Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Onondaga County, New York
Every institution that decided a 1–4 unit mortgage application in Onondaga County, home to Syracuse, between 2023 and 2025: 27,298 applications, 21,585 loans actually funded, across 8 kinds of borrowing.
Onondaga County at a glance
27,298Applications decided
2023–2025
21,585Loans funded
79% of decisions
142Census tracts
34 ZIP codes
471,611People
ACS 2023
What the data shows
The typical purchase mortgage here is $205K.
Investment home improvement is the hardest money to get here: lenders approved 42% of 153 applications.
Lending by loan type in Onondaga County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.2% | 12,274 | $205K | 96% | 219 |
| Home improvement loans | 72.6% | 6,183 | $55K | 98% | 92 |
| Cash-out refinance | 78.3% | 3,679 | $145K | 97% | 95 |
| Refinance | 73.7% | 2,716 | $105K | 96% | 109 |
| Investment property purchase | 85.1% | 1,649 | $145K | 93% | 148 |
| Investment cash-out refinance | 74.8% | 425 | $145K | 92% | 72 |
| Investment refinance | 79.0% | 219 | $165K | 97% | 57 |
| Investment home improvement | 41.8% | 153 | $155K | 94% | 40 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.