Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Oswego County, New York
Every institution that decided a 1–4 unit mortgage application in Oswego County between 2023 and 2025: 7,395 applications, 5,558 loans actually funded, across 8 kinds of borrowing.
Oswego County at a glance
7,395Applications decided
2023–2025
5,558Loans funded
75% of decisions
44Census tracts
17 ZIP codes
117,945People
ACS 2023
What the data shows
Lenders approved 83.4% of home-purchase applications in Oswego County, 4.3 points below the New York rate.
The typical purchase mortgage here is $165K.
Lending by loan type in Oswego County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 83.4% | 3,343 | $165K | 94% | 116 |
| Home improvement loans | 72.9% | 1,603 | $55K | 98% | 52 |
| Cash-out refinance | 76.4% | 1,199 | $85K | 98% | 61 |
| Refinance | 76.3% | 645 | $95K | 97% | 64 |
| Investment property purchase | 84.8% | 400 | $125K | 94% | 92 |
| Investment cash-out refinance | 77.9% | 104 | $115K | 85% | 46 |
| Investment refinance | 67.3% | 49 | $135K | 94% | 18 |
| Investment home improvement | 48.1% | 52 | $75K | 92% | 23 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.