Mortgage Lenders and Brokers in Utica, New York
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Utica, New York mortgage lenders include Keybank National AssociationKeybank National Association1125 Mohawk St, Utica, NY 13501A+5.0 ★Texas Ratio: 4.81%, Adirondack BankAdirondack Bank2817 Genesee St, Utica, NY 13501B4.1 ★Texas Ratio: 7.18%, M&T BankM&T Bank233 Genesee St, Utica, NY 13501A+5.0 ★Texas Ratio: 4.11%, Nbt Bank NANbt Bank NA270 Genesee St, Utica, NY 13502A+5.0 ★Texas Ratio: 3.43%, Beacon Bank & TrustBeacon Bank & Trust50 Auert Ave, Utica, NY 13502A+5.0 ★Texas Ratio: 5.36%, Citizens Bank, NACitizens Bank, NA90 N Genesee St, Utica, NY 13502A+5.0 ★Texas Ratio: 5.44%, Americu Credit UnionAmericu Credit Union224 N Genesee St STE 3, Utica, NY 13502 2514A-5.0 ★Texas Ratio: 14.76%, GPO Federal Credit UnionGPO Federal Credit Union301 Bleecker St, Utica, NY 13501A+5.0 ★Texas Ratio: 1.66%, SEFCU Services, LLCSEFCU Services, LLC180 N Main St, Alfred, NY 14802A5.0 ★Texas Ratio: 8.82%, and Community Bank, N.A.Community Bank, N.A.26 E Church St, Adams, NY 13605A+5.0 ★Texas Ratio: 3.83%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Utica, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Utica are listed first, then lenders elsewhere in New York, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Utica, New York
Market share is the lender's share of all home loans closed in Utica, New York. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Utica 1125 Mohawk St, Utica, NY 13501 A+5.0 ★Texas Ratio: 4.81% |
Conventional, FHA, VA, HELOC | 35 +1 HELOCs |
6.6% | 83.7% | $154,142 | View |
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2817 Genesee St, Utica, NY 13501 B4.1 ★Texas Ratio: 7.18% |
Conventional | 35 | 6.6% | 81.8% | $163,000 | View |
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2 offices in Utica 233 Genesee St, Utica, NY 13501 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, HELOC | 22 +11 HELOCs |
4.2% | 61.1% | $142,272 | View |
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1 office in Utica 270 Genesee St, Utica, NY 13502 A+5.0 ★Texas Ratio: 3.43% |
Conventional, FHA, HELOC | 13 +8 HELOCs |
2.5% | 100% | $127,307 | View |
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1 office in Utica 50 Auert Ave, Utica, NY 13502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.4% | 100% | $160,000 | View |
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1 office in Utica 90 N Genesee St, Utica, NY 13502 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +12 HELOCs |
0.2% | 100% | $205,000 | View |
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★ 1 stars, 1 review 224 N Genesee St STE 3, Utica, NY 13502 2514 A-5.0 ★Texas Ratio: 14.76% |
Conventional, FHA, HELOC | 59 +12 HELOCs |
11.2% | 72.8% | $150,084 | View |
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301 Bleecker St, Utica, NY 13501 A+5.0 ★Texas Ratio: 1.66% |
Conventional, HELOC | 23 +31 HELOCs |
4.3% | 95.8% | $175,000 | View |
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180 N Main St, Alfred, NY 14802 A5.0 ★Texas Ratio: 8.82% |
Conventional, FHA, VA | 19 | 3.6% | 100% | $193,947 | View |
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26 E Church St, Adams, NY 13605 A+5.0 ★Texas Ratio: 3.83% |
Conventional, HELOC | 15 +1 HELOCs |
2.8% | 100% | $167,000 | View |
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4839 State Highway 30, Amsterdam, NY 12010 A5.0 ★Texas Ratio: 6.03% |
Conventional | 6 | 1.1% | 100% | $175,000 | View |
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1 S Airmont Rd, Airmont, NY 10901 A+5.0 ★Texas Ratio: 3.68% |
FHA, VA | 3 | 0.6% | 50% | $218,333 | View |
Geddes Federal Savings and Loan Association
2208 W Genesee St, Syracuse, NY 13219 |
Conventional | 3 | 0.6% | 100% | $195,000 | |
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1928 Genesee St, Utica, NY 13502 5627 A5.0 ★Texas Ratio: 7.78% |
Conventional, HELOC | 2 +6 HELOCs |
0.4% | 66.7% | $155,000 | View |
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258 Genesee St, Utica, NY 13502 C-3.6 ★Texas Ratio: 31.30% |
Conventional | 2 | 0.4% | 100% | $90,000 | View |
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1850 Winton Rd S, Rochester, NY 14618 A+5.0 ★Texas Ratio: 3.91% |
FHA, VA | 2 | 0.4% | 66.7% | $135,000 | View |
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74 Main St, Camden, NY 13316 A+5.0 ★Texas Ratio: 4.43% |
Conventional | 1 | 0.2% | 100% | $215,000 | View |
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1704 Western Ave Ste 7, Albany, NY 12203 A+5.0 ★Texas Ratio: 3.35% |
Conventional | 1 | 0.2% | 100% | $135,000 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.2% | 50% | $85,000 | View |
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21245 Northern Blvd, Bayside, NY 11361 A+5.0 ★Texas Ratio: 3.17% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
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125 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
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575 Broadway, Albany, NY 12207 A5.0 ★Texas Ratio: 6.36% |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
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1145 Willis Ave, Albertson, NY 11507 1232 B+4.8 ★Texas Ratio: 17.52% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2882 Niagara Falls Blvd, Amherst, NY 14228 A5.0 ★Texas Ratio: 10.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Source Federal Credit Un
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Conventional, HELOC | 79 +23 HELOCs |
14.9% | 69.2% | $73,734 | |
Homestead Funding Corp.
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Conventional, FHA | 33 | 6.2% | 97.1% | $212,575 | |
Premium Mortgage Corporation
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Conventional, FHA, VA | 22 | 4.2% | 100% | $204,545 | |
Hunt Mortgage Corporation
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Conventional, FHA | 9 | 1.7% | 83.3% | $237,222 | |
East Coast Capital Corp.
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Conventional, FHA | 6 | 1.1% | 100% | $173,333 | |
Utica Gas & Electric FCU
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Conventional | 3 | 0.6% | 100% | $125,000 | |
1St Priority Mortgage, Inc.
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Conventional, FHA, VA | 3 | 0.6% | 100% | $191,666 | |
Meadowbrook Financial Mortgage Bankers Corp.
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Conventional | 2 | 0.4% | 100% | $150,000 | |
OwnersChoice Funding, Inc.
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Interstate Home Loan Center, Inc.
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Conventional | 1 | 0.2% | 100% | $135,000 | |
Nationwide Mortgage Bankers, Inc.
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FHA | 1 | 0.2% | 100% | $115,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.2% | 100% | $205,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 38 | 7.2% | 71.2% | $142,631 | |
Plaza Home Mortgage, Inc
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Conventional, FHA, VA | 19 | 3.6% | 65.5% | $163,947 | |
Movement Mortgage, LLC
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Conventional, FHA | 14 | 2.6% | 88.9% | $154,285 | |
loanDepot.com LLC
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Conventional, FHA | 9 | 1.7% | 90% | $149,444 | |
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D3.5 ★Texas Ratio: 32.93% |
Conventional, FHA | 4 | 0.8% | 66.7% | $160,000 | View |
United Wholesale Mortgage
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Conventional | 3 | 0.6% | 100% | $191,666 | |
Primelending
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Conventional, FHA | 3 | 0.6% | 100% | $168,333 | |
Freedom Mortgage Corporation
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Conventional, FHA | 3 | 0.6% | 100% | $151,666 | |
Newrez LLC
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FHA, VA | 3 | 0.6% | 50% | $165,000 | |
CrossCountry Mortgage, LLC
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FHA, VA | 3 | 0.6% | 100% | $221,666 | |
Mortgage Research Center
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Conventional, VA | 3 | 0.6% | 100% | $175,000 | |
Planet Home Lending, LLC
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FHA | 2 | 0.4% | 100% | $190,000 | |
Uif Corporation
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Conventional | 2 | 0.4% | 66.7% | $135,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 2 | 0.4% | 66.7% | $115,000 | |
HomeBridge Financial Services, Inc
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FHA, HELOC | 1 +1 HELOCs |
0.2% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.2% | 50% | $235,000 | View |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.2% | 100% | $75,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $165,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.2% | 100% | $135,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $215,000 | |
American Financial Network, Inc.
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VA | 1 | 0.2% | 100% | $215,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.2% | 100% | $285,000 | |
Discover Bank
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Conventional | 1 | 0.2% | 20% | $55,000 | |
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A+5.0 ★Texas Ratio: 1.41% |
VA | 1 | 0.2% | 100% | $215,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 100% | $85,000 | View |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 0.2% | 100% | $245,000 | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% |
Utica Mortgage Rate Trends
Daily average mortgage rates for New York compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Utica, New York
Looking for mortgage lenders near me or mortgage brokers near me in Utica? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Utica in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Utica, NY
Use these to narrow the list above. Each category shows how many Utica, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Utica, NY
Independent mortgage companies closed 35.7 percent of home loans in Utica, New York in 2025, banks 27.4 percent and credit unions 36.9 percent. Homestead Funding Corp. was the largest mortgage company, Keybank National Association the largest bank and Americu Credit Union the largest credit union. Among lenders headquartered in New York, Adirondack Bank led with 35 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in New York. State mortgage recording tax of 0.5 percent plus a 0.25 percent special additional tax (paid by the lender on one to six family homes) and 0.25 percent more in the MCTD counties; in New York City the combined rate is 2.05 percent under $500,000 and 2.175 percent at or above, of which the borrower effectively pays 1.8 or 1.925 percent. State transfer tax is $2 per $500 plus a 1 percent mansion tax on homes of $1 million or more; NYC adds its own 1 to 1.425 percent RPTT. A CEMA (consolidation, extension and modification agreement) assigns the old mortgage to the new lender so recording tax is paid only on new money, and is standard practice for refinances and many purchases.
More New York Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Utica, NY
By home loans closed in 2025, Keybank National Association was the largest mortgage lender in Utica, New York with 35 loans, about 6.6 percent of the market. The largest lender headquartered in New York was Adirondack Bank with 35 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Utica, New York, Americu Credit Union approved the highest share of completed applications in 2025 at 72.8 percent, against a 79.5 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
27 lenders closed FHA loans in Utica, New York in 2025, led by Americu Credit Union with 14. 14 lenders closed VA loans, led by Rocket Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 20 banks and 14 credit unions closed home loans in Utica, New York in 2025, alongside 30 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Utica, New York during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Utica, New York for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Utica. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
