Pathfinder Bank
Pathfinder Bank received 232 applications in 2025 and made 182 mortgages, in 16 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $140,000. Of 220 decisions, 23 were denials — 10.5%.
| Legal Entity Identifier | 254900WBNJ2MGXXXDY75 |
|---|---|
| Applications received | 232 |
| Mortgages made | 182 |
| Denied | 23 |
| Approved, not taken up | 15 |
| Withdrawn or incomplete | 12 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Pathfinder Bank, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 113 | Not published | $165,000 | 5.6% |
| Refinancing | 22 | Not published | $110,000 | 7.4% |
| Cash-out refinancing | 17 | Not published | $165,000 | 10.0% |
| Other purposes | 30 | Not published | $65,000 | 25.0% |
Where Pathfinder Bank lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Oswego County, NY | 83 | Not published | 12.5% |
| Onondaga County, NY | 74 | Not published | 9.2% |
| Madison County, NY | 5 | Under 10 loans | 14.3% |
| Oneida County, NY | 5 | Under 10 loans | 0.0% |
| Cayuga County, NY | 4 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Broome County, NY | 1 | Under 10 loans | 0.0% |
| Chenango County, NY | 1 | Under 10 loans | 0.0% |
| Delaware County, NY | 1 | Under 10 loans | 0.0% |
| Hamilton County, NY | 1 | Under 10 loans | 0.0% |
| Herkimer County, NY | 1 | Under 10 loans | 50.0% |
| Jefferson County, NY | 1 | Under 10 loans | 0.0% |
| Lewis County, NY | 1 | Under 10 loans | 0.0% |
| Monroe County, NY | 1 | Under 10 loans | 0.0% |
| Ontario County, NY | 1 | Under 10 loans | 0.0% |
| Travis County, TX | 1 | Under 10 loans | 0.0% |
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When Pathfinder Bank’s figures are published for the next year, or restated.
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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.