Mortgage lending in Onondaga County
8,764 mortgages were originated in Onondaga 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
- 8,764
- Median rate
- 6.740%
- Median lender fees
- $4,196
- Median loan amount
- $155,000
- Median spread over APOR
- 0.134
- Paid discount points
- 25.5%
- Received lender credits
- 16.9%
- Purchases / refinances
- 47.9% / 23.2%
- Conventional / FHA / VA
- 91.2% / 5.7% / 3.2%
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 58.8% 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 Onondaga County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Empower Federal Credit Union | 1,820 | $2,539 | 7.250% |
| AMERICU Credit Union | 715 | $639 | 6.240% |
| Rocket Mortgage, LLC | 493 | $6,051 | 6.750% |
| Manufacturers and Traders Trust Company | 390 | $4,621 | 5.990% |
| Geddes Federal Savings and Loan Association | 263 | $4,333 | 6.250% |
| Sidney Federal Credit Union | 245 | $3,863 | 6.000% |
| SEFCU SERVICES, LLC | 219 | $3,573 | 6.250% |
| Citizens Bank, National Association | 210 | — | 8.400% |
| Broadview Federal Credit Union | 210 | — | 6.245% |
| MOVEMENT MORTGAGE, LLC | 200 | $5,495 | 6.750% |
What lenders charged here
Lender fees on a $155,000 loan, based on what was actually charged in Onondaga County — not a rule of thumb.
From 5,152 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