Vineyard Haven Mortgage Rates

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

30 Year Fixed Rate mortgages in Vineyard Haven averaged 5.83% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 5.84% and one month ago for the week of 2022-05-26, the average rate was 5.03%.

Vineyard Haven's average rate one year ago was 3.27%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.86%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Vineyard Haven 30 Year Fixed Rate 2022-06-30 5.83%
Vineyard Haven 30 Year Fixed Rate Refi 2022-06-30 5.86%
Vineyard Haven 15 Year Fixed Rate 2022-06-30 4.75%
Vineyard Haven 15 Year Fixed Rate Refi 2022-06-30 5.03%
Vineyard Haven 30 Year FHA 2022-06-30 5.81%
Vineyard Haven 30 Year FHA Refi 2022-06-30 6.03%
Vineyard Haven 30 Year VA 2022-06-30 3.16%
Vineyard Haven 30 Year VA Refi 2022-06-30 5.4%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Vineyard Haven, MA.

Vineyard Haven Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
The Cape Cod Five Cents Savings Bank 220 3.11% $4,193
QUICKEN LOANS, LLC 65 2.94% $5,862
Santander Bank, N.A. 52 2.93% $4,328
Wells Fargo Bank 46 2.69% $6,409
ALLIED MORTGAGE GROUP, INC. 37 3.11% $4,543
First Republic Bank 31 2.79% $13,854
JPMorgan Chase Bank 30 2.74% $7,649
Bank of America 27 2.60% $5,072
Morgan Stanley Private Bank 24 2.69% $5,409
LOANDEPOT.COM, LLC 19 2.89% $5,381
Citibank 18 3.01% $9,318
UNITED WHOLESALE MORTGAGE, LLC 17 3.09% $9,040
AMERISAVE MORTGAGE CORPORATION 14 2.75% $4,062
CROSSCOUNTRY MORTGAGE, LLC 12 3.18% $5,266
TD Bank 11 3.01% $4,600
U.S. Bank 11 2.73% $5,271
Rockland Trust Company 11 3.03% $5,681
GUARANTEED RATE, INC. 11 3.07% $6,252
Citizens Bank 10 2.94% $7,519
Mortgage Network, Inc. 9 3.01% $5,600
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 8 2.97% $3,167
Leader Bank 8 2.80% $4,807
HOMEBRIDGE FINANCIAL SERVICES, INC. 8 3.00% $4,963
Goldman Sachs Bank USA 8 2.66% $12,903
WASHINGTON TRUST MORTGAGE COMPANY LLC 7 2.75% $4,795
UBS Bank USA 7 2.98% $8,660
HARBORONE MORTGAGE, LLC 7 2.89% $5,890
HOME POINT FINANCIAL CORPORATION 7 2.96% $4,328
Charles Schwab Bank, SSB 6 2.12% $3,331
Eastern Bank 6 2.98% $5,088
NEW FED MORTGAGE, CORP. 6 2.87% $3,035
PRIMELENDING, A PLAINSCAPITAL COMPANY 5 3.00% $5,791
Institution for Savings in Newburyport and Its Vicinity 5 2.85% $9,093
Boston Private Bank & Trust Company 4 2.66% $12,264
KeyBank 4 2.66% $4,474
BNY Mellon 4 2.53% $13,596
PENNYMAC LOAN SERVICES, LLC 4 3.16% $10,803
Cambridge Trust Company 4 2.84% $4,506
SALEM FIVE MORTGAGE COMPANY, LLC 4 2.87% $4,536
First National Bank of America 4 7.55% $17,655
RESIDENTIAL MORTGAGE SERVICES, INC. 3 3.33% $11,561
RADIUS FINANCIAL GROUP INC. 3 2.88% $2,929
Envision Bank 3 2.83% $3,219
EMM LOANS LLC 3 3.08% $4,087
EMBRACE HOME LOANS, INC. 3 2.71% $4,094
GUARANTY HOME MORTGAGE CORPORATION 3 2.88% $3,328
Quontic Bank 3 5.21% $24,491
DRAPER AND KRAMER MORTGAGE CORP. 3 3.04% $6,462
City National Bank 3 3.09% $6,335
Webster Bank 3 2.67% $7,690
Bridgewater Savings Bank 3 2.87% $3,798
Mr. Cooper ( Nationstar Mortgage ) 3 3.50% $5,373
LENDSURE MORTGAGE CORP. 2 3.93% $27,391
AMERICAN EAGLE FINANCIAL CREDIT UNION 2 2.81% $6,054
Bangor Savings Bank 2 2.94% $5,956
Beeline Loans, Inc. 2 2.56% $3,247
Cape Cod Co-operative Bank 2 2.88% $2,934
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 2 2.88% $4,951
DIGITAL Federal Credit Union 2 2.69% $4,245
FirstBank 2 2.81% $3,925
First Federal Bank 2 3.31% $19,365
Flagstar Bank, FSB 2 3.19% $3,714
FREEDOM MORTGAGE CORPORATION 2 3.00% $5,144
Needham Bank 2 3.63% $4,105
North Easton Savings Bank 2 2.88% $3,362
OCMBC, INC. 2 3.31% $17,761
People's United Bank 2 3.00% $3,533
PNC Bank 2 2.88% $5,163
Poli Mortgage Group, Inc. 2 3.00% $5,567
Sierra Pacific Mortgage Company, Inc. 2 3.19% $6,738
Stifel Bank and Trust 2 2.69% $3,683
UniBank for Savings 2 3.00% $6,700
LADERA LENDING, INC. 1 2.75% $3,270
NFM, INC. 1 3.50% $10,774
NORTHEAST HOME LOAN, LLC 1 2.75% $3,138
Barrington Bank & Trust Company, N.A. 1 3.13% $3,910
Northpointe Bank 1 4.25% $19,346
NORTHPOINT MORTGAGE, INC. 1 3.50% $3,923
Arvest Bank 1 3.00% $7,851
Paramount Bank 1 3.25% $4,552
Paramount Residential Mortgage Group, Inc. 1 3.13% $18,829
INLAND BANK & TRUST 1 2.88% $4,612
Watermark Capital, Inc. 1 2.63% $3,230
ARC HOME LLC 1 3.45% $46,750
Ameris Bank 1 2.99% $2,952
HOMESIDE FINANCIAL, LLC 1 3.75% $7,898
Home Loan Investment Bank, F.S.B. 1 3.63% $7,049
QUINCY CREDIT UNION 1 2.38% $12,029
HANSCOM 1 3.25% $3,457
Florence Bank 1 2.88% $12,596
Raymond James Bank 1 2.75% $3,735
First Savings Bank 1 2.75% $3,900
Fall River Five Cents Savings Bank 1 2.88% $2,754
CONTOUR MORTGAGE CORPORATION 1 3.50% $10,395
CMG MORTGAGE, INC. 1 2.99% $4,473
ServisFirst Bank 1 3.75% $15,797
Sharon & Crescent United Credit Union 1 2.75% $5,281
WILLIAM RAVEIS MORTGAGE, LLC 1 2.75% $13,171
Silicon Valley Bank 1 2.50% $2,490
Wilmington Savings Fund Society, FSB 1 2.63% $7,595
Cf Bank 1 2.63% $1,685
Cambridge Savings Bank 1 3.13% $5,182
The Federal Savings Bank 1 3.25% $11,463
The Northern Trust Company 1 2.25% $62,159
Truist Bank 1 2.88% $4,019
CALIBER HOME LOANS, INC. 1 3.38% $5,270
UMASSFIVE COLLEGE Federal Credit Union 1 3.25% $10,402
ZILLOW HOME LOANS, LLC 1 3.13% $2,177
Union Savings Bank 1 2.88% $3,629
MEMBERS MORTGAGE COMPANY, INC. 1 2.88% $4,861
METRO 1 2.88% $6,623
Middlesex Savings Bank 1 3.00% $4,844
Main Street Bank 1 2.88% $2,981
Luxury Mortgage Corp. 1 4.13% $5,138
MOVEMENT MORTGAGE, LLC 1 3.19% $4,254
LAKEVIEW LOAN SERVICING, LLC 1 2.75% $8,535
NAVY FEDERAL CREDIT UNION 1 2.38% $6,061
BAY EQUITY LLC 1 2.75% $3,719

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.

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 Lender 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 third place, with 5.3%, is First Republic Bank, having originated $74,730,000 in loans. In third place, with 4.6%, is Wells Fargo Bank, having originated $64,980,000 in loans.


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.


Market Conditions (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 $1,347,000 (3.7%) $2,048,331 (-9.7%) 0.00 143
2018-02-01 $1,269,000 (-7.7%) $2,001,225 (-13.4%) 0.00 141
2018-03-01 $1,270,000 (-7.6%) $2,054,583 (-8.4%) 0.00 151
2018-04-01 $1,322,500 (-7.2%) $2,163,938 (-4.7%) 0.00 167
2018-05-01 $1,495,000 (-4.8%) $2,335,581 (-2.8%) 0.00 201
2018-06-01 $1,495,000 (0.0%) $2,359,828 (1.2%) 0.00 232
2018-07-01 $1,495,000 (6.9%) $2,464,123 (16.3%) 0.00 241
2018-08-01 $1,499,500 (3.4%) $2,485,586 (13.1%) 0.00 249
2018-09-01 $1,500,000 (0.3%) $2,360,267 (2.7%) 0.00 244
2018-10-01 $1,497,500 (1.9%) $2,396,744 (6.3%) 0.00 239
2018-11-01 $1,412,000 (-0.9%) $2,403,966 (8.9%) 0.00 247
2018-12-01 $1,500,000 (0.3%) $2,434,818 (10.6%) 0.00 224
2019-01-01 $1,545,000 (14.7%) $2,485,397 (21.3%) 0.00 176
2019-02-01 $1,395,000 (9.9%) $2,459,783 (22.9%) 0.00 184
2019-03-01 $1,437,857 (13.2%) $2,491,474 (21.3%) 0.00 192
2019-04-01 $1,495,000 (13.0%) $2,411,463 (11.4%) 0.00 204
2019-05-01 $1,497,500 (0.2%) $2,279,527 (-2.4%) 0.00 244
2019-06-01 $1,615,000 (8.0%) $2,368,454 (0.4%) 0.00 270
2019-07-01 $1,700,000 (13.7%) $2,655,572 (7.8%) 0.00 275
2019-08-01 $1,755,000 (17.0%) $2,649,629 (6.6%) 0.00 287
2019-09-01 $1,695,000 (13.0%) $2,576,019 (9.1%) 0.00 289
2019-10-01 $1,597,500 (6.7%) $2,523,691 (5.3%) 0.00 281
2019-11-01 $1,550,000 (9.8%) $2,481,318 (3.2%) 0.00 247
2019-12-01 $1,585,000 (5.7%) $2,541,515 (4.4%) 0.00 231
2020-01-01 $1,500,000 (-2.9%) $2,419,306 (-2.7%) 0.00 158
2020-02-01 $1,595,000 (14.3%) $2,307,963 (-6.2%) 0.00 139
2020-03-01 $1,500,000 (4.3%) $2,310,641 (-7.3%) 0.00 159
2020-04-01 $1,656,000 (10.8%) $2,361,170 (-2.1%) 0.00 167
2020-05-01 $1,595,000 (6.5%) $2,327,978 (2.1%) 0.00 177
2020-06-01 $1,485,000 (-8.1%) $2,548,252 (7.6%) 0.00 203
2020-07-01 $1,500,000 (-11.8%) $2,781,664 (4.8%) 0.00 202
2020-08-01 $1,600,000 (-8.8%) $3,093,571 (16.8%) 0.00 411
2020-09-01 $1,850,000 (9.1%) $3,289,856 (27.7%) 0.00 376
2020-10-01 $1,895,000 (18.6%) $3,348,462 (32.7%) 0.00 359
2020-11-01 $1,887,500 (21.8%) $3,289,001 (32.6%) 0.00 318
2020-12-01 $2,295,000 (44.8%) $3,503,099 (37.8%) 0.00 264
2021-01-01 $2,275,000 (51.7%) $3,425,019 (41.6%) 0.00 220
2021-02-01 $2,212,000 (38.7%) $3,592,040 (55.6%) 0.00 181
2021-03-01 $2,450,000 (63.3%) $4,011,466 (73.6%) 0.00 149
2021-04-01 $2,350,000 (41.9%) $4,168,954 (76.6%) 0.00 146
2021-05-01 $2,200,000 (37.9%) $3,768,268 (61.9%) 0.00 156
2021-06-01 $2,175,000 (46.5%) $3,889,006 (52.6%) 0.00 163
2021-07-01 $2,625,000 (75.0%) $4,404,560 (58.3%) 0.00 167
2021-08-01 $2,515,000 (57.2%) $3,936,644 (27.3%) 0.00 190
2021-09-01 $2,822,500 (52.6%) $4,081,635 (24.1%) 0.00 179
2021-10-01 $2,850,079 (50.4%) $4,112,103 (22.8%) 0.00 177
2021-11-01 $2,570,000 (36.2%) $3,940,980 (19.8%) 0.00 156
2021-12-01 $2,650,000 (15.5%) $4,116,001 (17.5%) 0.00 135
2022-01-01 $2,995,000 (31.7%) $4,308,378 (25.8%) 0.00 119
2022-02-01 $3,000,000 (35.6%) $4,542,395 (26.5%) 0.00 111
2022-03-01 $2,995,000 (22.2%) $4,315,474 (7.6%) 0.00 117
2022-04-01 $3,000,000 (27.7%) $4,357,643 (4.5%) 0.00 128
2022-05-01 $3,097,500 (40.8%) $4,442,521 (17.9%) 0.00 159
2022-06-01 $3,094,500 (42.3%) $4,550,978 (17.0%) 0.00 186
Vineyard Haven's median listing price for 2022-06-01 was $3,094,500, a difference of $919,500 (42.3%) versus the prior year and $-3,000 versus the prior month.

Vineyard Haven's median listing price comes in at 0% of the national average.

Vineyard Haven's average listing price for 2022-06-01 was $4,550,978, a difference of $661,972 (17.0%) versus the prior year and $108,457 versus the prior month.

For the 2022-06-01 period, Vineyard Haven had 186 MLS listings, a difference of 27 listings (17%) versus the prior month and 23 listings (14%) 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 2,075 sqft
2018-02-01 0 days 2,025 sqft
2018-03-01 0 days 2,131 sqft
2018-04-01 0 days 2,091 sqft
2018-05-01 0 days 2,287 sqft
2018-06-01 0 days 2,260 sqft
2018-07-01 0 days 2,101 sqft
2018-08-01 0 days 2,246 sqft
2018-09-01 0 days 2,298 sqft
2018-10-01 0 days 2,327 sqft
2018-11-01 0 days 2,268 sqft
2018-12-01 0 days 2,268 sqft
2019-01-01 0 days 2,260 sqft
2019-02-01 0 days 2,244 sqft
2019-03-01 0 days 2,280 sqft
2019-04-01 0 days 2,324 sqft
2019-05-01 0 days 2,264 sqft
2019-06-01 0 days 2,328 sqft
2019-07-01 0 days 2,401 sqft
2019-08-01 0 days 2,390 sqft
2019-09-01 0 days 2,371 sqft
2019-10-01 0 days 2,283 sqft
2019-11-01 0 days 2,258 sqft
2019-12-01 0 days 2,328 sqft
2020-01-01 0 days 2,178 sqft
2020-02-01 0 days 2,140 sqft
2020-03-01 0 days 2,072 sqft
2020-04-01 0 days 2,100 sqft
2020-05-01 0 days 2,191 sqft
2020-06-01 0 days 2,120 sqft
2020-07-01 0 days 2,221 sqft
2020-08-01 0 days 2,372 sqft
2020-09-01 0 days 2,404 sqft
2020-10-01 0 days 2,446 sqft
2020-11-01 0 days 2,421 sqft
2020-12-01 0 days 2,676 sqft
2021-01-01 0 days 2,676 sqft
2021-02-01 0 days 2,557 sqft
2021-03-01 0 days 2,748 sqft
2021-04-01 0 days 2,937 sqft
2021-05-01 0 days 2,700 sqft
2021-06-01 0 days 2,427 sqft
2021-07-01 0 days 2,639 sqft
2021-08-01 0 days 2,431 sqft
2021-09-01 0 days 2,495 sqft
2021-10-01 0 days 2,426 sqft
2021-11-01 0 days 2,312 sqft
2021-12-01 0 days 2,513 sqft
2022-01-01 0 days 2,648 sqft
2022-02-01 0 days 2,579 sqft
2022-03-01 0 days 2,436 sqft
2022-04-01 0 days 2,605 sqft
2022-05-01 0 days 2,472 sqft
2022-06-01 0 days 2,619 sqft
Vineyard Haven's median listing age (time on market) for 2022-06-01 was 0 days.

Vineyard Haven's median square footage for active listings during the 2022-06-01 period was 2,619 sqft. One year prior, the average listing was 2,427 sqft.