Geddes Federal Savings and Loan Association in New York vs the state
6.4%Denial rate-13.33 pts vs state
7.1%Decision denial rate-16.95 pts vs state
79.9%Origination rate+20.28 pts vs state
6.25%Median rate-0.38 pts vs state
-0.14Rate spread (pts)-0.35 pts vs state
$143kMedian applicant income
373Loans originated
30Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 503 | 405 | 6.2% | 6.00% | #113 |
| 2024 | 410 | 334 | 7.8% | 6.38% | #137 |
| 2025 | 467 | 373 | 6.4% | 6.25% | #139 |
What Geddes Federal Savings and Loan Association lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Geddes Federal Savings and Loan Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Onondaga County | 330 | 263 | 23 | 7.0% |
| Oneida County | 45 | 36 | 1 | 2.2% |
| Madison County | 38 | 30 | 3 | 7.9% |
| Oswego County | 19 | 16 | 1 | 5.3% |
| Cayuga County | 14 | 12 | 1 | 7.1% |
| Cortland County | 10 | 8 | 1 | 10.0% |
| Seneca County | 6 | 4 | 0 | 0.0% |
| Tompkins County | 2 | 2 | 0 | 0.0% |
| Tioga County | 1 | 1 | 0 | 0.0% |
| Chenango County | 1 | 0 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 467 applications in 2025, of which 373 were originated and 30 denied.
6.4% of all applications, or 7.1% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Geddes Federal Savings and Loan Association originated in New York in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Geddes Federal Savings and Loan Association's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology