Mortgage lending in Oswego County
2,251 mortgages were originated in Oswego County, New York, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,251
- Median rate
- 6.750%
- Median lender fees
- $4,297
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $125,000
- Above the going rate (spread over APOR)
- 0.259
- Paid discount points
- 26.7%
- Received lender credits
- 15.9%
- Purchases / refinances
- 46% / 24.7%
- Conventional / FHA / VA
- 87.7% / 7.4% / 4.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 55.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $240,000
- That home, 20% down
- $192,000
A median-priced home with 20% down leaves $640,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Oswego County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Empower Federal Credit Union | 500 | $2,389 | 7.250% |
| Rocket Mortgage, LLC | 149 | $5,564 | 6.625% |
| AMERICU Credit Union | 135 | $702 | 6.000% |
| Fulton Savings Bank | 134 | — | — |
| Oswego County Federal Credit Union | 97 | — | — |
| Community Bank, National Association | 85 | — | 7.250% |
| NBT Bank, National Association | 84 | — | 5.000% |
| Pathfinder Bank | 83 | — | — |
| Northern Credit Union | 57 | — | 6.375% |
| Compass Federal Credit Union | 56 | — | 6.500% |
What lenders charged here
Lender fees on a $125,000 loan, based on what was actually charged in Oswego County — not a rule of thumb.
From 1,250 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers