What people paid for mortgages in Oneida County, NY (2025)

Across 1,510 closed home-purchase loans in 2025, the median interest rate in Oneida was 6.375%, and the middle half of borrowers got between 6% and 6.75%. Median total loan costs ran $4,581 on a median loan of $195,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.375%
Middle half of rates: 6%–6.75%
Median total loan costs: $4,581
Median loan amount: $195,000

1,510 loans, 2025.

Refinance

Median rate: 6.49%
Middle half of rates: 5.99%–7%
Median total loan costs: $5,351
Median loan amount: $155,000

487 loans, 2025.

Lowest median rates in Oneida (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.AMERICU Credit Union6%221 loans, median costs $4,769
2.NBT Bank, National Association6.062%44 loans, median costs $3,816
3.G.P.O. Federal Credit Union6.125%61 loans, median costs $3,568
4.FIRST SOURCE6.24%45 loans, median costs $3,404
5.KeyBank National Association6.25%45 loans, median costs $4,783

Among lenders with at least 30 closed purchase loans in Oneida County in 2025.

Refinance

1.AMERICU Credit Union6.125%51 loans, median costs $200
2.Rocket Mortgage, LLC6.49%101 loans, median costs $6,693
3.FIRST SOURCE6.49%76 loans, median costs $3,451

Among lenders with at least 30 closed refinance loans in Oneida County in 2025.

Lender by lender in Oneida

Every lender that closed at least 5 qualifying loans in Oneida County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	AMERICU Credit Union	221	6%	$4,769	$1,645	$730
2	HOMESTEAD FUNDING CORP.	114	6.433%	$4,261	$1,195	$1,083
3	PREMIUM MORTGAGE CORPORATION	92	6.49%	$4,335	$1,400	$235
4	Community Bank, National Association	84	7.25%	$0	$0	$1,582
5	Adirondack Bank	82	6.5%	$3,744	$675	n/a
6	SEFCU SERVICES, LLC	73	6.375%	$3,751	$790	$441
7	Rocket Mortgage, LLC	63	6.75%	$7,677	$3,837	$2,691
8	G.P.O. Federal Credit Union	61	6.125%	$3,568	$840	$500
9	PLAZA HOME MORTGAGE, INC.broker only	55	6.49%	$7,986	$3,891	$1,949
10	FIRST SOURCE	45	6.24%	$3,404	$790	$701
11	KeyBank National Association	45	6.25%	$4,783	$1,656	$729
12	Manufacturers and Traders Trust Company	45	6.5%	$5,064	$1,500	$878
13	NBT Bank, National Association	44	6.062%	$3,816	$779	n/a
14	MOVEMENT MORTGAGE, LLC	43	6.562%	$6,122	$2,093	$923
15	HUNT MORTGAGE CORPORATION	37	6.75%	$5,945	$3,469	$1,820
16	Sidney Federal Credit Union	29	6%	$3,687	$299	n/a
17	Geddes Federal Savings and Loan Association	27	5.875%	$5,082	$1,935	n/a
18	Navy Federal Credit Union	24	5.875%	$4,623	$100	$349
19	Loandepot.Com, LLC	24	6.433%	$6,779	$3,248	$1,845
20	21st Mortgage Corporation	22	10.5%	$7,125	$4,339	n/a
21	Mortgage Research Center, LLC	19	6.375%	$3,937	$261	$1,300
22	CROSSCOUNTRY MORTGAGE, INC.	17	6.625%	$7,966	$2,613	$1,402
23	Utica Gas & Electric Federal Credit Union	16	6.625%	$2,359	$0	n/a
24	Genesee Regional Bank	15	6.875%	$5,705	$1,550	$824
25	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	13	6.375%	$8,390	$4,653	$1,758
26	Empower Federal Credit Union	13	6.5%	$3,347	$123	$2,485
27	JPMorgan Chase Bank, National Association	13	6.5%	$4,726	$1,590	$1,964
28	PRIMELENDING, A PLAINSCAPITAL COMPANY	10	6.625%	$7,819	$3,537	$2,143
29	HOMEBRIDGE FINANCIAL SERVICES, INC.	10	6.058%	$8,701	$5,137	$814
30	Farm Credit East, ACA	10	6.875%	$4,589	$1,500	n/a
31	EVERETT FINANCIAL, INC.	10	6.688%	$5,588	$2,035	$967
32	TRIAD FINANCIAL SERVICES, INC.	7	8.58%	n/a	n/a	n/a
33	NEWREZ LLC	7	6.625%	$8,703	$1,010	$1,484
34	1ST PRIORITY MORTGAGE, INC.	6	6.5%	$4,254	$1,683	$677
35	USAA Federal Savings Bank	6	6.5%	$6,327	$1,685	$1,674
36	Citizens Bank, National Association	6	6.688%	$6,046	$2,102	$1,050
37	The People's Credit Union	5	8.25%	n/a	$0	n/a

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

Request quotes on LendingTree

What happens after you submit

Referral disclosure: this site may earn a fee if you request quotes through this link. A referral fee never changes the quotes you receive, and no lender or marketplace pays to appear in the data tables on this site or to be described a certain way.

Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Oneida figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in Oneida County in 2025?

The median interest rate on closed home-purchase loans in Oneida County, New York in 2025 was 6.375%, across 1,510 first-lien, owner-occupied loans. The middle half of borrowers got between 6% and 6.75%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.