# Geddes Federal Savings and Loan Association

> **Canonical URL:** https://saferate.com/lenders/geddes-federal-savings-and-loan-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Geddes Federal Savings and Loan Association is a bank, headquartered in Syracuse, NY, with 225 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 27% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 28% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300XZF8VZFNRNBW38
- **Headquarters:** Syracuse, NY
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NY
- **Markets (MSAs):** 2
- **Primary Channel:** mix
- **Direct Origination:** 30.3%
- **Brokered/Wholesale:** 69.7%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.239%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,634
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 225
- **Dollar Volume:** $58 million
- **Applications Received:** 261
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $259,978
- **Average Borrower Income:** $180,307
- **Average Property Value:** $364,956

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 61/100 | 224 | -0.236% | $1,638 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 211 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 60/100 | 212 | $56M | -0.244% | Strong 😀 |
| Refinance | 36/100 | 13 | $3M | -0.151% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 225 | 0.20% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Syracuse, NY | NY | 197 | 85/100 |
| Utica | NY | 26 | 62/100 |

## Where This Lender Ranks

Geddes Federal Savings and Loan Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Syracuse, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Syracuse, NY Banks
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/banks)
- 🏆 **#4** in Utica Banks
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/banks)
- 🏆 **#4** in Utica for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Syracuse, NY
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders)
- 🏆 **#6** in Syracuse, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/conventional-loans)
- 🏆 **#9** in Utica
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders)
- 🏆 **#10** in Utica for Conventional Loans
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Geddes Federal Savings and Loan Association offer?

Geddes Federal Savings and Loan Association offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Geddes Federal Savings and Loan Association offer mortgages?

Geddes Federal Savings and Loan Association offers mortgages in 1 states: NY.

### How competitive are Geddes Federal Savings and Loan Association's mortgage rates?

Geddes Federal Savings and Loan Association has a pricing score of 73/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.239% below market average.

### What type of lender is Geddes Federal Savings and Loan Association?

Geddes Federal Savings and Loan Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Syracuse, NY.

### What is Geddes Federal Savings and Loan Association's loan approval success rate?

Geddes Federal Savings and Loan Association has a pull-through score of 72/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/geddes-federal-savings-and-loan-association

### How to Cite

> "Geddes Federal Savings and Loan Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/geddes-federal-savings-and-loan-association

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