Mortgage lending in Cayuga County
1,226 mortgages were originated in Cayuga County, New York, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,226
- Median rate
- 6.625%
- Median lender fees
- $3,912
- Median loan amount
- $125,000
- Median spread over APOR
- 0.234
- Paid discount points
- 23.6%
- Received lender credits
- 26.5%
- Purchases / refinances
- 46.8% / 21.8%
- Conventional / FHA / VA
- 89.9% / 7.2% / 2.9%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 64.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Cayuga County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| The Lyons National Bank | 151 | $4,829 | 6.625% |
| Empower Federal Credit Union | 145 | $2,267 | 7.250% |
| AMERICU Credit Union | 106 | $639 | 6.125% |
| AUBURN COMMUNITY FEDERAL CREDIT UNION | 61 | $635 | 6.240% |
| Rocket Mortgage, LLC | 61 | $6,427 | 6.990% |
| Manufacturers and Traders Trust Company | 56 | — | 5.990% |
What lenders charged here
Lender fees on a $125,000 loan, based on what was actually charged in Cayuga County — not a rule of thumb.
From 790 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers