Sidney Federal Credit Union mortgage approval rate & lending review
Sidney Federal Credit Union decided 874 mortgage applications and funded 782 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Sidney Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Sidney Federal Credit Union at a glance
Approval is 10.7 points above the 83.0% 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 | 98% | 660 / 675 | 96% | $245K | 633 |
| Home improvement loans | 73% | 64 / 88 | 94% | $55K | 60 |
| Cash-out refinance | 94% | 74 / 79 | 93% | $205K | 69 |
Sidney Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 94% | $245K | 868 | 777 |
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 Sidney Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Onondaga County, NY | Mortgage lenders | 99% | 323 | 313 |
| Broome County, NY | Mortgage lenders | 99% | 72 | 67 |
| Albany County, NY | Mortgage lenders | 97% | 61 | 57 |
| Saratoga County, NY | Mortgage lenders | 98% | 50 | 43 |
| Oneida County, NY | Mortgage lenders | 98% | 40 | 37 |
| Onondaga County, NY | Home improvement loans | 78% | 40 | 28 |
| Schenectady County, NY | Mortgage lenders | 96% | 26 | 23 |
| Onondaga County, NY | Cash-out refinance | 100% | 22 | 21 |
| Oswego County, NY | Mortgage lenders | 88% | 25 | 21 |
| Rensselaer County, NY | Mortgage lenders | 95% | 22 | 19 |
The county markets where Sidney Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Sidney Federal Credit Union
What is Sidney Federal Credit Union's mortgage approval rate?
Sidney Federal Credit Union approved 93.7% of the 874 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.7 points above the 83.0% national rate for the same mix of loan types.
How often do borrowers take the loan Sidney Federal Credit Union offers?
Borrowers accepted 95% of the loans Sidney Federal Credit Union 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 Sidney Federal Credit Union make?
The typical home purchase mortgage loan Sidney Federal Credit Union made was $245K; across all loan types its typical loan ran from $55K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Sidney Federal Credit Union lend?
Sidney Federal Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in New York, New Jersey and Pennsylvania.
Can I apply to Sidney Federal Credit Union directly?
Yes. Sidney Federal Credit Union is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Sidney Federal Credit Union'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 Sidney Federal Credit Union treats applications, then get a rate quote from the lender.