Mortgage lending in Oneida County
3,752 mortgages were originated in Oneida County, New York, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,752
- Median rate
- 6.500%
- Median lender fees
- $4,194
- Median loan amount
- $145,000
- Median spread over APOR
- 0.313
- Paid discount points
- 24.9%
- Received lender credits
- 21.6%
- Purchases / refinances
- 47.5% / 21.2%
- Conventional / FHA / VA
- 86% / 9.7% / 4.1%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 61% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Oneida County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| FIRST SOURCE | 646 | — | 6.740% |
| AMERICU Credit Union | 624 | $714 | 6.240% |
| Rocket Mortgage, LLC | 227 | $6,154 | 6.750% |
| Community Bank, National Association | 184 | — | 7.063% |
| G.P.O. Federal Credit Union | 179 | $3,593 | 5.375% |
| NBT Bank, National Association | 138 | $4,027 | 5.000% |
| Adirondack Bank | 132 | $3,586 | 6.625% |
| Manufacturers and Traders Trust Company | 129 | $5,350 | 5.990% |
| HOMESTEAD FUNDING CORP. | 121 | $4,274 | 6.490% |
| PREMIUM MORTGAGE CORPORATION | 102 | $4,335 | 6.490% |
What lenders charged here
Lender fees on a $145,000 loan, based on what was actually charged in Oneida County — not a rule of thumb.
From 2,289 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers