Lender in New York · HMDA 2025
Sidney Federal Credit Union mortgages in New York
Sidney Federal Credit Union's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Sidney Federal Credit Union originated 679 owner-occupied single-family loans in New York from 749 completed applications.
Its median conventional purchase loan costs were $3,820 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.625% (New York: 6.50%).
Loans in NY
679
of 749 applications
Denial rate
2.5%
Purchase · NY 9.5%
Rate spread
−0.23 pts
Conv. · NY +0.07 pts
Loan amount
$255,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 628 | 579 | 2.5% | 6.625% | −0.23 pts | $3,820 | $255,000 |
| Refinance | 12 | 8 | — | — | — | — | — |
| Cash-out refinance | 109 | 92 | 7.3% | — | −0.21 pts | $2,710 | $155,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Sidney Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Chenango County | 2 | 46 | 14.8% |
| Delaware County | 2 | 31 | 12.0% |
| Onondaga County | 3 | 210 | 4.9% |
| Otsego County | 3 | 44 | 11.2% |
| Warren County | 6 | 21 | 3.7% |
| Columbia County | 7 | 12 | 2.5% |
| Schoharie County | 7 | 8 | 3.1% |
| Washington County | 8 | 14 | 2.4% |
| Hamilton County | 8 | 1 | 2.3% |
| Broome County | 10 | 38 | 2.8% |
| Madison County | 10 | 18 | 3.0% |
| Albany County | 11 | 33 | 1.3% |
| Essex County | 11 | 4 | 1.6% |
| Montgomery County | 12 | 9 | 2.1% |
| Tioga County | 13 | 7 | 1.7% |
| Rensselaer County | 14 | 17 | 1.2% |
| Saratoga County | 16 | 37 | 1.5% |
| Oneida County | 17 | 30 | 1.6% |
| Fulton County | 17 | 5 | 1.1% |
| Tompkins County | 17 | 4 | 0.7% |
| Schenectady County | 19 | 17 | 1.0% |
| Cayuga County | 19 | 7 | 1.3% |
| Herkimer County | 19 | 6 | 1.3% |
| Oswego County | 24 | 15 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology