Home purchase lenders in Oneida County
1,781 home purchase mortgages were made in Oneida County, New York, in 2025, by 140 lenders. The median rate their borrowers got was 6.500% on a median loan of $195,000. Of 2,260 decisions, 387 were denials — 17.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| AMERICU Credit Union | 242 | 6.125% | $195,000 | 13.0% |
| HOMESTEAD FUNDING CORP. | 119 | 6.490% | $215,000 | 3.2% |
| Community Bank, National Association | 107 | 7.250% | $175,000 | 11.6% |
| PREMIUM MORTGAGE CORPORATION | 100 | 6.490% | $200,000 | 2.9% |
| Adirondack Bank | 99 | 6.625% | $205,000 | 7.8% |
| FIRST SOURCE | 90 | 6.618% | $185,000 | 14.4% |
| SEFCU SERVICES, LLC | 75 | 6.375% | $215,000 | 1.3% |
| G.P.O. Federal Credit Union | 71 | 6.000% | $185,000 | 24.0% |
| Rocket Mortgage, LLC | 67 | 6.875% | $185,000 | 22.7% |
| PLAZA HOME MORTGAGE, INC. | 62 | 6.495% | $175,000 | 31.9% |
| Manufacturers and Traders Trust Company | 55 | 6.375% | $175,000 | 31.7% |
| MOVEMENT MORTGAGE, LLC | 51 | 6.625% | $195,000 | 8.1% |
| KeyBank National Association | 48 | 6.250% | $175,000 | 14.3% |
| NBT Bank, National Association | 48 | 6.188% | $185,000 | 5.4% |
| HUNT MORTGAGE CORPORATION | 40 | 6.750% | $220,000 | 10.6% |
| Geddes Federal Savings and Loan Association | 31 | 5.875% | $265,000 | 2.8% |
| Sidney Federal Credit Union | 30 | 6.000% | $225,000 | 3.0% |
| Loandepot.Com, LLC | 26 | 6.495% | $250,000 | 13.3% |
| Navy Federal Credit Union | 24 | 5.875% | $250,000 | 11.1% |
| 21st Mortgage Corporation | 23 | 10.500% | $85,000 | 66.2% |
| Mortgage Research Center, LLC | 20 | 6.438% | $285,000 | 4.4% |
| Utica Gas & Electric Federal Credit Union | 19 | 6.625% | $185,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 18 | 6.625% | $255,000 | 10.0% |
| Empower Federal Credit Union | 17 | 6.500% | $175,000 | 15.0% |
| JPMorgan Chase Bank, National Association | 16 | 6.500% | $215,000 | 27.3% |
| Genesee Regional Bank | 16 | 6.875% | $225,000 | 11.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 15 | 6.500% | $165,000 | 6.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 12 | 6.625% | $175,000 | 6.3% |
| Farm Credit East, ACA | 11 | 6.900% | $195,000 | 7.1% |
| EVERETT FINANCIAL, INC. | 10 | 6.688% | $165,000 | 16.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 10 | 6.058% | $175,000 | 28.6% |
| TRIAD FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 36.6% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 42.9% |
| NEWREZ LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| 1ST PRIORITY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| The Lyons National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 58.3% |
| The People's Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| EAST COAST CAPITAL CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Berkshire Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Kiavi Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Ballston Spa National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Pathfinder Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Brookline Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 62.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOME TOWN FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Metro City Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE SUMMIT Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 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% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 68.4% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 14.3% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 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% |
| Old Second National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 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% |
| Solvay Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tompkins Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUNMARK CREDIT UNION | 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% |
| 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% |
| 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% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 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% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 90.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| FREEDOM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| HARTFORD FUNDING, LTD. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UNITED MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Dart Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CMG MORTGAGE, 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 |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 0 | Under 10 loans | Under 10 loans | Not published |
| ROYAL UNITED MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONSTAR MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| The Canandaigua National Bank and Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 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 |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Get told when this changes
When the next year’s lending figures are out for Oneida County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.