Mortgage lenders in Oneida County
3,752 mortgages were made in Oneida County, New York, in 2025, by 182 lenders. The median rate their borrowers got was 6.500% on a median loan of $145,000. Of 5,108 decisions, 1,207 were denials — 23.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| FIRST SOURCE | 646 | 6.740% | $75,000 | 15.2% |
| AMERICU Credit Union | 624 | 6.240% | $105,000 | 20.2% |
| Rocket Mortgage, LLC | 227 | 6.750% | $155,000 | 31.0% |
| Community Bank, National Association | 184 | 7.000% | $135,000 | 18.1% |
| G.P.O. Federal Credit Union | 179 | 5.375% | $125,000 | 40.8% |
| NBT Bank, National Association | 138 | 5.000% | $115,000 | 17.1% |
| Adirondack Bank | 132 | 6.625% | $180,000 | 14.7% |
| Manufacturers and Traders Trust Company | 129 | 5.990% | $105,000 | 45.0% |
| HOMESTEAD FUNDING CORP. | 121 | 6.490% | $215,000 | 3.1% |
| PREMIUM MORTGAGE CORPORATION | 102 | 6.490% | $205,000 | 2.8% |
| SEFCU SERVICES, LLC | 82 | 6.375% | $210,000 | 1.2% |
| KeyBank National Association | 80 | 6.375% | $155,000 | 22.6% |
| PLAZA HOME MORTGAGE, INC. | 68 | 6.500% | $175,000 | 29.9% |
| Utica Gas & Electric Federal Credit Union | 58 | 6.495% | $140,000 | 0.0% |
| Citizens Bank, National Association | 57 | 8.650% | $85,000 | 46.7% |
| Empower Federal Credit Union | 55 | 7.250% | $105,000 | 24.0% |
| MOVEMENT MORTGAGE, LLC | 53 | 6.625% | $195,000 | 7.6% |
| Loandepot.Com, LLC | 45 | 6.500% | $195,000 | 16.7% |
| HUNT MORTGAGE CORPORATION | 40 | 6.750% | $220,000 | 10.6% |
| Geddes Federal Savings and Loan Association | 36 | 5.875% | $260,000 | 2.4% |
| Sidney Federal Credit Union | 35 | 6.000% | $205,000 | 7.5% |
| Navy Federal Credit Union | 33 | 6.000% | $215,000 | 28.3% |
| 21st Mortgage Corporation | 29 | 10.260% | $85,000 | 61.8% |
| Berkshire Bank | 25 | 6.000% | $85,000 | 35.9% |
| Mortgage Research Center, LLC | 23 | 6.500% | $265,000 | 16.7% |
| ROME TEACHERS FEDERAL CREDIT UNION | 23 | 5.750% | $55,000 | 14.8% |
| JPMorgan Chase Bank, National Association | 21 | 6.500% | $195,000 | 27.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | 6.625% | $255,000 | 13.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 19 | 6.500% | $155,000 | 13.6% |
| PENNYMAC LOAN SERVICES, LLC | 17 | 6.250% | $185,000 | 33.3% |
| Kiavi Funding, Inc. | 17 | 7.500% | $125,000 | 22.7% |
| Genesee Regional Bank | 16 | 6.875% | $225,000 | 11.1% |
| Loan Funder LLC | 14 | 7.635% | $135,000 | 26.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 14 | 6.625% | $170,000 | 5.6% |
| Farm Credit East, ACA | 14 | 6.875% | $180,000 | 11.1% |
| PLANET HOME LENDING, LLC | 13 | 5.990% | $285,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 12 | 6.688% | $165,000 | 14.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 12 | 6.188% | $165,000 | 23.5% |
| ROYAL UNITED MORTGAGE LLC | 11 | 7.250% | $85,000 | 21.4% |
| NATIONSTAR MORTGAGE LLC | 11 | 6.750% | $135,000 | 8.3% |
| NEWREZ LLC | 10 | 6.563% | $160,000 | 61.5% |
| FREEDOM MORTGAGE CORPORATION | 10 | 6.875% | $190,000 | 23.1% |
| Wells Fargo Bank, National Association | 10 | 6.688% | $115,000 | 28.6% |
| Brookline Bank | 10 | 6.063% | $90,000 | 41.2% |
| USAA Federal Savings Bank | 10 | 6.375% | $230,000 | 9.1% |
| RELIANCE FIRST CAPITAL, LLC | 10 | 7.063% | $205,000 | 0.0% |
| Broadview Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 35.7% |
| Barrington Bank & Trust Company, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 36.6% |
| LENDINGONE, LLC | 8 | Under 10 loans | Under 10 loans | 46.7% |
| The Lyons National Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 71.4% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FIGURE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 8.3% |
| EAST COAST CAPITAL CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| The People's Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Pathfinder Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 87.5% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOME TOWN FUNDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ballston Spa National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 65.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 11.1% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 66.7% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| THE SUMMIT Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| UIF CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| TD Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 71.4% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Solvay Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tompkins Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUNMARK CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Community First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Visions Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evergreen Bank Group | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Tioga State Bank, N. A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ukrainian Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Seneca Savings | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ESL Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CNB Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Canandaigua National Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 90.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | Not published |
| UNITED MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TOWER Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| POLISH & SLAVIC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HARTFORD FUNDING, LTD. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| RPE Home, Inc | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| WALKER & DUNLOP, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AFFINITY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Dart Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ARBOR REALTY TRUST, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| North American Savings Bank, F.S.B. | 0 | Under 10 loans | Under 10 loans | Not published |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SELF RELIANCE NY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| JET DIRECT FUNDING CORP | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONWIDE EQUITIES CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Pennsylvania | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Oneida County
43 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Adirondack Bank | 9 | $605.7 million |
| NBT Bank, National Association | 6 | $744.2 million |
| Manufacturers and Traders Trust Company | 6 | $718.9 million |
| Beacon Bank and Trust | 6 | $607.9 million |
| KeyBank National Association | 6 | $517.7 million |
| Community Bank, National Association | 6 | $392.3 million |
| Citizens Bank, National Association | 2 | $163.1 million |
| Bank of Utica | 1 | $1.1 billion |
| Woodforest National Bank | 1 | $3.3 million |
Closed since the 2025 survey
7 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Berkshire Bank, 1300 Erie Blvd W, Rome
- Berkshire Bank, 1629 Black River Blvd N, Rome
- Berkshire Bank, 34 Oriskany Blvd, Whitesboro
- Berkshire Bank, 50 Auert Ave, Utica
- Berkshire Bank, 50 Genesee St, New Hartford
- Berkshire Bank, 8491 Seneca Tpke, New Hartford
- Manufacturers and Traders Trust Company, 7 Main St, Camden
Get told when this changes
When the next year’s lending figures are out for Oneida County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.