New York · HMDA 2025
Mortgage lenders in Oswego County, NY
153 lenders reported 3,718 home-loan applications in Oswego County in 2025. 2,252 closed as loans ($352.5M), 623 were denied — a 20.9% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 30% of applications, led by Empower Federal Credit Union. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 3,718
- Loans originated
- 2,252
- Purchase / refinance
- 1,035 / 556
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Oswego County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Empower Federal Credit Union 59 out of 100, Moderate | 696 | 18.7% | 17.2% |
| 2 | Rocket Mortgage, LLC | 225 | 6.1% | — |
| 3 | AMERICU Credit Union 48 out of 100, Below average | 200 | 5.4% | 28.4% |
| 4 | Fulton Savings Bank | 146 | 3.9% | — |
| 5 | Oswego County Federal Credit Union 63 out of 100, Moderate | 140 | 3.8% | 8.8% |
| 6 | Community Bank, National Association 62 out of 100, Moderate | 136 | 3.7% | 18.9% |
| 7 | NBT Bank, National Association 64 out of 100, Moderate | 121 | 3.3% | 23.4% |
| 8 | 21st Mortgage Corporation | 117 | 3.1% | — |
| 9 | Pathfinder Bank | 109 | 2.9% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 83 | 2.2% | — |
| 11 | MOVEMENT MORTGAGE, LLC | 82 | 2.2% | — |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 73 | 2.0% | 14.1% |
| 13 | KeyBank National Association 63 out of 100, Moderate | 72 | 1.9% | 32.8% |
| 14 | NEWREZ LLC | 71 | 1.9% | — |
| 15 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 70 | 1.9% | 32.9% |
| 16 | Citizens Bank, National Association 54 out of 100, Below average | 69 | 1.9% | 32.5% |
| 17 | NORTHERN CREDIT UNION | 68 | 1.8% | — |
| 18 | COMPASS FEDERAL CREDIT UNION 89 out of 100, Very strong | 56 | 1.5% | 0.0% |
| 19 | UNITED SHORE FINANCIAL SERVICES, LLC | 53 | 1.4% | — |
| 20 | HOMESTEAD FUNDING CORP. | 51 | 1.4% | — |
| 21 | Genesee Regional Bank 72 out of 100, Strong | 48 | 1.3% | 5.7% |
| 22 | EVERETT FINANCIAL, INC. | 46 | 1.2% | — |
| 23 | Mortgage Research Center, LLC | 43 | 1.2% | — |
| 24 | Broadview Federal Credit Union 59 out of 100, Moderate | 41 | 1.1% | 29.9% |
| 25 | Navy Federal Credit Union 66 out of 100, Moderate | 39 | 1.0% | 32.9% |
| 26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 38 | 1.0% | — |
| 27 | HUNT MORTGAGE CORPORATION | 36 | 1.0% | — |
| 28 | Bank of America, National Association 59 out of 100, Moderate | 35 | 0.9% | 44.7% |
| 29 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 33 | 0.9% | 74.7% |
| 30 | TRIAD FINANCIAL SERVICES, INC. | 32 | 0.9% | — |
| 31 | Sidney Federal Credit Union 67 out of 100, Moderate | 30 | 0.8% | 13.9% |
| 32 | PLAZA HOME MORTGAGE, INC. | 28 | 0.8% | — |
| 33 | FREEDOM MORTGAGE CORPORATION | 26 | 0.7% | — |
| 34 | SEFCU SERVICES, LLC | 25 | 0.7% | — |
| 35 | Loandepot.Com, LLC | 23 | 0.6% | — |
| 36 | PREMIUM MORTGAGE CORPORATION | 22 | 0.6% | — |
| 37 | Discover Bank | 21 | 0.6% | — |
| 38 | Geddes Federal Savings and Loan Association 74 out of 100, Strong | 19 | 0.5% | 7.1% |
| 39 | CONSTRUCTIVE LOANS, LLC | 17 | 0.5% | — |
| 40 | NATIONSTAR MORTGAGE LLC | 16 | 0.4% | — |
Top 40 of 153 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in New York
- Suffolk County 51,239 apps
- Nassau County 38,055 apps
- Queens County 29,227 apps
- Erie County 26,759 apps
- Kings County 26,693 apps
- Monroe County 26,027 apps
- Westchester County 22,127 apps
- Onondaga County 14,198 apps
- New York County 13,421 apps
- Orange County 13,396 apps
- Richmond County 10,170 apps
- Albany County 9,902 apps