Oswego County Federal Credit Union
Oswego County Federal Credit Union received 147 applications in 2025 and made 103 mortgages, in 3 counties across 1 state. The median rate its borrowers got was 6.438% on a median loan of $55,000. Of 113 decisions, 10 were denials — 8.9%, most often for credit application incomplete. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300D6JK30QTSRHB52 |
|---|---|
| Applications received | 147 |
| Mortgages made | 103 |
| Denied | 10 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 34 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 55 | 6.750% | $55,000 | 8.3% |
| Other purposes | 39 | 6.580% | $45,000 | 11.4% |
Where Oswego County Federal Credit Union lends most
The 3 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Oswego County, NY | 97 | 6.438% | 9.4% |
| Onondaga County, NY | 4 | Under 10 loans | 0.0% |
| Cayuga County, NY | 1 | Under 10 loans | 0.0% |
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When Oswego County Federal Credit Union’s figures are published for the next year, or restated.
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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. 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.