Home improvement loan lenders in Oswego County, New York
Fat Boy Data analyzed home improvement loan 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. 1,603 applications were decided by 52 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 home improvement loans in Oswego County, NY, 527 of them.
That is 46% of every home improvement loan 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, 98% of 51.
Lenders approved 72.9% of home improvement loan applications in Oswego County, NY, 14.2 percentage points above the New York rate of 58.6%.
The typical home improvement loan here is $55K, 27% smaller than the New York typical of $75K.
Only 1 lender here typically writes at or below $35K: Fulton Savings Bank.
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.
Home improvement loan lenders in Oswego County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Empower Federal Credit Union | 77% | 532 / 690 | 99% | $55K | 527 |
| 2 | AMERICU Credit Union | 70% | 88 / 125 | 100% | $55K | 88 |
| 3 | Oswego County Federal Credit Union | 92% | 78 / 85 | 97% | $45K | 76 |
| 4 | Manufacturers and Traders Trust Company | 46% | 30 / 65 | 90% | $45K | 27 |
| 5 | Community Bank, National Association | 80% | 51 / 64 | 98% | $55K | 50 |
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 47 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan 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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