Applications / Mortgage Analytics / Lenders / New York / Geddes Federal Savings and Loan Association
Syracuse, NY · Savings institution · OCC · $652 million assets · 373 loans in 2025
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373
loans originated, 2025
467
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Geddes Federal Savings and Loan Association has lent in Syracuse since at least 1990 and is the sixth-largest of 246 lenders there. Its loans rose 12% in 2025, faster than those of similar lenders.
Its loans rose 12% to 373 in 2025. Similar lenders (savings institutions making between half and twice as many loans) grew 4%, and the whole market 10%. The lender is still short of the 522 loans it made in 2022, so this is a recovery rather than a new high.
Its share of Syracuse lending held at 3.1% in both years. The five lenders ahead of it are Empower Federal Credit Union, Americu Credit Union, Rocket Mortgage, M&T Bank and Berkeley Point Capital. In Utica-Rome its share edged up 0.1 points, to 1.2%.
Every loan it made was conventional; none was backed by the government. Purchases took 62.7% of its lending and home improvement 21.7%. Its typical rate, 6.25%, was lower than at more than nine in ten similar lenders, and it turned down 4.1% of purchase applications, against 6.2% at its peers.
Only 8.9% of its loans went to poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 15.1% at similar lenders, which puts it among the lowest tenth. LMI borrowers took 18.8% of its loans, against 24.1% at its peers. The neighborhoods in the few markets it serves may explain some of this, as may its focus on home purchase.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Geddes Federal Savings and Loan Association took 467 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.7% · Home improvement 21.7% · Refinance 8.6% · Other 7.0%
Conventional 100.0% · of 373 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 373 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Syracuse | 309 |
| Utica-Rome | 36 |
| Ithaca | 2 |
| Binghamton | 1 |
| Rochester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XZF8VZFNRNBW38 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 451273 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 45278 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1705278 | 2011–2017 |
Established 1 January 1948. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Geddes Federal Savings and Loan Association's data.
Geddes Federal Savings and Loan Association's data
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