With over 30 years of experience specializing in manufactured home financing, Approved Credit Services, Inc. offers chattel loan options for homes in communities or on leased land. The team works with multiple lenders to find competitive rates and guides clients through a straightforward loan process, earning praise for their responsiveness and clear communication.
Mariner Finance is known for working with clients who may have less-than-perfect credit, offering personal loan options with clear communication throughout the process. The team provides respectful and professional service, helping with loans and extra financing needs. Some customers note the process can take time but appreciate the understanding approach.
With over 20 years of experience specializing in manufactured home financing, MHD Empire Service Corp. offers competitive loan rates and a streamlined application process. Their team is known for being knowledgeable and responsive, helping first-time buyers navigate the steps with clear guidance and timely communication.
CrossCountry Mortgage specializes in a wide range of loan options, including conventional, FHA, VA, and jumbo loans, tailored to fit various homebuying needs. The team is known for clear communication and accessibility throughout the process, helping borrowers feel supported from application to closing. Some clients note occasional wait times but appreciate the knowledgeable guidance.
Known for clear communication and responsiveness, Sefcu Mortgage Services guides clients through the mortgage process with regular updates and expert advice. The team helps first-time buyers and seasoned clients alike, making complex steps easier to understand. While they don’t maintain a physical office at this location, their support remains accessible throughout.
Syracuse Hard Money specializes in fast, professional hard money lending tailored to real estate investors and developers. The team handles loan approvals and funding efficiently, with customers appreciating their clear communication and responsiveness throughout the process. Some clients note a fast pace, which suits those ready to move quickly on projects.
CrossCountry Mortgage is known for its wide range of mortgage solutions, including home purchase loans, refinancing, and specialized programs like FHA and first-time homebuyer assistance. The team is praised for clear communication and responsiveness, helping clients navigate a complex market with patience and efficiency.
Lenders made 4,198 home-purchase loans in Onondaga County in 2025 (average about $264,000) and denied 487 — 10% of decided applications, compared with 13% across New York, according to federal mortgage data (HMDA, CFPB). In Syracuse, the median home is worth $138,400 and 60% of owners have a mortgage, paying a median $1,238 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Onondaga County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Approved Credit Services, Inc NMLS #9604 | 5.0 | 272 | — | (800) 449-4007 | Visit |
| 2 | Mariner Finance | 4.7 | 181 | — | (315) 449-1531 | Visit |
| 3 | MHD Empire Service Corp. | 4.8 | 43 | $100 | (866) 870-2612 | Visit |
| 4 | Joseph Dougherty at CrossCountry Mortgage | 5.0 | 34 | — | (315) 567-6594 | Visit |
| 5 | Sefcu Mortgage Services | 4.6 | 28 | Quoted per loan | (315) 701-1390 | Visit |
| 6 | Syracuse Hard Money | 5.0 | 15 | Quoted per loan | (315) 849-0099 | Visit |
| 7 | Matt Secor at CrossCountry Mortgage | 5.0 | 4 | — | (585) 880-0848 | Visit |
General information, not financial advice — consult a qualified professional.
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