New York · HMDA 2025
Mortgage lenders in Onondaga County, NY
257 lenders reported 14,198 home-loan applications in Onondaga County in 2025. 8,764 closed as loans ($1.9B), 2,204 were denied — a 19.5% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 30% of applications, led by Empower Federal Credit Union. 19 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 14,198
- Loans originated
- 8,764
- Purchase / refinance
- 4,198 / 2,036
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Onondaga County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Empower Federal Credit Union 59 out of 100, Moderate | 2,475 | 17.4% | 17.2% |
| 2 | AMERICU Credit Union 48 out of 100, Below average | 1,002 | 7.1% | 28.4% |
| 3 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 721 | 5.1% | 32.9% |
| 4 | Rocket Mortgage, LLC | 702 | 4.9% | — |
| 5 | Citizens Bank, National Association 54 out of 100, Below average | 547 | 3.9% | 32.5% |
| 6 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 458 | 3.2% | 14.1% |
| 7 | Geddes Federal Savings and Loan Association 74 out of 100, Strong | 332 | 2.3% | 7.1% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 329 | 2.3% | — |
| 9 | Broadview Federal Credit Union 59 out of 100, Moderate | 329 | 2.3% | 29.9% |
| 10 | NBT Bank, National Association 64 out of 100, Moderate | 303 | 2.1% | 23.4% |
| 11 | Sidney Federal Credit Union 67 out of 100, Moderate | 288 | 2.0% | 13.9% |
| 12 | KeyBank National Association 63 out of 100, Moderate | 271 | 1.9% | 32.8% |
| 13 | NEWREZ LLC | 260 | 1.8% | — |
| 14 | MOVEMENT MORTGAGE, LLC | 253 | 1.8% | — |
| 15 | Bank of America, National Association 59 out of 100, Moderate | 248 | 1.7% | 44.7% |
| 16 | Solvay Bank 67 out of 100, Moderate | 240 | 1.7% | 6.3% |
| 17 | SEFCU SERVICES, LLC | 229 | 1.6% | — |
| 18 | EVERETT FINANCIAL, INC. | 227 | 1.6% | — |
| 19 | HUNT MORTGAGE CORPORATION | 218 | 1.5% | — |
| 20 | PREMIUM MORTGAGE CORPORATION | 207 | 1.5% | — |
| 21 | HOMESTEAD FUNDING CORP. | 207 | 1.5% | — |
| 22 | THE SUMMIT Federal Credit Union | 197 | 1.4% | — |
| 23 | Genesee Regional Bank 72 out of 100, Strong | 175 | 1.2% | 5.7% |
| 24 | UNITED SHORE FINANCIAL SERVICES, LLC | 162 | 1.1% | — |
| 25 | Community Bank, National Association 62 out of 100, Moderate | 157 | 1.1% | 18.9% |
| 26 | CROSSCOUNTRY MORTGAGE, INC. | 154 | 1.1% | — |
| 27 | Navy Federal Credit Union 66 out of 100, Moderate | 151 | 1.1% | 32.9% |
| 28 | TRIAD FINANCIAL SERVICES, INC. | 133 | 0.9% | — |
| 29 | NORTHERN CREDIT UNION | 112 | 0.8% | — |
| 30 | NATIONSTAR MORTGAGE LLC | 109 | 0.8% | — |
| 31 | Tompkins Community Bank 60 out of 100, Moderate | 102 | 0.7% | 19.9% |
| 32 | Loandepot.Com, LLC | 101 | 0.7% | — |
| 33 | Visions Federal Credit Union 64 out of 100, Moderate | 99 | 0.7% | 32.6% |
| 34 | Discover Bank | 96 | 0.7% | — |
| 35 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 94 | 0.7% | — |
| 36 | Pathfinder Bank | 93 | 0.7% | — |
| 37 | Mortgage Research Center, LLC | 89 | 0.6% | — |
| 38 | FREEDOM MORTGAGE CORPORATION | 79 | 0.6% | — |
| 39 | SECNY Federal Credit Union 56 out of 100, Moderate | 78 | 0.5% | 10.6% |
| 40 | Seneca Savings 51 out of 100, Below average | 76 | 0.5% | 13.7% |
Top 40 of 257 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in New York
- Suffolk County 51,239 apps
- Nassau County 38,055 apps
- Queens County 29,227 apps
- Erie County 26,759 apps
- Kings County 26,693 apps
- Monroe County 26,027 apps
- Westchester County 22,127 apps
- New York County 13,421 apps
- Orange County 13,396 apps
- Richmond County 10,170 apps
- Albany County 9,902 apps
- Rockland County 9,168 apps