Mortgage lenders in Onondaga County
8,764 mortgages were made in Onondaga County, New York, in 2025, by 258 lenders. The median rate their borrowers got was 6.650% on a median loan of $155,000. Of 11,273 decisions, 2,203 were denials — 19.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Empower Federal Credit Union | 1,820 | 7.250% | $105,000 | 15.6% |
| AMERICU Credit Union | 715 | 6.240% | $105,000 | 23.0% |
| Rocket Mortgage, LLC | 493 | 6.750% | $155,000 | 21.6% |
| Manufacturers and Traders Trust Company | 390 | 5.990% | $115,000 | 33.8% |
| Geddes Federal Savings and Loan Association | 263 | 6.250% | $215,000 | 7.7% |
| Sidney Federal Credit Union | 245 | 6.000% | $225,000 | 7.0% |
| SEFCU SERVICES, LLC | 219 | 6.250% | $245,000 | 0.9% |
| Citizens Bank, National Association | 210 | 8.400% | $110,000 | 33.4% |
| Broadview Federal Credit Union | 210 | 6.245% | $75,000 | 27.7% |
| MOVEMENT MORTGAGE, LLC | 200 | 6.750% | $225,000 | 3.9% |
| Solvay Bank | 192 | Not published | $210,000 | 5.3% |
| HOMESTEAD FUNDING CORP. | 188 | 6.625% | $235,000 | 0.5% |
| EVERETT FINANCIAL, INC. | 180 | 6.500% | $210,000 | 5.7% |
| NBT Bank, National Association | 178 | 5.000% | $155,000 | 20.7% |
| PREMIUM MORTGAGE CORPORATION | 176 | 6.625% | $235,000 | 3.8% |
| KeyBank National Association | 161 | 6.500% | $155,000 | 29.5% |
| HUNT MORTGAGE CORPORATION | 160 | 6.625% | $235,000 | 7.8% |
| Genesee Regional Bank | 134 | 6.875% | $205,000 | 9.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 128 | 6.125% | $215,000 | 7.9% |
| JPMorgan Chase Bank, National Association | 114 | 6.625% | $215,000 | 17.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 105 | 6.875% | $235,000 | 6.8% |
| THE SUMMIT Federal Credit Union | 101 | 7.000% | $75,000 | 36.8% |
| Community Bank, National Association | 98 | 7.000% | $155,000 | 18.9% |
| Bank of America, National Association | 95 | 6.250% | $105,000 | 48.9% |
| NORTHERN CREDIT UNION | 88 | 6.250% | $160,000 | 13.0% |
| Tompkins Community Bank | 87 | 6.250% | $205,000 | 8.3% |
| Pathfinder Bank | 74 | Not published | $155,000 | 9.2% |
| SECNY Federal Credit Union | 66 | 6.500% | $135,000 | 5.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 65 | 6.625% | $195,000 | 10.8% |
| Navy Federal Credit Union | 63 | 7.750% | $135,000 | 37.3% |
| 1ST PRIORITY MORTGAGE, INC. | 62 | 6.375% | $255,000 | 0.0% |
| Visions Federal Credit Union | 60 | 7.000% | $140,000 | 23.8% |
| TRIAD FINANCIAL SERVICES, INC. | 57 | 8.000% | $75,000 | 39.9% |
| Loandepot.Com, LLC | 57 | 6.990% | $135,000 | 33.3% |
| Seneca Savings | 57 | Not published | $175,000 | 12.1% |
| The Lyons National Bank | 56 | 6.750% | $170,000 | 3.5% |
| SYRACUSE FIRE DEPARTMENT EMPLOYEES | 47 | 6.490% | $55,000 | 6.0% |
| Mortgage Research Center, LLC | 45 | 6.250% | $265,000 | 27.7% |
| PENNYMAC LOAN SERVICES, LLC | 44 | 6.250% | $210,000 | 32.3% |
| NEWREZ LLC | 43 | 6.750% | $185,000 | 36.6% |
| Fulton Savings Bank | 42 | Not published | $170,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 38 | 6.990% | $165,000 | 23.5% |
| CFCU COMMUNITY Credit Union | 34 | 6.063% | $160,000 | 14.6% |
| Loan Funder LLC | 33 | 7.820% | $145,000 | 26.7% |
| PLAZA HOME MORTGAGE, INC. | 32 | 6.495% | $185,000 | 31.9% |
| ACMG Federal Credit Union | 28 | 6.000% | $50,000 | 17.7% |
| Wells Fargo Bank, National Association | 27 | 6.625% | $195,000 | 18.2% |
| Kiavi Funding, Inc. | 26 | 9.325% | $150,000 | 13.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 25 | 8.440% | $235,000 | 10.7% |
| USAA Federal Savings Bank | 23 | 6.625% | $265,000 | 37.5% |
| FREEDOM MORTGAGE CORPORATION | 20 | 6.750% | $215,000 | 39.4% |
| ROYAL UNITED MORTGAGE LLC | 18 | 6.625% | $115,000 | 30.8% |
| RELIANCE FIRST CAPITAL, LLC | 18 | 6.625% | $200,000 | 13.6% |
| HOME TOWN FUNDING, INC. | 18 | 6.813% | $225,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 17 | 6.125% | $155,000 | 43.2% |
| U.S. Bank National Association | 17 | 6.625% | $225,000 | 37.9% |
| TD Bank, National Association | 17 | 6.750% | $455,000 | 19.1% |
| Ukrainian Federal Credit Union | 17 | 6.375% | $215,000 | 0.0% |
| Farm Credit East, ACA | 16 | 6.925% | $375,000 | 0.0% |
| Discover Bank | 15 | 9.500% | $65,000 | 76.9% |
| LENDINGONE, LLC | 12 | 7.650% | $125,000 | 60.0% |
| 21st Mortgage Corporation | 11 | 11.270% | $65,000 | 69.4% |
| PNC Bank, National Association | 11 | 7.250% | $155,000 | 42.1% |
| AUBURN COMMUNITY FEDERAL CREDIT UNION | 11 | 6.490% | $55,000 | 21.4% |
| DEEPHAVEN MORTGAGE LLC | 11 | 7.625% | $225,000 | 15.4% |
| Barrington Bank & Trust Company, National Association | 11 | 6.750% | $215,000 | 8.3% |
| PENTAGON FEDERAL CREDIT UNION | 10 | 6.375% | $295,000 | 44.4% |
| FIGURE LENDING LLC | 10 | 8.275% | $110,000 | 18.8% |
| BPL MORTGAGE TRUST, LLC | 10 | 7.625% | $90,000 | 8.3% |
| AMERICAN HERITAGE LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| CONSTRUCTIVE LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 17.7% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CHAMPIONS FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Metro City Bank | 8 | Under 10 loans | Under 10 loans | 10.0% |
| GUIDANCE RESIDENTIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| DOMINION FINANCIAL SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 11.1% |
| FIRST SOURCE | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 66.7% |
| Berkshire Bank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| CORNING CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 68.8% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| The Dart Bank | 5 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 5 | Under 10 loans | Under 10 loans | 12.5% |
| Chemung Canal Trust Company | 5 | Under 10 loans | Under 10 loans | 25.0% |
| TOGETHER CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MID-ISLAND MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Canandaigua National Bank and Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Utica Gas & Electric Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 4 | Under 10 loans | Under 10 loans | 44.4% |
| CONTOUR MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 16.7% |
| HUDSON VALLEY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| G.P.O. Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Oswego County Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Adirondack Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Oswego Teachers Employees Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 81.3% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RELIANT HOME FUNDING, INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Tioga State Bank, N. A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 86.7% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Savannah Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Brookline Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ESL Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Municipal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-HUDSON VALLEY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Dryden | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cayuga Lake National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The People's Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTINENTAL MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Clarke | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Honesdale National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Park National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peapack-Gladstone Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quaint Oak Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evolve Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 58 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Onondaga County
110 FDIC-insured branches from 15 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Manufacturers and Traders Trust Company | 26 | $3.6 billion |
| KeyBank National Association | 19 | $2.3 billion |
| JPMorgan Chase Bank, National Association | 10 | $1.7 billion |
| Solvay Bank | 10 | $1.1 billion |
| NBT Bank, National Association | 10 | $860.1 million |
| Bank of America, National Association | 7 | $1.2 billion |
| Community Bank, National Association | 7 | $715.6 million |
| Pathfinder Bank | 5 | $466.9 million |
| Citizens Bank, National Association | 4 | $495.9 million |
| Seneca Savings Bank, National Association | 4 | $214.0 million |
| Tompkins Community Bank | 2 | $75.9 million |
| Fulton Savings Bank | 2 | $62.0 million |
| The Canandaigua National Bank and Trust Company | 2 | $36.7 million |
| Geddes Federal Savings and Loan Association | 1 | $512.0 million |
| The Lyons National Bank | 1 | $53.2 million |
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.