Cash-out refinance lenders in Oswego County, New York
Fat Boy Data analyzed cash-out 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. 1,199 applications were decided by 61 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 cash-out refinances in Oswego County, NY, 276 of them.
That is 31% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.
Compass Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 99% of 78.
The typical cash-out refinance here is $85K, 54% smaller than the New York typical of $185K.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Cash-out refinance lenders in Oswego County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Empower Federal Credit Union | 84% | 278 / 332 | 99% | $85K | 276 |
| 2 | Rocket Mortgage, LLC | 73% | 168 / 230 | 98% | $135K | 165 |
| 3 | Oswego County Federal Credit Union | 83% | 145 / 175 | 98% | $55K | 142 |
| 4 | Compass Federal Credit Union | 99% | 77 / 78 | 100% | $65K | 77 |
| 5 | Pathfinder Bank | 86% | 37 / 43 | 97% | $95K | 36 |
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 56 more lenders.
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You are seeing the 5 largest cash-out 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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