Applications / Mortgage Analytics / Lenders / New York / Oswego County Federal Credit Union
Oswego, NY · Credit union · NCUA · $147 million assets · 104 loans in 2025
Oswego County Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
104
loans originated, 2025
148
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Oswego County Federal Credit Union makes small loans to homeowners of modest means, and nearly half its borrowers had low or moderate incomes in 2025.
Refinancing made up 54.8% of its 104 loans and home improvement 23.1%; purchases were 7.7%. Its typical loan was $55,000, against $100,000 at the typical similar lender (credit unions making between half and twice as many loans), smaller than at almost all of them.
Low- and moderate-income (LMI) borrowers took 48.1% of its loans, against 29.8% at the typical peer, and 35.6% of its loans were in LMI neighborhoods, against 17.2%. Both shares were higher than at more than nine in ten similar lenders.
None of its loans was higher-priced, at a rate well above the average for similar loans, against 3.1% at the typical peer. Its typical rate was 6.44%, against 6.75%.
Its loans rose 12%, from 93 to 104, a little faster than the 8% of similar lenders. It first reported in 2012 and made 27 loans in 2018; its busiest year was 2023, with 151. In Syracuse, its main market, it ranked 56 of 246 lenders with a 0.3% share, unchanged on the year; Empower Federal Credit Union leads there.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Oswego County Federal Credit Union took 148 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 54.8% · Home improvement 23.1% · Other 14.4% · Purchase 7.7%
Conventional 100.0% · of 104 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 104 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Syracuse | 103 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300D6JK30QTSRHB52 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 741385 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 521927 | 2012–2017 |
Established 1 January 1975. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Oswego County Federal Credit Union's data.
Oswego County Federal Credit Union's data
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Oswego County Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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