Lenders › Oswego County FCU › New York
Oswego County FCU in New York
HMDA record for properties in New York, calendar year 2024. National record · New York overview
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.
In New York, Oswego County FCU reported 142 applications and 91 originations for 2024, $6.1m in all.
Its denial rate in the state was 12.6%, below the New York rate of 25.4% across all lenders and compared with the lender's national rate of 12.4%.
Applications in the state were down 35% on 2023.
Compared with the state and the lender's national record
| Measure | In New York | New York, all lenders | Oswego County FCU, all states | United States |
|---|---|---|---|---|
| Denial rate | 12.6% | 25.4% | 12.4% | 24.3% |
| Median rate spread, pp | — | 0.3 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 15.0% | — | 15.6% |
| Average originated loan | $67k | $446k | $67k | $329k |
| Home purchase share | 8.8% | 55.3% | 8.6% | 57.0% |
| FHA-insured share | 0.0% | 7.4% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 2.4% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNew York, all lenders
Loan purpose and loan type in New York
By purpose
Home purchase 9% (8)Home improvement 22% (20)Refinancing 2% (2)Cash-out refinancing 48% (44)Other purpose 19% (17)
By type
Conventional 100% (91)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in New York
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Oswego County | 132 | 84 | $5.0m | 11.8% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Oswego County FCU originate in New York in 2024?
91 loans totalling $6.1m, from 142 applications reported for properties in New York.
What is Oswego County FCU's denial rate in New York?
12.6% of decided applications in New York were denied, against 25.4% for all lenders in the state and 12.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which New York counties does Oswego County FCU lend in most?
By originations: Oswego County (84).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in New York. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.