Home purchase lenders in Oswego County
1,035 home purchase mortgages were made in Oswego County, New York, in 2025, by 119 lenders. The median rate their borrowers got was 6.625% on a median loan of $175,000. Of 1,311 decisions, 205 were denials — 15.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Empower Federal Credit Union | 120 | 6.500% | $160,000 | 5.3% |
| Fulton Savings Bank | 80 | Not published | $150,000 | 2.4% |
| Pathfinder Bank | 57 | Not published | $135,000 | 4.8% |
| AMERICU Credit Union | 48 | 6.000% | $175,000 | 17.2% |
| Community Bank, National Association | 48 | 7.500% | $155,000 | 11.1% |
| HOMESTEAD FUNDING CORP. | 48 | 6.625% | $205,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 45 | 6.750% | $195,000 | 5.1% |
| Rocket Mortgage, LLC | 44 | 6.875% | $160,000 | 25.0% |
| EVERETT FINANCIAL, INC. | 39 | 6.625% | $175,000 | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 36 | 6.049% | $175,000 | 9.5% |
| NORTHERN CREDIT UNION | 32 | 6.490% | $185,000 | 5.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 29 | 6.875% | $175,000 | 9.4% |
| Genesee Regional Bank | 26 | 6.688% | $180,000 | 20.0% |
| NBT Bank, National Association | 24 | 6.375% | $135,000 | 12.5% |
| HUNT MORTGAGE CORPORATION | 23 | 6.625% | $205,000 | 17.9% |
| SEFCU SERVICES, LLC | 22 | 6.375% | $240,000 | 0.0% |
| PREMIUM MORTGAGE CORPORATION | 21 | 6.624% | $235,000 | 0.0% |
| 21st Mortgage Corporation | 20 | 9.140% | $150,000 | 61.5% |
| Mortgage Research Center, LLC | 20 | 6.688% | $210,000 | 8.7% |
| PLAZA HOME MORTGAGE, INC. | 20 | 6.563% | $195,000 | 16.7% |
| Manufacturers and Traders Trust Company | 18 | 6.438% | $230,000 | 14.3% |
| Sidney Federal Credit Union | 15 | 6.125% | $205,000 | 11.1% |
| KeyBank National Association | 14 | 6.563% | $200,000 | 30.0% |
| Navy Federal Credit Union | 10 | 6.000% | $260,000 | 16.7% |
| COMPASS FEDERAL CREDIT UNION | 10 | 6.282% | $160,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Geddes Federal Savings and Loan Association | 9 | Under 10 loans | Under 10 loans | 8.3% |
| TRIAD FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 53.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Farm Credit East, ACA | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Oswego County Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| Seneca Savings | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Solvay Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| The Lyons National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tompkins Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 3 | Under 10 loans | Under 10 loans | 71.4% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| NEWREZ LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| THE SUMMIT Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Oswego Teachers Employees Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Carthage Savings and Loan, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SECNY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 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% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Utica Gas & Electric Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 2 | 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% |
| PENNYMAC LOAN SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broadview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ATLANTA POSTAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The People's Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY FIRST OF NY | 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% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Canandaigua National Bank and Trust Company | 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% |
| CFCU COMMUNITY Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| RELIANT HOME FUNDING, INC | 0 | Under 10 loans | Under 10 loans | Not published |
| ICE LENDER HOLDINGS LLC | 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% |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| MIDFLORIDA | 0 | Under 10 loans | Under 10 loans | Not published |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| ESL Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONSTAR MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| VELOCITY COMMERCIAL CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Visions Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Chemung Canal Trust Company | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 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.
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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.