Geddes Federal Savings and Loan Association at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
62nd7.1% deniedPricingmedian rate spread over APOR, weight 30%
89th-0.14 ptsProcesswithdrawn + incomplete share, weight 15%
61st9.4%Closing coststotal loan costs ÷ loan amount, weight 10%
43rd2.11% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 503 | 405 | 6.2% | 6.8% | 6.00% | $84M |
| 2024 | 410 | 334 | 7.8% | 8.4% | 6.38% | $72M |
| 2025 | 467 | 373 | 6.4% | 7.1% | 6.25% | $94M |
What Geddes Federal Savings and Loan Association lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 85 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 9 investment properties.
Why Geddes Federal Savings and Loan Association denies applications
Primary reason reported for each of the 30 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Geddes Federal Savings and Loan Association
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 25 | 14 | 33.3% |
| $50k – $100k | 121 | 94 | 8.4% |
| $100k – $150k | 98 | 77 | 9.8% |
| $150k – $250k | 122 | 106 | 2.6% |
| Over $250k | 96 | 81 | 2.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 118 | 100 | 4.5% |
| 35–44 | 124 | 103 | 6.1% |
| 45–54 | 85 | 63 | 13.0% |
| 55–64 | 72 | 56 | 6.5% |
| 65–74 | 38 | 28 | 3.1% |
Where Geddes Federal Savings and Loan Association lends
1 states and 11 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 467 | 373 | 6.4% | 6.25% | #139 |
Frequently asked questions
Geddes Federal Savings and Loan Association denied 7.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 62nd percentile of small mortgage lenders.
The most common reason Geddes Federal Savings and Loan Association gave in 2025 was "debt-to-income ratio", cited on 33.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Geddes Federal Savings and Loan Association originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was -0.14 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 59% of its applications were for home purchases, 9% for refinancing (including cash-out), and 31% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.