Vineyard Haven Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Vineyard Haven averaged
6.53%
for the week of 2023-03-16, compared to the national average of
6.6% for the same period.
The average rate for the prior week (2023-03-09) was
7.06% and
one month ago for the week of 2023-02-09, the
average rate was 6.15%.
Vineyard Haven's average rate one year ago was 4.18%.
For refis of the same type during the week of 2023-03-16, the average rate
was 6.76%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-03-16 | 6.6% |
| Vineyard Haven 30 Year Fixed Rate | 2023-03-16 | 6.53% |
| Vineyard Haven 30 Year Fixed Rate Refi | 2023-03-16 | 6.76% |
| Vineyard Haven 15 Year Fixed Rate | 2023-03-16 | 5.92% |
| Vineyard Haven 15 Year Fixed Rate Refi | 2023-03-16 | 6% |
| Vineyard Haven 30 Year FHA | 2023-03-16 | 6.29% |
| Vineyard Haven 30 Year FHA Refi | 2023-03-16 | 6.71% |
| Vineyard Haven 30 Year VA | 2023-03-16 | 3.06% |
| Vineyard Haven 30 Year VA Refi | 2023-03-16 | 6.22% |
Vineyard Haven 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 Vineyard Haven, MA 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.).
Vineyard Haven Average Closing Costs & Other Stats
Vineyard Haven, MA's 118 lenders originated 1,762
loans during 2021. The total origination value was $1,422,200,000, with an average loan value of
$807,151.
Vineyard Haven's average closing costs are $5,915.
The top Vineyard Haven lender as defined by loan originations is The Cape Cod Five Cents Savings Bank, with
220 loans originated. Their average total fees are
$4,193, which is $1,669
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Vineyard Haven lenders (with over 10 loans originated) are
AMERISAVE MORTGAGE CORPORATION ($4,062), The Cape Cod Five Cents Savings Bank ($4,193), Santander Bank, N.A. ($4,328), ALLIED MORTGAGE GROUP, INC. ($4,543) and TD Bank ($4,600).
The lowest rate Vineyard Haven lenders (with over 10 loans originated) are
Bank of America (2.60%), Wells Fargo Bank (2.69%), Morgan Stanley Private Bank (2.69%), U.S. Bank (2.73%) and JPMorgan Chase Bank (2.74%).
Vineyard Haven, MA 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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| Martha's Vineyard Savings Bank | $209,910,000 | $265,985,000 | 26.7% | 18.7% |
| The Cape Cod Five Cents Savings Bank | $150,305,000 | $181,715,000 | 20.9% | 12.8% |
| JPMorgan Chase Bank | $51,380,000 | $85,900,000 | 67.2% | 6.0% |
| First Republic Bank | $87,495,000 | $74,730,000 | -14.6% | 5.3% |
| Wells Fargo Bank | $33,560,000 | $64,980,000 | 93.6% | 4.6% |
| Santander Bank, N.A. | $56,005,000 | $56,175,000 | 0.3% | 3.9% |
| QUICKEN LOANS, LLC | $34,935,000 | $46,155,000 | 32.1% | 3.2% |
| Bank of America | $71,960,000 | $44,355,000 | -38.4% | 3.1% |
| Citibank | $36,760,000 | $43,530,000 | 18.4% | 3.1% |
| Rockland Trust Company | $41,215,000 | $32,115,000 | -22.1% | 2.3% |
| Goldman Sachs Bank USA | $17,165,000 | $30,525,000 | 77.8% | 2.1% |
| Morgan Stanley Private Bank | $28,280,000 | $25,680,000 | -9.2% | 1.8% |
| ALLIED MORTGAGE GROUP, INC. | $21,095,000 | $22,615,000 | 7.2% | 1.6% |
| Bank of New Hampshire | $20,735,000 | n/a | 1.5% | |
| The Northern Trust Company | $18,915,000 | n/a | 1.3% | |
| Citizens Bank | $16,065,000 | $17,850,000 | 11.1% | 1.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $4,395,000 | $17,330,000 | 294.3% | 1.2% |
| GUARANTEED RATE, INC. | $8,765,000 | $16,115,000 | 83.9% | 1.1% |
| LOANDEPOT.COM, LLC | $8,685,000 | $15,965,000 | 83.8% | 1.1% |
| TD Bank | $16,130,000 | $14,745,000 | -8.6% | 1.0% |
| UBS Bank USA | $14,715,000 | $13,995,000 | -4.9% | 1.0% |
| U.S. Bank | $2,855,000 | $11,920,000 | 317.5% | 0.8% |
| Boston Private Bank & Trust Company | $4,080,000 | $11,420,000 | 179.9% | 0.8% |
| First Horizon Bank | $11,005,000 | n/a | 0.8% | |
| BNY Mellon | $2,005,000 | $9,700,000 | 383.8% | 0.7% |
| AMERISAVE MORTGAGE CORPORATION | $2,655,000 | $9,055,000 | 241.1% | 0.6% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | $2,975,000 | $8,640,000 | 190.4% | 0.6% |
| Eastern Bank | $4,295,000 | $7,875,000 | 83.4% | 0.6% |
| Leader Bank | $5,670,000 | $7,755,000 | 36.8% | 0.5% |
| Mortgage Network, Inc. | $2,270,000 | $7,145,000 | 214.8% | 0.5% |
| HARBORONE MORTGAGE, LLC | $2,665,000 | $7,030,000 | 163.8% | 0.5% |
| Webster Bank | $2,235,000 | $6,935,000 | 210.3% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $4,415,000 | $6,805,000 | 54.1% | 0.5% |
| Charles Schwab Bank, SSB | $3,335,000 | $5,905,000 | 77.1% | 0.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,095,000 | $5,850,000 | 179.2% | 0.4% |
| Institution for Savings in Newburyport and Its Vicinity | $965,000 | $5,730,000 | 493.8% | 0.4% |
| PENNYMAC LOAN SERVICES, LLC | $2,995,000 | $5,455,000 | 82.1% | 0.4% |
| HOME POINT FINANCIAL CORPORATION | $4,255,000 | $5,335,000 | 25.4% | 0.4% |
| Stifel Bank and Trust | $6,440,000 | $5,310,000 | -17.5% | 0.4% |
| City National Bank | $10,560,000 | $4,735,000 | -55.2% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $6,695,000 | $4,565,000 | -31.8% | 0.3% |
| Cambridge Trust Company | $5,555,000 | $4,510,000 | -18.8% | 0.3% |
| PNC Bank | $15,615,000 | $4,150,000 | -73.4% | 0.3% |
| KeyBank | $2,615,000 | $3,820,000 | 46.1% | 0.3% |
| The Village Bank | $3,765,000 | n/a | 0.3% | |
| SALEM FIVE MORTGAGE COMPANY, LLC | $5,955,000 | $3,565,000 | -40.1% | 0.3% |
| UniBank for Savings | $7,570,000 | $3,200,000 | -57.7% | 0.2% |
| Bar Harbor Bank & Trust | $385,000 | $3,155,000 | 719.5% | 0.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,040,000 | $3,080,000 | 196.2% | 0.2% |
| RESIDENTIAL MORTGAGE SERVICES, INC. | $2,560,000 | $2,975,000 | 16.2% | 0.2% |
| EMM LOANS LLC | $1,310,000 | $2,915,000 | 122.5% | 0.2% |
| NEW FED MORTGAGE, CORP. | $2,175,000 | $2,830,000 | 30.1% | 0.2% |
| Northern Bank & Trust Company | $2,720,000 | n/a | 0.2% | |
| ARC HOME LLC | $2,715,000 | n/a | 0.2% | |
| Wilmington Savings Fund Society, FSB | $2,690,000 | n/a | 0.2% | |
| People's United Bank | $2,345,000 | $2,685,000 | 14.5% | 0.2% |
| Bridgewater Savings Bank | $1,035,000 | $2,680,000 | 158.9% | 0.2% |
| LENDSURE MORTGAGE CORP. | $535,000 | $2,565,000 | 379.4% | 0.2% |
| Quontic Bank | $2,015,000 | $2,495,000 | 23.8% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,655,000 | $2,435,000 | 47.1% | 0.2% |
| Needham Bank | $2,415,000 | n/a | 0.2% | |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $1,245,000 | $2,405,000 | 93.2% | 0.2% |
| Bristol County Savings Bank | $505,000 | $2,290,000 | 353.5% | 0.2% |
| METRO | $725,000 | $2,205,000 | 204.1% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $2,150,000 | n/a | 0.2% | |
| Middlesex Savings Bank | $900,000 | $2,130,000 | 136.7% | 0.1% |
| Envision Bank | $2,770,000 | $2,125,000 | -23.3% | 0.1% |
| DIGITAL Federal Credit Union | $3,865,000 | $2,115,000 | -45.3% | 0.1% |
| NEWREZ LLC | $390,000 | $2,100,000 | 438.5% | 0.1% |
| EMBRACE HOME LOANS, INC. | $1,230,000 | $2,080,000 | 69.1% | 0.1% |
| FREEDOM MORTGAGE CORPORATION | $4,010,000 | $2,070,000 | -48.4% | 0.1% |
| Manufacturers and Traders Trust Company | $1,630,000 | $2,005,000 | 23.0% | 0.1% |
| First National Bank of America | $1,920,000 | n/a | 0.1% | |
| Bangor Savings Bank | $2,045,000 | $1,910,000 | -6.6% | 0.1% |
| Sharon & Crescent United Credit Union | $1,865,000 | n/a | 0.1% | |
| NATIONS DIRECT MORTGAGE, LLC | $1,860,000 | n/a | 0.1% | |
| Newburyport Five Cents Savings Bank | $2,480,000 | $1,835,000 | -26.0% | 0.1% |
| Brookline Bank | $1,655,000 | n/a | 0.1% | |
| DRAPER AND KRAMER MORTGAGE CORP. | $870,000 | $1,635,000 | 87.9% | 0.1% |
| ServisFirst Bank | $1,510,000 | n/a | 0.1% | |
| The Washington Trust Company, of Westerly | $620,000 | $1,505,000 | 142.7% | 0.1% |
| RADIUS FINANCIAL GROUP INC. | $1,680,000 | $1,470,000 | -12.5% | 0.1% |
| AMERICAN EAGLE FINANCIAL CREDIT UNION | $1,430,000 | n/a | 0.1% | |
| The Federal Savings Bank | $2,985,000 | $1,375,000 | -53.9% | 0.1% |
| HANSCOM | $1,310,000 | $1,345,000 | 2.7% | 0.1% |
| GUARANTY HOME MORTGAGE CORPORATION | $1,325,000 | n/a | 0.1% | |
| Cambridge Savings Bank | $1,260,000 | $1,280,000 | 1.6% | 0.1% |
| OCMBC, INC. | $1,280,000 | n/a | 0.1% | |
| Cape Cod Co-operative Bank | $2,730,000 | $1,250,000 | -54.2% | 0.1% |
| MEMBERS MORTGAGE COMPANY, INC. | $515,000 | $1,250,000 | 142.7% | 0.1% |
| Century Bank and Trust Company | $1,110,000 | $1,245,000 | 12.2% | 0.1% |
| INLAND BANK & TRUST | $1,765,000 | $1,245,000 | -29.5% | 0.1% |
| Fall River Five Cents Savings Bank | $4,745,000 | $1,230,000 | -74.1% | 0.1% |
| Silicon Valley Bank | $7,230,000 | $1,205,000 | -83.3% | 0.1% |
| UMASSFIVE COLLEGE Federal Credit Union | $1,205,000 | n/a | 0.1% | |
| Winchester Savings Bank | $1,195,000 | n/a | 0.1% | |
| FirstBank | $1,185,000 | $1,120,000 | -5.5% | 0.1% |
| BAY EQUITY LLC | $1,115,000 | n/a | 0.1% | |
| Main Street Bank | $225,000 | $1,100,000 | 388.9% | 0.1% |
| First Federal Bank | $745,000 | $1,090,000 | 46.3% | 0.1% |
| Florence Bank | $1,045,000 | n/a | 0.1% | |
| NORTHPOINT MORTGAGE, INC. | $650,000 | $985,000 | 51.5% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $325,000 | $985,000 | 203.1% | 0.1% |
| REVERSE MORTGAGE FUNDING LLC | $970,000 | n/a | 0.1% | |
| CALIBER HOME LOANS, INC. | $960,000 | n/a | 0.1% | |
| Poli Mortgage Group, Inc. | $610,000 | $930,000 | 52.5% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $255,000 | $920,000 | 260.8% | 0.1% |
| Truist Bank | $920,000 | n/a | 0.1% | |
| BROKER SOLUTIONS, INC. | $1,135,000 | $870,000 | -23.3% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $820,000 | $850,000 | 3.7% | 0.1% |
| Beeline Loans, Inc. | $840,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $835,000 | n/a | 0.1% | |
| CENTRAL ONE FEDERAL CREDIT UNION | $825,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $425,000 | $810,000 | 90.6% | 0.1% |
| Coastal Heritage Bank | $805,000 | n/a | 0.1% | |
| Raymond James Bank | $805,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $790,000 | n/a | 0.1% | |
| Charles River Bank | $505,000 | $780,000 | 54.5% | 0.1% |
| DREW MORTGAGE ASSOCIATES, INC. | $980,000 | $775,000 | -20.9% | 0.1% |
| AMWEST FUNDING CORP. | $765,000 | n/a | 0.1% | |
| WILLIAM RAVEIS MORTGAGE, LLC | $765,000 | n/a | 0.1% | |
| HarborOne Bank | $725,000 | $755,000 | 4.1% | 0.1% |
| Mortgage Research Center, LLC | $505,000 | $725,000 | 43.6% | 0.1% |
| Watermark Capital, Inc. | $725,000 | n/a | 0.1% | |
| North Easton Savings Bank | $690,000 | n/a | 0.0% | |
| MidFirst Bank | $655,000 | n/a | 0.0% | |
| Paramount Residential Mortgage Group, Inc. | $655,000 | n/a | 0.0% | |
| NFM, INC. | $595,000 | $635,000 | 6.7% | 0.0% |
| Flagstar Bank, FSB | $3,170,000 | $630,000 | -80.1% | 0.0% |
| EagleBank | $625,000 | n/a | 0.0% | |
| Northpointe Bank | $1,025,000 | $615,000 | -40.0% | 0.0% |
| CMG MORTGAGE, INC. | $455,000 | $525,000 | 15.4% | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | $605,000 | $525,000 | -13.2% | 0.0% |
| Cf Bank | $515,000 | n/a | 0.0% | |
| FIRST HOME MORTGAGE CORPORATION | $755,000 | $505,000 | -33.1% | 0.0% |
| NJ LENDERS CORP. | $505,000 | n/a | 0.0% | |
| STEARNS LENDING, LLC | $1,140,000 | $485,000 | -57.5% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $475,000 | n/a | 0.0% | |
| MSA MORTGAGE, LLC | $475,000 | n/a | 0.0% | |
| First Savings Bank | $505,000 | $465,000 | -7.9% | 0.0% |
| NORTHEAST HOME LOAN, LLC | $910,000 | $465,000 | -48.9% | 0.0% |
| Chain Bridge Bank | $455,000 | n/a | 0.0% | |
| InterContinental Capital Group, Inc | $455,000 | n/a | 0.0% | |
| RTN FEDERAL CREDIT UNION | $455,000 | n/a | 0.0% | |
| QUINCY CREDIT UNION | $445,000 | n/a | 0.0% | |
| Paramount Bank | $415,000 | n/a | 0.0% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $415,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $735,000 | $405,000 | -44.9% | 0.0% |
| CONTOUR MORTGAGE CORPORATION | $405,000 | n/a | 0.0% | |
| FINANCE OF AMERICA COMMERCIAL LLC | $395,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $395,000 | n/a | 0.0% | |
| TIAA, FSB | $1,460,000 | $395,000 | -72.9% | 0.0% |
| PARTNERSHIP FINANCIAL | $375,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $405,000 | $365,000 | -9.9% | 0.0% |
| Ixonia Bank | $355,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $355,000 | n/a | 0.0% | |
| Ameris Bank | $1,745,000 | $345,000 | -80.2% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $1,065,000 | $345,000 | -67.6% | 0.0% |
| Luxury Mortgage Corp. | $2,005,000 | $335,000 | -83.3% | 0.0% |
| First Guaranty Mortgage Corporation | $930,000 | $325,000 | -65.1% | 0.0% |
| LADERA LENDING, INC. | $465,000 | $315,000 | -32.3% | 0.0% |
| Union Savings Bank | $315,000 | n/a | 0.0% | |
| LEOMINSTER CREDIT UNION | $305,000 | n/a | 0.0% | |
| Arvest Bank | $265,000 | n/a | 0.0% | |
| NBKC BANK | $265,000 | n/a | 0.0% | |
| Winter Hill Bank, FSB | $225,000 | n/a | 0.0% | |
| 360 Federal Credit Union | $165,000 | n/a | 0.0% | |
| BAYCOAST MORTGAGE COMPANY, LLC | $2,545,000 | $155,000 | -93.9% | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | $105,000 | n/a | 0.0% |
Vineyard Haven's top lender by overall market share is Martha's Vineyard Savings Bank, with 18.7% market share. In second place, with 12.8%, is The Cape Cod Five Cents Savings Bank, having originated $181,715,000 in loans. In third place, with 6.0%, is JPMorgan Chase Bank, having originated $85,900,000 in loans. In fourth place, with 5.3%, is First Republic Bank, having originated $74,730,000 in loans. In fifth place, with 4.6%, is Wells Fargo Bank, having originated $64,980,000 in loans.
Vineyard Haven Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Vineyard Haven (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 | $1,290,750 (-0.7%) | $2,004,288 (-12.7%) | 0.00 | 134 |
| 2018-02-01 | $1,246,250 (-8.5%) | $1,968,505 (-15.5%) | 0.00 | 130 |
| 2018-03-01 | $1,250,000 (-7.4%) | $2,012,418 (-10.4%) | 0.00 | 140 |
| 2018-04-01 | $1,265,000 (-10.4%) | $2,126,835 (-6.6%) | 0.00 | 156 |
| 2018-05-01 | $1,466,000 (-3.7%) | $2,337,929 (-1.4%) | 0.00 | 181 |
| 2018-06-01 | $1,495,000 (2.5%) | $2,367,540 (2.3%) | 0.00 | 212 |
| 2018-07-01 | $1,491,250 (6.8%) | $2,496,788 (19.2%) | 0.00 | 214 |
| 2018-08-01 | $1,498,250 (7.2%) | $2,519,893 (16.5%) | 0.00 | 223 |
| 2018-09-01 | $1,500,000 (5.3%) | $2,414,543 (5.5%) | 0.00 | 217 |
| 2018-10-01 | $1,497,500 (7.5%) | $2,415,051 (8.4%) | 0.00 | 215 |
| 2018-11-01 | $1,398,000 (2.1%) | $2,415,074 (10.6%) | 0.00 | 223 |
| 2018-12-01 | $1,495,000 (7.2%) | $2,466,905 (13.1%) | 0.00 | 203 |
| 2019-01-01 | $1,495,000 (15.8%) | $2,501,216 (24.8%) | 0.00 | 159 |
| 2019-02-01 | $1,395,000 (11.9%) | $2,482,304 (26.1%) | 0.00 | 163 |
| 2019-03-01 | $1,438,714 (15.1%) | $2,550,065 (26.7%) | 0.00 | 169 |
| 2019-04-01 | $1,489,714 (17.8%) | $2,521,501 (18.6%) | 0.00 | 176 |
| 2019-05-01 | $1,498,225 (2.2%) | $2,343,736 (0.3%) | 0.00 | 205 |
| 2019-06-01 | $1,550,000 (3.7%) | $2,448,402 (3.4%) | 0.00 | 233 |
| 2019-07-01 | $1,657,500 (11.2%) | $2,692,969 (7.9%) | 0.00 | 241 |
| 2019-08-01 | $1,661,773 (10.9%) | $2,691,940 (6.8%) | 0.00 | 248 |
| 2019-09-01 | $1,605,932 (7.1%) | $2,601,177 (7.7%) | 0.00 | 246 |
| 2019-10-01 | $1,531,250 (2.3%) | $2,524,176 (4.5%) | 0.00 | 242 |
| 2019-11-01 | $1,499,000 (7.2%) | $2,471,857 (2.4%) | 0.00 | 212 |
| 2019-12-01 | $1,499,250 (0.3%) | $2,532,525 (2.7%) | 0.00 | 199 |
| 2020-01-01 | $1,499,000 (0.3%) | $2,435,704 (-2.6%) | 0.00 | 142 |
| 2020-02-01 | $1,500,000 (7.5%) | $2,275,718 (-8.3%) | 0.00 | 125 |
| 2020-03-01 | $1,397,500 (-2.9%) | $2,231,057 (-12.5%) | 0.00 | 139 |
| 2020-04-01 | $1,560,000 (4.7%) | $2,322,058 (-7.9%) | 0.00 | 149 |
| 2020-05-01 | $1,400,000 (-6.6%) | $2,216,019 (-5.5%) | 0.00 | 162 |
| 2020-06-01 | $1,425,000 (-8.1%) | $2,515,969 (2.8%) | 0.00 | 180 |
| 2020-07-01 | $1,474,500 (-11.0%) | $2,747,547 (2.0%) | 0.00 | 178 |
| 2020-08-01 | $1,695,000 (2.0%) | $3,274,247 (21.6%) | 0.00 | 278 |
| 2020-09-01 | $1,773,750 (10.5%) | $3,302,149 (27.0%) | 0.00 | 267 |
| 2020-10-01 | $1,812,500 (18.4%) | $3,336,230 (32.2%) | 0.00 | 252 |
| 2020-11-01 | $1,837,500 (22.6%) | $3,359,835 (35.9%) | 0.00 | 218 |
| 2020-12-01 | $2,226,500 (48.5%) | $3,707,590 (46.4%) | 0.00 | 182 |
| 2021-01-01 | $2,172,500 (44.9%) | $3,612,139 (48.3%) | 0.00 | 150 |
| 2021-02-01 | $2,203,500 (46.9%) | $3,804,575 (67.2%) | 0.00 | 127 |
| 2021-03-01 | $2,598,750 (86.0%) | $4,245,147 (90.3%) | 0.00 | 106 |
| 2021-04-01 | $2,522,500 (61.7%) | $4,362,831 (87.9%) | 0.00 | 110 |
| 2021-05-01 | $2,297,000 (64.1%) | $4,053,684 (82.9%) | 0.00 | 116 |
| 2021-06-01 | $2,295,000 (61.1%) | $3,994,093 (58.8%) | 0.00 | 122 |
| 2021-07-01 | $2,950,000 (100.1%) | $4,381,786 (59.5%) | 0.00 | 121 |
| 2021-08-01 | $2,700,000 (59.3%) | $4,011,992 (22.5%) | 0.00 | 137 |
| 2021-09-01 | $2,997,500 (69.0%) | $4,126,977 (25.0%) | 0.00 | 129 |
| 2021-10-01 | $2,972,500 (64.0%) | $4,131,698 (23.8%) | 0.00 | 131 |
| 2021-11-01 | $2,586,250 (40.8%) | $3,902,412 (16.2%) | 0.00 | 116 |
| 2021-12-01 | $2,572,500 (15.5%) | $3,988,041 (7.6%) | 0.00 | 97 |
| 2022-01-01 | $2,985,000 (37.4%) | $4,145,088 (14.8%) | 0.00 | 90 |
| 2022-02-01 | $3,196,250 (45.1%) | $4,526,055 (19.0%) | 0.00 | 83 |
| 2022-03-01 | $2,880,375 (10.8%) | $3,990,342 (-6.0%) | 0.00 | 83 |
| 2022-04-01 | $2,962,500 (17.4%) | $4,024,178 (-7.8%) | 0.00 | 93 |
| 2022-05-01 | $2,968,750 (29.2%) | $4,412,902 (8.9%) | 0.00 | 113 |
| 2022-06-01 | $2,986,250 (30.1%) | $4,545,206 (13.8%) | 0.00 | 133 |
| 2022-07-01 | $2,724,500 (-7.6%) | $4,500,797 (2.7%) | 0.00 | 145 |
| 2022-08-01 | $2,595,000 (-3.9%) | $4,342,632 (8.2%) | 0.00 | 158 |
| 2022-09-01 | $2,566,250 (-14.4%) | $4,416,587 (7.0%) | 0.00 | 152 |
| 2022-10-01 | $2,599,000 (-12.6%) | $4,451,459 (7.7%) | 0.00 | 147 |
| 2022-11-01 | $2,500,000 (-3.3%) | $4,200,935 (7.7%) | 0.00 | 150 |
| 2022-12-01 | $2,549,500 (-0.9%) | $4,322,548 (8.4%) | 0.00 | 139 |
| 2023-01-01 | $2,496,250 (-16.4%) | $4,025,680 (-2.9%) | 0.00 | 113 |
| 2023-02-01 | $2,481,000 (-22.4%) | $3,796,455 (-16.1%) | 0.00 | 105 |
Vineyard Haven's median listing price comes in at 0% of the national average.
Vineyard Haven's average listing price for 2023-02-01 was $3,796,455, a difference of $-729,600 (-16.1%) versus the prior year and $-229,225 versus the prior month.
For the 2023-02-01 period, Vineyard Haven had 105 MLS listings, a difference of -8 listings (-7%) versus the prior month and 22 listings (27%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Vineyard Haven (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,022 sqft |
| 2018-02-01 | 0 days | 1,990 sqft |
| 2018-03-01 | 0 days | 2,081 sqft |
| 2018-04-01 | 0 days | 2,086 sqft |
| 2018-05-01 | 0 days | 2,251 sqft |
| 2018-06-01 | 0 days | 2,151 sqft |
| 2018-07-01 | 0 days | 2,100 sqft |
| 2018-08-01 | 0 days | 2,209 sqft |
| 2018-09-01 | 0 days | 2,303 sqft |
| 2018-10-01 | 0 days | 2,327 sqft |
| 2018-11-01 | 0 days | 2,262 sqft |
| 2018-12-01 | 0 days | 2,228 sqft |
| 2019-01-01 | 0 days | 2,200 sqft |
| 2019-02-01 | 0 days | 2,207 sqft |
| 2019-03-01 | 0 days | 2,274 sqft |
| 2019-04-01 | 0 days | 2,344 sqft |
| 2019-05-01 | 0 days | 2,323 sqft |
| 2019-06-01 | 0 days | 2,368 sqft |
| 2019-07-01 | 0 days | 2,408 sqft |
| 2019-08-01 | 0 days | 2,357 sqft |
| 2019-09-01 | 0 days | 2,287 sqft |
| 2019-10-01 | 0 days | 2,212 sqft |
| 2019-11-01 | 0 days | 2,191 sqft |
| 2019-12-01 | 0 days | 2,233 sqft |
| 2020-01-01 | 0 days | 2,145 sqft |
| 2020-02-01 | 0 days | 2,100 sqft |
| 2020-03-01 | 0 days | 2,036 sqft |
| 2020-04-01 | 0 days | 2,063 sqft |
| 2020-05-01 | 0 days | 2,100 sqft |
| 2020-06-01 | 0 days | 2,100 sqft |
| 2020-07-01 | 0 days | 2,176 sqft |
| 2020-08-01 | 0 days | 2,337 sqft |
| 2020-09-01 | 0 days | 2,358 sqft |
| 2020-10-01 | 0 days | 2,422 sqft |
| 2020-11-01 | 0 days | 2,441 sqft |
| 2020-12-01 | 0 days | 2,676 sqft |
| 2021-01-01 | 0 days | 2,676 sqft |
| 2021-02-01 | 0 days | 2,629 sqft |
| 2021-03-01 | 0 days | 2,909 sqft |
| 2021-04-01 | 0 days | 3,030 sqft |
| 2021-05-01 | 0 days | 2,906 sqft |
| 2021-06-01 | 0 days | 2,463 sqft |
| 2021-07-01 | 0 days | 2,719 sqft |
| 2021-08-01 | 0 days | 2,639 sqft |
| 2021-09-01 | 0 days | 2,616 sqft |
| 2021-10-01 | 0 days | 2,470 sqft |
| 2021-11-01 | 0 days | 2,344 sqft |
| 2021-12-01 | 0 days | 2,479 sqft |
| 2022-01-01 | 0 days | 2,648 sqft |
| 2022-02-01 | 0 days | 2,691 sqft |
| 2022-03-01 | 0 days | 2,420 sqft |
| 2022-04-01 | 0 days | 2,451 sqft |
| 2022-05-01 | 0 days | 2,458 sqft |
| 2022-06-01 | 0 days | 2,549 sqft |
| 2022-07-01 | 0 days | 2,485 sqft |
| 2022-08-01 | 0 days | 2,447 sqft |
| 2022-09-01 | 0 days | 2,481 sqft |
| 2022-10-01 | 0 days | 2,486 sqft |
| 2022-11-01 | 0 days | 2,469 sqft |
| 2022-12-01 | 0 days | 2,468 sqft |
| 2023-01-01 | 0 days | 2,434 sqft |
| 2023-02-01 | 0 days | 2,400 sqft |
Vineyard Haven's median square footage for active listings during the 2023-02-01 period was 2,400 sqft. One year prior, the average listing was 2,691 sqft.
Vineyard Haven, MA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 800 | $521,590,000 | $651,988 |
| Home Purchase | 429 | $518,165,000 | $1,207,844 |
| Cash Out Refi | 349 | $221,145,000 | $633,653 |
| Home Improvement | 94 | $33,590,000 | $357,340 |
| Other | 90 | $127,710,000 | $1,419,000 |
Vineyard Haven's most frequently cited loan purpose was Refi, with 800 originations. The 2nd most popular reason was Home Purchase, with 429 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 663 | $567,675,000 | $856,222 |
| 3-4% | 429 | $306,175,000 | $713,695 |
| <2.5% | 238 | $246,710,000 | $1,036,597 |
| 4-5% | 36 | $13,670,000 | $379,722 |
| 5-6% | 10 | $8,050,000 | $805,000 |
| 7-8% | 3 | $1,225,000 | $408,333 |
| 6-7% | 1 | $395,000 | $395,000 |
| Over 8% | 1 | $715,000 | $715,000 |
During 2021, Vineyard Haven's most frequently originated rate bucket was 2.5-3%, with 663 originations.
Loan Sizing (Vineyard Haven, MA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $400k-600k | 450 | $222,050,000 | $493,444 |
| $600k-1000k | 416 | $313,140,000 | $752,740 |
| $200k-400k | 399 | $122,855,000 | $307,907 |
| $Over $1MM | 358 | $746,980,000 | $2,086,536 |
| $100k-200k | 105 | $14,935,000 | $142,238 |
| $100,000 or less | 34 | $2,240,000 | $65,882 |
Vineyard Haven's loan sizing saw the bucket of loans from $400k-600k with 450 originations, totaling $222,050,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 424 | $497,530,000 | $1,173,420 |
| 40-60% | 375 | $309,525,000 | $825,400 |
| 20-40% | 313 | $172,815,000 | $552,125 |
| 80-100% | 129 | $128,745,000 | $998,023 |
| Under 20% | 129 | $30,135,000 | $233,605 |
| Over 100% | 2 | $1,490,000 | $745,000 |
Vineyard Haven's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 424 originations, totaling $497,530,000 in origination value.