County · NY
Multifamily lenders in Oneida County, NY
13 lenders made 53 multifamily loans in Oneida County, NY in 2024 and 2025, $411.8M in all. First Source Credit Union made the most, with 23. The typical loan was about $340K. The county is part of the Utica, NY metro area.
- Evidence
- Multifamily loans placed in the county, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 13
- HMDA,
- Multifamily loans, 2024-25
- 53
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $412M
- HMDA,
- Typical loan
- $340K
- HMDA,
Cite this
Source: The Lender Report, Multifamily lenders in Oneida County, NY, https://lender.report/lenders-in/new-york/oneida-county/, data as of December 31, 2025.
Describe a deal in Oneida County, NY
See which of these lenders made loans like yours, at your size and in your place. No account and no form.
Show multifamily loans in Oneida County, NYOn this list? Find your page
| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan |
|---|---|---|---|---|---|---|---|
| First Source Credit Union multifamily record | Credit union | New Hartford, NY | 23 | $8.73M | 9 | 14 | $220K |
| NBT Bank, National Association multifamily record | Bank | Norwich, NY | 7 | $5.13M | 2 | 5 | $340K |
| Pathfinder Bank multifamily record | Bank | Oswego, NY | 5 | $6.56M | 0 | 5 | $360K |
| Tompkins Bank & Trust multifamily record | Bank | Ithaca, NY | 3 | $13.3M | 2 | 1 | $1.3M |
| Community Bank, National Association multifamily record | Bank | Canton, NY | 3 | $7.40M | 2 | 1 | $2.5M |
| Utica Gas & Electric Emp Credit Union multifamily record | Credit union | New Hartford, NY | 2 | $860K | 2 | 0 | $500K |
| Hudson Valley Credit Union multifamily record | Credit union | Poughkeepsie, NY | 2 | $640K | 2 | 0 | $340K |
| BPL Mortgage, LLC multifamily record | Non-bank | Oakbrook Terrace, IL | 2 | $600K | 2 | 0 | $340K |
| JLL Real Estate Capital, LLC multifamily record | Non-bank | St. Paul, MN | 1 | $340M | 0 | 1 | $340M |
| Greystone Servicing Corporation, Inc. multifamily record | Non-bank | Memphis, TN | 1 | $12.0M | 1 | 0 | $12M |
| Sidney Credit Union multifamily record | Credit union | Sidney, NY | 1 | $5.60M | 1 | 0 | $5.6M |
| Manufacturers and Traders Trust Company multifamily record | Bank | Buffalo, NY | 1 | $500K | 0 | 1 | $500K |
| RF Renovo Management Company, LLC multifamily record | Non-bank | Chicago, IL | 1 | $240K | 1 | 0 | $240K |
| Loan size | Loans | Lenders |
|---|---|---|
| Under $1M | 39 | 9 |
| $1M to $2.5M | 4 | 2 |
| $2.5M to $5M | 5 | 3 |
| $5M to $10M | 2 | 1 |
| $10M or more | 3 | 3 |
- Lenders made 53 multifamily loans totaling $411.8M in Oneida County, NY in 2024 and 2025. HMDA,
- 1 of these loans was made by lenders that have since merged or closed. They are counted in the totals here and appear in no lender's row. HMDA,
- 25 of the loans were made in 2025 and 28 in 2024. HMDA,
- The typical loan in Oneida County, NY was about $340K, with the middle half between $220K and $1M. HMDA,
- 39 of the loans were under $1M, and 5 were $5M or more. HMDA,
- Lenders reported a median rate of 7.00% on 48 loans in Oneida County, NY, with the middle half between 6.65% and 7.58%. HMDA,
- The median term was 15 years. HMDA,
- The median loan to value was 75%. HMDA,
- 32% of the loans were refinancings and 55% were purchases. HMDA,
- Banks and savings institutions made 19 of the loans, credit unions 28, and non-banks 5. HMDA,
- The five most active lenders made 77.4% of the loans. HMDA,
- The three most active lenders were First Source Credit Union with 23, NBT Bank, National Association with 7, and Pathfinder Bank with 5. HMDA,
- 9 of the 13 lenders are based in New York. The rest are based elsewhere, most often in Illinois, Minnesota and Tennessee. HMDA,
- The most common property size was 5 to 24 units, with 44 loans. HMDA,
- Oneida County, NY is part of the Utica-Rome, NY metro area, which has its own page. OMB metro list,
How this list is defined
- Measure
- Multifamily loans made in Oneida County, NY
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the county, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans in the county.
- Order
- Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order.
- As of
- 2025
- Source
- HMDA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new loans today.
- What they charge or require beyond the rate and term that HMDA reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count.
SBA loans are on record by state only, so this page has no SBA figures for the county. The state pages carry them.
HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date.
Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.