Mortgage lending in Herkimer County, New York
Lenders in Herkimer County, New York reported 1,694 mortgage applications for 2025, according to the CFPB.
1,694 mortgage applications and 1,043 loans originated in 2025; the denial rate was 25.2% of 1,450 applications decided. The median loan was about $115,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Utica-Rome, NY MSA.
- 1,694
- Applications
- 1,043
- Loans originated
- 25.2%
- Denial rate
- 366 denied of 1,450 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,694 | 1,043 |
| 2024 | 1,537 | 951 |
| 2023 | 1,502 | 983 |
| 2022 | 2,104 | 1,412 |
| 2021 | 2,205 | 1,559 |
| 2020 | 1,735 | 1,164 |
| 2019 | 1,706 | 1,102 |
| 2018 | 1,817 | 1,153 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First Source Federal Credit Un | 235 | 315 |
| Americu Credit Union | 124 | 191 |
| GPO Federal Credit Union | 94 | 161 |
| Rocket Mortgage | 61 | 91 |
| Adirondack Bank | 56 | 84 |
| M&T Bank | 56 | 101 |
| NBT Bank NA | 33 | 51 |
| Homestead Funding Corp. | 32 | 38 |
| SEFCU Services, LLC | 31 | 35 |
| HomeBridge Financial Services, Inc | 26 | 32 |
| Community Bank, N.A. | 25 | 32 |
| Citizens Bank, NA | 18 | 43 |
| Premium Mortgage Corporation | 15 | 17 |
| Plaza Home Mortgage, Inc | 15 | 22 |
| Movement Mortgage, LLC | 13 | 20 |
| Mortgage Research Center | 13 | 17 |
| Newrez LLC | 12 | 23 |
| Utica Gas & Electric FCU | 12 | 12 |
| United Wholesale Mortgage | 11 | 11 |
| Empower Federal Credit Union | 11 | 22 |
| loanDepot.com LLC | 8 | 17 |
| Nationstar Mortgage | 8 | 12 |
| Crosscountry Mortgage, LLC | 7 | 10 |
| Sidney Federal Credit Union | 6 | 9 |
| Kiavi Funding, Inc. | 6 | 32 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 11 | no rate: base under 50 |
| Black or African American | 21 | no rate: base under 50 |
| White | 1,477 | 24.6% of 1,293 decided |
| 2 or more minority races | under 10 | |
| Joint | 10 | no rate: base under 50 |
| Race Not Available | 167 | 29.2% of 120 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 44 | no rate: base under 50 |
| Not Hispanic or Latino | 1,436 | 23.9% of 1,256 decided |
| Joint | 14 | no rate: base under 50 |
| Ethnicity Not Available | 200 | 34.5% of 145 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 616 | 28.7% of 529 decided |
| Female | 420 | 30.7% of 368 decided |
| Joint | 538 | 17.0% of 476 decided |
| Sex Not Available | 120 | 26.0% of 77 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2598 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved