Top Mortgage Lenders in Syracuse, NY

Which mortgage lender in the Syracuse, NY area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Syracuse, NY area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Syracuse, NY area in terms of interest rate is Geddes Federal Savings and Loan Association, with an average “Rate Difference” of -0.19%. This means that, comparing similar borrowers, Geddes Federal Savings and Loan Association provided a -0.19% lower interest rate for its customers than other lenders in the area. Geddes Federal Savings and Loan Association has a market share of 3.5%. On the other hand, the most popular lender in the Syracuse, NY area is Empower Federal Credit Union, with a larger market share of 13.5%. Empower Federal Credit Union is also a relatively cheap lender, with a “Rate Difference” of -0.19% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Syracuse, NY area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Syracuse, NY is Geddes Federal Savings and Loan Association. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is SEFCU. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Syracuse, NY

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Geddes Federal Savings and Loan Association-0.19%(4.5)3.46%
SECNY Federal Credit Union-0.19%(4.5)1.39%
Empower Federal Credit Union-0.19%(4.5)13.53%
SEFCU-0.18%(4.5)5.88%
NBT Bank-0.10%(4.0)3.71%
Visions Federal Credit Union-0.09%(4.0)0.74%
Navy Federal Credit Union-0.08%(4.0)0.95%
Lyons National Bank-0.06%(4.0)1.87%
Chemung Canal Trust Company-0.05%(4.0)0.66%
Elmira Savings Bank-0.05%(3.5)1.85%
Premium Mortgage Corporation-0.04%(3.5)1.30%
Home Point Financial Corporation-0.04%(3.5)0.58%
OwnersChoice Funding-0.04%(3.5)1.19%
Homestead Funding Corp-0.04%(3.5)3.21%
KeyBank-0.03%(3.5)4.61%
Bank of America-0.03%(3.5)1.15%
1st Priority Mortgage, Inc-0.00%(3.5)4.23%
Land Home Financial Services0.01%(3.5)0.42%
M&T Bank0.02%(3.5)3.88%
Carrington Mortgage Services0.02%(3.5)0.47%
Paragon Home Loans0.03%(3.5)1.92%
Genesee Regional Bank0.04%(3.5)1.60%
AmeriCU Credit Union0.06%(3.0)7.08%
Plaza Home Mortgage0.06%(3.0)3.81%
PrimeLending0.06%(3.0)1.65%
Berkshire Bank0.07%(3.0)0.46%
loanDepot0.07%(3.0)1.06%
Movement Mortgage0.08%(3.0)1.83%
USAA0.09%(3.0)1.50%
Pathfinder Bank0.10%(3.0)2.10%
JPMorgan Chase Bank0.10%(3.0)1.65%
NVR Mortgage Finance Inc0.10%(3.0)0.62%
Mr. Cooper0.12%(3.0)0.81%
Wells Fargo Bank0.12%(3.0)2.49%
Hunt Mortgage Corporation0.15%(3.0)3.00%
Quicken Loans0.22%(2.5)9.02%
Community Bank NA0.24%(2.5)4.30%
Lender NameRate DifferenceRate RatingMarket Share
Geddes Federal Savings and Loan Association-0.18%(4.5)3.50%
SEFCU-0.16%(4.5)7.45%
Empower Federal Credit Union-0.14%(4.0)14.77%
SECNY Federal Credit Union-0.13%(4.0)0.84%
Visions Federal Credit Union-0.11%(4.0)0.88%
Navy Federal Credit Union-0.10%(4.0)1.23%
AmeriCU Credit Union-0.07%(4.0)3.33%
NBT Bank-0.07%(4.0)4.19%
Bank of America-0.06%(4.0)1.19%
Elmira Savings Bank-0.06%(4.0)1.88%
Home Point Financial Corporation-0.04%(3.5)0.80%
Premium Mortgage Corporation-0.04%(3.5)1.78%
Homestead Funding Corp-0.04%(3.5)4.50%
Chemung Canal Trust Company-0.04%(3.5)0.37%
KeyBank-0.03%(3.5)2.60%
1st Priority Mortgage, Inc-0.00%(3.5)6.03%
Lyons National Bank-0.00%(3.5)1.92%
OwnersChoice Funding0.00%(3.5)1.17%
Land Home Financial Services0.01%(3.5)0.59%
Berkshire Bank0.02%(3.5)0.29%
M&T Bank0.02%(3.5)3.95%
Paragon Home Loans0.03%(3.5)2.52%
Carrington Mortgage Services0.03%(3.5)0.14%
Genesee Regional Bank0.04%(3.5)2.31%
loanDepot0.04%(3.5)0.27%
Mr. Cooper0.05%(3.5)0.23%
Plaza Home Mortgage0.06%(3.0)5.28%
PrimeLending0.06%(3.0)2.25%
JPMorgan Chase Bank0.07%(3.0)1.39%
Pathfinder Bank0.09%(3.0)1.86%
Movement Mortgage0.09%(3.0)2.43%
NVR Mortgage Finance Inc0.10%(3.0)0.90%
USAA0.11%(3.0)1.86%
Wells Fargo Bank0.14%(3.0)2.80%
Hunt Mortgage Corporation0.15%(3.0)4.23%
Quicken Loans0.29%(2.0)4.52%
Community Bank NA0.35%(1.5)3.76%
Lender NameRate DifferenceRate RatingMarket Share
SEFCU-0.38%(5.0)2.37%
Empower Federal Credit Union-0.34%(5.0)10.75%
Geddes Federal Savings and Loan Association-0.23%(4.5)3.38%
SECNY Federal Credit Union-0.23%(4.5)2.63%
NBT Bank-0.21%(4.5)2.63%
Lyons National Bank-0.19%(4.5)1.75%
OwnersChoice Funding-0.12%(4.0)1.23%
Chemung Canal Trust Company-0.06%(4.0)1.32%
KeyBank-0.04%(3.5)9.12%
Elmira Savings Bank-0.02%(3.5)1.80%
Movement Mortgage-0.01%(3.5)0.48%
Plaza Home Mortgage-0.01%(3.5)0.53%
Premium Mortgage Corporation-0.00%(3.5)0.22%
PrimeLending0.00%(3.5)0.31%
Visions Federal Credit Union0.00%(3.5)0.44%
1st Priority Mortgage, Inc0.01%(3.5)0.22%
USAA0.01%(3.5)0.70%
Paragon Home Loans0.02%(3.5)0.57%
Land Home Financial Services0.02%(3.5)0.04%
M&T Bank0.02%(3.5)3.73%
Home Point Financial Corporation0.02%(3.5)0.09%
Carrington Mortgage Services0.02%(3.5)1.23%
Homestead Funding Corp0.03%(3.5)0.31%
Navy Federal Credit Union0.03%(3.5)0.31%
Hunt Mortgage Corporation0.04%(3.5)0.26%
Bank of America0.04%(3.5)1.05%
Wells Fargo Bank0.06%(3.0)1.80%
Community Bank NA0.08%(3.0)5.53%
loanDepot0.08%(3.0)2.81%
Pathfinder Bank0.10%(3.0)2.63%
Berkshire Bank0.12%(3.0)0.83%
AmeriCU Credit Union0.12%(3.0)15.48%
JPMorgan Chase Bank0.13%(3.0)2.24%
Mr. Cooper0.14%(3.0)2.11%
Quicken Loans0.19%(2.5)19.12%
Lender NameRate DifferenceRate RatingMarket Share
Geddes Federal Savings and Loan Association-0.20%(4.5)4.36%
SEFCU-0.19%(4.5)5.61%
SECNY Federal Credit Union-0.18%(4.5)1.83%
Empower Federal Credit Union-0.18%(4.5)17.74%
NBT Bank-0.10%(4.0)4.42%
Visions Federal Credit Union-0.08%(4.0)0.98%
Lyons National Bank-0.06%(4.0)2.39%
Elmira Savings Bank-0.05%(4.0)1.90%
Chemung Canal Trust Company-0.05%(4.0)0.85%
Homestead Funding Corp-0.04%(3.5)2.63%
OwnersChoice Funding-0.03%(3.5)1.56%
KeyBank-0.03%(3.5)5.57%
Bank of America-0.03%(3.5)1.31%
Premium Mortgage Corporation-0.03%(3.5)1.14%
Home Point Financial Corporation-0.01%(3.5)0.43%
Carrington Mortgage Services-0.00%(3.5)0.16%
1st Priority Mortgage, Inc0.02%(3.5)3.39%
Paragon Home Loans0.03%(3.5)2.41%
Land Home Financial Services0.04%(3.5)0.23%
PrimeLending0.05%(3.5)1.01%
Plaza Home Mortgage0.06%(3.0)0.55%
AmeriCU Credit Union0.07%(3.0)8.52%
M&T Bank0.07%(3.0)3.87%
loanDepot0.08%(3.0)0.66%
Berkshire Bank0.10%(3.0)0.46%
NVR Mortgage Finance Inc0.10%(3.0)0.60%
Pathfinder Bank0.10%(3.0)2.73%
JPMorgan Chase Bank0.10%(3.0)2.02%
Navy Federal Credit Union0.11%(3.0)0.34%
Genesee Regional Bank0.11%(3.0)1.14%
Wells Fargo Bank0.14%(3.0)2.82%
Movement Mortgage0.15%(2.5)1.10%
Hunt Mortgage Corporation0.16%(2.5)2.34%
Mr. Cooper0.17%(2.5)0.48%
USAA0.17%(2.5)0.57%
Community Bank NA0.25%(2.5)5.59%
Quicken Loans0.36%(1.5)6.32%
Lender NameRate DifferenceRate RatingMarket Share
Geddes Federal Savings and Loan Association-0.18%(4.5)4.65%
SEFCU-0.14%(4.0)7.17%
Empower Federal Credit Union-0.13%(4.0)20.52%
SECNY Federal Credit Union-0.12%(4.0)1.17%
Visions Federal Credit Union-0.10%(4.0)1.22%
AmeriCU Credit Union-0.07%(4.0)3.48%
Elmira Savings Bank-0.07%(4.0)1.85%
NBT Bank-0.06%(4.0)5.16%
Bank of America-0.06%(4.0)1.39%
Homestead Funding Corp-0.05%(3.5)3.89%
KeyBank-0.03%(3.5)3.02%
Chemung Canal Trust Company-0.03%(3.5)0.52%
Premium Mortgage Corporation-0.03%(3.5)1.63%
Home Point Financial Corporation-0.02%(3.5)0.60%
Lyons National Bank0.00%(3.5)2.61%
OwnersChoice Funding0.00%(3.5)1.63%
Carrington Mortgage Services0.01%(3.5)0.05%
1st Priority Mortgage, Inc0.02%(3.5)5.05%
Mr. Cooper0.02%(3.5)0.08%
Paragon Home Loans0.03%(3.5)3.34%
Berkshire Bank0.03%(3.5)0.22%
loanDepot0.05%(3.5)0.16%
Land Home Financial Services0.05%(3.5)0.33%
PrimeLending0.06%(3.0)1.41%
Plaza Home Mortgage0.08%(3.0)0.68%
JPMorgan Chase Bank0.08%(3.0)1.77%
Pathfinder Bank0.10%(3.0)2.55%
M&T Bank0.10%(3.0)3.80%
NVR Mortgage Finance Inc0.10%(3.0)0.92%
Genesee Regional Bank0.11%(3.0)1.74%
Navy Federal Credit Union0.12%(3.0)0.46%
Wells Fargo Bank0.17%(2.5)3.32%
Hunt Mortgage Corporation0.17%(2.5)3.45%
Movement Mortgage0.17%(2.5)1.58%
USAA0.19%(2.5)0.76%
Community Bank NA0.36%(1.5)5.16%
Quicken Loans0.39%(1.5)2.66%
Lender NameRate DifferenceRate RatingMarket Share
SEFCU-0.39%(5.0)2.66%
Empower Federal Credit Union-0.34%(5.0)12.52%
Geddes Federal Savings and Loan Association-0.24%(4.5)3.83%
SECNY Federal Credit Union-0.23%(4.5)3.07%
NBT Bank-0.21%(4.5)3.01%
Lyons National Bank-0.20%(4.5)1.99%
OwnersChoice Funding-0.12%(4.0)1.43%
Chemung Canal Trust Company-0.06%(4.0)1.48%
KeyBank-0.04%(3.5)10.37%
Elmira Savings Bank-0.02%(3.5)1.99%
Movement Mortgage-0.01%(3.5)0.20%
PrimeLending-0.01%(3.5)0.26%
Carrington Mortgage Services-0.01%(3.5)0.36%
Premium Mortgage Corporation-0.01%(3.5)0.20%
Visions Federal Credit Union0.00%(3.5)0.51%
1st Priority Mortgage, Inc0.01%(3.5)0.26%
Plaza Home Mortgage0.01%(3.5)0.31%
Paragon Home Loans0.02%(3.5)0.66%
USAA0.02%(3.5)0.20%
Land Home Financial Services0.02%(3.5)0.05%
Home Point Financial Corporation0.02%(3.5)0.10%
M&T Bank0.02%(3.5)3.99%
Homestead Funding Corp0.03%(3.5)0.26%
Bank of America0.04%(3.5)1.18%
Hunt Mortgage Corporation0.04%(3.5)0.26%
Wells Fargo Bank0.06%(3.0)1.89%
Navy Federal Credit Union0.07%(3.0)0.10%
Community Bank NA0.08%(3.0)6.39%
loanDepot0.09%(3.0)1.58%
Pathfinder Bank0.10%(3.0)3.07%
AmeriCU Credit Union0.12%(3.0)17.99%
Berkshire Bank0.12%(3.0)0.92%
JPMorgan Chase Bank0.13%(3.0)2.50%
Mr. Cooper0.18%(2.5)1.23%
Quicken Loans0.35%(2.0)13.18%
Lender NameRate DifferenceRate RatingMarket Share
SEFCU-0.22%(4.5)7.13%
M&T Bank-0.16%(4.5)4.80%
Premium Mortgage Corporation-0.11%(4.0)1.36%
Home Point Financial Corporation-0.09%(4.0)1.44%
NBT Bank-0.08%(4.0)1.52%
AmeriCU Credit Union-0.08%(4.0)2.64%
1st Priority Mortgage, Inc-0.05%(4.0)8.01%
Genesee Regional Bank-0.05%(3.5)3.76%
Bank of America-0.04%(3.5)0.80%
Land Home Financial Services-0.04%(3.5)1.28%
Elmira Savings Bank-0.04%(3.5)1.04%
Homestead Funding Corp-0.03%(3.5)6.24%
KeyBank-0.03%(3.5)1.12%
Berkshire Bank-0.01%(3.5)0.56%
Movement Mortgage0.02%(3.5)4.96%
Paragon Home Loans0.02%(3.5)0.24%
Carrington Mortgage Services0.03%(3.5)1.60%
JPMorgan Chase Bank0.03%(3.5)0.16%
Wells Fargo Bank0.05%(3.0)0.80%
Plaza Home Mortgage0.05%(3.0)17.85%
Quicken Loans0.06%(3.0)18.57%
PrimeLending0.07%(3.0)4.32%
Mr. Cooper0.10%(3.0)1.84%
loanDepot0.10%(3.0)1.76%
NVR Mortgage Finance Inc0.12%(3.0)0.80%
Hunt Mortgage Corporation0.16%(2.5)5.36%
Lender NameRate DifferenceRate RatingMarket Share
SEFCU-0.22%(4.5)8.36%
M&T Bank-0.17%(4.5)5.22%
Premium Mortgage Corporation-0.11%(4.0)1.61%
Home Point Financial Corporation-0.09%(4.0)1.71%
NBT Bank-0.09%(4.0)1.80%
AmeriCU Credit Union-0.09%(4.0)3.13%
1st Priority Mortgage, Inc-0.06%(4.0)9.50%
Bank of America-0.06%(4.0)0.85%
Genesee Regional Bank-0.05%(4.0)4.46%
Elmira Savings Bank-0.04%(3.5)1.14%
KeyBank-0.04%(3.5)1.23%
Land Home Financial Services-0.04%(3.5)1.52%
Homestead Funding Corp-0.04%(3.5)7.22%
Berkshire Bank-0.02%(3.5)0.57%
Paragon Home Loans0.01%(3.5)0.28%
Movement Mortgage0.02%(3.5)5.51%
JPMorgan Chase Bank0.03%(3.5)0.19%
Carrington Mortgage Services0.03%(3.5)0.38%
loanDepot0.04%(3.5)0.57%
Mr. Cooper0.04%(3.5)0.76%
Wells Fargo Bank0.05%(3.5)0.85%
Plaza Home Mortgage0.05%(3.5)20.61%
PrimeLending0.07%(3.0)5.03%
NVR Mortgage Finance Inc0.12%(3.0)0.95%
Hunt Mortgage Corporation0.16%(2.5)6.27%
Quicken Loans0.22%(2.5)10.26%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.05%(3.5)63.27%
Plaza Home Mortgage-0.01%(3.5)3.06%
Movement Mortgage0.01%(3.5)2.04%
M&T Bank0.02%(3.5)2.55%
SEFCU0.02%(3.5)0.51%
Elmira Savings Bank0.04%(3.5)0.51%
PrimeLending0.04%(3.5)0.51%
Berkshire Bank0.04%(3.5)0.51%
Hunt Mortgage Corporation0.04%(3.5)0.51%
Homestead Funding Corp0.05%(3.5)1.02%
KeyBank0.05%(3.5)0.51%
Carrington Mortgage Services0.05%(3.0)8.16%
Wells Fargo Bank0.06%(3.0)0.51%
Bank of America0.06%(3.0)0.51%
loanDepot0.15%(3.0)8.16%
Mr. Cooper0.15%(2.5)7.65%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.02%(3.5)7.84%
KeyBank-0.01%(3.5)23.53%
Geddes Federal Savings and Loan Association-0.00%(3.5)19.61%
NBT Bank-0.00%(3.5)9.80%
AmeriCU Credit Union0.00%(3.5)1.96%
JPMorgan Chase Bank0.01%(3.5)1.96%
Lyons National Bank0.01%(3.5)5.88%
Chemung Canal Trust Company0.01%(3.5)1.96%
M&T Bank0.01%(3.5)9.80%
Pathfinder Bank0.02%(3.5)1.96%
Elmira Savings Bank0.02%(3.5)9.80%
Community Bank NA0.02%(3.5)5.88%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.03%(3.5)8.11%
KeyBank-0.01%(3.5)21.62%
Geddes Federal Savings and Loan Association-0.00%(3.5)21.62%
NBT Bank0.00%(3.5)10.81%
Lyons National Bank0.01%(3.5)5.41%
M&T Bank0.01%(3.5)13.51%
Community Bank NA0.02%(3.5)5.41%
Pathfinder Bank0.02%(3.5)2.70%
Elmira Savings Bank0.02%(3.5)10.81%
Lender NameRate DifferenceRate RatingMarket Share
NBT Bank-0.01%(3.5)7.14%
Geddes Federal Savings and Loan Association-0.01%(3.5)14.29%
KeyBank-0.01%(3.5)28.57%
Lyons National Bank0.00%(3.5)7.14%
AmeriCU Credit Union0.00%(3.5)7.14%
Elmira Savings Bank0.00%(3.5)7.14%
JPMorgan Chase Bank0.00%(3.5)7.14%
Wells Fargo Bank0.00%(3.5)7.14%
Chemung Canal Trust Company0.01%(3.5)7.14%
Community Bank NA0.02%(3.5)7.14%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.16%(4.5)11.21%
SEFCU-0.07%(4.0)6.59%
Premium Mortgage Corporation-0.04%(3.5)3.30%
1st Priority Mortgage, Inc-0.02%(3.5)4.84%
Elmira Savings Bank-0.02%(3.5)2.64%
AmeriCU Credit Union-0.01%(3.5)1.98%
Hunt Mortgage Corporation-0.01%(3.5)5.05%
Genesee Regional Bank-0.00%(3.5)1.54%
Bank of America0.00%(3.5)0.22%
NBT Bank0.01%(3.5)0.22%
M&T Bank0.01%(3.5)0.88%
loanDepot0.01%(3.5)4.18%
Home Point Financial Corporation0.02%(3.5)0.22%
Movement Mortgage0.02%(3.5)2.42%
KeyBank0.02%(3.5)0.22%
JPMorgan Chase Bank0.02%(3.5)1.10%
Wells Fargo Bank0.02%(3.5)2.42%
NVR Mortgage Finance Inc0.03%(3.5)0.44%
PrimeLending0.03%(3.5)2.42%
Plaza Home Mortgage0.03%(3.5)6.15%
Carrington Mortgage Services0.03%(3.5)1.32%
Mr. Cooper0.03%(3.5)2.20%
Berkshire Bank0.03%(3.5)0.22%
Homestead Funding Corp0.04%(3.5)2.42%
Land Home Financial Services0.05%(3.5)0.44%
USAA0.06%(3.0)17.36%
Quicken Loans0.06%(3.0)17.36%
Paragon Home Loans0.06%(3.0)0.66%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.18%(4.5)13.45%
SEFCU-0.07%(4.0)8.48%
Premium Mortgage Corporation-0.04%(3.5)4.09%
1st Priority Mortgage, Inc-0.02%(3.5)6.43%
Elmira Savings Bank-0.02%(3.5)3.51%
AmeriCU Credit Union-0.01%(3.5)2.63%
Hunt Mortgage Corporation-0.00%(3.5)6.73%
M&T Bank-0.00%(3.5)0.58%
Genesee Regional Bank0.00%(3.5)2.05%
Bank of America0.01%(3.5)0.29%
loanDepot0.01%(3.5)0.58%
NBT Bank0.01%(3.5)0.29%
Home Point Financial Corporation0.02%(3.5)0.29%
Wells Fargo Bank0.02%(3.5)2.63%
KeyBank0.02%(3.5)0.29%
JPMorgan Chase Bank0.02%(3.5)1.17%
NVR Mortgage Finance Inc0.03%(3.5)0.58%
Carrington Mortgage Services0.03%(3.5)0.29%
PrimeLending0.03%(3.5)2.92%
Plaza Home Mortgage0.03%(3.5)8.19%
Berkshire Bank0.03%(3.5)0.29%
Movement Mortgage0.04%(3.5)2.34%
Mr. Cooper0.04%(3.5)0.29%
Homestead Funding Corp0.04%(3.5)3.22%
Land Home Financial Services0.05%(3.5)0.58%
Paragon Home Loans0.06%(3.0)0.88%
USAA0.07%(3.0)19.59%
Quicken Loans0.18%(2.5)7.31%
Lender NameRate DifferenceRate RatingMarket Share
Movement Mortgage-0.03%(3.5)2.65%
USAA-0.01%(3.5)10.62%
Premium Mortgage Corporation-0.01%(3.5)0.88%
Quicken Loans-0.01%(3.5)47.79%
Navy Federal Credit Union-0.00%(3.5)4.42%
loanDepot0.01%(3.5)15.04%
SEFCU0.01%(3.5)0.88%
PrimeLending0.01%(3.5)0.88%
JPMorgan Chase Bank0.02%(3.5)0.88%
M&T Bank0.02%(3.5)1.77%
Mr. Cooper0.02%(3.5)7.96%
Carrington Mortgage Services0.02%(3.5)4.42%
Wells Fargo Bank0.04%(3.5)1.77%

* Data is compiled for the Syracuse, NY commuting zone area, which comprises of counties of Cayuga County, NY, Cortland County, NY, Madison County, NY, Onondaga County, NY, Oswego County, NY, and Tompkins County, NY. This includes cities/towns/communities of Syracuse, NY as well as Baldwinsville, NY, Auburn, NY, Manlius, NY, Fairmount, NY, Oswego, NY, Fayetteville, NY, Skaneateles, NY, Cortland, NY, Central Square, NY, Ithaca, NY, Cazenovia, NY, Westvale, NY, North Syracuse, NY, Fulton, NY, Homer, NY, Mattydale, NY, Minoa, NY, Lyncourt, NY, Morrisville, NY, Village Green, NY, Brewerton, NY, Bridgeport, NY, Cato, NY, Sand Ridge, NY, Sandy Creek, NY, Jordan, NY, Solvay, NY, Parish, NY, Constantia, NY, Galeville, NY, Lansing, NY, Weedsport, NY, Earlville, NY, Fair Haven, NY, Munsons Corners, NY, Marcellus, NY, Mexico, NY, Melrose Park, NY, SUNY Oswego, NY, Marathon, NY, Trumansburg, NY, Union Springs, NY, Brewerton, NY, Northwest Ithaca, NY, Tully, NY, Dryden, NY, Newfield Hamlet, NY, Freeville, NY, South Hill, NY, and Hannibal, NY. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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