States › New York › Oswego County
Oswego County, New York
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 3,063 mortgage applications in Oswego County, New York, for 2024, and originated 1,936 loans worth $260m.
That is 41.0 originations per 1,000 households, against 27.0 for New York and 48.0 nationally.
The county's denial rate was 24.3%, close to the state rate of 25.4%. The median rate spread on originated loans was 0.4 percentage points and 13.9% of originations were 1.5 points or more above the average prime offer rate.
29 lenders reached 25 applications in the county; the most active by originations were Empower Federal Credit Union (477), Fulton Savings Bank (121) and Rocket Mortgage (113).
Originations were down 5% on 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 29. Denial rate is denials over decided applications in this county.
Compared with New York and the nation
| Measure | This county | New York | United States |
|---|---|---|---|
| Denial rate | 24.3% | 25.4% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 13.9% | 15.0% | 15.6% |
| Average originated loan | $135k | $446k | $329k |
| Originations per 1,000 households | 41.0 | 27.0 | 48.0 |
| Home purchase share of originations | 47.5% | 55.3% | 57.0% |
| FHA-insured share | 7.7% | 7.4% | 13.4% |
| VA-guaranteed share | 5.0% | 2.4% | 7.9% |
Rate spread distribution
Share of 1,183 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: New York). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 47% (919)Home improvement 18% (357)Refinancing 8% (153)Cash-out refinancing 16% (307)Other purpose 10% (200)
By type
Conventional 87% (1,680)FHA 8% (149)VA 5% (97)USDA 1% (10)
Trend by year
ApplicationsOriginations
This countyNew York
Questions and answers
Which lenders are most active in Oswego County, NY?
By 2024 originations: Empower Federal Credit Union (477), Fulton Savings Bank (121), Rocket Mortgage (113), Americu Credit Union (93), Community Bank, N.A. (90). 29 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Oswego County?
24.3% of decided applications were denied in 2024, against 25.4% across New York and 24.3% nationally.
How many mortgages were originated in Oswego County in 2024?
1,936 loans totalling $260m, from 3,063 applications; 41.0 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 36075; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.