UTICA - ROME Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Utica - Rome averaged
6.65%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.95% and
one month ago for the week of 2025-05-29, the
average rate was 6.67%.
Utica - Rome's average rate one year ago was 6.64%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.94%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Utica - Rome 30 Year Fixed Rate | 2025-07-03 | 6.65% |
| Utica - Rome 30 Year Fixed Rate Refi | 2025-07-03 | 6.94% |
| Utica - Rome 15 Year Fixed Rate | 2025-07-03 | 6.5% |
| Utica - Rome 15 Year Fixed Rate Refi | 2025-07-03 | 7.11% |
| Utica - Rome 30 Year FHA | 2025-07-03 | 0.11% |
| Utica - Rome 30 Year FHA Refi | 2025-07-03 | 0.2% |
| Utica - Rome 30 Year USDA | 2025-07-03 | 0.2% |
| Utica - Rome 30 Year USDA Refi | 2025-07-03 | 0.1% |
| Utica - Rome 30 Year VA | 2025-07-03 | 0.2% |
| Utica - Rome 30 Year VA Refi | 2025-07-03 | -0.1% |
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 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, 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.