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Oneida County, New York · 2025

Mortgage lenders in Oneida County, NY: denial rates and top lenders (2025)

178 lenders acted on 5,882 mortgage applications for properties in Oneida County in 2025. 20.5% were denied (New York: 19.8%). Median rate on closed loans 6.50%; median loan $135,000; median property value $235,000.

5.9kApplications
20.5%Denial ratestate 19.8%
6.50%Median ratestate 6.63%
$135,000Median loan
$235,000Median property value

Largest lenders in Oneida County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 First Source D 866646 13.9%6.74%
2 AMERICU Credit Union C 839624 18.8%6.24%
3 Rocket Mortgage C 364227 29.1%6.75%
4 G.P.O. Federal Credit Union C 317179 40.1%5.38%
5 Manufacturers and Traders Trust C 263129 40.7%5.99%
6 Community Bank D 258184 15.9%7.06%
7 Adirondack Bank D 205132 11.7%6.63%
8 NBT Bank B 185138 16.2%5.00%
9 Homestead Funding A 147121 2.7%6.49%
10 Premium Mortgage A 130102 2.3%6.49%
11 Citizens Bank C 12657 39.7%8.65%
12 KeyBank C 11880 20.3%6.38%
13 21st Mortgage F 10629 44.3%10.26%
14 Plaza Home Mortgage C 10068 29.0%6.50%
15 Sefcu Services A 9982 1.0%6.38%
16 Empower Federal Credit Union B 8355 21.7%7.25%
17 Navy Federal Credit Union D 7933 16.5%6.00%
18 Movement Mortgage A 7253 6.9%6.63%
19 Loandepot.Com D 6245 14.5%6.50%
20 Utica Gas & Electric Federal Credit Union – 5858 0.0%6.50%
21 Hunt Mortgage B 5840 8.6%6.75%
22 Berkshire Bank B 4825 29.2%6.00%
23 Discover Bank F 454 62.2%10.09%
24 Geddes Federal Savings and Loan Association B 4536 2.2%5.88%
25 Newrez D 4410 36.4%6.56%

Best approval odds in Oneida County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Utica Gas & Electric Federal Credit Union580.0%
2Sefcu Services861.2%
3Premium Mortgage1062.8%
4Homestead Funding1283.1%
5Movement Mortgage667.6%
6Adirondack Bank16314.7%
7First Source79115.2%
8Loandepot.Com5416.7%
9NBT Bank17617.1%
10Community Bank22618.1%

What Oneida County borrowers applied for

By loan purpose

Home purchase 2,635 45% · 14.7% denied
Refinance 739 13% · 19.5% denied
Cash-out refinance 569 10% · 22.0% denied
Home improvement 1,163 20% · 24.6% denied
Other / HELOC 776 13% · 34.3% denied

By loan type

Conventional 5,010 85% · 20.9% denied
FHA 614 10% · 20.2% denied
VA 249 4% · 13.3% denied
USDA / RHS 9 0% · 22.2% denied

Why applications were denied

Debt-to-income ratio 359 30%
Credit history 295 25%
Collateral 212 18%
Other 153 13%
Incomplete application 112 9%
Unverifiable information 28 2%
Insufficient cash 22 2%
Employment history 20 2%

Oneida County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20235,1383,29319.8%6.50%$105,000
20245,2523,48319.1%6.67%$115,000
20255,8823,75220.5%6.50%$135,000

Frequently asked questions

20.5% of applications in Oneida County were denied in 2025, against 19.8% statewide in New York.

First Source, with 866 applications in 2025 and a denial rate of 13.9%.

The median mortgage application in Oneida County in 2025 was for $135,000; the median property value on originated loans was $235,000.