WATERTOWN - FORT DRUM Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Watertown - Fort Drum averaged
6.63%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.54% and
one month ago for the week of 2025-02-27, the
average rate was 6.75%.
Watertown - Fort Drum's average rate one year ago was 6.78%.
For refis of the same type during the week of 2025-04-03, the average rate
was 6.84%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Watertown - Fort Drum 30 Year Fixed Rate | 2025-04-03 | 6.63% |
| Watertown - Fort Drum 30 Year Fixed Rate Refi | 2025-04-03 | 6.84% |
| Watertown - Fort Drum 15 Year Fixed Rate | 2025-04-03 | 5.82% |
| Watertown - Fort Drum 15 Year Fixed Rate Refi | 2025-04-03 | 6.32% |
| Watertown - Fort Drum 30 Year FHA | 2025-04-03 | 6.03% |
| Watertown - Fort Drum 30 Year FHA Refi | 2025-04-03 | 6.06% |
| Watertown - Fort Drum 30 Year USDA | 2025-04-03 | 6.42% |
| Watertown - Fort Drum 30 Year USDA Refi | 2025-04-03 | 6.32% |
| Watertown - Fort Drum 30 Year VA | 2025-04-03 | 6.44% |
| Watertown - Fort Drum 30 Year VA Refi | 2025-04-03 | 6.06% |
WATERTOWN - FORT DRUM 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 WATERTOWN-FORT DRUM, 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.).
WATERTOWN - FORT DRUM Average Closing Costs & Other Stats
WATERTOWN-FORT DRUM, NY's 48 lenders originated 1,793
loans during 2024. The total origination value was $312,335,000, with an average loan value of
$174,197.
WATERTOWN - FORT DRUM's average closing costs are $4,949.
The top WATERTOWN - FORT DRUM lender as defined by loan originations is Watertown Savings Bank, with
85 loans originated. Their average total fees are
$2,964, which is $2,488
lower than the next largest lender,
MOVEMENT MORTGAGE, LLC.
The lowest fee WATERTOWN - FORT DRUM lenders (with over 10 loans originated) are
Community Bank ($1,328), Gouverneur Savings and Loan Association ($1,534), Watertown Savings Bank ($2,964), AMERICU Credit Union ($3,968) and Farm Credit East, ACA ($4,669).
The lowest rate WATERTOWN - FORT DRUM lenders (with over 10 loans originated) are
Watertown Savings Bank (6.20%), AMERICU Credit Union (6.35%), HOMESTEAD FUNDING CORP. (6.53%), Gouverneur Savings and Loan Association (6.63%) and MOVEMENT MORTGAGE, LLC (6.64%).
WATERTOWN-FORT DRUM, NY Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| MOVEMENT MORTGAGE, LLC | $40,685,000 | $52,125,000 | 28.1% | 16.7% |
| Watertown Savings Bank | $28,905,000 | $30,635,000 | 6.0% | 9.8% |
| NORTHERN CREDIT UNION | $21,185,000 | $24,170,000 | 14.1% | 7.7% |
| AMERICU Credit Union | $20,145,000 | $22,440,000 | 11.4% | 7.2% |
| Community Bank | $39,420,000 | $21,710,000 | -44.9% | 7.0% |
| HOMESTEAD FUNDING CORP. | $18,765,000 | $18,550,000 | -1.1% | 5.9% |
| Carthage Federal Savings and Loan Association | $15,475,000 | $17,815,000 | 15.1% | 5.7% |
| Mortgage Research Center, LLC | $19,775,000 | $15,485,000 | -21.7% | 5.0% |
| QUICKEN LOANS, LLC | $13,095,000 | $14,635,000 | 11.8% | 4.7% |
| PLAZA HOME MORTGAGE, INC. | $10,560,000 | $10,035,000 | -5.0% | 3.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $7,405,000 | $7,650,000 | 3.3% | 2.4% |
| NAVY FEDERAL CREDIT UNION | $9,740,000 | $7,635,000 | -21.6% | 2.4% |
| Genesee Regional Bank | $5,735,000 | $7,445,000 | 29.8% | 2.4% |
| Gouverneur Savings and Loan Association | $6,935,000 | $5,195,000 | -25.1% | 1.7% |
| KeyBank | $3,560,000 | $4,670,000 | 31.2% | 1.5% |
| USAA Federal Savings Bank | $3,665,000 | $3,775,000 | 3.0% | 1.2% |
| Farm Credit East, ACA | $1,385,000 | $2,795,000 | 101.8% | 0.9% |
| NBT Bank | $910,000 | $2,780,000 | 205.5% | 0.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $2,705,000 | $2,215,000 | -18.1% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $835,000 | $1,785,000 | 113.8% | 0.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $510,000 | $1,670,000 | 227.5% | 0.5% |
| Wilmington Savings Fund Society, FSB | $805,000 | $1,505,000 | 87.0% | 0.5% |
| LENDINGHOME FUNDING CORPORATION | $755,000 | $1,465,000 | 94.0% | 0.5% |
| NEWREZ LLC | $1,545,000 | $1,450,000 | -6.1% | 0.5% |
| The Federal Savings Bank | $585,000 | $1,220,000 | 108.5% | 0.4% |
| PLANET HOME LENDING, LLC | $1,205,000 | n/a | 0.4% | |
| Bank of America | $445,000 | $1,175,000 | 164.0% | 0.4% |
| LOANDEPOT.COM, LLC | $1,935,000 | $1,125,000 | -41.9% | 0.4% |
| JPMorgan Chase Bank | $940,000 | $1,115,000 | 18.6% | 0.4% |
| Armed Forces Bank | $1,050,000 | n/a | 0.3% | |
| CONTOUR MORTGAGE CORPORATION | $550,000 | $920,000 | 67.3% | 0.3% |
| PENNYMAC LOAN SERVICES, LLC | $1,115,000 | $915,000 | -17.9% | 0.3% |
| Empower Federal Credit Union | $1,820,000 | $905,000 | -50.3% | 0.3% |
| FREEDOM MORTGAGE CORPORATION | $965,000 | $865,000 | -10.4% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $855,000 | n/a | 0.3% | |
| 21ST MORTGAGE CORPORATION | $820,000 | $830,000 | 1.2% | 0.3% |
| CMG MORTGAGE, INC. | $865,000 | $830,000 | -4.0% | 0.3% |
| Equity Prime Mortgage LLC | $780,000 | n/a | 0.2% | |
| Morgan Stanley Private Bank | $730,000 | n/a | 0.2% | |
| Truist | $720,000 | n/a | 0.2% | |
| 1ST PRIORITY MORTGAGE, INC. | $310,000 | $680,000 | 119.4% | 0.2% |
| FIRST SOURCE | $75,000 | $655,000 | 773.3% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $930,000 | $610,000 | -34.4% | 0.2% |
| Citizens Bank | $315,000 | $590,000 | 87.3% | 0.2% |
| Premium Mortgage Corporation | $365,000 | $575,000 | 57.5% | 0.2% |
| GUARANTEED RATE, INC. | $1,910,000 | $545,000 | -71.5% | 0.2% |
| Carrington Mortgage Services, LLC | $385,000 | $530,000 | 37.7% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $200,000 | $530,000 | 165.0% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $290,000 | $510,000 | 75.9% | 0.2% |
| NBKC BANK | $1,005,000 | $475,000 | -52.7% | 0.2% |
| CARDINAL FINANCIAL | $705,000 | $450,000 | -36.2% | 0.1% |
| HUNT MORTGAGE CORPORATION | $795,000 | $450,000 | -43.4% | 0.1% |
| M&T Bank | $1,310,000 | $385,000 | -70.6% | 0.1% |
| Discover Bank | $65,000 | $365,000 | 461.5% | 0.1% |
| NORWICH COMMERCIAL GROUP, INC. | $355,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $155,000 | $350,000 | 125.8% | 0.1% |
| MORTGAGE ACCESS CORP. | $345,000 | n/a | 0.1% | |
| ADVANCIAL | $335,000 | n/a | 0.1% | |
| First National Bank of Pennsylvania | $325,000 | n/a | 0.1% | |
| Five Star Bank | $325,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $590,000 | $315,000 | -46.6% | 0.1% |
| Tompkins Trust Company | $105,000 | $305,000 | 190.5% | 0.1% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | $285,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $105,000 | $275,000 | 161.9% | 0.1% |
| SEFCU SERVICES, LLC | $1,450,000 | $275,000 | -81.0% | 0.1% |
| Magnolia Bank | $265,000 | n/a | 0.1% | |
| The Huntington National Bank | $95,000 | $265,000 | 178.9% | 0.1% |
| TOTAL MORTGAGE SERVICES, LLC | $265,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $260,000 | n/a | 0.1% | |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | $235,000 | $260,000 | 10.6% | 0.1% |
| First National Bank Texas | $255,000 | n/a | 0.1% | |
| STATE EMPLOYEES FEDERAL CREDIT UNION | $60,000 | $255,000 | 325.0% | 0.1% |
| Charles Schwab Bank, SSB | $245,000 | n/a | 0.1% | |
| ABSOLUTE HOME MORTGAGE CORPORATION | $235,000 | n/a | 0.1% | |
| Brighton Bank | $195,000 | n/a | 0.1% | |
| Allied First Bank,sb | $185,000 | n/a | 0.1% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $185,000 | n/a | 0.1% | |
| TD Bank | $175,000 | n/a | 0.1% | |
| The Canandaigua National Bank and Trust Company | $175,000 | n/a | 0.1% | |
| MID-HUDSON VALLEY | $155,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $145,000 | n/a | 0.0% | |
| Fifth Third Bank | $145,000 | n/a | 0.0% | |
| CNB Bank | $135,000 | n/a | 0.0% | |
| BROKER SOLUTIONS, INC. | $115,000 | n/a | 0.0% | |
| ESL Federal Credit Union | $115,000 | n/a | 0.0% | |
| FAMILY FIRST OF NY | $115,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $95,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $95,000 | n/a | 0.0% | |
| Flagstar Bank, FSB | $495,000 | $85,000 | -82.8% | 0.0% |
| HUDSON HERITAGE | $85,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $70,000 | n/a | 0.0% | |
| Fulton Savings Bank | $65,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $45,000 | n/a | 0.0% | |
| OSWEGO COUNTY | $35,000 | n/a | 0.0% |
WATERTOWN - FORT DRUM's top lender by overall market share is MOVEMENT MORTGAGE, LLC, with 16.7% market share. In second place, with 9.8%, is Watertown Savings Bank, having originated $30,635,000 in loans. In third place, with 7.7%, is NORTHERN CREDIT UNION, having originated $24,170,000 in loans. In fourth place, with 7.2%, is AMERICU Credit Union, having originated $22,440,000 in loans. In fifth place, with 7.0%, is Community Bank, having originated $21,710,000 in loans.
WATERTOWN - FORT DRUM Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - WATERTOWN - FORT DRUM (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 | $146,500 (1.1%) | $217,726 (4.5%) | 0.00 | 710 |
| 2018-02-01 | $147,850 (2.0%) | $213,542 (2.5%) | 0.00 | 693 |
| 2018-03-01 | $149,900 (2.7%) | $219,895 (3.9%) | 0.00 | 701 |
| 2018-04-01 | $152,400 (1.7%) | $222,225 (0.5%) | 0.00 | 718 |
| 2018-05-01 | $163,825 (3.0%) | $225,516 (0.7%) | 0.00 | 799 |
| 2018-06-01 | $168,235 (5.0%) | $223,015 (-0.4%) | 0.00 | 927 |
| 2018-07-01 | $169,800 (6.2%) | $233,747 (2.7%) | 0.00 | 987 |
| 2018-08-01 | $168,900 (8.3%) | $235,883 (4.4%) | 0.00 | 995 |
| 2018-09-01 | $169,900 (9.6%) | $241,448 (6.0%) | 0.00 | 985 |
| 2018-10-01 | $168,350 (8.7%) | $242,016 (5.2%) | 0.00 | 964 |
| 2018-11-01 | $165,000 (6.5%) | $237,195 (-20.0%) | 0.00 | 882 |
| 2018-12-01 | $164,640 (8.7%) | $230,495 (2.4%) | 0.00 | 787 |
| 2019-01-01 | $163,500 (11.6%) | $228,073 (4.8%) | 0.00 | 718 |
| 2019-02-01 | $162,900 (10.2%) | $230,658 (8.0%) | 0.00 | 689 |
| 2019-03-01 | $168,529 (12.4%) | $247,723 (12.7%) | 0.00 | 677 |
| 2019-04-01 | $179,950 (18.1%) | $273,574 (23.1%) | 0.00 | 676 |
| 2019-05-01 | $181,250 (10.6%) | $267,567 (18.7%) | 0.00 | 737 |
| 2019-06-01 | $183,000 (8.8%) | $255,261 (14.5%) | 0.00 | 813 |
| 2019-07-01 | $184,900 (8.9%) | $259,331 (11.0%) | 0.00 | 846 |
| 2019-08-01 | $180,336 (6.8%) | $254,500 (7.9%) | 0.00 | 825 |
| 2019-09-01 | $175,591 (3.4%) | $249,794 (3.5%) | 0.00 | 802 |
| 2019-10-01 | $172,427 (2.4%) | $247,017 (2.1%) | 0.00 | 775 |
| 2019-11-01 | $169,000 (2.4%) | $239,711 (1.1%) | 0.00 | 716 |
| 2019-12-01 | $162,875 (-1.1%) | $225,119 (-2.3%) | 0.00 | 662 |
| 2020-01-01 | $159,900 (-2.2%) | $215,208 (-5.6%) | 0.00 | 587 |
| 2020-02-01 | $164,000 (0.7%) | $221,996 (-3.8%) | 0.00 | 559 |
| 2020-03-01 | $167,450 (-0.6%) | $226,513 (-8.6%) | 0.00 | 547 |
| 2020-04-01 | $175,700 (-2.4%) | $250,879 (-8.3%) | 0.00 | 546 |
| 2020-05-01 | $179,000 (-1.2%) | $263,821 (-1.4%) | 0.00 | 540 |
| 2020-06-01 | $186,950 (2.2%) | $271,657 (6.4%) | 0.00 | 539 |
| 2020-07-01 | $192,450 (4.1%) | $274,801 (6.0%) | 0.00 | 559 |
| 2020-08-01 | $189,000 (4.8%) | $277,807 (9.2%) | 0.00 | 535 |
| 2020-09-01 | $173,500 (-1.2%) | $277,271 (11.0%) | 0.00 | 501 |
| 2020-10-01 | $169,900 (-1.5%) | $278,761 (12.9%) | 0.00 | 468 |
| 2020-11-01 | $169,900 (0.5%) | $272,295 (13.6%) | 0.00 | 413 |
| 2020-12-01 | $168,500 (3.5%) | $268,140 (19.1%) | 0.00 | 367 |
| 2021-01-01 | $160,000 (0.1%) | $233,408 (8.5%) | 0.00 | 297 |
| 2021-02-01 | $167,950 (2.4%) | $234,778 (5.8%) | 0.00 | 248 |
| 2021-03-01 | $172,000 (2.7%) | $250,539 (10.6%) | 0.00 | 212 |
| 2021-04-01 | $182,925 (4.1%) | $268,210 (6.9%) | 0.00 | 205 |
| 2021-05-01 | $199,000 (11.2%) | $283,846 (7.6%) | 0.00 | 233 |
| 2021-06-01 | $192,425 (2.9%) | $274,267 (1.0%) | 0.00 | 294 |
| 2021-07-01 | $189,900 (-1.3%) | $264,882 (-3.6%) | 0.00 | 347 |
| 2021-08-01 | $186,000 (-1.6%) | $273,483 (-1.6%) | 0.00 | 350 |
| 2021-09-01 | $188,975 (8.9%) | $277,452 (0.1%) | 0.00 | 344 |
| 2021-10-01 | $174,450 (2.7%) | $256,188 (-8.1%) | 0.00 | 304 |
| 2021-11-01 | $162,400 (-4.4%) | $254,084 (-6.7%) | 0.00 | 254 |
| 2021-12-01 | $166,875 (-1.0%) | $255,280 (-4.8%) | 0.00 | 222 |
| 2022-01-01 | $159,950 (0.0%) | $241,237 (3.4%) | 0.00 | 181 |
| 2022-02-01 | $165,925 (-1.2%) | $232,632 (-0.9%) | 0.00 | 149 |
| 2022-03-01 | $170,650 (-0.8%) | $241,073 (-3.8%) | 0.00 | 141 |
| 2022-04-01 | $171,000 (-6.5%) | $265,943 (-0.9%) | 0.00 | 131 |
| 2022-05-01 | $203,274 (2.2%) | $275,835 (-2.8%) | 0.00 | 177 |
| 2022-06-01 | $210,000 (9.1%) | $308,300 (12.4%) | 0.00 | 232 |
| 2022-07-01 | $199,000 (4.8%) | $300,400 (13.4%) | 0.00 | 271 |
| 2022-08-01 | $199,000 (7.0%) | $306,442 (12.1%) | 0.00 | 286 |
| 2022-09-01 | $193,625 (2.5%) | $301,151 (8.5%) | 0.00 | 310 |
| 2022-10-01 | $198,900 (14.0%) | $303,450 (18.5%) | 0.00 | 292 |
| 2022-11-01 | $194,830 (20.0%) | $302,090 (18.9%) | 0.00 | 274 |
| 2022-12-01 | $185,000 (10.9%) | $291,566 (14.2%) | 0.00 | 234 |
| 2023-01-01 | $177,000 (10.7%) | $242,423 (0.5%) | 0.00 | 184 |
| 2023-02-01 | $173,700 (4.7%) | $249,481 (7.2%) | 0.00 | 155 |
| 2023-03-01 | $179,800 (5.4%) | $247,515 (2.7%) | 0.00 | 139 |
| 2023-04-01 | $197,000 (15.2%) | $314,598 (18.3%) | 0.00 | 153 |
| 2023-05-01 | $217,450 (7.0%) | $333,852 (21.0%) | 0.00 | 167 |
| 2023-06-01 | $252,475 (20.2%) | $362,904 (17.7%) | 0.00 | 184 |
| 2023-07-01 | $249,450 (25.4%) | $382,300 (27.3%) | 0.00 | 187 |
| 2023-08-01 | $247,300 (24.3%) | $385,042 (25.7%) | 0.00 | 210 |
| 2023-09-01 | $245,000 (26.5%) | $354,466 (17.7%) | 0.00 | 231 |
| 2023-10-01 | $241,500 (21.4%) | $351,910 (16.0%) | 0.00 | 245 |
| 2023-11-01 | $224,475 (15.2%) | $336,547 (11.4%) | 0.00 | 243 |
| 2023-12-01 | $220,000 (18.9%) | $331,943 (13.9%) | 0.00 | 206 |
| 2024-01-01 | $229,500 (29.7%) | $341,400 (40.8%) | 0.00 | 188 |
| 2024-02-01 | $225,450 (29.8%) | $343,015 (37.5%) | 0.00 | 183 |
| 2024-03-01 | $235,000 (30.7%) | $356,652 (44.1%) | 0.00 | 190 |
| 2024-04-01 | $249,175 (26.5%) | $367,536 (16.8%) | 0.00 | 215 |
| 2024-05-01 | $265,000 (21.9%) | $378,244 (13.3%) | 0.00 | 244 |
| 2024-06-01 | $269,900 (6.9%) | $373,341 (2.9%) | 0.00 | 249 |
| 2024-07-01 | $264,500 (6.0%) | $378,295 (-1.1%) | 0.00 | 275 |
| 2024-08-01 | $255,000 (3.1%) | $353,149 (-8.3%) | 0.00 | 307 |
| 2024-09-01 | $257,450 (5.1%) | $359,058 (1.3%) | 0.00 | 320 |
| 2024-10-01 | $254,950 (5.6%) | $356,408 (1.3%) | 0.00 | 315 |
| 2024-11-01 | $252,000 (12.3%) | $347,220 (3.2%) | 0.00 | 314 |
| 2024-12-01 | $249,900 (13.6%) | $336,285 (1.3%) | 0.00 | 291 |
| 2025-01-01 | $244,900 (6.7%) | $315,080 (-7.7%) | 0.00 | 271 |
| 2025-02-01 | $249,250 (10.6%) | $316,883 (-7.6%) | 0.00 | 271 |
| 2025-03-01 | $249,900 (6.3%) | $314,931 (-11.7%) | 0.00 | 219 |
WATERTOWN - FORT DRUM's median listing price comes in at 0% of the national average.
WATERTOWN - FORT DRUM's average listing price for 2025-03-01 was $314,931, a difference of $-41,721 (-11.7%) versus the prior year and $-1,952 versus the prior month.
For the 2025-03-01 period, WATERTOWN - FORT DRUM had 219 MLS listings, a difference of -52 listings (-19%) versus the prior month and 29 listings (15%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - WATERTOWN - FORT DRUM (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,680 sqft |
| 2018-02-01 | 0 days | 1,680 sqft |
| 2018-03-01 | 0 days | 1,680 sqft |
| 2018-04-01 | 0 days | 1,661 sqft |
| 2018-05-01 | 0 days | 1,660 sqft |
| 2018-06-01 | 0 days | 1,629 sqft |
| 2018-07-01 | 0 days | 1,626 sqft |
| 2018-08-01 | 0 days | 1,633 sqft |
| 2018-09-01 | 0 days | 1,636 sqft |
| 2018-10-01 | 0 days | 1,603 sqft |
| 2018-11-01 | 0 days | 1,598 sqft |
| 2018-12-01 | 0 days | 1,607 sqft |
| 2019-01-01 | 0 days | 1,620 sqft |
| 2019-02-01 | 0 days | 1,634 sqft |
| 2019-03-01 | 0 days | 1,684 sqft |
| 2019-04-01 | 0 days | 1,724 sqft |
| 2019-05-01 | 0 days | 1,687 sqft |
| 2019-06-01 | 0 days | 1,680 sqft |
| 2019-07-01 | 0 days | 1,701 sqft |
| 2019-08-01 | 0 days | 1,689 sqft |
| 2019-09-01 | 0 days | 1,674 sqft |
| 2019-10-01 | 0 days | 1,665 sqft |
| 2019-11-01 | 0 days | 1,663 sqft |
| 2019-12-01 | 0 days | 1,649 sqft |
| 2020-01-01 | 0 days | 1,646 sqft |
| 2020-02-01 | 0 days | 1,653 sqft |
| 2020-03-01 | 0 days | 1,656 sqft |
| 2020-04-01 | 0 days | 1,684 sqft |
| 2020-05-01 | 0 days | 1,689 sqft |
| 2020-06-01 | 0 days | 1,673 sqft |
| 2020-07-01 | 0 days | 1,698 sqft |
| 2020-08-01 | 0 days | 1,700 sqft |
| 2020-09-01 | 0 days | 1,695 sqft |
| 2020-10-01 | 0 days | 1,666 sqft |
| 2020-11-01 | 0 days | 1,695 sqft |
| 2020-12-01 | 0 days | 1,687 sqft |
| 2021-01-01 | 0 days | 1,678 sqft |
| 2021-02-01 | 0 days | 1,744 sqft |
| 2021-03-01 | 0 days | 1,699 sqft |
| 2021-04-01 | 0 days | 1,674 sqft |
| 2021-05-01 | 0 days | 1,676 sqft |
| 2021-06-01 | 0 days | 1,658 sqft |
| 2021-07-01 | 0 days | 1,684 sqft |
| 2021-08-01 | 0 days | 1,683 sqft |
| 2021-09-01 | 0 days | 1,686 sqft |
| 2021-10-01 | 0 days | 1,672 sqft |
| 2021-11-01 | 0 days | 1,648 sqft |
| 2021-12-01 | 0 days | 1,648 sqft |
| 2022-01-01 | 0 days | 1,669 sqft |
| 2022-02-01 | 0 days | 1,671 sqft |
| 2022-03-01 | 0 days | 1,687 sqft |
| 2022-04-01 | 0 days | 1,680 sqft |
| 2022-05-01 | 0 days | 1,668 sqft |
| 2022-06-01 | 0 days | 1,680 sqft |
| 2022-07-01 | 0 days | 1,680 sqft |
| 2022-08-01 | 0 days | 1,730 sqft |
| 2022-09-01 | 0 days | 1,717 sqft |
| 2022-10-01 | 0 days | 1,734 sqft |
| 2022-11-01 | 0 days | 1,681 sqft |
| 2022-12-01 | 0 days | 1,652 sqft |
| 2023-01-01 | 0 days | 1,666 sqft |
| 2023-02-01 | 0 days | 1,739 sqft |
| 2023-03-01 | 0 days | 1,675 sqft |
| 2023-04-01 | 0 days | 1,759 sqft |
| 2023-05-01 | 0 days | 1,688 sqft |
| 2023-06-01 | 0 days | 1,801 sqft |
| 2023-07-01 | 0 days | 1,785 sqft |
| 2023-08-01 | 0 days | 1,747 sqft |
| 2023-09-01 | 0 days | 1,704 sqft |
| 2023-10-01 | 0 days | 1,786 sqft |
| 2023-11-01 | 0 days | 1,711 sqft |
| 2023-12-01 | 0 days | 1,700 sqft |
| 2024-01-01 | 0 days | 1,784 sqft |
| 2024-02-01 | 0 days | 1,708 sqft |
| 2024-03-01 | 0 days | 1,706 sqft |
| 2024-04-01 | 0 days | 1,741 sqft |
| 2024-05-01 | 0 days | 1,722 sqft |
| 2024-06-01 | 0 days | 1,737 sqft |
| 2024-07-01 | 0 days | 1,762 sqft |
| 2024-08-01 | 0 days | 1,734 sqft |
| 2024-09-01 | 0 days | 1,705 sqft |
| 2024-10-01 | 0 days | 1,705 sqft |
| 2024-11-01 | 0 days | 1,705 sqft |
| 2024-12-01 | 0 days | 1,721 sqft |
| 2025-01-01 | 0 days | 1,698 sqft |
| 2025-02-01 | 0 days | 1,657 sqft |
| 2025-03-01 | 0 days | 1,674 sqft |
WATERTOWN - FORT DRUM's median square footage for active listings during the 2025-03-01 period was 1,674 sqft. One year prior, the average listing was 1,706 sqft.
WATERTOWN-FORT DRUM, NY Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,052 | $233,050,000 | $221,530 |
| Home Improvement | 259 | $18,165,000 | $70,135 |
| Other | 209 | $13,975,000 | $66,866 |
| Refi | 143 | $21,905,000 | $153,182 |
| Cash Out Refi | 130 | $25,240,000 | $194,154 |
Watertown - Fort Drum's most frequently cited loan purpose was Home Purchase, with 1,052 originations. The 2nd most popular reason was Home Improvement, with 259 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 756 | $153,010,000 | $202,394 |
| 7-8% | 354 | $55,430,000 | $156,582 |
| 5-6% | 291 | $61,265,000 | $210,533 |
| Over 8% | 184 | $14,390,000 | $78,207 |
| 4-5% | 47 | $4,655,000 | $99,043 |
| 3-4% | 36 | $3,570,000 | $99,167 |
| <2.5% | 18 | $1,200,000 | $66,667 |
| 2.5-3% | 1 | $185,000 | $185,000 |
During 2024, Watertown - Fort Drum's most frequently originated rate bucket was 6-7%, with 756 originations.
Loan Sizing (WATERTOWN-FORT DRUM, NY MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 587 | $29,665,000 | $50,537 |
| $100k-200k | 582 | $86,900,000 | $149,313 |
| $200k-400k | 536 | $146,340,000 | $273,022 |
| $400k-600k | 69 | $32,445,000 | $470,217 |
| $600k-1000k | 15 | $10,585,000 | $705,667 |
| $Over $1MM | 4 | $6,400,000 | $1,600,000 |
WATERTOWN - FORT DRUM's loan sizing saw the bucket of loans from $100,000 or less with 587 originations, totaling $29,665,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 657 | $146,425,000 | $222,869 |
| 60-80% | 275 | $60,585,000 | $220,309 |
| Under 20% | 233 | $8,165,000 | $35,043 |
| 20-40% | 222 | $17,330,000 | $78,063 |
| 40-60% | 146 | $19,540,000 | $133,836 |
| Over 100% | 143 | $38,765,000 | $271,084 |
WATERTOWN - FORT DRUM's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 657 originations, totaling $146,425,000 in origination value.