Oneida County, NY Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 6,436 mortgage applications in Oneida County, NY totaling $1.1 billion, up 13% from 2024. The average application was for $166,000, and applicants reported an average income of $106,000. 58% of applications resulted in an originated loan and 19% were denied. The most active lender was First Source Federal Credit Un, with 866 applications, followed by Americu Credit Union and Gpo Federal Credit Union.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,436 |
| Total Mortgage Loan Application Amount | $1,068,590,000 |
| Average Mortgage Loan Application Amount | $166,000 |
| Highest Mortgage Loan Application Amount | $11,945,000 |
| Average Applicant Income | $106,000 |
| Highest Applicant Income | $7,200,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ n/a | 866 | $ 96,760,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ n/a | 839 | $ 114,105,000 |
| Gpo Federal Credit Union 4311 MIDDLE SETTLEMENT RD NEW HARTFORD, NY 13413 |
* | $ n/a | 317 | $ 41,535,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 265 | $ 35,375,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ n/a | 258 | $ 43,760,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 226 | $ 35,820,000 |
| Adirondack Bank 185 GENESEE ST UTICA, NY 13501 |
* | $ n/a | 205 | $ 45,095,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ n/a | 185 | $ 29,495,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 162 | $ 29,920,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ n/a | 147 | $ 32,665,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 143 | $ 29,575,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ n/a | 130 | $ 30,790,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 120 | $ 19,790,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 118 | $ 18,260,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 107 | $ 20,575,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 106 | $ 12,350,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ n/a | 99 | $ 22,345,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ n/a | 93 | $ 12,195,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 79 | $ 14,315,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 72 | $ 14,620,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 62 | $ 12,710,000 |
| Utica Gas & Electric FCU 215 OLD CAMPION RD NEW HARTFORD, NY 13413 |
* | $ n/a | 58 | $ 9,760,000 |
| Hunt Mortgage Corporation 5400 BROADWAY STREET BUFFALO, NY 14203 |
* | $ n/a | 58 | $ 12,260,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ n/a | 48 | $ 5,550,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 45 | $ 3,405,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 45 | $ 5,105,000 |
| Geddes Federal Savings and Loan Association 2208 WEST GENESEE STREET SYRACUSE, NY 13219 |
* | $ n/a | 45 | $ 11,575,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 45 | $ 9,455,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 44 | $ 11,610,000 |
| Sidney Federal Credit Union 42 UNION STREET SIDNEY, NY 13838 |
* | $ n/a | 44 | $ 15,200,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 41 | $ 10,705,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 41 | $ 4,055,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 40 | $ 3,970,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 36 | $ 9,370,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 36 | $ 6,730,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 36 | $ 6,530,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 36 | $ 8,910,000 |
| Rt Federal Credit Union 924 TURIN ST ROME, NY 13440 |
* | $ n/a | 29 | $ 1,825,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 25 | $ 5,215,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 24 | $ 2,820,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 24 | $ 3,080,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 21 | $ 3,685,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ n/a | 20 | $ 3,810,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 19 | $ 4,005,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 19 | $ 3,225,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ n/a | 19 | $ 4,775,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 18 | $ 3,770,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 17 | $ 1,635,000 |
| Beacon Bank & Trust ALBANY, NY 12207 |
* | $ n/a | 17 | $ 1,625,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 17 | $ 2,955,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 15 | $ 3,885,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ n/a | 14 | $ 1,050,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 13 | $ 1,515,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 13 | $ 1,325,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 12 | $ 1,720,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 11 | $ 965,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ n/a | 11 | $ 1,405,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ n/a | 11 | $ 1,045,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 11 | $ 1,435,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 10 | $ 1,890,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 10 | $ 2,260,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 10 | $ 2,330,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 10 | $ 860,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ n/a | 9 | $ 1,585,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ n/a | 9 | $ 1,355,000 |
| East Coast Capital Corp. 25 MELVILLE PARK ROAD SUITE 200 MELVILLE, NY 11743 |
* | $ n/a | 8 | $ 1,420,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 8 | $ 2,050,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 8 | $ 1,650,000 |
| Meadowbrook Financial Mortgage Bankers Corp. 1600 STEWART AVE.; SUITE 701 WESTBURY, NY 11590 |
* | $ n/a | 8 | $ 1,240,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ n/a | 7 | $ 2,205,000 |
| Bpl Mortgage, LLC OAKBROOK TERRACE, IL 60181 |
* | $ n/a | 7 | $ 1,205,000 |
| The People's Credit Union 858 WEST MAIN ROAD MIDDLETOWN, RI 02842 |
* | $ n/a | 7 | $ 605,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 7 | $ 1,995,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 7 | $ 1,535,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 6 | $ 1,210,000 |
| The Summit Federal Credit Union 100 MARINA DRIVE ROCHESTER, NY 14626 |
* | $ n/a | 6 | $ 980,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 6 | $ 360,000 |
| Emporium Tpo LLC FRISCO, TX 75034 |
* | $ n/a | 6 | $ 1,520,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 6 | $ 810,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 6 | $ 1,410,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ n/a | 6 | $ 1,260,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 6 | $ 860,000 |
| Uif Corporation 29777 TELEGRAPH RD. SUITE 3590 SOUTHFIELD, MI 48034 |
* | $ n/a | 5 | $ 685,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ n/a | 5 | $ 1,365,000 |
| Greenwood Credit Union 2669 POST ROAD WARWICK, RI 02886 |
* | $ n/a | 5 | $ 645,000 |
| Ballston Spa National Bank PO BOX 70 BALLSTON SPA, NY 12020 |
* | $ n/a | 5 | $ 405,000 |
| Pathfinder Bank 214 WEST 1ST STREET OSWEGO, NY 13126 |
* | $ n/a | 5 | $ 805,000 |
| Northern Credit Union 120 FACTORY ST WATERTOWN, NY 13601 |
* | $ n/a | 4 | $ 760,000 |
| Luminate Bank 2523 SOUTH WAYZATA BOULEVARD SUITE 100 MINNEAPOLIS, MN 55405 |
* | $ n/a | 4 | $ 870,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 4 | $ 1,580,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 4 | $ 880,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 4 | $ 530,000 |
| Dominion Financial Services, LLC 1029 N CALVERT ST BALTIMORE, MD 21202 |
* | $ n/a | 4 | $ 3,880,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 4 | $ 750,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 4 | $ 620,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ n/a | 4 | $ 780,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 4 | $ 1,000,000 |
| Interstate Home Loan Center, Inc. 40 MARCUS DRIVE SUITE 100 MELVILLE, NY 11747 |
* | $ n/a | 3 | $ 365,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 3 | $ 415,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 3 | $ 285,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 3 | $ 465,000 |
| General Mortgage Capital Corporation 1350 OLD BAYSHORE HWY BURLINGAME, CA 94010 |
* | $ n/a | 3 | $ 525,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 3 | $ 425,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 3 | $ 1,035,000 |
| First Alliance Home Mortgage, LLC 20 JACKSON DRIVE 2ND FLOOR CRANFORD, NJ 07016 |
* | $ n/a | 3 | $ 685,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ n/a | 3 | $ 245,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ n/a | 3 | $ 545,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ n/a | 3 | $ 685,000 |
| Solvay Bank 1537 MILTON AVE SOLVAY, NY 13209 |
* | $ n/a | 3 | $ 555,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ n/a | 3 | $ 615,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 3 | $ 475,000 |
| Old Second National Bank 37 SOUTH RIVER STREET AURORA, IL 60506 |
* | $ n/a | 3 | $ 175,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 3 | $ 565,000 |
| Metro City Bank 5114 BUFORD HIGHWAY DORAVILLE, GA 30340 |
* | $ n/a | 3 | $ 425,000 |
| Guidance Residential, LLC 11107 SUNSET HILLS ROAD, STES 100 & 200 RESTON, VA 20190 |
* | $ n/a | 3 | $ 725,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 380,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ n/a | 2 | $ 230,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ n/a | 2 | $ 290,000 |
| Cliffco, Inc. 1065 OLD COUNTRY ROAD SUITE 204 UNIONDALE, NY 11553 |
* | $ n/a | 2 | $ 550,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ n/a | 2 | $ 460,000 |
| Polish & Slavic Federal Credit 100 MCGUINNESS BLVD BROOKLYN, NY 11222 |
* | $ n/a | 2 | $ 510,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ n/a | 2 | $ 400,000 |
| Hartford Funding, Ltd. 100 CROSSWAYS PARK DRIVE WEST SUITE 302 WOODBURY, NY 11797 |
* | $ n/a | 2 | $ 450,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 570,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ n/a | 2 | $ 2,310,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 440,000 |
| Ice Lender Holdings LLC 31 W 34TH ST. #1012 NEW YORK, NY 10018 |
* | $ n/a | 2 | $ 5,760,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ n/a | 2 | $ 120,000 |
| Evergreen Bank Group 1515 22ND ST # 100 OAK BROOK, IL 60523 |
* | $ n/a | 2 | $ 110,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 2 | $ 440,000 |
| Abl Rpc Residential Credit Acquisition LLC 30 MONTGOMERY ST STE 150 JERSEY CITY, NJ 07302 |
* | $ n/a | 2 | $ 320,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ n/a | 2 | $ 430,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ n/a | 2 | $ 290,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ n/a | 2 | $ 440,000 |
| Tioga State Bank, N.A. PO BOX 386 SPENCER, NY 14883 |
* | $ n/a | 2 | $ 1,570,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ n/a | 2 | $ 490,000 |
| Fulton Savings Bank 41 SOUTH FIRST STREET FULTON, NY 13069 |
* | $ n/a | 2 | $ 490,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 2 | $ 370,000 |
| Walker & Dunlop, LLC 7501 WISCONSIN AVE, STE 1200E BETHESDA, MD 20814 |
* | $ n/a | 1 | $ 2,565,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 55,000 |
| Valley National Bank 615 MAIN AVENUE PASSAIC, NJ 07055 |
* | $ n/a | 1 | $ 175,000 |
| Merchants Mortgage & Trust Corporation 7400 E CRESTLINE CIR #250 GREENWOOD VILLAGE, CO 80111 |
* | $ n/a | 1 | $ 275,000 |
| General Electric Employees Federal Credit Union 265 SUB WAY 265 SUB WAY, CT 06461 |
* | $ n/a | 1 | $ 175,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ n/a | 1 | $ 205,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 105,000 |
| Rpe Home, Inc 1312 17TH STREET SUITE 71618 DENVER, CO 80202 |
* | $ n/a | 1 | $ 85,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ n/a | 1 | $ 635,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 1 | $ 135,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ n/a | 1 | $ 155,000 |
| United Trust Bank 12330 S. HARLEM AVENUE PALOS HEIGHTS, IL 60463 |
* | $ n/a | 1 | $ 345,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ n/a | 1 | $ 85,000 |
| Nj Lenders Corp 219 PATERSON AVE LITTLE FALLS, NJ 07424 |
* | $ n/a | 1 | $ 125,000 |
| Greystone Servicing Corporation, Inc. MEMPHIS, TN 38120 |
* | $ n/a | 1 | $ 11,945,000 |
| Greystone Servicing Corporation, Inc. MEMPHIS, TN 38120 |
* | $ n/a | 1 | $ 11,945,000 |
| Advisors Mortgage Group, LLC 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ n/a | 1 | $ 215,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 45,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ n/a | 1 | $ 305,000 |
| Everence Federal Credit Union 2160 LINCOLN HWY E, STE 20 LANCASTER, PA 17602 |
* | $ n/a | 1 | $ 95,000 |
| Arbor Realty Trust, Inc. 333 EARLE OVINGTON BLVD., SUITE 900 UNIONDALE, NY 11553 |
* | $ n/a | 1 | $ 6,765,000 |
| Service Federal Credit Union 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ n/a | 1 | $ 215,000 |
| Fidelity Bank 302 MAIN ST SAVANNA, IL 61074 |
* | $ n/a | 1 | $ 245,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ n/a | 1 | $ 325,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ n/a | 1 | $ 85,000 |
| Nationwide Equities Corporation 225 BRAE BLVD SUITE 202 PARK RIDGE, NJ 07656 |
* | $ n/a | 1 | $ 125,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ n/a | 1 | $ 125,000 |
| Seneca Savings 35 OSWEGO ST. BALDWINSVILLE, NY 13027 |
* | $ n/a | 1 | $ 105,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ n/a | 1 | $ 85,000 |
| Self Reliance (Ny) FCU 108 SECOND AVE NEW YORK, NY 10003 |
* | $ n/a | 1 | $ 115,000 |
| Temple View Capital Funding LP 7550 WISCONSIN AVE STE 1000 BETHESDA, MD 20814 |
* | $ n/a | 1 | $ 235,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ n/a | 1 | $ 305,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 245,000 |
| Luxury Mortgage Corp. FOUR LANDMARK SQUARE SUITE 300 STAMFORD, CT 06901 |
* | $ n/a | 1 | $ 165,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 425,000 |
| Ukrainian Federal Credit Union 824 EAST RIDGE ROAD ROCHESTER, NY 14621 |
* | $ n/a | 1 | $ 105,000 |
| Rf Renovo Management Company, LLC 222 W ADAMS ST #1980 CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 235,000 |
| Jet Direct Funding Corp. 111 WEST MAIN STREET SUITE 110 BAY SHORE, NY 11706 |
* | $ n/a | 1 | $ 125,000 |
| Presidential Bank, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ n/a | 1 | $ 165,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ n/a | 1 | $ 165,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ n/a | 1 | $ 215,000 |
| Farmers Insurance Federal Credit Union 4601 WILSHIRE BL. STE 110 BURBANK, CA 91504 |
* | $ n/a | 1 | $ 35,000 |
| Five Star Bank 2240 DOUGLAS BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 1,245,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ n/a | 1 | $ 305,000 |
| All Credit Considered Mortgage, Inc. 1801 RESEARCH BLVD #410 ROCKVILLE, MD 20850 |
* | $ n/a | 1 | $ 165,000 |
The tables below break down 2025 mortgage applications in Oneida County, NY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Oneida County, NY in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 3,097 | $661,505,000 | $213,000 | $11,945,000 | $104,000 | $1,158,000 |
| Home Improvement | 1,165 | $95,505,000 | $81,000 | $805,000 | $104,000 | $2,436,000 |
| Other Purpose | 764 | $66,790,000 | $87,000 | $1,005,000 | $106,000 | $1,531,000 |
| Refinancing | 761 | $128,125,000 | $168,000 | $5,005,000 | $120,000 | $7,200,000 |
| Cash-out Refinancing | 626 | $114,110,000 | $182,000 | $6,765,000 | $103,000 | $2,114,000 |
| Not Applicable | 23 | $2,555,000 | $111,000 | $405,000 | $140,000 | $421,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 4,558 | $699,320,000 | $153,000 | $3,505,000 | $108,000 | $1,531,000 |
| Not applicable | 630 | $168,840,000 | $268,000 | $11,945,000 | $128,000 | $2,114,000 |
| Not Provided | 415 | $74,555,000 | $179,000 | $5,005,000 | $123,000 | $7,200,000 |
| Hispanic | 373 | $54,825,000 | $146,000 | $655,000 | $90,000 | $2,436,000 |
| Asian | 242 | $40,580,000 | $167,000 | $485,000 | $86,000 | $480,000 |
| Black or African American | 199 | $27,825,000 | $139,000 | $715,000 | $85,000 | $1,250,000 |
| American Indian or Alaskan Native | 17 | $2,415,000 | $142,000 | $425,000 | $104,000 | $268,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $230,000 | $115,000 | $185,000 | $98,000 | $140,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5,289 | $829,485,000 | $156,000 | $11,945,000 | $109,000 | $7,200,000 |
| FHA-insured (Federal Housing Administration) | 817 | $153,145,000 | $187,000 | $475,000 | $82,000 | $480,000 |
| VA-guaranteed (Veterans Administration) | 317 | $84,005,000 | $265,000 | $805,000 | $107,000 | $597,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,955,000 | $150,000 | $235,000 | $64,000 | $91,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 3,752 | $635,620,000 | $169,000 | $11,945,000 | $109,000 | $1,294,000 |
| Application Denied By Financial Institution | 1,208 | $152,750,000 | $126,000 | $2,565,000 | $85,000 | $1,500,000 |
| Application Withdrawn By Applicant | 614 | $117,610,000 | $191,000 | $6,765,000 | $127,000 | $7,200,000 |
| Loan Purchased By The Institution | 550 | $108,960,000 | $198,000 | $625,000 | $117,000 | $2,114,000 |
| File Closed For Incompleteness | 159 | $27,555,000 | $173,000 | $5,005,000 | $114,000 | $1,260,000 |
| Application Approved But Not Accepted | 149 | $25,105,000 | $168,000 | $3,505,000 | $96,000 | $449,000 |
| Preapproval Approved but not Accepted | 4 | $990,000 | $247,000 | $485,000 | $98,000 | $153,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 5,207 | $911,605,000 | $175,000 | $11,945,000 | $111,000 | $7,200,000 |
| Debt-To-Income Ratio | 387 | $50,785,000 | $131,000 | $1,335,000 | $65,000 | $347,000 |
| Credit History | 295 | $31,105,000 | $105,000 | $605,000 | $87,000 | $940,000 |
| Collateral | 212 | $31,440,000 | $148,000 | $2,565,000 | $98,000 | $625,000 |
| Other | 153 | $18,575,000 | $121,000 | $2,005,000 | $103,000 | $1,339,000 |
| Credit Application Incomplete | 112 | $14,640,000 | $130,000 | $645,000 | $116,000 | $1,500,000 |
| Unverifiable Information | 28 | $4,050,000 | $144,000 | $315,000 | $89,000 | $219,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 22 | $4,170,000 | $189,000 | $445,000 | $88,000 | $227,000 |
| Employment History | 20 | $2,220,000 | $111,000 | $355,000 | $77,000 | $225,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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