What people paid for mortgages in Onondaga County, NY (2025)
Across 3,532 closed home-purchase loans in 2025, the median interest rate in Onondaga was 6.49%, and the middle half of borrowers got between 6.125% and 6.75%. Median total loan costs ran $4,522 on a median loan of $235,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.49%
- Middle half of rates
- 6.125%–6.75%
- Median total loan costs
- $4,522
- Median loan amount
- $235,000
3,532 loans, 2025.
Refinance
- Median rate
- 6.375%
- Middle half of rates
- 5.99%–7%
- Median total loan costs
- $6,113
- Median loan amount
- $175,000
1,091 loans, 2025.
Lowest median rates in Onondaga (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.Sidney Federal Credit Union6%197 loans, median costs $3,961
- 2.NBT Bank, National Association6.062%56 loans, median costs $4,039
- 3.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.099%83 loans, median costs $7,988
- 4.SEFCU SERVICES, LLC6.125%197 loans, median costs $3,572
- 5.AMERICU Credit Union6.125%181 loans, median costs $4,033
Among lenders with at least 30 closed purchase loans in Onondaga County in 2025.
Refinance
- 1.Manufacturers and Traders Trust Company5.99%65 loans, median costs $5,808
- 2.AMERICU Credit Union6.125%47 loans, median costs $179
- 3.Rocket Mortgage, LLC6.25%264 loans, median costs $7,439
- 4.KeyBank National Association6.5%50 loans, median costs $3,684
- 5.NATIONSTAR MORTGAGE LLC6.99%30 loans, median costs $8,142
Among lenders with at least 30 closed refinance loans in Onondaga County in 2025.
Lender by lender in Onondaga
Every lender that closed at least 5 qualifying loans in Onondaga County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | Empower Federal Credit Union | 388 | 6.5% | $3,096 | $673 | $1,744 |
| 2 | Sidney Federal Credit Union | 197 | 6% | $3,961 | $299 | $1,903 |
| 3 | SEFCU SERVICES, LLC | 197 | 6.125% | $3,572 | $790 | $410 |
| 4 | AMERICU Credit Union | 181 | 6.125% | $4,033 | $1,445 | $641 |
| 5 | MOVEMENT MORTGAGE, LLC | 166 | 6.75% | $5,434 | $2,409 | $905 |
| 6 | HOMESTEAD FUNDING CORP. | 164 | 6.5% | $4,032 | $1,195 | $601 |
| 7 | PREMIUM MORTGAGE CORPORATION | 151 | 6.5% | $4,508 | $1,450 | $2,044 |
| 8 | HUNT MORTGAGE CORPORATION | 147 | 6.625% | $6,803 | $3,877 | $2,668 |
| 9 | Geddes Federal Savings and Loan Association | 144 | 6.125% | $4,590 | $1,786 | $4,605 |
| 10 | EVERETT FINANCIAL, INC. | 135 | 6.625% | $6,179 | $2,925 | $1,678 |
| 11 | Solvay Bank | 125 | n/a | n/a | n/a | n/a |
| 12 | Manufacturers and Traders Trust Company | 107 | 6.5% | $4,377 | $1,500 | $805 |
| 13 | Genesee Regional Bank | 100 | 6.75% | $4,583 | $1,550 | $933 |
| 14 | Rocket Mortgage, LLC | 90 | 6.812% | $6,764 | $2,795 | $2,790 |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 83 | 6.099% | $7,988 | $4,785 | $1,376 |
| 16 | JPMorgan Chase Bank, National Association | 80 | 6.495% | $5,493 | $2,072 | $1,201 |
| 17 | CROSSCOUNTRY MORTGAGE, INC. | 70 | 6.74% | $5,399 | $1,577 | $676 |
| 18 | 1ST PRIORITY MORTGAGE, INC. | 59 | 6.375% | $4,696 | $1,865 | $1,410 |
| 19 | TRIAD FINANCIAL SERVICES, INC. | 57 | 8% | n/a | n/a | n/a |
| 20 | NBT Bank, National Association | 56 | 6.062% | $4,039 | $750 | $1,098 |
| 21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 54 | 6.625% | $6,683 | $3,238 | $1,694 |
| 22 | KeyBank National Association | 54 | 6.375% | $4,555 | $1,569 | $787 |
| 23 | Community Bank, National Association | 44 | 6.875% | $0 | $0 | $5,415 |
| 24 | Mortgage Research Center, LLC | 43 | 6.25% | $6,365 | $0 | $984 |
| 25 | Pathfinder Bank | 33 | n/a | n/a | n/a | n/a |
| 26 | The Lyons National Bank | 30 | 6.625% | $4,507 | $1,569 | $788 |
| 27 | Tompkins Community Bank | 30 | 6.5% | $3,631 | $833 | n/a |
| 28 | Navy Federal Credit Union | 29 | 6.25% | $3,944 | $0 | $475 |
| 29 | Bank of America, National Association | 26 | 6.312% | $3,788 | $1,430 | $1,744 |
| 30 | SECNY Federal Credit Union | 25 | 6.125% | $3,493 | $200 | n/a |
| 31 | Seneca Savings | 25 | n/a | n/a | n/a | n/a |
| 32 | PLAZA HOME MORTGAGE, INC.broker only | 25 | 6.5% | $7,815 | $2,044 | $1,372 |
| 33 | Fulton Savings Bank | 24 | n/a | n/a | n/a | n/a |
| 34 | NORTHERN CREDIT UNION | 23 | 6.375% | $4,836 | $1,290 | $1,384 |
| 35 | USAA Federal Savings Bank | 21 | 6.625% | $4,396 | $1,006 | $1,094 |
| 36 | THE SUMMIT Federal Credit Union | 18 | 6.625% | $3,065 | $675 | $4,152 |
| 37 | CFCU COMMUNITY Credit Union | 17 | 6% | $0 | $0 | $795 |
| 38 | Citizens Bank, National Association | 14 | 6.625% | $5,934 | $1,806 | $739 |
| 39 | NEWREZ LLC | 13 | 6.625% | $5,830 | $2,473 | $1,334 |
| 40 | Ukrainian Federal Credit Union | 12 | 6.375% | $3,863 | $500 | $2,640 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Onondaga figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Onondaga County in 2025?
The median interest rate on closed home-purchase loans in Onondaga County, New York in 2025 was 6.49%, across 3,532 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.75%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.