Oswego County
New York · FIPS 36075
According to CFPB HMDA 2024 application volume among U.S. counties, Oswego County ranks #686 of 3,210, and #24 of 62 in New York.
Mortgage lending activity in Oswego County, New York based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Oswego County
In Oswego County, lead originator Empower Federal Credit Union funded 24.6% of 1,937 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 36.7% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Oswego County's 3,232 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Oswego County's $132,222 average loan (deduped against volume peers).
Lenders active in Oswego County
Empower Federal Credit Union funded 477 of the 1,937 loans originated in Oswego County, 24.6% of the county. 109 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Oswego County borrowers.
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 Oswego County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.