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 sample size; the 5 largest lenders are named, the rest are behind the unlock.
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 borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 56 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest cash-out refinance lenders in Oswego County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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