Geddes Federal Savings and Loan Association mortgage approval rate & lending review
Geddes Federal Savings and Loan Association decided 1,008 mortgage applications and funded 905 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Geddes Federal Savings and Loan Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Geddes Federal Savings and Loan Association at a glance
Approval is 12.7 points above the 81.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 640 / 664 | 95% | $225K | 606 |
| Home improvement loans | 88% | 167 / 189 | 96% | $75K | 160 |
| Cash-out refinance | 93% | 40 / 43 | 100% | $175K | 40 |
| Refinance | 84% | 21 / 25 | 100% | $95K | 21 |
| Investment property purchase | 94% | 72 / 77 | 94% | $205K | 68 |
Geddes Federal Savings and Loan Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 94% | $225K | 1,008 | 905 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Geddes Federal Savings and Loan Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Onondaga County, NY | Mortgage lenders | 97% | 539 | 499 |
| Onondaga County, NY | Home improvement loans | 89% | 175 | 149 |
| Oneida County, NY | Mortgage lenders | 97% | 90 | 78 |
| Onondaga County, NY | Investment property purchase | 93% | 45 | 40 |
| Onondaga County, NY | Cash-out refinance | 92% | 39 | 36 |
| Oswego County, NY | Mortgage lenders | 91% | 32 | 26 |
| Oswego County, NY | Investment property purchase | 91% | 22 | 19 |
| Onondaga County, NY | Refinance | 82% | 22 | 18 |
The county markets where Geddes Federal Savings and Loan Association made the most loans. Each link opens that market with every lender ranked.
Questions about Geddes Federal Savings and Loan Association
What is Geddes Federal Savings and Loan Association's mortgage approval rate?
Geddes Federal Savings and Loan Association approved 94.2% of the 1,008 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.7 points above the 81.6% national rate for the same mix of loan types.
How often do borrowers take the loan Geddes Federal Savings and Loan Association offers?
Borrowers accepted 95% of the loans Geddes Federal Savings and Loan Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Geddes Federal Savings and Loan Association make?
The typical home purchase mortgage loan Geddes Federal Savings and Loan Association made was $225K; across all loan types its typical loan ran from $75K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Geddes Federal Savings and Loan Association lend?
Geddes Federal Savings and Loan Association decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to Geddes Federal Savings and Loan Association directly?
Yes. Geddes Federal Savings and Loan Association is a bank or credit union with 1 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Geddes Federal Savings and Loan Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Geddes Federal Savings and Loan Association treats applications, then get a rate quote from the lender.