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2024 data HMDA 2024 disclosure official source

Oswego County

3,232 mortgage applications, 20.1% denial rate. Verify FIPS 36075 with U.S. Census Bureau →

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New York · FIPS 36075

Local mortgage market. Oswego County, New York saw 3,232 HMDA-reported mortgage applications in 2024. Lenders originated 1,937 of those loans and denied 651, producing a denial rate of 20.1% and an approval (origination) rate of 59.9%. The average loan amount was $132,222 at an average note rate of 7.15%, with applicants self-reporting average annual income of $37K. 109 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.6x, meaning typical borrowers took on mortgages of about 3.6 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 36075 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,232
Applications
1,937
Originated
20.1%
Denial Rate
59.9%
Approval Rate
$132,222
Avg Loan Amount
7.15%
Avg Interest Rate
$37K
Avg Applicant Income
3.6x
Loan-to-Income Ratio

Nearby Lenders in Oswego County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Empower Federal Credit Union 477 24.6%
2 Fulton Savings Bank 121 6.2%
3 Rocket Mortgage 113 5.8%
4 Americu Credit Union 93 4.8%
5 Community Bank, N.A. 90 4.6%
Compare Empower Federal Credit Union vs Fulton Savings Bank →

Frequently Asked Questions

How many mortgage applications were filed in Oswego County?
In the 2024 HMDA reporting year, 3,232 mortgage applications were filed in Oswego County, New York. Of these, 1,937 were originated (approved and funded), while 651 were denied, resulting in a denial rate of 20.1%.
What is the mortgage denial rate in Oswego County?
The mortgage denial rate in Oswego County is 20.1%. The approval (origination) rate is 59.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Oswego County?
The average mortgage loan amount in Oswego County is $132,222. The average interest rate is 7.146%. The average applicant income is $37K.
What is the loan-to-income ratio in Oswego County?
The average loan-to-income ratio in Oswego County is 3.6x, meaning borrowers took on loans averaging 3.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Oswego County?
The top mortgage lenders in Oswego County by origination volume are Empower Federal Credit Union, Fulton Savings Bank, Rocket Mortgage. In total, 109 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.