Mortgage lending in Syracuse, NY
12,278 mortgages were originated in the Syracuse, NY area in 2025, and here is what they cost.
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
- 12,278
- Median rate
- 6.740%
- Median lender fees
- $4,198
- Median loan amount
- $155,000
- Median spread over APOR
- 0.160
- Paid discount points
- 25.7%
- Received lender credits
- 17.1%
- Purchases / refinances
- 47.3% / 23.4%
- Conventional / FHA / VA
- 90.2% / 6.1% / 3.6%
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 58.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Syracuse, NY area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Empower Federal Credit Union | 2,448 | $2,488 | 7.250% |
| AMERICU Credit Union | 1,029 | $640 | 6.125% |
| Rocket Mortgage, LLC | 717 | $5,854 | 6.750% |
| Manufacturers and Traders Trust Company | 470 | $4,603 | 5.990% |
| NBT Bank, National Association | 376 | $4,151 | 5.000% |
| Geddes Federal Savings and Loan Association | 309 | $4,402 | 6.250% |
| Community Bank, National Association | 289 | — | 7.000% |
| Sidney Federal Credit Union | 287 | $3,810 | 6.000% |
| MOVEMENT MORTGAGE, LLC | 266 | $5,495 | 6.750% |
| SEFCU SERVICES, LLC | 266 | $3,589 | 6.250% |