New York · HMDA 2025
Mortgage lenders in Oneida County, NY
183 lenders reported 6,436 home-loan applications in Oneida County in 2025. 3,752 closed as loans ($635.6M), 1,208 were denied — a 23.6% denial rate on decided applications, close to the New York rate of 23.9%. The three most active lenders handled 32% of applications, led by FIRST SOURCE. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 6,436
- Loans originated
- 3,752
- Purchase / refinance
- 1,781 / 797
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Oneida County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | FIRST SOURCE | 866 | 13.5% | — |
| 2 | AMERICU Credit Union 48 out of 100, Below average | 839 | 13.0% | 28.4% |
| 3 | Rocket Mortgage, LLC | 377 | 5.9% | — |
| 4 | G.P.O. Federal Credit Union 79 out of 100, Strong | 317 | 4.9% | 40.4% |
| 5 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 265 | 4.1% | 32.9% |
| 6 | Community Bank, National Association 62 out of 100, Moderate | 258 | 4.0% | 18.9% |
| 7 | Citizens Bank, National Association 54 out of 100, Below average | 226 | 3.5% | 32.5% |
| 8 | Adirondack Bank | 205 | 3.2% | — |
| 9 | NBT Bank, National Association 64 out of 100, Moderate | 185 | 2.9% | 23.4% |
| 10 | NEWREZ LLC | 162 | 2.5% | — |
| 11 | HOMESTEAD FUNDING CORP. | 147 | 2.3% | — |
| 12 | PENNYMAC LOAN SERVICES, LLC | 143 | 2.2% | — |
| 13 | PREMIUM MORTGAGE CORPORATION | 130 | 2.0% | — |
| 14 | KeyBank National Association 63 out of 100, Moderate | 120 | 1.9% | 32.8% |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 118 | 1.8% | 14.1% |
| 16 | PLAZA HOME MORTGAGE, INC. | 107 | 1.7% | — |
| 17 | 21st Mortgage Corporation | 106 | 1.6% | — |
| 18 | SEFCU SERVICES, LLC | 99 | 1.5% | — |
| 19 | Empower Federal Credit Union 59 out of 100, Moderate | 93 | 1.4% | 17.2% |
| 20 | Navy Federal Credit Union 66 out of 100, Moderate | 79 | 1.2% | 32.9% |
| 21 | MOVEMENT MORTGAGE, LLC | 72 | 1.1% | — |
| 22 | Loandepot.Com, LLC | 62 | 1.0% | — |
| 23 | HUNT MORTGAGE CORPORATION | 58 | 0.9% | — |
| 24 | Utica Gas & Electric Federal Credit Union | 58 | 0.9% | — |
| 25 | Berkshire Bank | 48 | 0.7% | — |
| 26 | Discover Bank | 45 | 0.7% | — |
| 27 | Bank of America, National Association 59 out of 100, Moderate | 45 | 0.7% | 44.7% |
| 28 | Geddes Federal Savings and Loan Association 74 out of 100, Strong | 45 | 0.7% | 7.1% |
| 29 | PHH Mortgage Corporation | 45 | 0.7% | — |
| 30 | Loan Funder LLC | 44 | 0.7% | — |
| 31 | Sidney Federal Credit Union 67 out of 100, Moderate | 44 | 0.7% | 13.9% |
| 32 | TRIAD FINANCIAL SERVICES, INC. | 41 | 0.6% | — |
| 33 | Mortgage Research Center, LLC | 41 | 0.6% | — |
| 34 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 40 | 0.6% | 74.7% |
| 35 | CROSSCOUNTRY MORTGAGE, INC. | 36 | 0.6% | — |
| 36 | PLANET HOME LENDING, LLC | 36 | 0.6% | — |
| 37 | NATIONSTAR MORTGAGE LLC | 36 | 0.6% | — |
| 38 | FREEDOM MORTGAGE CORPORATION | 36 | 0.6% | — |
| 39 | ROME TEACHERS FEDERAL CREDIT UNION | 29 | 0.5% | — |
| 40 | UNITED SHORE FINANCIAL SERVICES, LLC | 25 | 0.4% | — |
Top 40 of 183 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in New York
- Suffolk County 51,239 apps
- Nassau County 38,055 apps
- Queens County 29,227 apps
- Erie County 26,759 apps
- Kings County 26,693 apps
- Monroe County 26,027 apps
- Westchester County 22,127 apps
- Onondaga County 14,198 apps
- New York County 13,421 apps
- Orange County 13,396 apps
- Richmond County 10,170 apps
- Albany County 9,902 apps