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Onondaga County, New York · 2025

Mortgage lenders in Onondaga County, NY: denial rates and top lenders (2025)

256 lenders acted on 13,037 mortgage applications for properties in Onondaga County in 2025. 16.9% were denied (New York: 19.8%). Median rate on closed loans 6.74%; median loan $145,000; median property value $275,000.

13kApplications
16.9%Denial ratestate 19.8%
6.74%Median ratestate 6.63%
$145,000Median loan
$275,000Median property value

Largest lenders in Onondaga County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Empower Federal Credit Union B 2,4491,820 14.1%7.25%
2 AMERICU Credit Union C 1,002715 21.4%6.24%
3 Manufacturers and Traders Trust C 708390 30.2%5.99%
4 Rocket Mortgage C 690493 20.1%6.75%
5 Citizens Bank C 360210 30.0%8.40%
6 Geddes Federal Savings and Loan Association B 330263 7.0%6.25%
7 Broadview Federal Credit Union C 329210 24.6%6.25%
8 Sidney Federal Credit Union B 288245 6.6%6.00%
9 NBT Bank B 274178 18.6%5.00%
10 KeyBank C 270161 25.9%6.50%
11 Movement Mortgage A 253200 3.6%6.75%
12 Bank of America F 24595 37.6%6.25%
13 Sefcu Services A 229219 0.9%6.25%
14 Everett Financial C 227180 4.9%6.63%
15 Solvay Bank B 227192 4.9%—
16 Hunt Mortgage B 218160 6.4%6.63%
17 Homestead Funding A 207188 0.5%6.63%
18 Premium Mortgage A 207176 3.4%6.63%
19 THE SUMMIT Federal Credit Union C 197101 31.0%7.00%
20 JPMorgan Chase Bank B 184114 13.0%6.63%
21 Genesee Regional Bank B 175134 8.6%6.88%
22 United Shore Financial Services B 162128 6.8%6.13%
23 Community Bank D 15798 14.7%7.00%
24 Crosscountry Mortgage B 154105 5.2%6.88%
25 Navy Federal Credit Union D 15163 25.2%7.75%

Best approval odds in Onondaga County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
11st Priority Mortgage620.0%
2Homestead Funding1900.5%
3Sefcu Services2210.9%
4The Lyons National Bank583.5%
5Premium Mortgage1843.8%
6Movement Mortgage2343.9%
7Solvay Bank2095.3%
8SECNY Federal Credit Union705.7%
9Everett Financial1925.7%
10Syracuse Fire Department Employees506.0%

What Onondaga County borrowers applied for

By loan purpose

Home purchase 5,525 42% · 8.8% denied
Refinance 1,244 10% · 19.3% denied
Cash-out refinance 2,071 16% · 17.3% denied
Home improvement 2,513 19% · 23.5% denied
Other / HELOC 1,684 13% · 31.4% denied

By loan type

Conventional 11,711 90% · 16.8% denied
FHA 872 7% · 20.8% denied
VA 453 3% · 13.3% denied
USDA / RHS 1 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 651 30%
Credit history 646 30%
Collateral 334 15%
Other 279 13%
Incomplete application 131 6%
Unverifiable information 66 3%
Insufficient cash 31 1%
Employment history 30 1%

Onondaga County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202311,6057,73117.5%6.74%$125,000
202411,9897,92018.2%6.88%$135,000
202513,0378,76416.9%6.74%$145,000

Frequently asked questions

16.9% of applications in Onondaga County were denied in 2025, against 19.8% statewide in New York.

Empower Federal Credit Union, with 2,449 applications in 2025 and a denial rate of 14.1%.

The median mortgage application in Onondaga County in 2025 was for $145,000; the median property value on originated loans was $275,000.