Oswego County Federal Credit Union mortgage approval rate & lending review
Oswego County Federal Credit Union decided 326 mortgage applications and funded 278 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Oswego County Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Oswego County Federal Credit Union at a glance
Approval is 18.3 points above the 68.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 24 / 25 | 100% | $125K | 24 |
| Home improvement loans | 91% | 84 / 92 | 98% | $45K | 82 |
| Cash-out refinance | 83% | 149 / 180 | 98% | $55K | 146 |
| Refinance | 92% | 23 / 25 | 96% | $35K | 22 |
Oswego County Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 87% | $55K | 325 | 277 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Oswego County Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oswego County, NY | Cash-out refinance | 83% | 175 | 142 |
| Oswego County, NY | Home improvement loans | 92% | 85 | 76 |
| Oswego County, NY | Refinance | 92% | 24 | 21 |
| Oswego County, NY | Mortgage lenders | 95% | 21 | 20 |
The county markets where Oswego County Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Oswego County Federal Credit Union
What is Oswego County Federal Credit Union's mortgage approval rate?
Oswego County Federal Credit Union approved 87.1% of the 326 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 18.3 points above the 68.8% national rate for the same mix of loan types.
How often do borrowers take the loan Oswego County Federal Credit Union offers?
Borrowers accepted 98% of the loans Oswego County Federal Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Oswego County Federal Credit Union make?
The typical cash-out refinance loan Oswego County Federal Credit Union made was $55K; across all loan types its typical loan ran from $35K to $125K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Oswego County Federal Credit Union lend?
Oswego County Federal Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in New York and Florida.
Can I apply to Oswego County Federal Credit Union directly?
Yes. Oswego County Federal Credit Union is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Oswego County Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Oswego County Federal Credit Union treats applications, then get a rate quote from the lender.