Compare Today’s Mortgage Rates for Utica, New York

Pureloan searches major banks and mortgage lenders all over the nation for the best home loan rates in Utica, New York 13505. Pureloan also provides a report on popular mortgage brokers in your area and a detailed analysis of your home loan payments. For a 30-year fixed loan, expected lifetime cash savings are $3,255 or $9 / month in Utica and surrounding areas of Oneida county.

Our search engine explores all possible home mortgage options including fixed rate, adjustable rate (ARM), FHA, VA, USDA, conventional, jumbo and conforming home mortgages for Utica, New York 13505.

30 Year Fixed Mortgage Rates Customized for April 21, 2021

Today's 30 Year Fixed Mortgage Rates

Summary of Average Mortgage Terms in Utica, New York 13505

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Interactive Mortgage Rate Projections for Utica, NY

Source: Fannie Mae and Freddie Mac


To forecast and predict mortgage rates in Utica, NY 13505, Pureloan has created an interactive chart to track the 5 largest nationwide lenders. Historical rates are based on closed mortgage financings, and projections are based on proprietary modeling.

Local Mortgage Rates for Utica, NY

Historical Mortgage Rates for Utica, New York 13505 from 2013 - 2020

We have compiled mortgage rate charts for home loans in Utica, New York and around Oneida county to help you understand trends for your home purchase process. This data is produced from actual closed loans.

2013 2014 2015 2016 2017 2018 2019 2020
% 30 year fixed mortgage 83.75% 80.52% 83.17% 84.22% 88.97% 86.54% 85.38% 83.06%
avg mortgage rate 4.98% 4.62% 3.90% 3.91% 4.40% 4.08% 3.84% 3.98%
% 15 year fixed mortgage 11.43% 12.55% 10.30% 11.65% 8.06% 9.03% 10.42% 12.02%
avg mortgage rate 4.44% 3.89% 3.21% 3.09% 3.51% 3.24% 3.05% 3.20%
Avg credit score 763.14 763.77 762.27 757.57 759.33 756.01 753.84 748.77
Avg LTV (loan to value) 77.13% 78.74% 80.65% 82.63% 83.86% 83.58% 83.36% 85.77%
Avg DTI (debt to income) 32.88 32.83 32.94 33.42 33.55 34.48 34.78 35.25
% First time homebuyer 30.89% 31.82% 25.74% 32.89% 38.05% 35.43% 34.73% 42.08%
Avg mortgage insurance % 5.34% 8.69% 10.48% 11.75% 13.21% 13.20% 13.29% 13.90%

Data produced from the Financial Report of the US Government

Best Mortgage Brokers Around Utica, New York 13505

If you’re looking to buy a new home in Utica, we have compiled a list of the leading mortgage brokers around Utica, New York 13505 to help you with your search.

Name
Address
Contact

Wells Fargo Home Mortgage

1417 Genesee St

Utica NY 13505

(315) 735-2580

http://www.wellsfargo.com/mortgage/

Territory Mortgage

116 Business Park Dr

Utica NY 13505

(315) 792-8021

http://territorymortgage.com

Estate Homes

2458 State Route 5

Utica NY 13505

(315) 735-2108

info@estatehomes.net

Adirondack Mortgage Service

17 Talcott Rd

Utica NY 13505

(315) 733-1848

http://www.adirondackmortgageservice.net/

Commonfund Mortgage

41 Notre Dame Ln

Utica NY 13505

(315) 507-4760

http://commonfundmtg.com

Address

1417 Genesee St

Utica NY

Contact

(315) 735-2580

http://www.wellsfargo.com/mortgage/

Address

116 Business Park Dr

Utica NY

Contact

(315) 792-8021

http://territorymortgage.com

Address

2458 State Route 5

Utica NY

Contact

(315) 735-2108

info@estatehomes.net

News on Mortgages and Reverse Mortgages for Utica, New York 13505