Applications / Mortgage Analytics / Lenders / New York / OwnersChoice Funding / Competition
OwnersChoice Funding
Albany, NY · Independent non-bank lender · CFPB · 75 loans in 2025
OwnersChoice Funding's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
75
loans originated, 2025
122
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Who OwnersChoice Funding competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — BUFFALO-CHEEKTOWAGA, NY, 2025
OwnersChoice Funding ranks 66th of 267 lenders in Buffalo-Cheektowaga, NY, with $7.4M lent: 0.2% of a $4.74B market.
Buffalo-Cheektowaga, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and OwnersChoice Funding in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 57% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO NEW YORK, 2025
OwnersChoice Funding ranks 165th of 377 lenders in non-metro New York, with $2.4M lent: 0.1% of a $3.97B market.
non-metro New York is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and OwnersChoice Funding in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — KIRYAS JOEL-POUGHKEEPSIE-NEWBURGH, NY, 2025
OwnersChoice Funding ranks 205th of 282 lenders in Kiryas Joel-Poughkeepsie-Newburgh, NY, with $900K lent: 0.0% of a $4.18B market.
Kiryas Joel-Poughkeepsie-Newburgh, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and OwnersChoice Funding in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — ROCHESTER, NY, 2025
OwnersChoice Funding ranks 152nd of 251 lenders in Rochester, NY, with $675K lent: 0.0% of a $4.78B market.
Rochester, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and OwnersChoice Funding in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 58% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — NON-METRO PENNSYLVANIA, 2025
OwnersChoice Funding ranks 433rd of 643 lenders in non-metro Pennsylvania, with $590K lent: 0.0% of a $5.62B market.
non-metro Pennsylvania is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and OwnersChoice Funding in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 28% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — PITTSBURGH, PA, 2025
OwnersChoice Funding ranks 401st of 571 lenders in Pittsburgh, PA, with $495K lent: 0.0% of a $11.33B market.
Pittsburgh, PA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and OwnersChoice Funding in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — KINGSTON, NY, 2025
OwnersChoice Funding ranks 176th of 184 lenders in Kingston, NY, with $185K lent: 0.0% of a $948.7M market.
Kingston, NY is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and OwnersChoice Funding in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — UTICA-ROME, NY, 2025
OwnersChoice Funding ranks 99th of 174 lenders in Utica-Rome, NY, with $390K lent: 0.0% of a $793.9M market.
Utica-Rome, NY is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and OwnersChoice Funding in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 60% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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OwnersChoice Funding and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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