Refinance lenders in Oswego County, New York
Fat Boy Data analyzed mortgage refinance activity in Oswego County, New York to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 645 applications were decided by 64 lenders between 2023 and 2025.
Oswego County at a glance
How Oswego County compares
What the data shows
Empower Federal Credit Union made the most mortgage refinances in Oswego County, NY, 80 of them.
Fulton Savings Bank approved the highest share of applications among lenders with at least 20 decisions here, 98% of 51.
Lenders approved 76.3% of mortgage refinance applications in Oswego County, NY, 5.3 percentage points above the New York rate of 71.0%.
The typical mortgage refinance here is $95K, 54% smaller than the New York typical of $205K.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Refinance lenders in Oswego County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Empower Federal Credit Union | 81% | 80 / 99 | 100% | $75K | 80 |
| 2 | NBT Bank, National Association | 82% | 70 / 85 | 97% | $85K | 68 |
| 3 | AMERICU Credit Union | 64% | 39 / 61 | 100% | $95K | 39 |
| 4 | Fulton Savings Bank | 98% | 50 / 51 | 96% | $115K | 48 |
| 5 | Rocket Mortgage, LLC | 90% | 44 / 49 | 98% | $165K | 43 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.
Fat Boy found 59 more lenders.
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You are seeing the 5 largest mortgage refinance lenders in Oswego County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.
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