OWNERSCHOICE FUNDING, INCORPORATED
OWNERSCHOICE FUNDING, INCORPORATED received 122 applications in 2025 and made 75 mortgages, in 31 counties across 2 states. The median rate its borrowers got was 6.500% on a median loan of $145,000. Of 90 decisions, 15 were denials — 16.7%, most often for credit history. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300W5V403XF1RX254 |
|---|---|
| Applications received | 122 |
| Mortgages made | 75 |
| Denied | 15 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 32 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.244 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 51 | 6.500% | $165,000 | 12.1% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Cash-out refinancing | 19 | 6.750% | $125,000 | 26.9% |
Where OWNERSCHOICE FUNDING, INCORPORATED lends most
The 31 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Erie County, NY | 32 | 6.563% | 18.0% |
| Chautauqua County, NY | 8 | Under 10 loans | 11.1% |
| Niagara County, NY | 5 | Under 10 loans | 16.7% |
| Essex County, NY | 4 | Under 10 loans | 20.0% |
| Monroe County, NY | 3 | Under 10 loans | 0.0% |
| Chenango County, NY | 2 | Under 10 loans | 0.0% |
| Onondaga County, NY | 2 | Under 10 loans | 0.0% |
| Orange County, NY | 2 | Under 10 loans | 0.0% |
| Warren County, NY | 2 | Under 10 loans | 0.0% |
| Broome County, NY | 1 | Under 10 loans | 0.0% |
| Clinton County, NY | 1 | Under 10 loans | 0.0% |
| Fulton County, NY | 1 | Under 10 loans | 0.0% |
| Herkimer County, NY | 1 | Under 10 loans | 66.7% |
| Oneida County, NY | 1 | Under 10 loans | 0.0% |
| St. Lawrence County, NY | 1 | Under 10 loans | 50.0% |
| Schuyler County, NY | 1 | Under 10 loans | 0.0% |
| Suffolk County, NY | 1 | Under 10 loans | 0.0% |
| Ulster County, NY | 1 | Under 10 loans | 0.0% |
| Washington County, NY | 1 | Under 10 loans | 0.0% |
| Elk County, PA | 1 | Under 10 loans | 0.0% |
| Indiana County, PA | 1 | Under 10 loans | 0.0% |
| McKean County, PA | 1 | Under 10 loans | 50.0% |
| Warren County, PA | 1 | Under 10 loans | 0.0% |
| Westmoreland County, PA | 1 | Under 10 loans | 0.0% |
| Albany County, NY | 0 | Under 10 loans | 100.0% |
| Cattaraugus County, NY | 0 | Under 10 loans | Not published |
| Rensselaer County, NY | 0 | Under 10 loans | Not published |
| Allegheny County, PA | 0 | Under 10 loans | Not published |
| Beaver County, PA | 0 | Under 10 loans | Not published |
| Bucks County, PA | 0 | Under 10 loans | Not published |
| Potter County, PA | 0 | Under 10 loans | Not published |
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When OWNERSCHOICE FUNDING, INCORPORATED’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.