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State markets/New York/Oneida County

COUNTY MORTGAGE MARKET · FIPS 36065

Oneida County, New York

Who lends in Oneida County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$635.6M

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

3,752

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

20.5%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

178

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 178 lenders that originated in Oneida County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

521

unconcentrated

Top-5 lender share

41.2%

of originations

Purchase

69.1%

1,781 loans

Refinance

30.9%

797 loans

Origination trend

Annual mortgage origination volume and loan count in Oneida County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in Oneida County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its Oneida County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR ONEIDA COUNTY →

TOP TEN LENDERS IN ONEIDA COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

624$87.9M$87.9M originated in Oneida County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
646$70.6M$70.6M originated in Oneida County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
227$38.3M$38.3M originated in Oneida County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
184$33.2M$33.2M originated in Oneida County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
132$32.2M$32.2M originated in Oneida County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
121$27.2M$27.2M originated in Oneida County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
179$24.5M$24.5M originated in Oneida County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
102$24.3M$24.3M originated in Oneida County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
138$23.7M$23.7M originated in Oneida County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
82$18.6M$18.6M originated in Oneida County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in Oneida County

All 55 ZIP Code Tabulation Areas that touch Oneida County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
55 OF 55 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1414 of the 19 Oneida County tracts this ZIP area touches sit mostly inside it.43,20515.7%12,204——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 16 Oneida County tracts this ZIP area touches sit mostly inside it.38,60353.6%6,485——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1515 of the 19 Oneida County tracts this ZIP area touches sit mostly inside it.29,64334.8%6,661——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Oneida County tracts this ZIP area touches sit mostly inside it.19,43212.2%6,297——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 8 Oneida County tracts this ZIP area touches sit mostly inside it.10,8588.8%3,508——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 8 Oneida County tracts this ZIP area touches sit mostly inside it.10,07512.7%2,379——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Oneida County tracts this ZIP area touches sit mostly inside it.7,0295.7%2,362——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Oneida County tracts this ZIP area touches sit mostly inside it.6,62511.0%2,159——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Oneida County tracts this ZIP area touches sit mostly inside it.5,9747.2%2,048——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Oneida County tract this ZIP area touches sit mostly inside it.5,2605.4%1,709——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Oneida County tracts this ZIP area touches sit mostly inside it.5,2417.3%1,581——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Oneida County tracts this ZIP area touches sit mostly inside it.4,7877.3%1,802——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Oneida County tract this ZIP area touches sit mostly inside it.4,50312.2%1,090——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Oneida County tracts this ZIP area touches sit mostly inside it.4,3327.9%1,449——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 Oneida County tracts this ZIP area touches sit mostly inside it.4,2976.1%1,458——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 3 Oneida County tracts this ZIP area touches sit mostly inside it.4,2936.2%1,496——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 4 Oneida County tracts this ZIP area touches sit mostly inside it.3,92310.3%1,416——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Oneida County tracts this ZIP area touches sit mostly inside it.3,3897.0%1,155——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Oneida County tracts this ZIP area touches sit mostly inside it.3,0777.5%938——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Oneida County tracts this ZIP area touches sit mostly inside it.2,8425.7%894——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Oneida County tracts this ZIP area touches sit mostly inside it.2,65715.4%653——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Oneida County tracts this ZIP area touches sit mostly inside it.2,54212.9%715——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Oneida County tracts this ZIP area touches sit mostly inside it.2,0215.8%704——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Oneida County tracts this ZIP area touches sit mostly inside it.1,50714.4%463——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Oneida County tracts this ZIP area touches sit mostly inside it.1,4773.7%683——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Oneida County tracts this ZIP area touches sit mostly inside it.0—0——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 4 tracts of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Oneida County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

75 of Oneida County’s 75 census tracts are grouped into the ZIP areas above, with none left over. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Oneida County

All 75 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

75 OF 75 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
—0.0%1,35943.6%OPEN →
—0.0%1,47757.1%OPEN →
Middle108.3%2,07435.9%OPEN →
Low43.5%4,63755.7%OPEN →
Low25.0%2,73167.7%OPEN →
Moderate51.8%2,17160.1%OPEN →
Low30.8%1,87261.1%OPEN →
—0.0%1,54047.7%OPEN →
Low48.9%4,11457.4%OPEN →
Low43.0%2,30278.7%OPEN →
Moderate76.5%3,27173.0%OPEN →
Upper142.9%1,4019.7%OPEN →
Moderate71.9%4,80736.4%OPEN →
Middle91.4%3,95634.0%OPEN →
Moderate58.6%2,66445.2%OPEN →
Moderate64.8%2,02844.8%OPEN →
Low36.6%2,76886.9%OPEN →
Middle101.1%5,11620.9%OPEN →
Middle98.9%2,43810.3%OPEN →
Middle116.4%3,20511.3%OPEN →
Middle82.1%2,74128.9%OPEN →
Moderate71.6%1,69424.4%OPEN →
Moderate68.0%3,43824.8%OPEN →
Middle81.2%2,53718.8%OPEN →
Upper139.2%2,64810.8%OPEN →
Moderate75.0%3,39717.7%OPEN →
Moderate68.6%4,74226.6%OPEN →
Middle101.3%2,04613.1%OPEN →
Middle107.0%3,88211.1%OPEN →
Middle110.8%2,6909.1%OPEN →
Middle108.3%5,9247.4%OPEN →
Moderate79.3%4,23013.3%OPEN →
Moderate76.7%2,65715.4%OPEN →
Middle94.6%4,50312.2%OPEN →
Upper131.8%2,2906.5%OPEN →
Upper142.7%4,3385.6%OPEN →
Middle116.4%3,7337.7%OPEN →
Middle115.3%2,1876.9%OPEN →
Upper141.3%1,7966.2%OPEN →
Middle107.4%4,2976.1%OPEN →
Middle106.3%1,4773.7%OPEN →
Middle105.0%2,8425.7%OPEN →
Middle102.2%4,5185.8%OPEN →
Upper129.8%2,7828.1%OPEN →
Middle103.9%3,3897.0%OPEN →
Middle109.2%2,5115.5%OPEN →
Moderate76.8%3,92310.3%OPEN →
Middle95.5%4,7877.3%OPEN →
Middle107.5%5,9747.2%OPEN →
Middle117.6%3,0777.5%OPEN →
Upper121.8%5,2417.3%OPEN →
Upper132.3%3,2309.4%OPEN →
Upper143.9%3,7308.8%OPEN →
Upper173.2%3,11520.7%OPEN →
Upper129.0%1,85912.4%OPEN →
Middle100.4%4,4869.1%OPEN →
Upper155.0%7,14913.3%OPEN →
Upper123.5%5,93813.2%OPEN →
Upper128.0%4,3327.9%OPEN →
Upper132.8%1,9666.5%OPEN →
Middle98.7%2,0215.8%OPEN →
Middle105.4%2,3275.9%OPEN →
Moderate79.0%1,50714.4%OPEN →
—0.0%——OPEN →
Middle117.1%2,54212.9%OPEN →
Upper129.8%6,62511.0%OPEN →
Low44.5%3,69227.2%OPEN →
—0.0%5,57374.9%OPEN →
—0.0%——OPEN →
—0.0%——OPEN →
—0.0%——OPEN →
Middle94.5%5,2605.4%OPEN →
—0.0%1258.3%OPEN →
—0.0%6100.0%OPEN →
—0.0%00.0%OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

229,124

Median household income

$70,154

Median home value

$182,600

Median gross rent

$944

per month

Owner-occupied

67.7%

of occupied units

Housing units

105,443

9.7% vacant

Poverty rate

15.5%

Unemployment

4.6%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively Moderate

score 86.3

Social vulnerability

Relatively Moderate

Community resilience

Very High

ELEVATED PERILS

Strong wind Relatively High · Winter weather Very High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

86

Declarations recorded

28

Incident types on record: Biological, Fire, Flood, Hurricane, Other, Severe Ice Storm, Severe Storm, Snowstorm, Winter Storm.

Everything we hold on Oneida County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to Oneida County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Oneida County →Every reported application and origination in FIPS 36065, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Oneida County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

126

—

Purchase share

57.9%

73 loans

IRRRL refinances

27

Cash-out refinances

26

2026126—732726
2025148—971932
2024109—82225
2023144—118026
2022——1442351
2021304—13411456
2020240—1415940
2019199—151444
2018196—1211659
2017240—1433166
2016224—1414142
2015183—1062948

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in Oneida County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

Oneida County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2025

177

+41.6% vs 2024

Multifamily · 2025

77

−19.8% vs 2024

Total authorized · 2025

254

+14.9% vs 2024

Permit valuation · 2025

$63.6M

authorized construction value

Units authorized by year

Oneida County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
02505007501K1990199219941996199820002002200420062008201020122014201620182020202220242025254 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for Oneida County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

outflow2223Other flows - South, DS7891,335$52.3M
inflow2223Other flows - South, DS5951,001$34.7M
inflow2223Herkimer County, NY459734$22.5M
outflow2223Herkimer County, NY420737$21.2M
inflow2223Madison County, NY353595$16.3M
outflow2223Madison County, NY351596$17.1M
outflow2223Onondaga County, NY327495$19.2M
inflow2223Other flows - Northeast, DS299516$18.6M
outflow2223Other flows - Northeast, DS261429$15.9M
inflow2223Onondaga County, NY234367$13.0M
inflow2223Other flows - West, DS206317$12.2M
outflow2223Other flows - West, DS190270$11.2M
outflow2223Other flows - Midwest, DS190365$10.8M
inflow2223Other flows - Midwest, DS150290$9.0M
outflow2223Monroe County, NY94136$5.6M
outflow2223Oswego County, NY88140$4.8M
inflow2223Oswego County, NY81133$2.9M
inflow2223Lewis County, NY80130$3.6M
outflow2223Albany County, NY7399$2.7M
outflow2223Erie County, NY65106$3.9M
outflow2223Lewis County, NY6197$2.8M
inflow2223Monroe County, NY6088$3.7M
inflow2223Bronx County, NY57110$1.8M
inflow2223Erie County, NY5276$2.6M
inflow2223Queens County, NY5286$2.3M
outflow2223Kings County, NY4968$2.5M
outflow2223Foreign - Other flows, FR4661$1.6M
outflow2223Otsego County, NY4373$2.7M
inflow2223Kings County, NY4275$1.7M
inflow2223New York County, NY4162$2.4M
inflow2223Albany County, NY4062$1.9M
inflow2223Otsego County, NY4066$2.3M
outflow2223New York County, NY3944$2.7M
inflow2223Chenango County, NY3767$2.3M
inflow2223Saratoga County, NY3646$2.1M
outflow2223Jefferson County, NY3456$1.5M
outflow2223Saratoga County, NY3345$2.3M
outflow2223Queens County, NY3359$1.5M
outflow2223Hillsborough County, FL3147$1.8M
inflow2223Suffolk County, NY3040$1.6M
outflow2223Polk County, FL3049$1.6M
outflow2223Rensselaer County, NY2949$1.5M
inflow2223Jefferson County, NY2856$1.5M
inflow2223Foreign - Other flows, FR2757$1.3M
outflow2223Chenango County, NY2741$1.2M
inflow2223Broome County, NY2740$1.3M
outflow2223Schenectady County, NY2533$1.5M
outflow2223Mecklenburg County, NC2544$1.3M
outflow2223Montgomery County, NY2434$738K
inflow2223Schenectady County, NY2439$1.8M
inflow2223Nassau County, NY2434$1.1M
outflow2223Lee County, FL2336$2.1M
outflow2223Broome County, NY2339$896K
inflow2223Cayuga County, NY2234$1.7M
outflow2223Volusia County, FL2237$1.0M
outflow2223Middlesex County, MA2126$1.2M
outflow2223Suffolk County, MA2125$1.0M
outflow2223Philadelphia County, PA2133$623K
outflow2223Tompkins County, NY2126$1.2M
outflow2223Maricopa County, AZ2126$1.0M
outflow2223Brevard County, FL2146$1.2M
outflow2223Broward County, FL2137$777K
outflow2223Horry County, SC2032$1.3M
inflow2223Westchester County, NY2030$1.4M
outflow2223Cook County, IL2039$748K
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS7921,392$122.8M
inflow2122Other flows - South, DS6001,023$35.9M
outflow2122Herkimer County, NY455824$23.1M
inflow2122Herkimer County, NY437736$21.6M
inflow2122Madison County, NY392667$18.3M
outflow2122Madison County, NY378637$19.4M
outflow2122Onondaga County, NY335500$18.6M
inflow2122Other flows - Northeast, DS308488$16.4M
outflow2122Other flows - Northeast, DS265422$15.6M
outflow2122Other flows - West, DS218325$12.8M
inflow2122Onondaga County, NY212310$11.0M
inflow2122Other flows - West, DS196324$11.1M
outflow2122Other flows - Midwest, DS190345$12.2M
inflow2122Other flows - Midwest, DS152286$6.9M
outflow2122Oswego County, NY82149$4.9M
outflow2122Monroe County, NY8099$3.8M
inflow2122Lewis County, NY77129$3.8M
inflow2122Bronx County, NY71127$2.5M
inflow2122Oswego County, NY69125$2.7M
outflow2122Lewis County, NY64105$3.3M
outflow2122Albany County, NY6387$3.2M
inflow2122Queens County, NY62119$2.6M
outflow2122Erie County, NY5989$2.4M
inflow2122Kings County, NY59104$2.1M
inflow2122Monroe County, NY5875$2.4M
inflow2122Otsego County, NY5782$2.7M
outflow2122Kings County, NY5473$2.2M
inflow2122Albany County, NY4769$2.7M
inflow2122New York County, NY4563$3.1M
outflow2122New York County, NY4353$2.1M
inflow2122Erie County, NY4362$1.9M
inflow2122Chenango County, NY3857$1.6M
inflow2122Suffolk County, NY3763$2.4M
outflow2122Bronx County, NY3557$707K
inflow2122Jefferson County, NY3560$1.8M
outflow2122Saratoga County, NY3542$2.7M
outflow2122Jefferson County, NY3454$1.9M
outflow2122Queens County, NY3351$1.1M
outflow2122Pinellas County, FL3346$2.9M
outflow2122Chenango County, NY3352$1.3M
inflow2122Rensselaer County, NY3248$1.3M
outflow2122Schenectady County, NY3144$2.2M
inflow2122Saratoga County, NY3155$2.9M
outflow2122Rensselaer County, NY3034$1.7M
outflow2122Mecklenburg County, NC2938$2.6M
inflow2122Schenectady County, NY2949$2.2M
outflow2122Volusia County, FL2852$1.6M
outflow2122Wake County, NC2746$1.9M
outflow2122Hillsborough County, FL2740$1.0M
outflow2122Otsego County, NY2651$1.4M
inflow2122Montgomery County, NY2537$851K
outflow2122Duval County, FL2547$1.2M
inflow2122Fulton County, NY2333$1.4M
inflow2122Dutchess County, NY2335$1.4M
outflow2122Broome County, NY2230$1.2M
outflow2122St. Lawrence County, NY2228$936K
inflow2122Westchester County, NY2241$1.2M
outflow2122Capitol Planning Region, CT2134$1.4M
outflow2122Brevard County, FL2134$1.1M
inflow2122Maricopa County, AZ2134$1.6M
inflow2122Nassau County, NY2134$1.6M
inflow2122St. Lawrence County, NY2137$1.2M
outflow2122Broward County, FL2130$2.2M
outflow2122Middlesex County, MA2129$1.6M
outflow2122Suffolk County, MA2020$1.3M
outflow2021Foreign - Other flows, FR———
inflow2021Foreign - Other flows, FR———
outflow2021Other flows - South, DS7971,485$50.0M
inflow2021Other flows - South, DS555917$28.3M
outflow2021Herkimer County, NY488890$21.9M
inflow2021Herkimer County, NY447705$20.8M
outflow2021Madison County, NY394690$17.7M
inflow2021Madison County, NY369652$17.6M
outflow2021Onondaga County, NY318503$16.1M
inflow2021Other flows - Northeast, DS292482$15.9M
outflow2021Other flows - Northeast, DS282472$17.4M
inflow2021Onondaga County, NY277427$17.3M
outflow2021Other flows - West, DS218326$12.0M
inflow2021Other flows - West, DS206327$11.7M
outflow2021Other flows - Midwest, DS182343$10.2M
inflow2021Other flows - Midwest, DS143270$8.7M
outflow2021Oswego County, NY109186$4.6M
outflow2021Lewis County, NY90168$4.0M
inflow2021Oswego County, NY72128$3.8M
outflow2021Monroe County, NY7198$3.2M
inflow2021Kings County, NY69119$3.4M
outflow2021Albany County, NY6681$3.0M
inflow2021Monroe County, NY6291$3.4M
inflow2021Albany County, NY6287$3.3M
inflow2021Queens County, NY61123$2.5M
inflow2021Bronx County, NY60112$1.6M
outflow2021Erie County, NY5984$2.4M
inflow2021Lewis County, NY5585$2.6M
inflow2021Erie County, NY5364$1.4M
inflow2021Otsego County, NY5279$3.3M
outflow2021Otsego County, NY4784$1.6M
inflow2021New York County, NY4361$3.1M
inflow2021Saratoga County, NY4256$2.5M
outflow2021Saratoga County, NY3950$4.9M
outflow2021Kings County, NY3863$1.6M
inflow2021Schenectady County, NY3757$1.2M
outflow2021Jefferson County, NY3777$2.2M
inflow2021Chenango County, NY3562$1.6M
inflow2021Jefferson County, NY3558$1.2M
outflow2021Mecklenburg County, NC3562$2.6M
outflow2021New York County, NY3444$1.9M
outflow2021Broome County, NY3137$1.4M
inflow2021Westchester County, NY3048$2.7M
inflow2021Broome County, NY2943$1.3M
outflow2021Queens County, NY2843$1.1M
inflow2021Suffolk County, NY2849$1.3M
outflow2021Pinellas County, FL2842$2.1M
outflow2021Rensselaer County, NY2634$1.3M
outflow2021Hillsborough County, FL2552$1.3M
outflow2021Wake County, NC2335$1.4M
outflow2021Volusia County, FL2335$1.1M
outflow2021Lee County, FL2341$1.4M
inflow2021Orange County, NY2342$954K
outflow2021Horry County, SC2237$1.5M
outflow2021Schenectady County, NY2228$1.4M
outflow2021Chenango County, NY2240$870K
outflow2021San Diego County, CA2235$1.4M
inflow2021Nassau County, NY2143$1.1M
outflow2021Palm Beach County, FL2134$1.7M
inflow2021Montgomery County, NY2040$832K
inflow2021Rensselaer County, NY2026$965K
inflow1920Foreign - Other flows, FR———
outflow1920Foreign - Other flows, FR———
outflow1920Other flows - South, DS8411,690$53.9M
inflow1920Other flows - South, DS534949$26.4M
outflow1920Herkimer County, NY4801,008$20.4M
inflow1920Herkimer County, NY461783$20.0M
outflow1920Madison County, NY416750$19.0M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Oneida County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals697.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023RefinanceNo CharacteristicAll Appraisals208.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals905.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals200,000.0
2023BothNo CharacteristicAll Appraisals205,000.0
2023PurchaseNo CharacteristicAll Appraisals207,000.0
2023PurchaseNo CharacteristicAll Appraisals0.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals190,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals195,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals413.0
2022PurchaseNo CharacteristicAll Appraisals0.0
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals188,000.0
2022BothNo CharacteristicAll Appraisals1,388.0
2022PurchaseNo CharacteristicAll Appraisals975.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals200,000.0
2021BothNo CharacteristicAll Appraisals1,986.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals1,150.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals836.0
2021PurchaseNo CharacteristicAll Appraisals0.0
2021BothNo CharacteristicAll Appraisals191,000.0
2021PurchaseNo CharacteristicAll Appraisals0.7
2021PurchaseNo CharacteristicAll Appraisals186,000.0
2020PurchaseNo CharacteristicAll Appraisals0.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals1,836.0
2020PurchaseNo CharacteristicAll Appraisals1,039.0
2020PurchaseNo CharacteristicAll Appraisals0.8
2020BothNo CharacteristicAll Appraisals180,000.0
2020RefinanceNo CharacteristicAll Appraisals200,000.0
2020RefinanceNo CharacteristicAll Appraisals797.0
2020PurchaseNo CharacteristicAll Appraisals170,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals160,000.0
2019PurchaseNo CharacteristicAll Appraisals1,013.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals175,000.0
2019BothNo CharacteristicAll Appraisals1,520.0
2019RefinanceNo CharacteristicAll Appraisals507.0
2019PurchaseNo CharacteristicAll Appraisals155,000.0
2019PurchaseNo CharacteristicAll Appraisals0.8
2018RefinanceNo CharacteristicAll Appraisals155,000.0
2018BothNo CharacteristicAll Appraisals1,264.0
2018PurchaseNo CharacteristicAll Appraisals941.0
2018RefinanceNo CharacteristicAll Appraisals323.0
2018BothNo CharacteristicAll Appraisals150,000.0
2018PurchaseNo CharacteristicAll Appraisals146,000.0
2018PurchaseNo CharacteristicAll Appraisals0.8
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals145,500.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.0
2017BothNo CharacteristicAll Appraisals1,168.0
2017PurchaseNo CharacteristicAll Appraisals776.0
2017PurchaseNo CharacteristicAll Appraisals140,000.0
2017RefinanceNo CharacteristicAll Appraisals392.0
2017PurchaseNo CharacteristicAll Appraisals0.8
2017BothNo CharacteristicAll Appraisals142,500.0
2016PurchaseNo CharacteristicAll Appraisals796.0
2016RefinanceNo CharacteristicAll Appraisals155,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals130,000.0
2016PurchaseNo CharacteristicAll Appraisals0.8
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals140,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals1,264.0
2016RefinanceNo CharacteristicAll Appraisals468.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals130,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals146,000.0
2015BothNo CharacteristicAll Appraisals1,196.0
2015RefinanceNo CharacteristicAll Appraisals476.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals720.0
2015BothNo CharacteristicAll Appraisals135,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals130,500.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for Oneida County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-05100,55496,5993,9553.9%
2026-04100,41296,5583,8543.8%
2026-03101,41897,1514,2674.2%
2026-02101,45496,6844,7704.7%
2026-01100,56696,1654,4014.4%
2025-12101,05697,2243,8323.8%
2025-11101,77397,9743,7993.7%
2025-09100,92396,8944,0294.0%
2025-08100,87296,5914,2814.2%
2025-07101,72597,5044,2214.1%
2025-06101,69998,0183,6813.6%
2025-05100,71497,3623,3523.3%
2025-04100,84097,4583,3823.4%
2025-03100,42596,4553,9704.0%
2025-02100,28695,9344,3524.3%
2025-01100,07995,9384,1414.1%
2024-1299,08795,5563,5313.6%
2024-11100,11696,7423,3743.4%
2024-10100,37097,0693,3013.3%
2024-09100,92297,6723,2503.2%
2024-08101,50097,5783,9223.9%
2024-07102,63498,6004,0343.9%
2024-06101,57397,9823,5913.5%
2024-05100,62697,2523,3743.4%
2024-04100,48397,0283,4553.4%
2024-03100,48596,3794,1064.1%
2024-02100,84996,3704,4794.4%
2024-01100,21395,9604,2534.2%
2023-1299,45995,6903,7693.8%
2023-11101,17797,7113,4663.4%
2023-10101,26797,7493,5183.5%
2023-09101,26497,8623,4023.4%
2023-08102,38698,5533,8333.7%
2023-07103,01599,4363,5793.5%
2023-06101,88898,5203,3683.3%
2023-05100,90397,7783,1253.1%
2023-04100,46597,5932,8722.9%
2023-03100,30796,7383,5693.6%
2023-02100,30896,2564,0524.0%
2023-0199,90295,8664,0364.0%
2022-1299,36896,0313,3373.4%
2022-1199,35396,2143,1393.2%
2022-10100,04497,1012,9432.9%
2022-09100,66197,4723,1893.2%
2022-08101,93497,9903,9443.9%
2022-07102,78498,9233,8613.8%
2022-06102,02198,4893,5323.5%
2022-05100,57497,4403,1343.1%
2022-0499,24696,0033,2433.3%
2022-0399,89496,0163,8783.9%
2022-02100,35196,0114,3404.3%
2022-0199,90795,7384,1694.2%
2021-1298,88595,7033,1823.2%
2021-1199,88496,4263,4583.5%
2021-10100,51896,7713,7473.7%
2021-09100,99596,8874,1084.1%
2021-08102,90897,8725,0364.9%
2021-07103,61398,2155,3985.2%
2021-06102,65597,0595,5965.5%
2021-05101,77496,7934,9814.9%
2021-04101,51896,0345,4845.4%
2021-03101,53595,0596,4766.4%
2021-02101,66294,5697,0937.0%
2021-01100,56593,5886,9776.9%
2020-12101,25995,2436,0165.9%
2020-11102,58797,1975,3905.3%
2020-10102,94597,5405,4055.3%
2020-09103,22196,6406,5816.4%
2020-08104,99997,5597,4407.1%
2020-07105,76496,0509,7149.2%
2020-06105,49895,39510,1039.6%
2020-05103,95890,61513,34312.8%
2020-04102,42185,22217,19916.8%
2020-03104,57599,0195,5565.3%
2020-02104,82699,9934,8334.6%
2020-01104,92099,9694,9514.7%
2019-12104,494100,0584,4364.2%
2019-11105,358101,3584,0003.8%
2019-10105,548101,6653,8833.7%
2019-09104,868101,0313,8373.7%
2019-08106,895102,4894,4064.1%
2019-07107,156102,7214,4354.1%
2019-06105,591101,5714,0203.8%
2019-05104,973101,2383,7353.6%
2019-04104,491100,6423,8493.7%
2019-03104,56999,9524,6174.4%
2019-02104,66099,7934,8674.7%
2019-01104,93799,9175,0204.8%
2018-12103,76699,3254,4414.3%
2018-11104,205100,4303,7753.6%
2018-10104,378100,6233,7553.6%
2018-09103,51499,7623,7523.6%
2018-08105,611101,3964,2154.0%
2018-07106,689102,1904,4994.2%
2018-06106,048101,5764,4724.2%
2018-05103,89299,8814,0113.9%
2018-04103,45198,8414,6104.5%
2018-03103,54298,2525,2905.1%
2018-02103,51197,6155,8965.7%
2018-01103,69997,9615,7385.5%

BEA Personal Income

2024$13.32B228,347$58K
2023$12.71B228,010$56K
2022$12.11B228,502$53K
2021$12.12B229,660$53K
2020$11.50B231,103$50K
2019$10.56B232,323$45K
2018$10.04B233,073$43K
2017$9.77B233,181$42K
2016$9.28B233,132$40K
2015$9.12B233,632$39K
2014$8.85B234,511$38K
2013$8.81B234,805$38K
2012$8.76B234,772$37K
2011$8.61B234,778$37K
2010$8.44B234,862$36K
2009$8.13B234,619$35K
2008$7.97B234,482$34K
2007$7.61B234,488$32K
2006$7.13B234,229$30K
2005$6.75B234,282$29K
2004$6.58B234,654$28K
2003$6.27B234,243$27K
2002$6.08B234,078$26K
2001$6.06B234,247$26K
2000$6.05B235,146$26K
1999$5.78B235,412$25K
1998$5.54B235,710$24K
1997$5.31B236,863$22K
1996$5.08B239,246$21K
1995$5.04B244,736$21K
1994$4.98B250,964$20K
1993$4.89B252,682$19K
1992$4.78B253,819$19K
1991——$18K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in Oneida County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-04-01$25K$25K$0Yes
2026-03-31$34K$30K$4KYes
2025-06-22$28K$23K$5KYes
2025-06-18$4K$3K$977.87Yes
2025-06-09$677.58$677.58$0Yes
2025-03-06$8K$8K$0Yes
2025-03-05$5K$5K$0Yes
2024-08-09$6K$6K$0Yes
2023-12-18$4K$4K$0Yes
2023-12-18$5K$5K$0Yes
2023-12-18$11K$11K$0Yes
2023-12-18$11K$11K$0Yes
2023-04-07$7K$7K$0No
2023-04-06$20K$20K$0Yes
2023-04-06$3K$3K$0Yes
2023-04-05$31K$31K$0Yes
2022-02-18$6K$6K$0Yes
2022-01-16$5K$5K$0Yes
2021-08-20$644K$500K$144KNo
2021-08-19$3K$3K$0Yes
2021-08-19$12K$12K$0Yes
2021-08-19$0——Yes
2021-08-18$5K$5K$0Yes
2021-08-13$38K$38K$0Yes
2021-07-09$9K$9K$0Yes
2021-07-09$13K$13K$0Yes
2021-07-08$0——No
2021-07-08$20K$20K$0Yes
2020-01-16$0$0$0Yes
2020-01-01$0$0$0Yes
2019-11-02$3K$3K$0Yes
2019-11-01$96K$46K$50KNo
2019-11-01$1K$1K$0Yes
2019-11-01$17K$17K$0Yes
2019-11-01$61K$61K$0No
2019-11-01$226K$167K$59KNo
2019-11-01$8K$4K$4KYes
2019-11-01$50K$0$50KNo
2019-11-01$11K$11K$0Yes
2019-11-01$30K$30K$0Yes
2019-11-01$10K$10K$0Yes
2019-11-01$17K$17K$124.94Yes
2019-11-01$10K$10K$0Yes
2019-11-01$15K$15K$0Yes
2019-11-01$9K$9K$0Yes
2019-11-01$18K$18K$0Yes
2019-11-01$23K$23K$0Yes
2019-11-01$16K$0$16KNo
2019-11-01$4K$4K$0Yes
2019-11-01$23K$23K$0Yes
2019-11-01$72K$72K$0Yes
2019-11-01$6K$6K$0Yes
2019-11-01$2K$2K$0Yes
2019-11-01$41K$41K$0Yes
2019-11-01$19K$19K$0Yes
2019-11-01$19K$19K$0No
2019-10-31$92K$92K$0No
2019-10-31$20K$20K$0Yes
2019-10-31$13K$13K$0Yes
2019-10-31$62K$62K$0Yes
2019-10-31$5K$4K$857.59Yes
2019-10-31$9K$9K$0Yes
2019-10-31$21K$21K$0Yes
2019-10-31$24K$24K$0No
2019-10-31$54K$45K$9KNo
2019-10-31$47K$47K$0Yes
2019-10-31$78K$78K$0Yes
2019-10-31$11K$11K$0Yes
2019-10-31$14K$14K$0Yes
2019-10-31$23K$23K$0Yes
2019-10-31$75K$75K$0Yes
2019-10-31$23K$23K$390.16No
2019-10-31$36K$36K$0Yes
2019-10-31$14K$8K$6KYes
2019-10-31$28K$28K$0Yes
2019-10-31$20K$20K$0No
2019-10-31$60K$60K$0Yes
2019-10-31$83K$83K$0No
2019-10-31$26K$26K$0Yes
2019-10-31$28K$28K$0Yes
2019-10-31$40K$40K$0No
2019-10-31$6K$6K$0Yes
2019-10-31$36K$36K$0No
2019-10-31$12K$12K$0Yes
2019-10-31$398K$395K$2KNo
2019-10-31$0$0$0No
2019-10-31$48K$48K$0No
2019-10-31$0$0$0Yes
2019-10-31$11K$11K$0Yes
2019-10-31$5K$5K$0Yes
2019-10-31$11K$11K$0Yes
2019-10-31$20K$20K$0No
2019-10-31$8K$8K$0Yes
2019-10-31$13K$13K$0Yes
2019-10-31$2K$2K$0Yes
2019-10-31$0$0$0Yes
2019-10-31$14K$14K$0Yes
2019-10-31$8K$8K$0Yes
2019-10-31$6K$6K$0Yes
2019-10-31$100K$96K$4KNo

ALSO CHECKED

18 more data areas were checked for Oneida County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the NY state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN ONEIDA COUNTY →Opens the loan explorer already filtered to county FIPS 36065.

See the New York state market profile for the statewide picture, the New York state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.