DSCR Loans in Oneida County, New York
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 61 lenders made 242 investment-property loans in Oneida County, 1.1% of New York's total. Dominick Prevete arranges DSCR loans across Oneida County, New York, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $190,000.
Oneida County investor market at a glance
| Statistic | Oneida County | New York | County rank |
|---|---|---|---|
| Investor loans | 242 | 22,268 | 20th of 26 |
| Reporting lenders | 61 | 396 | 19th of 26 |
| Loan volume | $39.8M | $11.65B | 22nd of 26 |
| Average loan | $164K | $523K | 22nd of 26 |
| Median loan | $135K | $405K | 21st of 26 |
| Purchases | 57.9% | 59.1% | 19th of 26 |
| Cash-out refinances | 15.7% | 25.7% | 25th of 26 |
| 2–4 unit properties | 55.0% | 44.0% | 10th of 26 |
| Top five lenders' share | 37.6% | 22.4% | 11th of 26 |
| Reported business-purpose | 80.6% | 85.6% | 20th of 26 |
Oneida County: closed-end loans on 1–4 unit investment properties. Oneida County's rank is highest first, among New York's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Oneida County's investor loans.
What stands out in Oneida County
15.7% of Oneida County's investor loans were cash-out refinances, the 2nd-lowest share of New York's 26 counties with published data (statewide: 25.7%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
The median investor loan in Oneida County was $135K, the 4th-lowest median of New York's 26 counties with published data (statewide: $405K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Oneida County?
At HUD's fair market rent of $1,442 for a 3-bedroom in Oneida County, New York, a rental covers its full DSCR payment up to a purchase price of about $190,000, with 20% down at the 7.25% starting rate (November 2026). Oneida County's median home value is $182,600; at that price the payment is $1,380 a month, so the property would need $1,400 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,210 / $1,442 / $1,636 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $182,600 |
| Median property taxes and effective rate | $3,690 (2.02% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,380 |
| Rent needed to cover that payment | $1,400 |
| Coverage of a 3-bedroom at fair market rent | 1.04 |
| Highest price a 3-bedroom at fair market rent covers | about $190,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $320,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Oneida County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Oneida County?
The most active investment-property lenders in Oneida County in 2025 HMDA data were FIRST SOURCE; Kiavi Funding, Inc.; and Loan Funder LLC, out of 61 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including several that reported in Oneida County, and matches each file to the one most likely to fund it.
Oneida County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 242 loans and $39.8M from 61 lenders. FIRST SOURCE led Oneida County with 38 loans, 15.7% of the county's total, and the average Oneida County loan of $164K compares with $523K across New York.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| FIRST SOURCE | 38 | $7.2M | $189K | 44.7% |
| Kiavi Funding, Inc. | 17 | $2.2M | $132K | 23.5% |
| Loan Funder LLC | 14 | $4.3M | $307K | 50.0% |
| Community Bank, National Association | 13 | $1.9M | $148K | 84.6% |
| AMERICU Credit Union | 9 | $1.8M | $198K | 55.6% |
| Utica Gas & Electric Federal Credit Union | 9 | $1.5M | $168K | 11.1% |
| PLAZA HOME MORTGAGE, INC. | 9 | $1.1M | $119K | 77.8% |
| PREMIUM MORTGAGE CORPORATION | 8 | $1.3M | $164K | 100.0% |
| LENDINGONE, LLC | 8 | $1.1M | $133K | 62.5% |
| Rocket Mortgage, LLC | 7 | $0.7M | $94K | 28.6% |
| Emporium TPO LLC | 6 | $1.5M | $253K | 0.0% |
| Adirondack Bank | 6 | $1.0M | $162K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 6 | $0.8M | $133K | 100.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | $0.5M | $91K | 60.0% |
| 21st Mortgage Corporation | 5 | $0.4M | $75K | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | $0.9M | $235K | 25.0% |
| EAST COAST CAPITAL CORP. | 4 | $0.6M | $158K | 75.0% |
| NBT Bank, National Association | 4 | $0.6M | $140K | 75.0% |
| HOMESTEAD FUNDING CORP. | 4 | $0.5M | $118K | 100.0% |
| HUNT MORTGAGE CORPORATION | 3 | $0.6M | $195K | 100.0% |
| Hometown Equity Mortgage, LLC | 3 | $0.6M | $188K | 66.7% |
| JPMorgan Chase Bank, National Association | 3 | $0.5M | $178K | 66.7% |
| AMERICAN HERITAGE LENDING, LLC | 3 | $0.4M | $148K | 33.3% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 3 | $0.4M | $142K | 66.7% |
| SEFCU SERVICES, LLC | 3 | $0.4M | $138K | 66.7% |
617 New York loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Oneida County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Oneida County CSV, all 25 lenders
What Oneida County's table can't show you: fit. Short-term financing is exempt from HMDA, so Oneida County's fix-and-flip and bridge lenders barely appear among its 61 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including several on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Oneida County, New York deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Oneida County, New York property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Oneida County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 61 lenders and 242 loans: 2025 HMDA loan-level data rolled up to Oneida County.
- Oneida County investor-lender dataset (CSV) — All 25 lenders in the Oneida County, New York table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Oneida County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Utica-Rome, NY MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Oneida County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.