Mortgage Lender Index

SEFCU SERVICES, LLC

SEFCU SERVICES, LLC received 2,747 applications in 2025 and made 2,334 mortgages, in 50 counties across 1 state. The median rate its borrowers got was 6.125% on a median loan of $275,000. Of 2,411 decisions, 51 were denials — 2.1%, most often for debt-to-income ratio. 12 of its applications carried no county and are counted here but on no county page.

Legal Entity Identifier549300RJW4T6MPVUPK44
Applications received2,747
Mortgages made2,334
Denied51
Approved, not taken up26
Withdrawn or incomplete336
Loans bought from other lenders0
Median rate spread over the prime offer rate-0.077 points
FDIC-insured bankThis lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.

By loan purpose

PurposeMortgages madeMedian rateMedian loanDenied
Home purchase2,140 6.125%$275,000 1.7%
Refinancing79 5.875%$265,000 3.6%
Cash-out refinancing115 6.375%$235,000 8.5%

Where SEFCU SERVICES, LLC lends most

The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.

CountyMortgages madeMedian rateDenied
Albany County, NY 6266.125%2.3%
Saratoga County, NY 3885.875%1.0%
Rensselaer County, NY 3156.125%2.4%
Schenectady County, NY 2716.125%0.7%
Onondaga County, NY 2196.250%0.9%
Oneida County, NY 826.375%1.2%
Erie County, NY 576.375%1.7%
Warren County, NY 366.125%2.6%
Broome County, NY 356.375%2.7%
Montgomery County, NY 356.250%7.9%
Herkimer County, NY 316.500%3.1%
Fulton County, NY 256.250%7.4%
Oswego County, NY 246.375%0.0%
Madison County, NY 236.000%0.0%
Washington County, NY 236.125%4.0%
Schoharie County, NY 166.063%0.0%
Otsego County, NY 136.375%0.0%
Columbia County, NY 126.063%0.0%
Tioga County, NY 125.875%0.0%
Greene County, NY 116.250%7.7%
Niagara County, NY 116.500%21.4%
Essex County, NY 106.313%8.3%
Franklin County, NY 6Under 10 loans0.0%
Jefferson County, NY 5Under 10 loans0.0%
Chenango County, NY 4Under 10 loans0.0%
Rockland County, NY 4Under 10 loans20.0%
Tompkins County, NY 4Under 10 loans0.0%
Cayuga County, NY 3Under 10 loans0.0%
Delaware County, NY 3Under 10 loans25.0%
Suffolk County, NY 3Under 10 loans0.0%
Sullivan County, NY 3Under 10 loans0.0%
Clinton County, NY 2Under 10 loans0.0%
Cortland County, NY 2Under 10 loans0.0%
Monroe County, NY 2Under 10 loans0.0%
Orleans County, NY 2Under 10 loans0.0%
St. Lawrence County, NY 2Under 10 loans0.0%
Westchester County, NY 2Under 10 loans0.0%
Wyoming County, NY 2Under 10 loans0.0%
Cattaraugus County, NY 1Under 10 loans50.0%
Chautauqua County, NY 1Under 10 loans0.0%
Dutchess County, NY 1Under 10 loans0.0%
Hamilton County, NY 1Under 10 loans0.0%
Lewis County, NY 1Under 10 loans0.0%
Ontario County, NY 1Under 10 loans0.0%
Orange County, NY 1Under 10 loans0.0%
Putnam County, NY 1Under 10 loans0.0%
Seneca County, NY 1Under 10 loans0.0%
Ulster County, NY 1Under 10 loans0.0%
Steuben County, NY 0Under 10 loansNot published
Wayne County, NY 0Under 10 loans100.0%

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When SEFCU SERVICES, LLC’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.