Mortgage lending in Oswego County, New York
Lenders in Oswego County, New York reported 3,485 mortgage applications for 2025, according to the CFPB.
3,485 mortgage applications and 2,252 loans originated in 2025; the denial rate was 20.9% of 2,980 applications decided. The median loan was about $125,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Syracuse, NY MSA.
- 3,485
- Applications
- 2,252
- Loans originated
- 20.9%
- Denial rate
- 623 denied of 2,980 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,485 | 2,252 |
| 2024 | 3,063 | 1,936 |
| 2023 | 3,331 | 2,043 |
| 2022 | 3,751 | 2,419 |
| 2021 | 4,366 | 3,017 |
| 2020 | 3,816 | 2,606 |
| 2019 | 3,369 | 2,164 |
| 2018 | 3,219 | 2,114 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Empower Federal Credit Union | 500 | 691 |
| Rocket Mortgage | 149 | 218 |
| Americu Credit Union | 135 | 200 |
| Fulton Savings Bank | 134 | 146 |
| Oswego County Fcu | 98 | 140 |
| Community Bank, N.A. | 85 | 136 |
| NBT Bank NA | 84 | 121 |
| Pathfinder Bank | 83 | 109 |
| Northern Credit Union | 57 | 68 |
| Compass Federal Credit Union | 56 | 56 |
| Movement Mortgage, LLC | 53 | 82 |
| Homestead Funding Corp. | 49 | 51 |
| Everett Financial, Inc. | 41 | 46 |
| United Wholesale Mortgage | 40 | 53 |
| M&T Bank | 38 | 65 |
| Keybank National Association | 32 | 72 |
| Primelending | 29 | 38 |
| Broadview Federal Credit Union | 29 | 41 |
| Genesee Regional Bank | 27 | 48 |
| SEFCU Services, LLC | 24 | 25 |
| Hunt Mortgage Corporation | 23 | 36 |
| Sidney Federal Credit Union | 22 | 30 |
| Citizens Bank, NA | 22 | 44 |
| Premium Mortgage Corporation | 21 | 22 |
| Mortgage Research Center | 21 | 43 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 24 | no rate: base under 50 |
| Black or African American | 27 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,030 | 20.6% of 2,634 decided |
| 2 or more minority races | under 10 | |
| Joint | 38 | no rate: base under 50 |
| Race Not Available | 350 | 23.2% of 259 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 66 | 34.5% of 55 decided |
| Not Hispanic or Latino | 2,994 | 20.3% of 2,614 decided |
| Joint | 43 | no rate: base under 50 |
| Ethnicity Not Available | 382 | 25.3% of 277 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,363 | 21.9% of 1,170 decided |
| Female | 794 | 25.5% of 675 decided |
| Joint | 1,103 | 16.5% of 974 decided |
| Sex Not Available | 225 | 21.1% of 161 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2425 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved