Mortgage lending in Utica-Rome, NY
4,837 mortgages were originated in the Utica-Rome, NY area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,837
- Median rate
- 6.500%
- Median lender fees
- $4,220
- Median loan amount
- $135,000
- Median spread over APOR
- 0.334
- Paid discount points
- 24.3%
- Received lender credits
- 21%
- Purchases / refinances
- 46.5% / 21.2%
- Conventional / FHA / VA
- 85.7% / 10.1% / 4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 58.8% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Utica-Rome, NY area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| FIRST SOURCE | 881 | — | 6.740% |
| AMERICU Credit Union | 748 | $740 | 6.240% |
| Rocket Mortgage, LLC | 288 | $6,109 | 6.750% |
| G.P.O. Federal Credit Union | 273 | $3,593 | 5.000% |
| Community Bank, National Association | 209 | — | 7.000% |
| Adirondack Bank | 188 | $3,359 | 6.750% |
| Manufacturers and Traders Trust Company | 185 | $5,162 | 5.990% |
| NBT Bank, National Association | 171 | $3,878 | 5.000% |
| HOMESTEAD FUNDING CORP. | 153 | $4,233 | 6.490% |
| PREMIUM MORTGAGE CORPORATION | 117 | $4,352 | 6.490% |