Refinancing lenders in Oneida County
489 refinancing mortgages were made in Oneida County, New York, in 2025, by 71 lenders. The median rate their borrowers got was 6.530% on a median loan of $115,000. Of 649 decisions, 144 were denials — 22.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| FIRST SOURCE | 150 | 6.740% | $115,000 | 14.4% |
| AMERICU Credit Union | 101 | 6.490% | $85,000 | 13.7% |
| NBT Bank, National Association | 35 | 3.490% | $95,000 | 23.4% |
| Rocket Mortgage, LLC | 30 | 5.990% | $170,000 | 29.8% |
| Community Bank, National Association | 22 | 7.000% | $110,000 | 21.4% |
| Citizens Bank, National Association | 15 | 8.400% | $105,000 | 37.5% |
| Adirondack Bank | 15 | 7.250% | $85,000 | 21.1% |
| Manufacturers and Traders Trust Company | 13 | 5.990% | $105,000 | 58.1% |
| Kiavi Funding, Inc. | 13 | 7.500% | $125,000 | 23.5% |
| ROYAL UNITED MORTGAGE LLC | 11 | 7.250% | $85,000 | 15.4% |
| PLANET HOME LENDING, LLC | 10 | 5.990% | $290,000 | 0.0% |
| G.P.O. Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 27.3% |
| KeyBank National Association | 7 | Under 10 loans | Under 10 loans | 11.1% |
| 21st Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Utica Gas & Electric Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| SEFCU SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROME TEACHERS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Empower Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIUM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broadview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Lyons National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tompkins Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Solvay Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOME TOWN FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Geddes Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEWREZ LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Sidney Federal 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% |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | Not published |
| WALKER & DUNLOP, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UNITED MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| HUDSON VALLEY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UIF CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUIDANCE RESIDENTIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Brookline Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONWIDE EQUITIES CORPORATION | 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 |
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.