Refinance lenders in Oneida County, New York
Fat Boy Data analyzed mortgage 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. 1,550 applications were decided by 66 lenders between 2023 and 2025.
Oneida County at a glance
How Oneida County compares
What the data shows
First Source made the most mortgage refinances in Oneida County, NY, 389 of them.
That is 33% of every mortgage refinance originated here, so this market is unusually concentrated in one lender.
Community Bank, National Association approved the highest share of applications among lenders with at least 20 decisions here, 92% of 83.
Lenders approved 77.5% of mortgage refinance applications in Oneida County, NY, 6.5 percentage points above the New York rate of 71.0%.
The typical mortgage refinance here is $95K, 54% smaller than the New York typical of $205K.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Refinance lenders in Oneida County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | First Source | 88% | 402 / 456 | 97% | $95K | 389 |
| 2 | AMERICU Credit Union | 81% | 237 / 291 | 100% | $85K | 237 |
| 3 | NBT Bank, National Association | 79% | 68 / 86 | 97% | $95K | 66 |
| 4 | Community Bank, National Association | 92% | 76 / 83 | 100% | $105K | 76 |
| 5 | Citizens Bank, National Association | 65% | 53 / 82 | 92% | $105K | 49 |
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 61 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest mortgage 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.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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