DSCR Loans in Oswego County, New York
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 45 lenders made 110 investment-property loans in Oswego County, 0.5% of New York's total. Dominick Prevete arranges DSCR loans across Oswego County, New York, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $225,000.
Oswego County investor market at a glance
| Statistic | Oswego County | New York | County rank |
|---|---|---|---|
| Investor loans | 110 | 22,268 | 25th of 26 |
| Reporting lenders | 45 | 396 | 24th of 26 |
| Loan volume | $16.6M | $11.65B | 24th of 26 |
| Average loan | $151K | $523K | 23rd of 26 |
| Median loan | $115K | $405K | 25th of 26 |
| Purchases | 53.6% | 59.1% | 23rd of 26 |
| Cash-out refinances | 26.4% | 25.7% | 10th of 26 |
| 2–4 unit properties | 40.9% | 44.0% | 18th of 26 |
| Top five lenders' share | 33.6% | 22.4% | 15th of 26 |
| Reported business-purpose | 52.7% | 85.6% | 26th of 26 |
Oswego County: closed-end loans on 1–4 unit investment properties. Oswego County's rank is highest first, among New York's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Oswego County's investor loans.
What stands out in Oswego County
52.7% of Oswego County's investor loans were reported as business-purpose, the lowest share of New York's 26 counties with published data (statewide: 85.6%).
Fewer investor loans here were reported as business-purpose than in most of New York. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The median investor loan in Oswego County was $115K, the 2nd-lowest median of New York's 26 counties with published data (statewide: $405K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
53.6% of Oswego County's investor loans were purchases, the 4th-lowest share of New York's 26 counties with published data (statewide: 59.1%).
Refinances are a larger share here than in most of New York. A DSCR refinance qualifies on the property's current rent.
Does a DSCR loan pencil in Oswego County?
At HUD's fair market rent of $1,808 for a 3-bedroom in Oswego County, New York, a rental covers its full DSCR payment up to a purchase price of about $225,000, with 20% down at the 7.25% starting rate (November 2026). Oswego County's median home value is $151,700; at that price the payment is $1,195 a month, so the property would need $1,200 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,493 / $1,808 / $1,962 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $151,700 |
| Median property taxes and effective rate | $3,646 (2.40% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,195 |
| Rent needed to cover that payment | $1,200 |
| Coverage of a 3-bedroom at fair market rent | 1.51 |
| Highest price a 3-bedroom at fair market rent covers | about $225,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Oswego County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Oswego County?
The most active investment-property lenders in Oswego County in 2025 HMDA data were Pathfinder Bank, Fulton Savings Bank and Seneca Savings, out of 45 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including one that reported in Oswego County, and matches each file to the one most likely to fund it.
Oswego County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 110 loans and $16.6M from 45 lenders. Pathfinder Bank led Oswego County with 9 loans, 8.2% of the county's total, and the average Oswego County loan of $151K compares with $523K across New York.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Pathfinder Bank | 9 | $1.1M | $123K | 33.3% |
| Fulton Savings Bank | 9 | $0.8M | $88K | 77.8% |
| Seneca Savings | 7 | $1.6M | $232K | 14.3% |
| NBT Bank, National Association | 6 | $0.7M | $112K | 83.3% |
| AMERICAN HERITAGE LENDING, LLC | 6 | $0.6M | $105K | 50.0% |
| Community Bank, National Association | 5 | $0.6M | $115K | 100.0% |
| Empower Federal Credit Union | 5 | $0.5M | $107K | 20.0% |
| MOVEMENT MORTGAGE, LLC | 4 | $0.5M | $123K | 25.0% |
| NORTHERN CREDIT UNION | 4 | $0.5M | $115K | 25.0% |
| Farm Credit East, ACA | 3 | $0.5M | $158K | 66.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3 | $0.4M | $148K | 100.0% |
| EVERETT FINANCIAL, INC. | 3 | $0.4M | $135K | 100.0% |
| Genesee Regional Bank | 3 | $0.4M | $122K | 100.0% |
| HOMESTEAD FUNDING CORP. | 3 | $0.3M | $115K | 66.7% |
| U.S. Bank National Association | 3 | $0.3M | $95K | 33.3% |
| Loan Funder LLC | 2 | $1.9M | $960K | 0.0% |
| AMERICU Credit Union | 2 | $1.0M | $485K | 50.0% |
| Tompkins Community Bank | 2 | $0.3M | $175K | 100.0% |
| Kiavi Funding, Inc. | 2 | $0.2M | $120K | 100.0% |
| Hometown Equity Mortgage, LLC | 2 | $0.2M | $110K | 0.0% |
| RPE Home, Inc | 2 | $0.2M | $105K | 0.0% |
| Griffin Funding, Inc. | 2 | $0.2M | $100K | 0.0% |
| LEI:984500RF83EA742B5589 | 1 | $0.4M | $365K | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | $0.3M | $305K | 100.0% |
| The Canandaigua National Bank and Trust Company | 1 | $0.3M | $255K | 0.0% |
617 New York loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Oswego County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Oswego County CSV, all 25 lenders
What Oswego County's table can't show you: fit. Short-term financing is exempt from HMDA, so Oswego County's fix-and-flip and bridge lenders barely appear among its 45 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Oswego County, New York deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Oswego County, New York property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Oswego County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 45 lenders and 110 loans: 2025 HMDA loan-level data rolled up to Oswego County.
- Oswego County investor-lender dataset (CSV) — All 25 lenders in the Oswego County, New York table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Oswego County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Syracuse, NY MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Oswego County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.