Investment property refinance lenders in Oneida County, New York
Fat Boy Data analyzed investment property refinance activity in Oneida County, New York, home to Utica, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 128 applications were decided by 28 lenders between 2023 and 2025.
Oneida County at a glance
How Oneida County compares
What the data shows
First Source made the most investment property refinances in Oneida County, NY, 36 of them.
That is 36% of every investment property refinance originated here, so this market is unusually concentrated in one lender.
First Source approved the highest share of applications among lenders with at least 20 decisions here, 97% of 37.
The typical investment property refinance here is $145K, 70% smaller than the New York typical of $485K.
Investment property refinance lenders in Oneida County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | First Source | 97% | 36 / 37 | 100% | $165K | 36 |
| 2 | Kiavi Funding, Inc. | 76% | 22 / 29 | 100% | $115K | 22 |
| 3 | AMERICU Credit UnionLimited sample | 100% | 8 / 8 | 100% | $145K | 8 |
| 4 | Community Bank, National AssociationLimited sample | 38% | 3 / 8 | 100% | $65K | 3 |
| 5 | Rocket Mortgage, LLCLimited sample | 50% | 3 / 6 | 100% | $75K | 3 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 23 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest investment property refinance lenders in Oneida County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
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