Mortgage Lenders and Brokers in Syracuse, New York
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Syracuse, New York mortgage lenders include Empower Federal Credit UnionEmpower Federal Credit Union800 Irving Ave, Syracuse, NY 13210 2716A5.0 ★Texas Ratio: 7.78%, Solvay BankSolvay Bank109 S Warren St, Syracuse, NY 13202A+5.0 ★Texas Ratio: 0.90%, M&T BankM&T Bank250 S Clinton St, Syracuse, NY 13202A+5.0 ★Texas Ratio: 4.11%, Geddes Federal Savings and Loan AssociationGeddes Federal Savings and Loan Association2208 W Genesee St, Syracuse, NY 13219, Pathfinder BankPathfinder Bank506 W Onondaga St, Syracuse, NY 13204C-3.6 ★Texas Ratio: 31.30%, Nbt Bank NANbt Bank NA120 Madison Street Mony Tower Ii 18th Floor, Syracuse, NY 13202A+5.0 ★Texas Ratio: 3.43%, Community Bank, N.A.Community Bank, N.A.109 S Warren St, Syracuse, NY 13202A+5.0 ★Texas Ratio: 3.83%, Keybank National AssociationKeybank National Association4892 W Seneca Tpke, Syracuse, NY 13215A+5.0 ★Texas Ratio: 4.81%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA110 W Fayette St, Syracuse, NY 13202A+5.0 ★Texas Ratio: 3.68%, and SECNY Federal Credit UnionSECNY Federal Credit Union4727 W Seneca Tpke, Syracuse, NY 13215 2119A5.0 ★Texas Ratio: 6.03%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Syracuse, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Syracuse are listed first, then lenders elsewhere in New York, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Syracuse, New York
Market share is the lender's share of all home loans closed in Syracuse, New York. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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800 Irving Ave, Syracuse, NY 13210 2716 A5.0 ★Texas Ratio: 7.78% |
Conventional, HELOC | 145 +176 HELOCs |
14.6% | 74.1% | $134,517 | View |
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3 offices in Syracuse 109 S Warren St, Syracuse, NY 13202 A+5.0 ★Texas Ratio: 0.90% |
Conventional | 41 | 4.1% | 95.5% | $197,439 | View |
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8 offices in Syracuse 250 S Clinton St, Syracuse, NY 13202 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, HELOC | 36 +39 HELOCs |
3.6% | 76.6% | $120,833 | View |
Geddes Federal Savings and Loan Association
2208 W Genesee St, Syracuse, NY 13219 |
Conventional, HELOC | 33 +4 HELOCs |
3.3% | 94.4% | $207,727 | |
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2 offices in Syracuse 506 W Onondaga St, Syracuse, NY 13204 C-3.6 ★Texas Ratio: 31.30% |
Conventional | 23 | 2.3% | 92.9% | $119,782 | View |
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2 offices in Syracuse 120 Madison Street Mony Tower Ii 18th Floor, Syracuse, NY 13202 A+5.0 ★Texas Ratio: 3.43% |
Conventional, FHA, HELOC | 22 +5 HELOCs |
2.2% | 92.3% | $175,454 | View |
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3 offices in Syracuse 109 S Warren St, Syracuse, NY 13202 A+5.0 ★Texas Ratio: 3.83% |
Conventional, HELOC | 18 +1 HELOCs |
1.8% | 81.8% | $146,111 | View |
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8 offices in Syracuse 4892 W Seneca Tpke, Syracuse, NY 13215 A+5.0 ★Texas Ratio: 4.81% |
Conventional, FHA, HELOC | 16 +2 HELOCs |
1.6% | 55.2% | $121,250 | View |
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5 offices in Syracuse 110 W Fayette St, Syracuse, NY 13202 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, HELOC | 16 +1 HELOCs |
1.6% | 69.6% | $210,625 | View |
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4727 W Seneca Tpke, Syracuse, NY 13215 2119 A5.0 ★Texas Ratio: 6.03% |
Conventional | 12 | 1.2% | 100% | $90,000 | View |
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1 office in Syracuse 35 Oswego St, Baldwinsville, NY 13027 A5.0 ★Texas Ratio: 9.60% |
Conventional | 8 | 0.8% | 100% | $140,000 | View |
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3 offices in Syracuse 2334 James St, Syracuse, NY 13206 A+5.0 ★Texas Ratio: 4.14% |
Conventional, FHA, HELOC | 7 +9 HELOCs |
0.7% | 63.6% | $190,714 | View |
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1 office in Syracuse 3524 W Genesee St, Syracuse, NY 13219 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 6 +27 HELOCs |
0.6% | 75% | $133,333 | View |
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★ 5 stars, 1 review 1 office in Syracuse 400 S Salina Street, Syracuse, NY 13202 A5.0 ★Texas Ratio: 6.37% |
Conventional, HELOC | 3 +5 HELOCs |
0.3% | 75% | $158,333 | View |
Syracuse Fire Department EMPL FCU
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Conventional, HELOC | 13 +1 HELOCs |
1.3% | 81.2% | $52,692 | |
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★ 1 stars, 1 review 200 Walton St, Syracuse, NY 13202 1227 A-5.0 ★Texas Ratio: 14.76% |
Conventional, FHA, HELOC | 68 +26 HELOCs |
6.9% | 66.7% | $134,411 | View |
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1850 Winton Rd S, Rochester, NY 14618 A+5.0 ★Texas Ratio: 3.91% |
Conventional, FHA, VA | 34 | 3.4% | 81% | $182,647 | View |
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4839 State Highway 30, Amsterdam, NY 12010 A5.0 ★Texas Ratio: 6.03% |
Conventional | 24 | 2.4% | 96.3% | $160,416 | View |
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180 N Main St, Alfred, NY 14802 A5.0 ★Texas Ratio: 8.82% |
Conventional, FHA | 21 | 2.1% | 100% | $198,333 | View |
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1400 ERIE BLVD E, SYRACUSE, NY 13210 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 11 +21 HELOCs |
1.1% | 57.9% | $146,818 | View |
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2 Elmwood Ave, Adams, NY 13605 A5.0 ★Texas Ratio: 9.67% |
Conventional, HELOC | 8 +1 HELOCs |
0.8% | 100% | $171,250 | View |
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500 Erie Blvd E, Syracuse, NY 13202 1903 A+5.0 ★Texas Ratio: 5.30% |
Conventional, HELOC | 7 +1 HELOCs |
0.7% | 87.5% | $139,285 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 6 | 0.6% | 66.7% | $141,666 | View |
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7471 State Fair Blvd, Baldwinsville, NY 13027 A+5.0 ★Texas Ratio: 1.29% |
Conventional | 6 | 0.6% | 100% | $128,333 | View |
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4800 S Salina St, Syracuse, NY 13205 A+5.0 ★Texas Ratio: 5.13% |
Conventional | 4 | 0.4% | 80% | $37,500 | View |
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6002 NY 31, Cicero, NY 13039 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 2 | 0.2% | 50% | $195,000 | View |
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1145 Willis Ave, Albertson, NY 11507 1232 B+4.8 ★Texas Ratio: 17.52% |
Conventional | 1 | 0.1% | 100% | $165,000 | View |
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65 WRIGHT CIR, AUBURN, NY 13021 3135 A+5.0 ★Texas Ratio: 0.20% |
Conventional | 1 | 0.1% | 100% | $95,000 | View |
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1421 Kings Hwy, Brooklyn, NY 11229 A-5.0 ★Texas Ratio: 14.36% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
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13150 State Route 12, Boonville, NY 13309 B4.1 ★Texas Ratio: 7.18% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
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353 E 149th St, Bronx, NY 10455 A5.0 ★Texas Ratio: 8.74% |
Conventional | 1 | 0.1% | 100% | $155,000 | View |
Tioga State Bank, N.A.
191 Conklin Ave, Binghamton, NY 13903 |
Conventional | 1 | 0.1% | 100% | $135,000 | |
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102 N Main St, Albion, NY 14411 A+5.0 ★Texas Ratio: 5.67% |
Conventional | 1 | 0.1% | 100% | $195,000 | View |
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401 S Salina St, Syracuse, NY 13202 2584 A5.0 ★Texas Ratio: 6.36% |
HELOC | 0 +30 HELOCs |
0% | 0% | ||
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8585 State Route 28, Barneveld, NY 13304 A+5.0 ★Texas Ratio: 1.66% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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84 Canal St, Big Flats, NY 14814 8968 A+5.0 ★Texas Ratio: 3.26% |
HELOC | 0 +1 HELOCs |
0% | 100% | View | |
Better Mortgage Corporation
300 Crosspoint Pkwy, Getzville, NY 14068 1606 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Hunt Mortgage Corporation
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Conventional, FHA | 29 | 2.9% | 79.5% | $182,586 | |
Premium Mortgage Corporation
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Conventional, FHA | 23 | 2.3% | 95.8% | $222,391 | |
Homestead Funding Corp.
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Conventional, FHA | 19 | 1.9% | 100% | $181,842 | |
1St Priority Mortgage, Inc.
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Conventional | 5 | 0.5% | 100% | $163,000 | |
Reliance First Capital, LLC
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Conventional, FHA, VA | 4 | 0.4% | 80% | $155,000 | |
Contour Mortgage Corporation
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Conventional, FHA | 2 | 0.2% | 100% | $140,000 | |
OwnersChoice Funding, Inc.
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Hartford Funding, Ltd.
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Conventional | 1 | 0.1% | 100% | $185,000 | |
Mid-Island Mortgage Corp.
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FHA | 1 | 0.1% | 100% | $275,000 | |
First Source Federal Credit Un
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Conventional | 1 | 0.1% | 100% | $55,000 | |
Nationwide Mortgage Bankers, Inc.
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Conventional | 1 | 0.1% | 100% | $155,000 | |
Hometown Funding, INC. D/B/A CNB Mortgage Company
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Conventional | 1 | 0.1% | 100% | $185,000 | |
Jovia Financial Federal Credit
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 72 | 7.3% | 70.5% | $140,277 | |
Movement Mortgage, LLC
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Conventional, FHA | 46 | 4.6% | 96.3% | $156,521 | |
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D3.5 ★Texas Ratio: 32.93% |
Conventional, FHA, HELOC | 34 +1 HELOCs |
3.4% | 89.7% | $165,000 | View |
Primelending
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Conventional, FHA | 20 | 2% | 89.3% | $146,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 16 | 1.6% | 100% | $215,625 | |
loanDepot.com LLC
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Conventional, FHA, VA | 14 | 1.4% | 63.6% | $122,857 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 12 | 1.2% | 100% | $195,833 | |
Plaza Home Mortgage, Inc
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Conventional, FHA, VA | 8 | 0.8% | 80% | $153,750 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 6 +1 HELOCs |
0.6% | 66.7% | $146,666 | |
Royal United Mortgage LLC
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Conventional, FHA, VA | 6 | 0.6% | 66.7% | $118,333 | |
Newrez LLC
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Conventional, FHA, VA | 6 | 0.6% | 58.3% | $146,666 | |
Pennymac Loan Services LLC
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FHA, VA | 6 | 0.6% | 66.7% | $123,333 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 6 | 0.6% | 75% | $161,666 | View |
Nationstar Mortgage
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Conventional, FHA | 6 | 0.6% | 60% | $206,666 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 5 | 0.5% | 100% | $149,000 | |
Mortgage Research Center
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VA | 5 | 0.5% | 62.5% | $225,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional, FHA, VA | 4 | 0.4% | 80% | $162,500 | View |
Dart Bank
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Conventional, FHA | 3 | 0.3% | 100% | $265,000 | |
HomeBridge Financial Services, Inc
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Conventional | 3 | 0.3% | 100% | $275,000 | |
Carrington Mortgage Services LLC
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FHA | 3 | 0.3% | 57.1% | $211,666 | |
Guidance Residential, LLC
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Conventional | 2 | 0.2% | 100% | $195,000 | |
Discover Bank
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Conventional | 2 | 0.2% | 14.3% | $90,000 | |
Uif Corporation
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Conventional | 2 | 0.2% | 100% | $145,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
FHA, VA | 2 | 0.2% | 66.7% | $190,000 | View |
Pentagon Federal Credit Union
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VA, HELOC | 1 +1 HELOCs |
0.1% | 50% | $205,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.1% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 4.93% |
FHA | 1 | 0.1% | 100% | $65,000 | View |
Equity Prime Mortgage LLC
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FHA | 1 | 0.1% | 100% | $125,000 | |
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A5.0 ★Texas Ratio: 7.27% |
Conventional | 1 | 0.1% | 100% | $405,000 | View |
Norwich Commercial Group Inc
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Conventional | 1 | 0.1% | 100% | $115,000 | |
United Trust Bank
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VA | 1 | 0.1% | 100% | $155,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
American Financing Corporation
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FHA | 1 | 0.1% | 50% | $85,000 | |
Total Mortgage Services, LLC
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Conventional | 1 | 0.1% | 100% | $175,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.1% | 100% | $285,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.1% | 100% | $265,000 | |
Nasa Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $245,000 | |
Digital Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 4.12% |
Conventional | 1 | 0.1% | 100% | $45,000 | View |
Texana Bank
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VA | 1 | 0.1% | 100% | $225,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 0.1% | 100% | $195,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
American Airlines Federal Cred
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HELOC | 0 +1 HELOCs |
0% | n/a |
Syracuse Mortgage Rate Trends
Daily average mortgage rates for New York compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Syracuse, New York
Looking for mortgage lenders near me or mortgage brokers near me in Syracuse? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Syracuse in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Syracuse, NY
Use these to narrow the list above. Each category shows how many Syracuse, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Syracuse, NY
Independent mortgage companies closed 34.1 percent of home loans in Syracuse, New York in 2025, banks 32.8 percent and credit unions 33.1 percent. Better Mortgage Corporation was the largest mortgage company, Solvay Bank the largest bank and Empower Federal Credit Union the largest credit union. Among lenders headquartered in New York, Empower Federal Credit Union led with 145 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in New York. State mortgage recording tax of 0.5 percent plus a 0.25 percent special additional tax (paid by the lender on one to six family homes) and 0.25 percent more in the MCTD counties; in New York City the combined rate is 2.05 percent under $500,000 and 2.175 percent at or above, of which the borrower effectively pays 1.8 or 1.925 percent. State transfer tax is $2 per $500 plus a 1 percent mansion tax on homes of $1 million or more; NYC adds its own 1 to 1.425 percent RPTT. A CEMA (consolidation, extension and modification agreement) assigns the old mortgage to the new lender so recording tax is paid only on new money, and is standard practice for refinances and many purchases.
More New York Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Syracuse, NY
By home loans closed in 2025, Empower Federal Credit Union was the largest mortgage lender in Syracuse, New York with 145 loans, about 14.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Syracuse, New York, Empower Federal Credit Union approved the highest share of completed applications in 2025 at 74.1 percent, against a 79.4 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
36 lenders closed FHA loans in Syracuse, New York in 2025, led by Rocket Mortgage with 16. 19 lenders closed VA loans, led by Rocket Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 33 banks and 24 credit unions closed home loans in Syracuse, New York in 2025, alongside 36 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Syracuse, New York during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Syracuse, New York for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Syracuse. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
