Geddes Federal Savings and Loan Association
Geddes Federal Savings and Loan Association received 467 applications in 2025 and made 373 mortgages, in 11 counties across 1 state. The median rate its borrowers got was 6.250% on a median loan of $215,000. Of 423 decisions, 30 were denials — 7.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300XZF8VZFNRNBW38 |
|---|---|
| Applications received | 467 |
| Mortgages made | 373 |
| Denied | 30 |
| Approved, not taken up | 20 |
| Withdrawn or incomplete | 44 |
| Loans bought from other lenders | 2 |
| Median rate spread over the prime offer rate | -0.143 points |
| FDIC-insured bank | Yes: Geddes Federal Savings and Loan Association, 1 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 234 | 6.063% | $255,000 | 4.2% |
| Refinancing | 12 | 6.063% | $200,000 | 7.1% |
| Cash-out refinancing | 20 | 6.000% | $180,000 | 9.1% |
| Other purposes | 107 | 6.750% | $105,000 | 12.6% |
Where Geddes Federal Savings and Loan Association lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Onondaga County, NY | 263 | 6.250% | 7.7% |
| Oneida County, NY | 36 | 5.875% | 2.4% |
| Madison County, NY | 30 | 6.125% | 8.8% |
| Oswego County, NY | 16 | 6.063% | 5.3% |
| Cayuga County, NY | 12 | 6.500% | 7.7% |
| Cortland County, NY | 8 | Under 10 loans | 11.1% |
| Seneca County, NY | 4 | Under 10 loans | 0.0% |
| Tompkins County, NY | 2 | Under 10 loans | 0.0% |
| Tioga County, NY | 1 | Under 10 loans | 0.0% |
| Wayne County, NY | 1 | Under 10 loans | 0.0% |
| Chenango County, NY | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.