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2024 data HMDA 2024 disclosure official source

Cayuga County

1,919 mortgage applications, 18.8% denial rate. Verify FIPS 36011 with U.S. Census Bureau →

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New York · FIPS 36011

Local mortgage market. Cayuga County, New York saw 1,919 HMDA-reported mortgage applications in 2024. Lenders originated 1,184 of those loans and denied 361, producing a denial rate of 18.8% and an approval (origination) rate of 61.7%. The average loan amount was $146,355 at an average note rate of 7.01%, with applicants self-reporting average annual income of $36K. 109 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.1x, meaning typical borrowers took on mortgages of about 4.1 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 36011 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,919
Applications
1,184
Originated
18.8%
Denial Rate
61.7%
Approval Rate
$146,355
Avg Loan Amount
7.01%
Avg Interest Rate
$36K
Avg Applicant Income
4.1x
Loan-to-Income Ratio

Nearby Lenders in Cayuga 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 Americu Credit Union 123 10.4%
2 The Lyons National Bank 120 10.1%
3 Empower Federal Credit Union 109 9.2%
4 M&T Bank 71 6.0%
5 Auburn Community Federal Credit Union 68 5.7%
Compare Americu Credit Union vs The Lyons National Bank →

Frequently Asked Questions

How many mortgage applications were filed in Cayuga County?
In the 2024 HMDA reporting year, 1,919 mortgage applications were filed in Cayuga County, New York. Of these, 1,184 were originated (approved and funded), while 361 were denied, resulting in a denial rate of 18.8%.
What is the mortgage denial rate in Cayuga County?
The mortgage denial rate in Cayuga County is 18.8%. The approval (origination) rate is 61.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Cayuga County?
The average mortgage loan amount in Cayuga County is $146,355. The average interest rate is 7.010%. The average applicant income is $36K.
What is the loan-to-income ratio in Cayuga County?
The average loan-to-income ratio in Cayuga County is 4.1x, meaning borrowers took on loans averaging 4.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Cayuga County?
The top mortgage lenders in Cayuga County by origination volume are Americu Credit Union, The Lyons National Bank, Empower Federal Credit Union. In total, 109 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.