UTICA - ROME Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Utica - Rome averaged
6.06%
for the week of 2024-10-24, compared to the national average of
6.54% for the same period.
The average rate for the prior week (2024-10-17) was
6.26% and
one month ago for the week of 2024-09-19, the
average rate was 5.61%.
Utica - Rome's average rate one year ago was 7.15%.
For refis of the same type during the week of 2024-10-24, the average rate
was 6.81%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2024-10-24 | 6.54% |
Utica - Rome 30 Year Fixed Rate | 2024-10-24 | 6.06% |
Utica - Rome 30 Year Fixed Rate Refi | 2024-10-24 | 6.81% |
Utica - Rome 15 Year Fixed Rate | 2024-10-24 | 6.31% |
Utica - Rome 15 Year Fixed Rate Refi | 2024-10-24 | 6.14% |
Utica - Rome 30 Year FHA | 2024-10-24 | 6.12% |
Utica - Rome 30 Year FHA Refi | 2024-10-24 | 6.45% |
Utica - Rome 30 Year USDA | 2024-10-24 | 6.29% |
Utica - Rome 30 Year USDA Refi | 2024-10-24 | 6.39% |
Utica - Rome 30 Year VA | 2024-10-24 | 6.33% |
Utica - Rome 30 Year VA Refi | 2024-10-24 | 6.04% |
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 81 lenders originated 4,278
loans during 2023. The total origination value was $779,030,000, with an average loan value of
$182,101.
UTICA - ROME's average closing costs are $4,775.
The top UTICA - ROME lender as defined by loan originations is Community Bank, with
122 loans originated. Their average total fees are
$712, which is $3,217
lower than the next largest lender,
FIRST SOURCE.
The lowest fee UTICA - ROME lenders (with over 10 loans originated) are
Community Bank ($712), GPO Federal Credit Union ($3,317), NBT Bank ($3,638), Adirondack Bank ($3,740) and SEFCU SERVICES, LLC ($3,885).
The lowest rate UTICA - ROME lenders (with over 10 loans originated) are
FIRST SOURCE (5.50%), AMERICU Credit Union (5.73%), Geddes Federal Savings and Loan Association (5.84%), SEFCU SERVICES, LLC (6.07%) and NBT Bank (6.15%).
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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
---|---|---|---|---|
JONES LANG LASALLE MULTIFAMILY, LLC | $179,545,000 | n/a | 23.0% | |
FIRST SOURCE | $132,145,000 | $85,240,000 | -35.5% | 10.9% |
NBT Bank | $40,465,000 | $52,870,000 | 30.7% | 6.8% |
Adirondack Bank | $76,525,000 | $45,690,000 | -40.3% | 5.9% |
AMERICU Credit Union | $96,280,000 | $43,870,000 | -54.4% | 5.6% |
PLAZA HOME MORTGAGE, INC. | $54,985,000 | $36,660,000 | -33.3% | 4.7% |
HOMESTEAD FUNDING CORP. | $34,320,000 | $35,000,000 | 2.0% | 4.5% |
Community Bank | $57,115,000 | $31,820,000 | -44.3% | 4.1% |
QUICKEN LOANS, LLC | $58,290,000 | $31,240,000 | -46.4% | 4.0% |
GPO Federal Credit Union | $22,620,000 | $22,485,000 | -0.6% | 2.9% |
Premium Mortgage Corporation | $30,155,000 | $18,880,000 | -37.4% | 2.4% |
M&T Bank | $30,195,000 | $17,045,000 | -43.6% | 2.2% |
SEFCU SERVICES, LLC | $7,440,000 | $13,360,000 | 79.6% | 1.7% |
KeyBank | $23,610,000 | $12,245,000 | -48.1% | 1.6% |
Citizens Bank | $13,620,000 | $9,225,000 | -32.3% | 1.2% |
MOVEMENT MORTGAGE, LLC | $9,285,000 | $8,055,000 | -13.2% | 1.0% |
Mortgage Research Center, LLC | $6,745,000 | $7,605,000 | 12.8% | 1.0% |
HUNT MORTGAGE CORPORATION | $10,815,000 | $7,600,000 | -29.7% | 1.0% |
Geddes Federal Savings and Loan Association | $8,260,000 | $7,285,000 | -11.8% | 0.9% |
NAVY FEDERAL CREDIT UNION | $5,015,000 | $6,185,000 | 23.3% | 0.8% |
Empower Federal Credit Union | $8,605,000 | $5,550,000 | -35.5% | 0.7% |
Farm Credit East, ACA | $7,190,000 | $5,410,000 | -24.8% | 0.7% |
Berkshire Bank | $7,540,000 | $4,715,000 | -37.5% | 0.6% |
UNITED WHOLESALE MORTGAGE, LLC | $8,835,000 | $4,565,000 | -48.3% | 0.6% |
21ST MORTGAGE CORPORATION | $2,530,000 | $3,055,000 | 20.8% | 0.4% |
Genesee Regional Bank | $4,100,000 | $2,915,000 | -28.9% | 0.4% |
PARAGON HOME LOANS INC. | $9,115,000 | $2,870,000 | -68.5% | 0.4% |
ACCESS Federal Credit Union | $2,380,000 | $2,845,000 | 19.5% | 0.4% |
USAA Federal Savings Bank | $4,475,000 | $2,740,000 | -38.8% | 0.4% |
Wells Fargo Bank | $7,590,000 | $2,730,000 | -64.0% | 0.4% |
Mr. Cooper ( Nationstar Mortgage ) | $7,125,000 | $2,565,000 | -64.0% | 0.3% |
PRIMELENDING, A PLAINSCAPITAL COMPANY | $5,420,000 | $2,540,000 | -53.1% | 0.3% |
JPMorgan Chase Bank | $5,320,000 | $2,520,000 | -52.6% | 0.3% |
HOME TOWN FUNDING, INC. | $1,370,000 | $2,255,000 | 64.6% | 0.3% |
Arbor Realty Trust, Inc. | $2,025,000 | n/a | 0.3% | |
1ST PRIORITY MORTGAGE, INC. | $3,785,000 | $1,920,000 | -49.3% | 0.2% |
LIMA ONE CAPITAL, LLC | $870,000 | $1,820,000 | 109.2% | 0.2% |
Bank of America | $2,930,000 | $1,810,000 | -38.2% | 0.2% |
LENDINGHOME FUNDING CORPORATION | $340,000 | $1,480,000 | 335.3% | 0.2% |
TD Bank | $680,000 | $1,370,000 | 101.5% | 0.2% |
A&D Mortgage LLC | $175,000 | $1,345,000 | 668.6% | 0.2% |
LOANDEPOT.COM, LLC | $4,445,000 | $1,195,000 | -73.1% | 0.2% |
NEWREZ LLC | $1,190,000 | $1,165,000 | -2.1% | 0.1% |
CROSSCOUNTRY MORTGAGE, LLC | $2,315,000 | $1,150,000 | -50.3% | 0.1% |
STATE EMPLOYEES FEDERAL CREDIT UNION | $950,000 | $1,120,000 | 17.9% | 0.1% |
NORTHERN CREDIT UNION | $695,000 | $1,115,000 | 60.4% | 0.1% |
RELIANCE FIRST CAPITAL, LLC | $1,070,000 | $1,105,000 | 3.3% | 0.1% |
Pathfinder Bank | $790,000 | $1,065,000 | 34.8% | 0.1% |
Discover Bank | $245,000 | $1,040,000 | 324.5% | 0.1% |
FREEDOM MORTGAGE CORPORATION | $835,000 | $1,015,000 | 21.6% | 0.1% |
Barrington Bank & Trust Company, N.A. | $1,640,000 | $980,000 | -40.2% | 0.1% |
PENTAGON FEDERAL CREDIT UNION | $685,000 | $940,000 | 37.2% | 0.1% |
ROYAL UNITED MORTGAGE LLC | $1,630,000 | $920,000 | -43.6% | 0.1% |
AMERICAN FINANCIAL RESOURCES, INC. | $750,000 | $885,000 | 18.0% | 0.1% |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $575,000 | $880,000 | 53.0% | 0.1% |
TRIAD FINANCIAL SERVICES, INC. | $485,000 | $805,000 | 66.0% | 0.1% |
CREDIT HUMAN FEDERAL CREDIT UNION | $1,720,000 | $735,000 | -57.3% | 0.1% |
The Lyons National Bank | $1,135,000 | $730,000 | -35.7% | 0.1% |
PENNYMAC LOAN SERVICES, LLC | $105,000 | $715,000 | 581.0% | 0.1% |
U.S. Bank | $240,000 | $700,000 | 191.7% | 0.1% |
Citizens & Northern Bank | $685,000 | n/a | 0.1% | |
FIRST CREDIT CORPORATION OF NEW YORK, INC. | $760,000 | $660,000 | -13.2% | 0.1% |
TEMPLE VIEW CAPITAL FUNDING, LP | $75,000 | $660,000 | 780.0% | 0.1% |
The Bank of Greene County | $615,000 | n/a | 0.1% | |
Carthage Federal Savings and Loan Association | $610,000 | n/a | 0.1% | |
Northwest Bank | $605,000 | n/a | 0.1% | |
VELOCITY COMMERCIAL CAPITAL, LLC | $595,000 | n/a | 0.1% | |
The National Bank of Coxsackie | $1,470,000 | $590,000 | -59.9% | 0.1% |
Ballston Spa National Bank | $995,000 | $535,000 | -46.2% | 0.1% |
Service Federal Credit Union | $355,000 | $510,000 | 43.7% | 0.1% |
Wayne Bank | $510,000 | $465,000 | -8.8% | 0.1% |
TOTAL MORTGAGE SERVICES, LLC | $135,000 | $450,000 | 233.3% | 0.1% |
Bank of England | $1,030,000 | $415,000 | -59.7% | 0.1% |
Citibank | $75,000 | $405,000 | 440.0% | 0.1% |
CARDINAL FINANCIAL | $390,000 | $390,000 | 0.0% | 0.1% |
Northpointe Bank | $390,000 | n/a | 0.1% | |
PHH Mortgage Corporation | $535,000 | $375,000 | -29.9% | 0.0% |
THE SUMMIT Federal Credit Union | $405,000 | $375,000 | -7.4% | 0.0% |
First Savings Bank | $355,000 | n/a | 0.0% | |
Carrington Mortgage Services, LLC | $2,290,000 | $350,000 | -84.7% | 0.0% |
Webster Bank | $330,000 | n/a | 0.0% | |
Ally Bank | $235,000 | $325,000 | 38.3% | 0.0% |
AMERICAN FEDERAL MORTGAGE CORPORATION | $325,000 | n/a | 0.0% | |
NATIONWIDE MORTGAGE BANKERS, INC. | $295,000 | $310,000 | 5.1% | 0.0% |
NBKC BANK | $335,000 | $310,000 | -7.5% | 0.0% |
US MORTGAGE CORPORATION | $310,000 | n/a | 0.0% | |
ARC HOME LLC | $300,000 | n/a | 0.0% | |
FINANCE OF AMERICA REVERSE LLC | $250,000 | $300,000 | 20.0% | 0.0% |
Tompkins Trust Company | $1,435,000 | $300,000 | -79.1% | 0.0% |
BETTER MORTGAGE CORPORATION | $755,000 | $295,000 | -60.9% | 0.0% |
CONTOUR MORTGAGE CORPORATION | $470,000 | $285,000 | -39.4% | 0.0% |
WINGS FINANCIAL | $285,000 | n/a | 0.0% | |
Nations Lending Corporation | $265,000 | n/a | 0.0% | |
AMWEST FUNDING CORP. | $260,000 | n/a | 0.0% | |
HUDSON HERITAGE | $255,000 | n/a | 0.0% | |
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | $255,000 | n/a | 0.0% | |
Evolve Bank & Trust | $245,000 | n/a | 0.0% | |
JUSTICE Federal Credit Union | $245,000 | n/a | 0.0% | |
Solvay Bank | $725,000 | $245,000 | -66.2% | 0.0% |
SUN WEST MORTGAGE COMPANY, INC. | $245,000 | n/a | 0.0% | |
Flagstar Bank, FSB | $750,000 | $240,000 | -68.0% | 0.0% |
JET DIRECT FUNDING CORP | $225,000 | n/a | 0.0% | |
WALL STREET MORTGAGE BANKERS, LTD. | $225,000 | n/a | 0.0% | |
AMERICAN HERITAGE LENDING, INC. | $205,000 | n/a | 0.0% | |
First Merchants Bank | $205,000 | n/a | 0.0% | |
Seneca Savings | $275,000 | $205,000 | -25.5% | 0.0% |
OWNERSCHOICE FUNDING, INCORPORATED | $135,000 | $195,000 | 44.4% | 0.0% |
Centier Bank | $45,000 | $180,000 | 300.0% | 0.0% |
ABSOLUTE HOME MORTGAGE CORPORATION | $175,000 | n/a | 0.0% | |
ALLIED MORTGAGE GROUP, INC. | $175,000 | n/a | 0.0% | |
Colonial Savings, F.A. | $735,000 | $175,000 | -76.2% | 0.0% |
HOMEBRIDGE FINANCIAL SERVICES, INC. | $945,000 | $175,000 | -81.5% | 0.0% |
Amalgamated Bank | $165,000 | n/a | 0.0% | |
The Federal Savings Bank | $490,000 | $165,000 | -66.3% | 0.0% |
Metro City Bank | $160,000 | n/a | 0.0% | |
BOND STREET MORTGAGE, LLC | $145,000 | n/a | 0.0% | |
FM Home Loans, LLC | $245,000 | $145,000 | -40.8% | 0.0% |
The Canandaigua National Bank and Trust Company | $735,000 | $145,000 | -80.3% | 0.0% |
CFCU Community Credit Union | $155,000 | $135,000 | -12.9% | 0.0% |
EMBRACE HOME LOANS, INC. | $420,000 | $135,000 | -67.9% | 0.0% |
PNC Bank | $13,555,000 | $130,000 | -99.0% | 0.0% |
GUIDANCE RESIDENTIAL, LLC | $235,000 | $125,000 | -46.8% | 0.0% |
NP, Inc. | $125,000 | n/a | 0.0% | |
UIF CORPORATION | $495,000 | $125,000 | -74.7% | 0.0% |
Plains Commerce Bank | $115,000 | n/a | 0.0% | |
CORNING | $125,000 | $105,000 | -16.0% | 0.0% |
VAN DYK MORTGAGE CORPORATION | $105,000 | n/a | 0.0% | |
LENDINGONE, LLC | $95,000 | n/a | 0.0% | |
MID-ISLAND MORTGAGE CORP. | $95,000 | n/a | 0.0% | |
Ukrainian Federal Credit Union | $95,000 | $95,000 | 0.0% | 0.0% |
AMERICAN FINANCING CORPORATION | $390,000 | $85,000 | -78.2% | 0.0% |
GREENWOOD | $280,000 | $80,000 | -71.4% | 0.0% |
AMERICAN FINANCIAL NETWORK, INC. | $75,000 | n/a | 0.0% | |
FIRST NEW YORK | $75,000 | n/a | 0.0% | |
Fulton Savings Bank | $980,000 | $75,000 | -92.3% | 0.0% |
The People's Credit Union | $110,000 | $75,000 | -31.8% | 0.0% |
Municipal Credit Union | $55,000 | n/a | 0.0% | |
UTILITIES EMPLOYEES CREDIT UNION | $265,000 | $55,000 | -79.2% | 0.0% |
Bethpage Federal Credit Union | $85,000 | $45,000 | -47.1% | 0.0% |
TRADEMARK | $45,000 | n/a | 0.0% | |
Baxter Credit Union | $35,000 | n/a | 0.0% | |
SUNMARK FEDERAL CREDIT UNION | $680,000 | $15,000 | -97.8% | 0.0% |
UTICA - ROME's top lender by overall market share is JONES LANG LASALLE MULTIFAMILY, LLC, with 23.0% market share. In second place, with 10.9%, is FIRST SOURCE, having originated $85,240,000 in loans. In third place, with 6.8%, is NBT Bank, having originated $52,870,000 in loans. In fourth place, with 5.9%, is Adirondack Bank, having originated $45,690,000 in loans. In fifth place, with 5.6%, is AMERICU Credit Union, having originated $43,870,000 in loans.
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.
Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
---|---|---|---|---|---|---|
13032 | Utica-Rome, NY MSA | $770 | $870 | $1,070 | $1,320 | $1,520 |
13042 | Utica-Rome, NY MSA | $1,030 | $1,100 | $1,370 | $1,680 | $1,960 |
13054 | Utica-Rome, NY MSA | $850 | $860 | $1,080 | $1,340 | $1,550 |
13123 | Utica-Rome, NY MSA | $850 | $880 | $1,100 | $1,340 | $1,580 |
13157 | Utica-Rome, NY MSA | $900 | $910 | $1,140 | $1,390 | $1,640 |
13162 | Utica-Rome, NY MSA | $840 | $850 | $1,080 | $1,330 | $1,540 |
13301 | Utica-Rome, NY MSA | $720 | $720 | $910 | $1,110 | $1,310 |
13303 | Utica-Rome, NY MSA | $760 | $760 | $960 | $1,170 | $1,380 |
13304 | Utica-Rome, NY MSA | $910 | $910 | $1,150 | $1,400 | $1,660 |
13308 | Utica-Rome, NY MSA | $850 | $850 | $1,070 | $1,300 | $1,540 |
13309 | Utica-Rome, NY MSA | $700 | $700 | $880 | $1,070 | $1,270 |
13313 | Utica-Rome, NY MSA | $700 | $710 | $890 | $1,080 | $1,280 |
13316 | Utica-Rome, NY MSA | $700 | $710 | $880 | $1,080 | $1,270 |
13318 | Utica-Rome, NY MSA | $820 | $830 | $1,040 | $1,270 | $1,500 |
13319 | Utica-Rome, NY MSA | $710 | $720 | $900 | $1,100 | $1,300 |
13321 | Utica-Rome, NY MSA | $760 | $760 | $960 | $1,170 | $1,380 |
13322 | Utica-Rome, NY MSA | $750 | $760 | $950 | $1,160 | $1,370 |
13323 | Utica-Rome, NY MSA | $940 | $950 | $1,190 | $1,450 | $1,710 |
13324 | Utica-Rome, NY MSA | $700 | $710 | $890 | $1,080 | $1,280 |
13328 | Utica-Rome, NY MSA | $780 | $790 | $990 | $1,210 | $1,430 |
13329 | Utica-Rome, NY MSA | $650 | $660 | $830 | $1,010 | $1,190 |
13331 | Utica-Rome, NY MSA | $700 | $710 | $890 | $1,080 | $1,280 |
13338 | Utica-Rome, NY MSA | $720 | $720 | $910 | $1,110 | $1,310 |
13339 | Utica-Rome, NY MSA | $750 | $760 | $950 | $1,160 | $1,370 |
13340 | Utica-Rome, NY MSA | $730 | $740 | $930 | $1,130 | $1,340 |
13341 | Utica-Rome, NY MSA | $940 | $950 | $1,190 | $1,450 | $1,710 |
13350 | Utica-Rome, NY MSA | $810 | $820 | $1,030 | $1,250 | $1,480 |
13352 | Utica-Rome, NY MSA | $730 | $740 | $920 | $1,120 | $1,330 |
13354 | Utica-Rome, NY MSA | $660 | $660 | $830 | $1,010 | $1,200 |
13357 | Utica-Rome, NY MSA | $660 | $670 | $840 | $1,020 | $1,210 |
13360 | Utica-Rome, NY MSA | $700 | $710 | $890 | $1,080 | $1,280 |
13361 | Utica-Rome, NY MSA | $700 | $710 | $890 | $1,080 | $1,280 |
13362 | Utica-Rome, NY MSA | $740 | $750 | $940 | $1,150 | $1,360 |
13363 | Utica-Rome, NY MSA | $1,070 | $1,080 | $1,360 | $1,660 | $1,960 |
13365 | Utica-Rome, NY MSA | $650 | $660 | $830 | $1,010 | $1,190 |
13367 | Utica-Rome, NY MSA | $730 | $740 | $930 | $1,130 | $1,340 |
13401 | Utica-Rome, NY MSA | $770 | $770 | $970 | $1,180 | $1,400 |
13402 | Utica-Rome, NY MSA | $750 | $840 | $1,040 | $1,280 | $1,480 |
13403 | Utica-Rome, NY MSA | $710 | $720 | $900 | $1,100 | $1,300 |
13406 | Utica-Rome, NY MSA | $850 | $860 | $1,080 | $1,310 | $1,560 |
13407 | Utica-Rome, NY MSA | $690 | $690 | $870 | $1,060 | $1,250 |
13409 | Utica-Rome, NY MSA | $760 | $850 | $1,050 | $1,290 | $1,500 |
13413 | Utica-Rome, NY MSA | $960 | $960 | $1,210 | $1,470 | $1,740 |
13416 | Utica-Rome, NY MSA | $650 | $660 | $830 | $1,010 | $1,190 |
13417 | Utica-Rome, NY MSA | $760 | $760 | $960 | $1,170 | $1,380 |
13420 | Utica-Rome, NY MSA | $700 | $710 | $890 | $1,080 | $1,280 |
13421 | Utica-Rome, NY MSA | $720 | $790 | $980 | $1,210 | $1,400 |
13424 | Utica-Rome, NY MSA | $730 | $740 | $930 | $1,130 | $1,340 |
13425 | Utica-Rome, NY MSA | $740 | $750 | $940 | $1,150 | $1,360 |
13431 | Utica-Rome, NY MSA | $750 | $760 | $950 | $1,160 | $1,370 |
13435 | Utica-Rome, NY MSA | $730 | $740 | $930 | $1,130 | $1,340 |
13438 | Utica-Rome, NY MSA | $730 | $740 | $930 | $1,130 | $1,340 |
13439 | Utica-Rome, NY MSA | $730 | $730 | $920 | $1,120 | $1,330 |
13440 | Utica-Rome, NY MSA | $770 | $780 | $980 | $1,190 | $1,410 |
13441 | Utica-Rome, NY MSA | $730 | $740 | $930 | $1,130 | $1,340 |
13442 | Utica-Rome, NY MSA | $770 | $770 | $970 | $1,180 | $1,400 |
13454 | Utica-Rome, NY MSA | $690 | $690 | $870 | $1,060 | $1,250 |
13455 | Utica-Rome, NY MSA | $770 | $770 | $970 | $1,180 | $1,400 |
13456 | Utica-Rome, NY MSA | $850 | $850 | $1,070 | $1,300 | $1,540 |
13461 | Utica-Rome, NY MSA | $810 | $820 | $1,030 | $1,250 | $1,480 |
13469 | Utica-Rome, NY MSA | $710 | $720 | $900 | $1,100 | $1,300 |
13470 | Utica-Rome, NY MSA | $650 | $660 | $830 | $1,010 | $1,190 |
13471 | Utica-Rome, NY MSA | $800 | $800 | $1,010 | $1,230 | $1,460 |
13472 | Utica-Rome, NY MSA | $700 | $710 | $890 | $1,080 | $1,280 |
13475 | Utica-Rome, NY MSA | $750 | $760 | $950 | $1,160 | $1,370 |
13476 | Utica-Rome, NY MSA | $770 | $780 | $980 | $1,190 | $1,410 |
13477 | Utica-Rome, NY MSA | $770 | $800 | $1,000 | $1,220 | $1,440 |
13478 | Utica-Rome, NY MSA | $730 | $740 | $930 | $1,130 | $1,340 |
13479 | Utica-Rome, NY MSA | $770 | $770 | $970 | $1,180 | $1,400 |
13480 | Utica-Rome, NY MSA | $700 | $710 | $890 | $1,090 | $1,280 |
13483 | Utica-Rome, NY MSA | $1,130 | $1,140 | $1,430 | $1,740 | $2,060 |
13486 | Utica-Rome, NY MSA | $860 | $870 | $1,090 | $1,330 | $1,570 |
13489 | Utica-Rome, NY MSA | $750 | $750 | $950 | $1,160 | $1,370 |
13490 | Utica-Rome, NY MSA | $790 | $800 | $1,000 | $1,210 | $1,440 |
13491 | Utica-Rome, NY MSA | $700 | $720 | $900 | $1,090 | $1,290 |
13492 | Utica-Rome, NY MSA | $770 | $770 | $970 | $1,180 | $1,400 |
13494 | Utica-Rome, NY MSA | $710 | $710 | $900 | $1,100 | $1,300 |
13495 | Utica-Rome, NY MSA | $690 | $690 | $870 | $1,060 | $1,250 |
13501 | Utica-Rome, NY MSA | $690 | $690 | $870 | $1,060 | $1,250 |
13502 | Utica-Rome, NY MSA | $780 | $790 | $990 | $1,200 | $1,430 |
13503 | Utica-Rome, NY MSA | $770 | $770 | $970 | $1,180 | $1,400 |
13504 | Utica-Rome, NY MSA | $770 | $770 | $970 | $1,180 | $1,400 |
13505 | Utica-Rome, NY MSA | $770 | $770 | $970 | $1,180 | $1,400 |
2022 Average & Median Rent Data Statistics
UTICA-ROME, NY average 1BR rent: $778, median: $760
UTICA-ROME, NY average 2BR rent: $977, median: $950
UTICA-ROME, NY average 3BR rent: $1,191, median: $1,160
UTICA-ROME, NY Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 2,041 | $368,525,000 | $180,561 |
Home Improvement | 892 | $75,630,000 | $84,787 |
Refi | 564 | $260,780,000 | $462,376 |
Other | 545 | $38,745,000 | $71,092 |
Cash Out Refi | 232 | $35,050,000 | $151,078 |
NA | 4 | $300,000 | $75,000 |
Utica - Rome's most frequently cited loan purpose was Home Purchase, with 2,041 originations. The 2nd most popular reason was Home Improvement, with 892 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
6-7% | 1,371 | $227,845,000 | $166,189 |
5-6% | 917 | $314,715,000 | $343,201 |
7-8% | 715 | $116,425,000 | $162,832 |
Over 8% | 551 | $51,045,000 | $92,641 |
4-5% | 330 | $34,500,000 | $104,545 |
3-4% | 196 | $16,260,000 | $82,959 |
<2.5% | 133 | $12,495,000 | $93,947 |
2.5-3% | 4 | $420,000 | $105,000 |
During 2023, Utica - Rome's most frequently originated rate bucket was 6-7%, with 1,371 originations.
Loan Sizing (UTICA-ROME, NY MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$100,000 or less | 1,930 | $106,680,000 | $55,275 |
$100k-200k | 1,543 | $221,245,000 | $143,386 |
$200k-400k | 707 | $185,055,000 | $261,747 |
$400k-600k | 68 | $31,770,000 | $467,206 |
$600k-1000k | 21 | $14,535,000 | $692,143 |
$Over $1MM | 9 | $219,745,000 | $24,416,111 |
UTICA - ROME's loan sizing saw the bucket of loans from $100,000 or less with 1,930 originations, totaling $106,680,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 1,473 | $288,275,000 | $195,706 |
60-80% | 830 | $157,300,000 | $189,518 |
20-40% | 815 | $57,495,000 | $70,546 |
Under 20% | 608 | $23,390,000 | $38,470 |
40-60% | 451 | $56,845,000 | $126,042 |
Over 100% | 34 | $189,720,000 | $5,580,000 |
UTICA - ROME's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,473 originations, totaling $288,275,000 in origination value.