UTICA - ROME Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Utica - Rome averaged 6.17% for the week of 2024-02-22, compared to the national average of 6.9% for the same period.

The average rate for the prior week (2024-02-15) was 6.24% and one month ago for the week of 2024-01-18, the average rate was 5.97%.

Utica - Rome's average rate one year ago was 6.12%.

For refis of the same type during the week of 2024-02-22, the average rate was 6.42%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-02-22 6.9%
Utica - Rome 30 Year Fixed Rate 2024-02-22 6.17%
Utica - Rome 30 Year Fixed Rate Refi 2024-02-22 6.42%
Utica - Rome 15 Year Fixed Rate 2024-02-22 6.2%
Utica - Rome 15 Year Fixed Rate Refi 2024-02-22 5.4%
Utica - Rome 30 Year FHA 2024-02-22 -0.9%
Utica - Rome 30 Year FHA Refi 2024-02-22 -0.2%
Utica - Rome 30 Year USDA 2024-02-22 0.2%
Utica - Rome 30 Year USDA Refi 2024-02-22 -0.1%
Utica - Rome 30 Year VA 2024-02-22 -0.31%
Utica - Rome 30 Year VA Refi 2024-02-22 -0.1%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
AMERICU Credit Union 259 4.62% $4,118
QUICKEN LOANS, LLC 137 5.06% $6,639
Adirondack Bank 102 4.78% $4,220
PLAZA HOME MORTGAGE, INC. 101 4.85% $8,093
NBT Bank 97 4.32% $3,644
HOMESTEAD FUNDING CORP. 95 5.09% $4,409
Community Bank 92 5.33% $712
Premium Mortgage Corporation 85 4.89% $4,288
CCFCU FUNDING, LLC 81 4.48% $3,371
M&T Bank 59 4.52% $4,670
KeyBank 57 4.32% $3,508
FIRST SOURCE 47 4.69% $3,285
HUNT MORTGAGE CORPORATION 33 5.34% $6,289
SEFCU SERVICES, LLC 28 4.41% $3,566
Wells Fargo Bank 28 4.70% $4,417
PARAGON HOME LOANS INC. 27 4.70% $5,057
Empower Federal Credit Union 20 4.42% $3,539
MOVEMENT MORTGAGE, LLC 20 5.07% $5,533
JPMorgan Chase Bank 19 4.43% $3,397
UNITED WHOLESALE MORTGAGE, LLC 18 5.29% $7,332
1ST PRIORITY MORTGAGE, INC. 15 4.81% $3,882
Farm Credit East, ACA 15 5.50% $6,910
PRIMELENDING, A PLAINSCAPITAL COMPANY 14 4.46% $5,553
Citizens Bank 13 4.98% $4,620
Mr. Cooper ( Nationstar Mortgage ) 11 4.98% $6,225
Berkshire Bank 11 4.63% $4,625
ROYAL UNITED MORTGAGE LLC 10 5.58% $5,252
Genesee Regional Bank 9 5.15% $5,930
Carrington Mortgage Services, LLC 9 4.89% $4,296
Bank of America 8 4.20% $4,771
Geddes Federal Savings and Loan Association 8 4.48% $5,097
HOME POINT FINANCIAL CORPORATION 8 5.69% $7,268
GUARANTEED RATE, INC. 8 3.97% $5,778
LOANDEPOT.COM, LLC 6 4.58% $6,074
NAVY FEDERAL CREDIT UNION 4 4.81% $3,699
CROSSCOUNTRY MORTGAGE, LLC 4 5.41% $8,494
PENTAGON FEDERAL CREDIT UNION 4 4.28% $3,402
UNITED NORTHERN MORTGAGE BANKERS LIMITED 3 5.83% $8,312
NEWREZ LLC 3 4.96% $4,778
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 5.29% $7,758
The Lyons National Bank 3 4.71% $5,833
CALIBER HOME LOANS, INC. 3 5.24% $7,054
HOME TOWN FUNDING, INC. 3 4.71% $3,142
21ST MORTGAGE CORPORATION 3 7.07% $7,171
Glens Falls National Bank and Trust Company 2 6.13% $6,678
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 4.00% $4,136
Luxury Mortgage Corp. 2 5.63% $6,099
Morgan Stanley Private Bank 2 3.90% $5,433
Colonial Savings, F.A. 2 4.50% $4,589
NATIONWIDE MORTGAGE BANKERS, INC. 2 4.38% $6,580
NORTHERN CREDIT UNION 2 4.31% $5,739
PHH Mortgage Corporation 2 5.25% $3,959
BNC National Bank 2 5.88% $5,011
BETTER MORTGAGE CORPORATION 2 5.63% $6,359
Bank of England 2 5.56% $4,675
TD Bank 2 4.00% $4,968
Tompkins Trust Company 2 4.38% $4,677
FREEDOM MORTGAGE CORPORATION 2 5.44% $4,802
EVERETT FINANCIAL, INC. 1 5.00% $2,295
UNITED MORTGAGE CORP 1 4.75% $10,905
OWNERSCHOICE FUNDING, INCORPORATED 1 4.25% $3,124
CARDINAL FINANCIAL 1 4.13% $10,339
HUDSON VALLEY CREDIT UNION 1 6.50% $2,280
FM Home Loans, LLC 1 3.13% $6,518
Five Star Bank 1 3.25% $5,945
POLISH & SLAVIC FEDERAL CREDIT UNION 1 4.25% $4,905
Ally Bank 1 6.38% $8,634
Unity Bank 1 6.25% $13,367
Bethpage Federal Credit Union 1 4.00% $5,832
RELIANCE FIRST CAPITAL, LLC 1 5.75% $8,218
USAA Federal Savings Bank 1 5.25% $7,625
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.63% $8,871
SIRVA MORTGAGE, INC. 1 3.63% $3,870
Stifel Bank and Trust 1 3.00% $3,444
SUNMARK FEDERAL CREDIT UNION 1 3.25% $1,834
UTILITIES EMPLOYEES CREDIT UNION 1 2.99% $3,303
TEACHERS 1 5.63% $3,568
Flagstar Bank, FSB 1 3.51% $2,180
EMBRACE HOME LOANS, INC. 1 3.99% $4,470
Leader Bank 1 4.38% $10,939
Discover Bank 1 4.25% $0
THE SUMMIT Federal Credit Union 1 5.50% $3,133
THRIVENT Federal Credit Union 1 3.00% $2,820
Mortgage Research Center, LLC 1 5.63% $5,987
CONTOUR MORTGAGE CORPORATION 1 6.63% $9,132
VISIONS 1 2.74% $4,276
Citibank 1 3.50% $4,566
UIF CORPORATION 1 3.50% $3,988
Charles Schwab Bank, SSB 1 5.48% $3,557
CFCU Community Credit Union 1 3.38% $0

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. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $124,425 (3.8%) $188,284 (7.1%) 0.46 903
2018-02-01 $125,975 (0.9%) $193,025 (6.2%) 0.46 878
2018-03-01 $129,250 (-0.2%) $196,765 (5.9%) 0.45 849
2018-04-01 $139,250 (7.2%) $204,120 (7.6%) 0.47 846
2018-05-01 $138,450 (2.6%) $203,655 (6.6%) 0.46 865
2018-06-01 $149,000 (6.5%) $216,767 (13.6%) 0.50 979
2018-07-01 $149,900 (2.0%) $218,719 (12.6%) 0.50 1,064
2018-08-01 $146,475 (4.3%) $213,433 (5.3%) 0.49 1,106
2018-09-01 $144,900 (3.6%) $210,792 (6.9%) 0.49 1,129
2018-10-01 $135,375 (-0.8%) $197,863 (1.3%) 0.46 1,091
2018-11-01 $133,200 (0.0%) $199,757 (2.3%) 0.45 1,008
2018-12-01 $129,900 (0.7%) $197,690 (3.9%) 0.45 943
2019-01-01 $129,900 (4.4%) $201,842 (7.2%) 0.45 859
2019-02-01 $131,175 (4.1%) $208,257 (7.9%) 0.44 769
2019-03-01 $139,929 (8.3%) $217,116 (10.3%) 0.46 744
2019-04-01 $149,900 (7.7%) $223,671 (9.6%) 0.48 730
2019-05-01 $154,900 (11.9%) $222,900 (9.5%) 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 $145,450 (12.0%) $221,943 (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 $167,450 (15.1%) $222,431 (0.2%) 0.50 475
2021-01-01 $164,700 (13.6%) $228,334 (0.5%) 0.49 402
2021-02-01 $169,900 (14.8%) $233,409 (1.7%) 0.49 329
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%) $264,599 (6.5%) 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%) $268,763 (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 (14.4%) 0.49 430
2021-11-01 $177,400 (4.5%) $252,234 (12.9%) 0.47 396
2021-12-01 $179,450 (7.2%) $254,238 (14.3%) 0.49 347
2022-01-01 $179,000 (8.7%) $246,613 (8.0%) 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 (6.7%) 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 (-1.9%) 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%) $251,089 (-0.5%) 0.43 448
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 $228,250 (14.7%) $315,641 (13.1%) 0.52 335
2023-08-01 $229,125 (20.1%) $313,034 (18.8%) 0.53 385
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
UTICA - ROME's median listing price for 2023-12-01 was $229,000, a difference of $54,000 (30.9%) versus the prior year and $-450 versus the prior month.

UTICA - ROME's median listing price comes in at 56% of the national average.

UTICA - ROME's average listing price for 2023-12-01 was $315,949, a difference of $69,530 (28.2%) versus the prior year and $2,308 versus the prior month.

For the 2023-12-01 period, UTICA - ROME had 392 MLS listings, a difference of -24 listings (-6%) versus the prior month and -2 listings (-1%) 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 1,522 sqft
2018-02-01 105 days 1,554 sqft
2018-03-01 103 days 1,568 sqft
2018-04-01 86 days 1,624 sqft
2018-05-01 53 days 1,648 sqft
2018-06-01 50 days 1,678 sqft
2018-07-01 56 days 1,667 sqft
2018-08-01 59 days 1,676 sqft
2018-09-01 67 days 1,662 sqft
2018-10-01 74 days 1,625 sqft
2018-11-01 83 days 1,633 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 62 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 1,641 sqft
2021-02-01 103 days 1,632 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 1,663 sqft
2022-01-01 81 days 1,623 sqft
2022-02-01 75 days 1,585 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 1,591 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 1,632 sqft
2023-09-01 52 days 1,628 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
UTICA - ROME's median listing age (time on market) for 2023-12-01 was 70 days. This is -7% shorter than the same period one year ago.

UTICA - ROME's median square footage for active listings during the 2023-12-01 period was 1,653 sqft. One year prior, the average listing was 1,584 sqft.

UTICA-ROME, NY Average Rent (2023)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
13032 Utica-Rome, NY $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.