Mortgage lending in Onondaga County, New York
Lenders in Onondaga County, New York reported 13,037 mortgage applications for 2025, according to the CFPB.
13,037 mortgage applications and 8,764 loans originated in 2025; the denial rate was 19.5% of 11,274 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Syracuse, NY MSA.
- 13,037
- Applications
- 8,764
- Loans originated
- 19.5%
- Denial rate
- 2,204 denied of 11,274 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 13,037 | 8,764 |
| 2024 | 11,989 | 7,920 |
| 2023 | 11,605 | 7,731 |
| 2022 | 14,519 | 9,897 |
| 2021 | 18,671 | 13,268 |
| 2020 | 17,431 | 12,145 |
| 2019 | 14,253 | 9,678 |
| 2018 | 13,564 | 9,209 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Empower Federal Credit Union | 1,820 | 2,449 |
| Americu Credit Union | 715 | 1,002 |
| Rocket Mortgage | 493 | 690 |
| M&T Bank | 390 | 708 |
| Geddes Federal Savings and Loan Association | 263 | 330 |
| Sidney Federal Credit Union | 245 | 288 |
| SEFCU Services, LLC | 219 | 229 |
| Broadview Federal Credit Union | 210 | 329 |
| Citizens Bank, NA | 210 | 360 |
| Movement Mortgage, LLC | 200 | 253 |
| Solvay Bank | 192 | 227 |
| Homestead Funding Corp. | 188 | 207 |
| Everett Financial, Inc. | 180 | 227 |
| NBT Bank NA | 178 | 274 |
| Premium Mortgage Corporation | 176 | 207 |
| Keybank National Association | 161 | 270 |
| Hunt Mortgage Corporation | 160 | 218 |
| Genesee Regional Bank | 134 | 175 |
| United Wholesale Mortgage | 128 | 162 |
| JPMorgan Chase Bank, NA | 114 | 184 |
| Crosscountry Mortgage, LLC | 105 | 154 |
| The Summit Federal Credit Union | 101 | 197 |
| Community Bank, N.A. | 98 | 157 |
| Bank of America NA | 95 | 245 |
| Northern Credit Union | 88 | 112 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 104 | 33.3% of 87 decided |
| Asian | 529 | 21.1% of 427 decided |
| Black or African American | 1,010 | 35.7% of 857 decided |
| Native Hawaiian or Other Pacific Islander | 19 | no rate: base under 50 |
| White | 9,370 | 17.6% of 8,281 decided |
| 2 or more minority races | withheld | |
| Joint | 224 | 15.5% of 194 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,762 | 20.1% of 1,399 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 514 | 27.9% of 423 decided |
| Not Hispanic or Latino | 10,566 | 18.9% of 9,283 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,784 | 21.0% of 1,416 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,586 | 22.7% of 3,924 decided |
| Female | 3,475 | 23.4% of 3,011 decided |
| Joint | 3,913 | 13.4% of 3,497 decided |
| Sex Not Available | 1,063 | 16.5% of 842 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. 1813 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