Mortgage lending in Madison County, New York
Lenders in Madison County, New York reported 1,869 mortgage applications for 2025, according to the CFPB.
1,869 mortgage applications and 1,246 loans originated in 2025; the denial rate was 20.3% of 1,623 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Syracuse, NY MSA.
- 1,869
- Applications
- 1,246
- Loans originated
- 20.3%
- Denial rate
- 330 denied of 1,623 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,869 | 1,246 |
| 2024 | 1,635 | 1,072 |
| 2023 | 1,582 | 1,025 |
| 2022 | 2,012 | 1,346 |
| 2021 | 2,635 | 1,803 |
| 2020 | 2,431 | 1,691 |
| 2019 | 2,037 | 1,327 |
| 2018 | 1,932 | 1,277 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Americu Credit Union | 179 | 256 |
| Empower Federal Credit Union | 128 | 160 |
| NBT Bank NA | 114 | 162 |
| Community Bank, N.A. | 106 | 141 |
| Rocket Mortgage | 75 | 110 |
| M&T Bank | 42 | 71 |
| Geddes Federal Savings and Loan Association | 30 | 38 |
| Citizens Bank, NA | 28 | 49 |
| Hunt Mortgage Corporation | 26 | 38 |
| First Source Federal Credit Un | 26 | 34 |
| Everett Financial, Inc. | 24 | 27 |
| SEFCU Services, LLC | 23 | 23 |
| Sidney Federal Credit Union | 20 | 25 |
| GPO Federal Credit Union | 19 | 39 |
| Mortgage Research Center | 19 | 25 |
| Genesee Regional Bank | 18 | 24 |
| Keybank National Association | 18 | 22 |
| Homestead Funding Corp. | 17 | 18 |
| Premium Mortgage Corporation | 14 | 16 |
| Primelending | 14 | 17 |
| Northern Credit Union | 14 | 17 |
| Broadview Federal Credit Union | 13 | 20 |
| loanDepot.com LLC | 13 | 16 |
| Movement Mortgage, LLC | 13 | 27 |
| Farm Credit East ACA | 13 | 14 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 13 | no rate: base under 50 |
| Black or African American | 18 | no rate: base under 50 |
| White | 1,594 | 20.8% of 1,393 decided |
| 2 or more minority races | under 10 | |
| Joint | 32 | no rate: base under 50 |
| Race Not Available | 202 | 18.7% of 166 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 34 | no rate: base under 50 |
| Not Hispanic or Latino | 1,605 | 20.3% of 1,411 decided |
| Joint | 18 | no rate: base under 50 |
| Ethnicity Not Available | 212 | 19.8% of 172 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 630 | 22.4% of 550 decided |
| Female | 428 | 23.2% of 370 decided |
| Joint | 680 | 16.5% of 599 decided |
| Sex Not Available | 131 | 21.1% of 104 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2035 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved