Compare Today’s Mortgage Rates in Utica, New York 13505
Pureloan is dedicated to helping you secure the best mortgage rates by conducting extensive searches among mortgage lenders and major banks in Utica, New York 13505.
Our search engine thoroughly explores all home mortgage options in Utica, New York 13505, including fixed-rate, adjustable-rate (ARM), FHA, VA, USDA, conventional, jumbo, and conforming home mortgages. Based on our calculations, we estimate that for a 30-year fixed loan, you can expect to save $8,494 in lifetime cash or $24 per month in Utica and other areas of Oneida county.
Summary of Average Mortgages in Utica, New York 13505
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Interactive Mortgage Rate Projections for Utica, New York 13505
Pureloan has developed an interactive chart to help you forecast and predict mortgage rates in Utica, NY 13505. This chart tracks the rates of the five largest nationwide lenders based on historical data from closed mortgage financings and projections using our proprietary modeling.
Historical Mortgage Rates in Utica, New York 13505 from 2024 - 2016
We have compiled mortgage rates charts for home loans in Utica, New York and around Oneida county to provide insight into trends that may be helpful during your home buying process. This data is derived from actual closed loans.
2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
---|---|---|---|---|---|---|---|---|---|
% 30 year fixed mortgage | 94.09% | 92.35% | 91.57% | 90.40% | 88.48% | 87.59% | 86.16% | 84.71% | 85.22% |
avg mortgage rate | 6.45% | 4.50% | 3.06% | 3.35% | 4.42% | 4.54% | 4.11% | 3.83% | 4.06% |
% 15 year fixed mortgage | 5.42% | 5.56% | 6.18% | 7.77% | 7.53% | 9.35% | 9.46% | 11.15% | 10.27% |
avg mortgage rate | 5.75% | 4.00% | 2.48% | 2.82% | 3.75% | 3.90% | 3.30% | 3.06% | 3.22% |
Avg credit score | 745.41 | 748.16 | 748.06 | 754.77 | 752.35 | 754.89 | 754.34 | 754.66 | 755.45 |
Avg LTV (loan to value) | 82.43% | 84.83% | 85.27% | 86.34% | 85.24% | 84.04% | 84.62% | 83.40% | 83.85% |
Avg DTI (debt to income) | 36.73 | 35.24 | 35.04 | 35.14 | 35.42 | 35.10 | 35.44 | 34.70 | 34.42 |
% First time homebuyer | 56.65% | 52.14% | 50.28% | 45.94% | 42.40% | 41.67% | 39.93% | 33.76% | 35.11% |
Avg mortgage insurance % | 13.38% | 15.39% | 15.01% | 15.96% | 14.22% | 14.49% | 13.87% | 13.16% | 13.46% |
Best Mortgage Brokers around Utica, New York 13505
For those searching for a new home in Utica, we have compiled a list of the top mortgage brokers located in and around Utica, New York 13505 to assist you with your search.
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