Mortgage lenders in Oswego County
2,251 mortgages were made in Oswego County, New York, in 2025, by 154 lenders. The median rate their borrowers got was 6.750% on a median loan of $125,000. Of 2,979 decisions, 623 were denials — 20.9%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Empower Federal Credit Union | 500 | 7.250% | $85,000 | 17.6% |
| Rocket Mortgage, LLC | 149 | 6.625% | $145,000 | 23.7% |
| AMERICU Credit Union | 135 | 6.000% | $105,000 | 26.6% |
| Fulton Savings Bank | 134 | Not published | $115,000 | 2.1% |
| Oswego County Federal Credit Union | 97 | 6.438% | $55,000 | 9.4% |
| Community Bank, National Association | 85 | 7.240% | $115,000 | 24.8% |
| NBT Bank, National Association | 84 | 5.000% | $95,000 | 18.2% |
| Pathfinder Bank | 83 | Not published | $135,000 | 12.5% |
| NORTHERN CREDIT UNION | 57 | 6.250% | $145,000 | 7.9% |
| COMPASS FEDERAL CREDIT UNION | 56 | 6.500% | $75,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 53 | 6.750% | $195,000 | 8.2% |
| HOMESTEAD FUNDING CORP. | 49 | 6.625% | $205,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 41 | 6.625% | $185,000 | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 40 | 5.999% | $175,000 | 10.6% |
| Manufacturers and Traders Trust Company | 38 | 6.000% | $120,000 | 33.9% |
| KeyBank National Association | 32 | 6.688% | $145,000 | 49.2% |
| Broadview Federal Credit Union | 29 | 6.250% | $75,000 | 23.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 29 | 6.875% | $175,000 | 11.8% |
| Genesee Regional Bank | 27 | 6.750% | $185,000 | 21.4% |
| SEFCU SERVICES, LLC | 24 | 6.375% | $240,000 | 0.0% |
| HUNT MORTGAGE CORPORATION | 23 | 6.625% | $205,000 | 17.9% |
| Citizens Bank, National Association | 22 | 8.650% | $85,000 | 45.0% |
| Sidney Federal Credit Union | 22 | 6.250% | $175,000 | 17.2% |
| Mortgage Research Center, LLC | 21 | 6.625% | $215,000 | 26.7% |
| PREMIUM MORTGAGE CORPORATION | 21 | 6.624% | $235,000 | 0.0% |
| 21st Mortgage Corporation | 20 | 9.140% | $150,000 | 62.1% |
| PLAZA HOME MORTGAGE, INC. | 20 | 6.563% | $195,000 | 20.0% |
| Loandepot.Com, LLC | 17 | 7.125% | $75,000 | 19.1% |
| Geddes Federal Savings and Loan Association | 16 | 6.063% | $190,000 | 5.3% |
| Navy Federal Credit Union | 14 | 6.000% | $260,000 | 44.4% |
| Farm Credit East, ACA | 14 | 7.275% | $170,000 | 6.7% |
| Bank of America, National Association | 12 | 6.740% | $60,000 | 45.5% |
| Seneca Savings | 11 | Not published | $155,000 | 15.4% |
| Oswego Teachers Employees Federal Credit Union | 11 | Not published | $105,000 | 0.0% |
| NEWREZ LLC | 10 | 6.750% | $160,000 | 52.4% |
| JPMorgan Chase Bank, National Association | 10 | 6.933% | $190,000 | 16.7% |
| PENNYMAC LOAN SERVICES, LLC | 10 | 5.995% | $170,000 | 21.4% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 43.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| THE SUMMIT Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Barrington Bank & Trust Company, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 53.1% |
| Visions Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Tompkins Community Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 22.2% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 51.5% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Solvay Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| M&T REALTY CAPITAL CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Lyons National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SYRACUSE FIRE DEPARTMENT EMPLOYEES | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SECNY Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RELIANCE FIRST CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ACMG Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 3 | Under 10 loans | Under 10 loans | 71.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Carthage Savings and Loan, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Canandaigua National Bank and Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Utica Gas & Electric Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 72.7% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Griffin Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CORNING CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CFCU COMMUNITY Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RPE Home, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SOURCE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| FIGURE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 66.7% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Adirondack Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTA POSTAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The People's Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advantage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVU FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY FIRST OF NY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Farm Credit, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SEMPER HOME LOANS, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROME TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOGETHER CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ESL Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| HUDSON VALLEY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Chemung Canal Trust Company | 0 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| RELIANT HOME FUNDING, INC | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MID-HUDSON VALLEY Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Dart Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOME TOWN FUNDING, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MIDFLORIDA | 0 | Under 10 loans | Under 10 loans | Not published |
| Luminate Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Ixonia Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Oswego County
24 FDIC-insured branches from 6 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Pathfinder Bank | 7 | $714.9 million |
| Community Bank, National Association | 4 | $290.9 million |
| NBT Bank, National Association | 4 | $230.5 million |
| Fulton Savings Bank | 4 | $221.8 million |
| KeyBank National Association | 4 | $146.0 million |
| JPMorgan Chase Bank, National Association | 1 | $72.4 million |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.