Home purchase lenders in Onondaga County
4,198 home purchase mortgages were made in Onondaga County, New York, in 2025, by 206 lenders. The median rate their borrowers got was 6.500% on a median loan of $225,000. Of 4,841 decisions, 486 were denials — 10.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Empower Federal Credit Union | 438 | 6.500% | $195,000 | 6.5% |
| AMERICU Credit Union | 230 | 6.250% | $205,000 | 10.5% |
| SEFCU SERVICES, LLC | 208 | 6.125% | $245,000 | 1.0% |
| Sidney Federal Credit Union | 200 | 6.000% | $245,000 | 2.9% |
| MOVEMENT MORTGAGE, LLC | 184 | 6.750% | $225,000 | 3.7% |
| HOMESTEAD FUNDING CORP. | 183 | 6.625% | $235,000 | 0.5% |
| PREMIUM MORTGAGE CORPORATION | 166 | 6.624% | $235,000 | 4.0% |
| HUNT MORTGAGE CORPORATION | 159 | 6.625% | $235,000 | 7.8% |
| EVERETT FINANCIAL, INC. | 156 | 6.625% | $215,000 | 5.4% |
| Geddes Federal Savings and Loan Association | 156 | 6.125% | $255,000 | 4.7% |
| Manufacturers and Traders Trust Company | 138 | 6.375% | $185,000 | 19.2% |
| Solvay Bank | 130 | Not published | $275,000 | 4.3% |
| Genesee Regional Bank | 129 | 6.875% | $215,000 | 9.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 110 | 6.337% | $220,000 | 4.4% |
| Rocket Mortgage, LLC | 101 | 6.875% | $205,000 | 17.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 93 | 6.875% | $235,000 | 5.9% |
| JPMorgan Chase Bank, National Association | 86 | 6.500% | $235,000 | 12.0% |
| NBT Bank, National Association | 70 | 6.063% | $225,000 | 8.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 65 | 6.625% | $195,000 | 9.9% |
| 1ST PRIORITY MORTGAGE, INC. | 60 | 6.375% | $255,000 | 0.0% |
| KeyBank National Association | 59 | 6.500% | $245,000 | 11.6% |
| TRIAD FINANCIAL SERVICES, INC. | 57 | 8.000% | $75,000 | 39.9% |
| Tompkins Community Bank | 56 | 6.493% | $205,000 | 1.8% |
| Community Bank, National Association | 55 | 7.125% | $195,000 | 9.8% |
| Mortgage Research Center, LLC | 43 | 6.250% | $275,000 | 13.5% |
| Pathfinder Bank | 39 | Not published | $195,000 | 6.7% |
| The Lyons National Bank | 36 | 6.625% | $230,000 | 0.0% |
| Seneca Savings | 35 | Not published | $205,000 | 0.0% |
| NORTHERN CREDIT UNION | 33 | 6.500% | $245,000 | 2.9% |
| Bank of America, National Association | 30 | 6.375% | $200,000 | 34.8% |
| Navy Federal Credit Union | 29 | 6.250% | $275,000 | 21.6% |
| PLAZA HOME MORTGAGE, INC. | 29 | 6.625% | $185,000 | 31.0% |
| Fulton Savings Bank | 28 | Not published | $205,000 | 0.0% |
| SECNY Federal Credit Union | 25 | 6.125% | $175,000 | 3.9% |
| USAA Federal Savings Bank | 22 | 6.625% | $265,000 | 32.4% |
| THE SUMMIT Federal Credit Union | 21 | 6.625% | $175,000 | 4.4% |
| Kiavi Funding, Inc. | 21 | 9.700% | $135,000 | 8.7% |
| Broadview Federal Credit Union | 20 | 6.000% | $165,000 | 31.0% |
| CFCU COMMUNITY Credit Union | 18 | 6.000% | $195,000 | 5.3% |
| HOME TOWN FUNDING, INC. | 16 | 6.813% | $225,000 | 0.0% |
| Wells Fargo Bank, National Association | 15 | 6.625% | $205,000 | 11.8% |
| Citizens Bank, National Association | 15 | 6.500% | $215,000 | 11.8% |
| Loan Funder LLC | 14 | 10.375% | $165,000 | 46.2% |
| NEWREZ LLC | 14 | 6.625% | $245,000 | 6.3% |
| TD Bank, National Association | 13 | 6.625% | $465,000 | 13.3% |
| PENNYMAC LOAN SERVICES, LLC | 12 | 6.499% | $280,000 | 14.3% |
| Ukrainian Federal Credit Union | 12 | 6.375% | $240,000 | 0.0% |
| Farm Credit East, ACA | 11 | 7.000% | $455,000 | 0.0% |
| Loandepot.Com, LLC | 10 | 6.688% | $215,000 | 9.1% |
| U.S. Bank National Association | 10 | 6.370% | $355,000 | 0.0% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 73.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| AMERICAN HERITAGE LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| Metro City Bank | 8 | Under 10 loans | Under 10 loans | 10.0% |
| BPL MORTGAGE TRUST, LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| GUIDANCE RESIDENTIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PENTAGON FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 23.1% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 68.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| The Dart Bank | 5 | Under 10 loans | Under 10 loans | 25.0% |
| CMG MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MID-ISLAND MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| UIF CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Visions Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| CONTOUR MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Adirondack Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Chemung Canal Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Tioga State Bank, N. A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CORNING CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Brookline Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Oswego County Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Canandaigua National Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Utica Gas & Electric Federal Credit Union | 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% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Savannah Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 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% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOGETHER CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AUBURN COMMUNITY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cayuga Lake National Bank | 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% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| G.P.O. Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Park National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quaint Oak Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evolve Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ESL Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SOURCE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Security Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Paducah Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RELIANCE FIRST CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EAST COAST CAPITAL CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Amalgamated Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| General Mortgage Capital Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| ARK MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Leader Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| COREVEST AMERICAN FINANCE LENDER LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Ballston Spa National Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Ixonia Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 0 | Under 10 loans | Under 10 loans | Not published |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 6 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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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.