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2024 data HMDA 2024 disclosure official source

Bronx County

8,390 mortgage applications, 25.7% denial rate. Verify FIPS 36005 with U.S. Census Bureau →

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New York · FIPS 36005

Local mortgage market. Bronx County, New York saw 8,390 HMDA-reported mortgage applications in 2024. Lenders originated 3,554 of those loans and denied 2,160, producing a denial rate of 25.7% and an approval (origination) rate of 42.4%. The average loan amount was $843,337 at an average note rate of 7.27%, with applicants self-reporting average annual income of $39K. 210 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 21.6x, meaning typical borrowers took on mortgages of about 21.6 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 36005 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

8,390
Applications
3,554
Originated
25.7%
Denial Rate
42.4%
Approval Rate
$843,337
Avg Loan Amount
7.27%
Avg Interest Rate
$39K
Avg Applicant Income
21.6x
Loan-to-Income Ratio

Nearby Lenders in Bronx County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 JPMorgan Chase Bank, NA 329 9.3%
2 United Wholesale Mortgage 226 6.4%
3 Crosscountry Mortgage, LLC 182 5.1%
4 Rocket Mortgage 167 4.7%
5 CBNA Year to Date 140 3.9%
Compare JPMorgan Chase Bank, NA vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Bronx County?
In the 2024 HMDA reporting year, 8,390 mortgage applications were filed in Bronx County, New York. Of these, 3,554 were originated (approved and funded), while 2,160 were denied, resulting in a denial rate of 25.7%.
What is the mortgage denial rate in Bronx County?
The mortgage denial rate in Bronx County is 25.7%. The approval (origination) rate is 42.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Bronx County?
The average mortgage loan amount in Bronx County is $843,337. The average interest rate is 7.266%. The average applicant income is $39K.
What is the loan-to-income ratio in Bronx County?
The average loan-to-income ratio in Bronx County is 21.6x, meaning borrowers took on loans averaging 21.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Bronx County?
The top mortgage lenders in Bronx County by origination volume are JPMorgan Chase Bank, NA, United Wholesale Mortgage, Crosscountry Mortgage, LLC. In total, 210 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.