Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Oneida County, New York
Every institution that decided a 1–4 unit mortgage application in Oneida County, home to Utica, between 2023 and 2025: 12,111 applications, 9,213 loans actually funded, across 8 kinds of borrowing.
Oneida County at a glance
12,111Applications decided
2023–2025
9,213Loans funded
76% of decisions
75Census tracts
26 ZIP codes
229,645People
ACS 2023
What the data shows
Lenders approved 84.7% of home-purchase applications in Oneida County, 3.0 points below the New York rate.
The typical purchase mortgage here is $185K.
Investment home improvement is the hardest money to get here: lenders approved 50% of 109 applications.
Lending by loan type in Oneida County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 84.7% | 5,551 | $185K | 95% | 153 |
| Home improvement loans | 74.0% | 2,993 | $55K | 97% | 55 |
| Cash-out refinance | 70.2% | 917 | $145K | 97% | 69 |
| Refinance | 77.5% | 1,550 | $95K | 97% | 66 |
| Investment property purchase | 81.3% | 732 | $135K | 94% | 109 |
| Investment cash-out refinance | 73.3% | 131 | $125K | 94% | 48 |
| Investment refinance | 78.9% | 128 | $145K | 98% | 28 |
| Investment home improvement | 49.5% | 109 | $125K | 94% | 26 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.