What people paid for mortgages in Oswego County, NY (2025)

Across 913 closed home-purchase loans in 2025, the median interest rate in Oswego was 6.5%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $4,701 on a median loan of $175,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.125%–6.875%
Median total loan costs: $4,701
Median loan amount: $175,000

913 loans, 2025.

Refinance

Median rate: 6.5%
Middle half of rates: 5.99%–7%
Median total loan costs: $5,539
Median loan amount: $135,000

321 loans, 2025.

Lowest median rates in Oswego (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%31 loans, median costs $9,070
2.AMERICU Credit Union6%46 loans, median costs $4,418
3.Empower Federal Credit Union6.5%114 loans, median costs $3,128
4.HOMESTEAD FUNDING CORP.6.625%46 loans, median costs $4,173
5.EVERETT FINANCIAL, INC.6.625%35 loans, median costs $5,360

Among lenders with at least 30 closed purchase loans in Oswego County in 2025.

Refinance

1.NBT Bank, National Association3.49%17 loans, median costs $3,095
2.Rocket Mortgage, LLC6.375%79 loans, median costs $6,226
3.COMPASS FEDERAL CREDIT UNION6.562%10 loans, median costs n/a
4.Oswego County Federal Credit Union6.875%22 loans, median costs $3,865
5.Empower Federal Credit Union7.245%46 loans, median costs $3,206

Among lenders with at least 10 closed refinance loans in Oswego County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.

Lender by lender in Oswego

Every lender that closed at least 5 qualifying loans in Oswego County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	Empower Federal Credit Union	114	6.5%	$3,128	$673	$1,500
2	Fulton Savings Bank	70	n/a	n/a	n/a	n/a
3	Pathfinder Bank	53	n/a	n/a	n/a	n/a
4	AMERICU Credit Union	46	6%	$4,418	$1,445	$942
5	HOMESTEAD FUNDING CORP.	46	6.625%	$4,173	$1,195	$594
6	MOVEMENT MORTGAGE, LLC	43	6.75%	$5,534	$1,832	$681
7	Rocket Mortgage, LLC	42	6.875%	$5,568	$2,234	$1,705
8	Community Bank, National Association	41	7.625%	$0	$0	$1,350
9	EVERETT FINANCIAL, INC.	35	6.625%	$5,360	$2,003	$844
10	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	31	5.999%	$9,070	$4,986	$1,192
11	NORTHERN CREDIT UNION	27	6.375%	$4,155	$1,290	$1,847
12	PRIMELENDING, A PLAINSCAPITAL COMPANY	25	6.875%	$4,976	$1,741	$800
13	HUNT MORTGAGE CORPORATION	22	6.625%	$6,584	$3,764	$2,262
14	Genesee Regional Bank	22	6.625%	$6,762	$1,550	$464
15	SEFCU SERVICES, LLC	21	6.375%	$3,377	$790	$370
16	Mortgage Research Center, LLC	20	6.688%	$4,954	$750	$1,040
17	PLAZA HOME MORTGAGE, INC.broker only	20	6.562%	$9,097	$4,353	$2,597
18	21st Mortgage Corporation	20	9.14%	$7,273	$4,500	n/a
19	PREMIUM MORTGAGE CORPORATION	18	6.438%	$5,082	$1,450	$1,178
20	NBT Bank, National Association	17	6.375%	$3,967	$1,502	$1,488
21	Manufacturers and Traders Trust Company	16	6.375%	$4,138	$1,800	$656
22	Sidney Federal Credit Union	15	6.125%	$3,500	$299	n/a
23	KeyBank National Association	12	6.438%	$4,446	$1,395	$634
24	Navy Federal Credit Union	10	6%	$5,374	$0	$1,784
25	COMPASS FEDERAL CREDIT UNION	10	6.281%	n/a	n/a	n/a
26	JPMorgan Chase Bank, National Association	8	6.875%	$6,314	$2,694	$2,611
27	TRIAD FINANCIAL SERVICES, INC.	7	8.68%	n/a	n/a	n/a
28	CROSSCOUNTRY MORTGAGE, INC.	6	6.688%	$8,393	$2,446	$1,279
29	Solvay Bank	5	n/a	n/a	n/a	n/a
30	Oswego County Federal Credit Union	5	6.375%	$4,637	$840	n/a
31	Geddes Federal Savings and Loan Association	5	6%	$6,112	$3,530	n/a
32	USAA Federal Savings Bank	5	6.125%	$4,029	$1,200	$2,197

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

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What happens after you submit

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Common questions

What mortgage rate did people get in Oswego County in 2025?

The median interest rate on closed home-purchase loans in Oswego County, New York in 2025 was 6.5%, across 913 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.875%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.