Sidney Federal Credit Union
Sidney Federal Credit Union received 1,493 applications in 2025 and made 1,069 mortgages, in 60 counties across 3 states. The median rate its borrowers got was 6.250% on a median loan of $175,000. Of 1,312 decisions, 182 were denials — 13.9%, most often for credit history.
| Legal Entity Identifier | 254900641GGR26VXNC67 |
|---|---|
| Applications received | 1,493 |
| Mortgages made | 1,069 |
| Denied | 182 |
| Approved, not taken up | 61 |
| Withdrawn or incomplete | 181 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.07 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 629 | 6.125% | $245,000 | 4.3% |
| Refinancing | 12 | 6.250% | $90,000 | 29.4% |
| Cash-out refinancing | 155 | 6.375% | $115,000 | 13.1% |
| Other purposes | 273 | 6.500% | $55,000 | 29.8% |
Where Sidney Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Onondaga County, NY | 245 | 6.000% | 7.0% |
| Otsego County, NY | 150 | 6.500% | 14.9% |
| Chenango County, NY | 124 | 6.625% | 25.8% |
| Delaware County, NY | 107 | 6.500% | 20.1% |
| Broome County, NY | 50 | 6.625% | 16.7% |
| Saratoga County, NY | 43 | 5.875% | 5.9% |
| Albany County, NY | 39 | 5.938% | 0.0% |
| Oneida County, NY | 35 | 6.000% | 7.5% |
| Warren County, NY | 23 | 6.000% | 3.9% |
| Oswego County, NY | 22 | 6.250% | 17.2% |
| Madison County, NY | 20 | 6.000% | 12.5% |
| Schenectady County, NY | 19 | 6.250% | 8.3% |
| Rensselaer County, NY | 18 | 6.000% | 5.0% |
| Washington County, NY | 16 | 6.250% | 10.5% |
| Schoharie County, NY | 15 | 6.625% | 16.7% |
| Fulton County, NY | 13 | 6.600% | 13.3% |
| Montgomery County, NY | 13 | 6.313% | 13.3% |
| Columbia County, NY | 12 | 6.063% | 0.0% |
| Cayuga County, NY | 10 | 6.125% | 8.3% |
| Tioga County, NY | 8 | Under 10 loans | 0.0% |
| Ulster County, NY | 8 | Under 10 loans | 11.1% |
| Jefferson County, NY | 7 | Under 10 loans | 11.1% |
| Westchester County, NY | 7 | Under 10 loans | 0.0% |
| Essex County, NY | 6 | Under 10 loans | 14.3% |
| Herkimer County, NY | 6 | Under 10 loans | 25.0% |
| Orange County, NY | 6 | Under 10 loans | 14.3% |
| Monroe County, NY | 5 | Under 10 loans | 16.7% |
| Hamilton County, NY | 4 | Under 10 loans | 0.0% |
| Tompkins County, NY | 4 | Under 10 loans | 0.0% |
| Kings County, NY | 3 | Under 10 loans | 0.0% |
| Suffolk County, NY | 3 | Under 10 loans | 50.0% |
| Cortland County, NY | 2 | Under 10 loans | 33.3% |
| Ontario County, NY | 2 | Under 10 loans | 0.0% |
| Sullivan County, NY | 2 | Under 10 loans | 0.0% |
| Allegheny County, PA | 2 | Under 10 loans | 0.0% |
| Wayne County, PA | 2 | Under 10 loans | 33.3% |
| Morris County, NJ | 1 | Under 10 loans | 0.0% |
| Bronx County, NY | 1 | Under 10 loans | 0.0% |
| Cattaraugus County, NY | 1 | Under 10 loans | 0.0% |
| Chautauqua County, NY | 1 | Under 10 loans | 0.0% |
| Chemung County, NY | 1 | Under 10 loans | 0.0% |
| Clinton County, NY | 1 | Under 10 loans | 0.0% |
| Dutchess County, NY | 1 | Under 10 loans | 66.7% |
| Franklin County, NY | 1 | Under 10 loans | 0.0% |
| Greene County, NY | 1 | Under 10 loans | 50.0% |
| Nassau County, NY | 1 | Under 10 loans | 0.0% |
| New York County, NY | 1 | Under 10 loans | 0.0% |
| Rockland County, NY | 1 | Under 10 loans | 50.0% |
| St. Lawrence County, NY | 1 | Under 10 loans | 0.0% |
| Seneca County, NY | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.