Lender in New York · HMDA 2025
Geddes Federal Savings and Loan Association mortgages in New York
Geddes Federal Savings and Loan Association's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Geddes Federal Savings and Loan Association originated 215 owner-occupied single-family loans in New York from 240 completed applications.
Its median conventional purchase loan costs were $4,770 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.75% (New York: 6.50%).
Loans in NY
215
of 240 applications
Denial rate
4.2%
Purchase · NY 9.5%
Rate spread
−0.19 pts
Conv. · NY +0.07 pts
Loan amount
$265,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 216 | 194 | 4.2% | 6.750% | −0.19 pts | $4,770 | $265,000 |
| Refinance | 10 | 9 | — | — | — | — | — |
| Cash-out refinance | 14 | 12 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
New York counties where Geddes Federal Savings and Loan Association ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Onondaga County | 8 | 156 | 3.7% |
| Cortland County | 16 | 5 | 1.6% |
| Seneca County | 17 | 4 | 1.8% |
| Oneida County | 18 | 28 | 1.5% |
| Madison County | 20 | 10 | 1.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology