,000 | -11.5% | 0.4% |
GUARANTEED RATE, INC. | $7,775,000 | $2,940,000 | -62.2% | 0.3% |
Bank of America | $6,425,000 | $2,930,000 | -54.4% | 0.3% |
21ST MORTGAGE CORPORATION | $2,035,000 | $2,530,000 | 24.3% | 0.3% |
ACCESS Federal Credit Union | $2,380,000 | n/a | 0.3% | |
CROSSCOUNTRY MORTGAGE, LLC | $1,730,000 | $2,315,000 | 33.8% | 0.3% |
Carrington Mortgage Services, LLC | $2,695,000 | $2,290,000 | -15.0% | 0.2% |
CREDIT HUMAN FEDERAL CREDIT UNION | $1,170,000 | $1,720,000 | 47.0% | 0.2% |
Barrington Bank & Trust Company, N.A. | $4,040,000 | $1,640,000 | -59.4% | 0.2% |
ROYAL UNITED MORTGAGE LLC | $2,235,000 | $1,630,000 | -27.1% | 0.2% |
Leader Bank | $1,485,000 | n/a | 0.2% | |
The National Bank of Coxsackie | $190,000 | $1,470,000 | 673.7% | 0.2% |
Tompkins Trust Company | $500,000 | $1,435,000 | 187.0% | 0.2% |
HOME TOWN FUNDING, INC. | $2,860,000 | $1,370,000 | -52.1% | 0.1% |
NEWREZ LLC | $3,735,000 | $1,190,000 | -68.1% | 0.1% |
The Lyons National Bank | $1,185,000 | $1,135,000 | -4.2% | 0.1% |
RELIANCE FIRST CAPITAL, LLC | $645,000 | $1,070,000 | 65.9% | 0.1% |
Bank of England | $830,000 | $1,030,000 | 24.1% | 0.1% |
Ballston Spa National Bank | $995,000 | n/a | 0.1% | |
Fulton Savings Bank | $275,000 | $980,000 | 256.4% | 0.1% |
STATE EMPLOYEES FEDERAL CREDIT UNION | $595,000 | $950,000 | 59.7% | 0.1% |
HOMEBRIDGE FINANCIAL SERVICES, INC. | $705,000 | $945,000 | 34.0% | 0.1% |
Equity Prime Mortgage LLC | $240,000 | $890,000 | 270.8% | 0.1% |
UNITED NORTHERN MORTGAGE BANKERS LIMITED | $875,000 | n/a | 0.1% | |
LIMA ONE CAPITAL, LLC | $870,000 | n/a | 0.1% | |
FREEDOM MORTGAGE CORPORATION | $4,295,000 | $835,000 | -80.6% | 0.1% |
Pathfinder Bank | $3,605,000 | $790,000 | -78.1% | 0.1% |
FIRST CREDIT CORPORATION OF NEW YORK, INC. | $270,000 | $760,000 | 181.5% | 0.1% |
Glens Falls National Bank and Trust Company | $760,000 | n/a | 0.1% | |
BETTER MORTGAGE CORPORATION | $3,730,000 | $755,000 | -79.8% | 0.1% |
AMERICAN FINANCIAL RESOURCES, INC. | $505,000 | $750,000 | 48.5% | 0.1% |
Flagstar Bank, FSB | $200,000 | $750,000 | 275.0% | 0.1% |
Colonial Savings, F.A. | $3,950,000 | $735,000 | -81.4% | 0.1% |
The Canandaigua National Bank and Trust Company | $735,000 | n/a | 0.1% | |
Morgan Stanley Private Bank | $755,000 | $730,000 | -3.3% | 0.1% |
Solvay Bank | $2,085,000 | $725,000 | -65.2% | 0.1% |
BNC National Bank | $720,000 | n/a | 0.1% | |
NORTHERN CREDIT UNION | $755,000 | $695,000 | -7.9% | 0.1% |
PENTAGON FEDERAL CREDIT UNION | $350,000 | $685,000 | 95.7% | 0.1% |
SUNMARK FEDERAL CREDIT UNION | $740,000 | $680,000 | -8.1% | 0.1% |
TD Bank | $1,310,000 | $680,000 | -48.1% | 0.1% |
UNITED MORTGAGE CORP. | $660,000 | $630,000 | -4.5% | 0.1% |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $820,000 | $575,000 | -29.9% | 0.1% |
CALIBER HOME LOANS, INC. | $2,885,000 | $560,000 | -80.6% | 0.1% |
PHH Mortgage Corporation | $815,000 | $535,000 | -34.4% | 0.1% |
Wayne Bank | $510,000 | n/a | 0.1% | |
ENVOY MORTGAGE, LTD | $500,000 | n/a | 0.1% | |
UIF CORPORATION | $95,000 | $495,000 | 421.1% | 0.1% |
The Federal Savings Bank | $1,695,000 | $490,000 | -71.1% | 0.1% |
TRIAD FINANCIAL SERVICES, INC. | $345,000 | $485,000 | 40.6% | 0.1% |
CONTOUR MORTGAGE CORPORATION | $215,000 | $470,000 | 118.6% | 0.1% |
Luxury Mortgage Corp. | $325,000 | $450,000 | 38.5% | 0.0% |
Five Star Bank | $16,660,000 | $425,000 | -97.4% | 0.0% |
EMBRACE HOME LOANS, INC. | $1,185,000 | $420,000 | -64.6% | 0.0% |
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $125,000 | $410,000 | 228.0% | 0.0% |
THE SUMMIT Federal Credit Union | $95,000 | $405,000 | 326.3% | 0.0% |
VISIONS | $2,245,000 | $405,000 | -82.0% | 0.0% |
AMERICAN FINANCING CORPORATION | $1,535,000 | $390,000 | -74.6% | 0.0% |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $1,705,000 | $390,000 | -77.1% | 0.0% |
Quontic Bank | $635,000 | $390,000 | -38.6% | 0.0% |
Third Federal Savings and Loan Association of Cleveland | $250,000 | $390,000 | 56.0% | 0.0% |
POLISH & SLAVIC FEDERAL CREDIT UNION | $385,000 | n/a | 0.0% | |
Unity Bank | $395,000 | $385,000 | -2.5% | 0.0% |
The Upstate National Bank | $310,000 | $365,000 | 17.7% | 0.0% |
Service Federal Credit Union | $355,000 | n/a | 0.0% | |
LENDINGHOME FUNDING CORPORATION | $135,000 | $340,000 | 151.9% | 0.0% |
NBKC BANK | $575,000 | $335,000 | -41.7% | 0.0% |
North American Savings Bank, F.S.B. | $315,000 | n/a | 0.0% | |
NATIONWIDE MORTGAGE BANKERS, INC. | $415,000 | $295,000 | -28.9% | 0.0% |
GREENWOOD | $145,000 | $280,000 | 93.1% | 0.0% |
Seneca Savings | $515,000 | $275,000 | -46.6% | 0.0% |
UTILITIES EMPLOYEES CREDIT UNION | $265,000 | n/a | 0.0% | |
PS Bank | $255,000 | n/a | 0.0% | |
FINANCE OF AMERICA REVERSE LLC | $250,000 | n/a | 0.0% | |
Discover Bank | $500,000 | $245,000 | -51.0% | 0.0% |
FM Home Loans, LLC | $265,000 | $245,000 | -7.5% | 0.0% |
U.S. Bank | $695,000 | $240,000 | -65.5% | 0.0% |
Ally Bank | $235,000 | n/a | 0.0% | |
First Home Bank | $445,000 | $235,000 | -47.2% | 0.0% |
GUIDANCE RESIDENTIAL, LLC | $115,000 | $235,000 | 104.3% | 0.0% |
Magnolia Bank | $255,000 | $225,000 | -11.8% | 0.0% |
SIRVA MORTGAGE, INC. | $215,000 | n/a | 0.0% | |
MLD MORTGAGE INC. | $205,000 | n/a | 0.0% | |
FIRST ALLIANCE HOME MORTGAGE, LLC | $195,000 | n/a | 0.0% | |
A&D Mortgage LLC | $390,000 | $175,000 | -55.1% | 0.0% |
Cathay Bank | $175,000 | n/a | 0.0% | |
Charles Schwab Bank, SSB | $955,000 | $175,000 | -81.7% | 0.0% |
CAPITAL COMMUNICATIONS Federal Credit Union | $95,000 | $165,000 | 73.7% | 0.0% |
CMG MORTGAGE, INC. | $165,000 | n/a | 0.0% | |
ROUNDPOINT MORTGAGE SERVICING CORPORATION | $165,000 | n/a | 0.0% | |
Salisbury Bank and Trust Company | $165,000 | n/a | 0.0% | |
ALLIANT CREDIT UNION | $180,000 | $155,000 | -13.9% | 0.0% |
CFCU Community Credit Union | $155,000 | n/a | 0.0% | |
RESIDENTIAL HOME FUNDING CORP. | $145,000 | n/a | 0.0% | |
SILVER HILL FUNDING, LLC | $145,000 | n/a | 0.0% | |
THRIVENT Federal Credit Union | $145,000 | n/a | 0.0% | |
OWNERSCHOICE FUNDING, INCORPORATED | $14,405,000 | $135,000 | -99.1% | 0.0% |
REVERSE MORTGAGE FUNDING LLC | $610,000 | $135,000 | -77.9% | 0.0% |
TOTAL MORTGAGE SERVICES, LLC | $250,000 | $135,000 | -46.0% | 0.0% |
Chemung Canal Trust Company | $125,000 | n/a | 0.0% | |
CORNING | $360,000 | $125,000 | -65.3% | 0.0% |
FINANCE OF AMERICA MORTGAGE LLC | $340,000 | $115,000 | -66.2% | 0.0% |
The People's Credit Union | $110,000 | n/a | 0.0% | |
HSBC BANK USA, NATIONAL ASSOCIATION | $140,000 | $105,000 | -25.0% | 0.0% |
PENNYMAC LOAN SERVICES, LLC | $105,000 | n/a | 0.0% | |
TEACHERS | $165,000 | $105,000 | -36.4% | 0.0% |
NJ LENDERS CORP. | $530,000 | $95,000 | -82.1% | 0.0% |
Ukrainian Federal Credit Union | $250,000 | $95,000 | -62.0% | 0.0% |
Bethpage Federal Credit Union | $370,000 | $85,000 | -77.0% | 0.0% |
EVERETT FINANCIAL, INC. | $85,000 | n/a | 0.0% | |
Citibank | $75,000 | n/a | 0.0% | |
HUDSON VALLEY CREDIT UNION | $75,000 | n/a | 0.0% | |
LONGBRIDGE FINANCIAL, LLC | $75,000 | n/a | 0.0% | |
Midwest BankCentre | $75,000 | n/a | 0.0% | |
TEMPLE VIEW CAPITAL FUNDING, LP | $75,000 | n/a | 0.0% | |
AMERICAN ADVISORS GROUP | $125,000 | $65,000 | -48.0% | 0.0% |
MID-HUDSON VALLEY | $55,000 | $65,000 | 18.2% | 0.0% |
BayCoast Bank | $35,000 | $60,000 | 71.4% | 0.0% |
LAKEVIEW LOAN SERVICING, LLC | $55,000 | n/a | 0.0% | |
Stifel Bank and Trust | $155,000 | $55,000 | -64.5% | 0.0% |
Centier Bank | $45,000 | n/a | 0.0% | |
GFA Federal Credit Union | $45,000 | n/a | 0.0% | |
TCT | $35,000 | n/a | 0.0% |
UTICA - ROME's top lender by overall market share is FIRST SOURCE, with 14.4% market share. In second place, with 10.5%, is AMERICU Credit Union, having originated $96,280,000 in loans. In third place, with 8.4%, is Adirondack Bank, having originated $76,525,000 in loans. In fourth place, with 6.4%, is QUICKEN LOANS, LLC, having originated $58,290,000 in loans. In fifth place, with 6.2%, is Community Bank, having originated $57,115,000 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. LouisDate | 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%) | $208,074 (7.7%) | 0.44 | 768 |
2019-03-01 | $139,671 (7.9%) | $217,080 (9.9%) | 0.46 | 744 |
2019-04-01 | $149,900 (7.7%) | $225,400 (10.2%) | 0.48 | 733 |
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 (10.7%) | 0.49 | 630 |
2020-03-01 | $155,950 (11.7%) | $224,629 (3.5%) | 0.49 | 593 |
2020-04-01 | $158,400 (5.7%) | $236,577 (5.0%) | 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%) | 0.50 | 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%) | 0.53 | 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 |
2023-03-01 | $190,200 (5.4%) | $270,017 (2.8%) | 0.45 | 280 |
2023-04-01 | $198,000 (7.0%) | $276,165 (4.8%) | 0.46 | 270 |
2023-05-01 | $207,450 (12.2%) | $280,156 (-0.9%) | 0.47 | 291 |
2023-06-01 | $209,950 (5.0%) | $290,098 (-0.1%) | 0.47 | 298 |
2023-07-01 | $229,000 (15.1%) | $318,126 (13.9%) | 0.52 | 336 |
2023-08-01 | $229,125 (19.6%) | $313,034 (18.7%) | 0.53 | 385 |
UTICA - ROME's median listing price comes in at 53% of the national average.
UTICA - ROME's average listing price for 2023-08-01 was $313,034, a difference of $49,227 (18.7%) versus the prior year and $-5,092 versus the prior month.
For the 2023-08-01 period, UTICA - ROME had 385 MLS listings, a difference of 49 listings (15%) versus the prior month and -71 listings (-16%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - UTICA - ROME (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 106 days | 1,535 sqft |
2018-02-01 | 105 days | 1,561 sqft |
2018-03-01 | 103 days | 1,568 sqft |
2018-04-01 | 86 days | 1,624 sqft |
2018-05-01 | 52 days | 1,648 sqft |
2018-06-01 | 50 days | 1,676 sqft |
2018-07-01 | 56 days | 1,666 sqft |
2018-08-01 | 59 days | 1,673 sqft |
2018-09-01 | 67 days | 1,660 sqft |
2018-10-01 | 74 days | 1,625 sqft |
2018-11-01 | 84 days | 1,632 sqft |
2018-12-01 | 92 days | 1,596 sqft |
2019-01-01 | 94 days | 1,580 sqft |
2019-02-01 | 98 days | 1,579 sqft |
2019-03-01 | 87 days | 1,627 sqft |
2019-04-01 | 70 days | 1,663 sqft |
2019-05-01 | 56 days | 1,668 sqft |
2019-06-01 | 47 days | 1,665 sqft |
2019-07-01 | 51 days | 1,660 sqft |
2019-08-01 | 57 days | 1,655 sqft |
2019-09-01 | 63 days | 1,665 sqft |
2019-10-01 | 68 days | 1,667 sqft |
2019-11-01 | 71 days | 1,651 sqft |
2019-12-01 | 92 days | 1,641 sqft |
2020-01-01 | 107 days | 1,646 sqft |
2020-02-01 | 106 days | 1,632 sqft |
2020-03-01 | 106 days | 1,669 sqft |
2020-04-01 | 104 days | 1,680 sqft |
2020-05-01 | 112 days | 1,700 sqft |
2020-06-01 | 95 days | 1,664 sqft |
2020-07-01 | 54 days | 1,659 sqft |
2020-08-01 | 60 days | 1,664 sqft |
2020-09-01 | 58 days | 1,702 sqft |
2020-10-01 | 54 days | 1,680 sqft |
2020-11-01 | 63 days | 1,677 sqft |
2020-12-01 | 79 days | 1,679 sqft |
2021-01-01 | 93 days | 1,641 sqft |
2021-02-01 | 103 days | 1,631 sqft |
2021-03-01 | 85 days | 1,645 sqft |
2021-04-01 | 62 days | 1,705 sqft |
2021-05-01 | 38 days | 1,680 sqft |
2021-06-01 | 35 days | 1,684 sqft |
2021-07-01 | 42 days | 1,689 sqft |
2021-08-01 | 41 days | 1,656 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 | 1,663 sqft |
2022-01-01 | 81 days | 1,623 sqft |
2022-02-01 | 75 days | 1,586 sqft |
2022-03-01 | 62 days | 1,586 sqft |
2022-04-01 | 54 days | 1,627 sqft |
2022-05-01 | 42 days | 1,605 sqft |
2022-06-01 | 35 days | 1,655 sqft |
2022-07-01 | 43 days | 1,632 sqft |
2022-08-01 | 50 days | 1,631 sqft |
2022-09-01 | 54 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 | 1,602 sqft |
2023-04-01 | 68 days | 1,600 sqft |
2023-05-01 | 49 days | 1,597 sqft |
2023-06-01 | 49 days | 1,585 sqft |
2023-07-01 | 44 days | 1,650 sqft |
2023-08-01 | 44 days | 1,632 sqft |
UTICA - ROME's median square footage for active listings during the 2023-08-01 period was 1,632 sqft. One year prior, the average listing was 1,631 sqft.
UTICA-ROME, NY Average Rent (2023)
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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 | 2,736 | $536,230,000 | $195,990 |
Refi | 1,335 | $179,475,000 | $134,438 |
Home Improvement | 926 | $68,330,000 | $73,790 |
Other | 638 | $49,550,000 | $77,665 |
Cash Out Refi | 524 | $82,580,000 | $157,595 |
NA | 3 | $235,000 | $78,333 |
Utica - Rome's most frequently cited loan purpose was Home Purchase, with 2,736 originations. The 2nd most popular reason was Refi, with 1,335 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
3-4% | 1,595 | $251,895,000 | $157,928 |
4-5% | 1,359 | $227,515,000 | $167,414 |
5-6% | 1,157 | $191,995,000 | $165,942 |
<2.5% | 632 | $60,980,000 | $96,487 |
2.5-3% | 568 | $79,560,000 | $140,070 |
6-7% | 470 | $63,410,000 | $134,915 |
7-8% | 170 | $18,340,000 | $107,882 |
Over 8% | 131 | $8,125,000 | $62,023 |
During 2022, Utica - Rome's most frequently originated rate bucket was 3-4%, with 1,595 originations.
Loan Sizing (UTICA-ROME, NY MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$100k-200k | 2,548 | $362,240,000 | $142,166 |
$100,000 or less | 2,432 | $140,420,000 | $57,738 |
$200k-400k | 1,039 | $270,795,000 | $260,630 |
$400k-600k | 97 | $45,205,000 | $466,031 |
$600k-1000k | 33 | $23,345,000 | $707,424 |
$Over $1MM | 13 | $74,395,000 | $5,722,692 |
UTICA - ROME's loan sizing saw the bucket of loans from $100k-200k with 2,548 originations, totaling $362,240,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 2,236 | $410,480,000 | $183,578 |
60-80% | 1,433 | $289,545,000 | $202,055 |
20-40% | 973 | $68,875,000 | $70,786 |
40-60% | 786 | $100,770,000 | $128,206 |
Under 20% | 606 | $20,130,000 | $33,218 |
Over 100% | 47 | $10,575,000 | $225,000 |
UTICA - ROME's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,236 originations, totaling $410,480,000 in origination value.