Oswego County Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
54th8.8% deniedProcesswithdrawn + incomplete share, weight 15%
14th23.0%Closing coststotal loan costs ÷ loan amount, weight 10%
2nd6.77% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 220 | 151 | 15.5% | 18.2% | 6.13% | $9.1M |
| 2024 | 144 | 93 | 9.7% | 12.4% | 6.63% | $6.2M |
| 2025 | 148 | 104 | 6.8% | 8.8% | 6.44% | $6.9M |
What Oswego County Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 1 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 0 investment properties.
Why Oswego County Federal Credit Union denies applications
Primary reason reported for each of the 10 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Oswego County Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 29 | 16 | 15.8% |
| $50k – $100k | 70 | 49 | 5.8% |
| $100k – $150k | 27 | 20 | 9.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 25 | 14 | 0.0% |
| 35–44 | 27 | 16 | 11.1% |
| 45–54 | 30 | 25 | 7.4% |
| 55–64 | 37 | 29 | 9.4% |
Where Oswego County Federal Credit Union lends
2 states and 3 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 147 | 103 | 6.8% | 6.44% | #234 |
Frequently asked questions
Oswego County Federal Credit Union denied 8.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 54th percentile of small mortgage lenders.
The most common reason Oswego County Federal Credit Union gave in 2025 was "incomplete application", cited on 100.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Oswego County Federal Credit Union originated in 2025 was 6.44%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 8% of its applications were for home purchases, 47% for refinancing (including cash-out), and 45% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.