Mortgage lending in Oneida County, New York
Lenders in Oneida County, New York reported 5,882 mortgage applications for 2025, according to the CFPB.
5,882 mortgage applications and 3,752 loans originated in 2025; the denial rate was 23.6% of 5,109 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Utica-Rome, NY MSA.
- 5,882
- Applications
- 3,752
- Loans originated
- 23.6%
- Denial rate
- 1,208 denied of 5,109 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,882 | 3,752 |
| 2024 | 5,252 | 3,483 |
| 2023 | 5,138 | 3,293 |
| 2022 | 6,954 | 4,762 |
| 2021 | 7,841 | 5,792 |
| 2020 | 6,722 | 4,714 |
| 2019 | 6,217 | 4,163 |
| 2018 | 6,188 | 4,048 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First Source Federal Credit Un | 646 | 866 |
| Americu Credit Union | 624 | 839 |
| Rocket Mortgage | 227 | 364 |
| Community Bank, N.A. | 184 | 258 |
| GPO Federal Credit Union | 179 | 317 |
| NBT Bank NA | 138 | 185 |
| Adirondack Bank | 132 | 205 |
| M&T Bank | 129 | 263 |
| Homestead Funding Corp. | 121 | 147 |
| Premium Mortgage Corporation | 102 | 130 |
| SEFCU Services, LLC | 82 | 99 |
| Keybank National Association | 80 | 118 |
| Plaza Home Mortgage, Inc | 68 | 100 |
| Utica Gas & Electric FCU | 58 | 58 |
| Citizens Bank, NA | 57 | 126 |
| Empower Federal Credit Union | 55 | 83 |
| Movement Mortgage, LLC | 53 | 72 |
| loanDepot.com LLC | 45 | 62 |
| Hunt Mortgage Corporation | 40 | 58 |
| Geddes Federal Savings and Loan Association | 36 | 45 |
| Sidney Federal Credit Union | 35 | 44 |
| Navy Federal Credit Union | 33 | 79 |
| 21ST Mortgage | 29 | 106 |
| Berkshire Bank | 25 | 48 |
| Mortgage Research Center | 23 | 41 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 15 | no rate: base under 50 |
| Asian | 223 | 22.9% of 179 decided |
| Black or African American | 210 | 42.1% of 171 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 4,665 | 22.1% of 4,123 decided |
| 2 or more minority races | withheld | |
| Joint | 67 | 18.2% of 55 decided |
| Race Not Available | 682 | 29.5% of 552 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 329 | 40.1% of 277 decided |
| Not Hispanic or Latino | 4,778 | 21.8% of 4,187 decided |
| Joint | withheld | |
| Ethnicity Not Available | 690 | 28.6% of 570 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,109 | 24.0% of 1,811 decided |
| Female | 1,529 | 28.6% of 1,344 decided |
| Joint | 1,821 | 18.4% of 1,611 decided |
| Sex Not Available | 423 | 27.1% of 343 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. 2036 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