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2024 data HMDA 2024 disclosure official source

Chautauqua County

2,501 mortgage applications, 21.2% denial rate. Verify FIPS 36013 with U.S. Census Bureau →

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New York · FIPS 36013

Local mortgage market. Chautauqua County, New York saw 2,501 HMDA-reported mortgage applications in 2024. Lenders originated 1,507 of those loans and denied 531, producing a denial rate of 21.2% and an approval (origination) rate of 60.3%. The average loan amount was $133,944 at an average note rate of 7.24%, with applicants self-reporting average annual income of $36K. 108 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.7x, meaning typical borrowers took on mortgages of about 3.7 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 36013 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,501
Applications
1,507
Originated
21.2%
Denial Rate
60.3%
Approval Rate
$133,944
Avg Loan Amount
7.24%
Avg Interest Rate
$36K
Avg Applicant Income
3.7x
Loan-to-Income Ratio

Nearby Lenders in Chautauqua 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 Community Bank, N.A. 290 19.2%
2 M&T Bank 183 12.1%
3 Rocket Mortgage 151 10.0%
4 Northwest Bank 137 9.1%
5 United Wholesale Mortgage 86 5.7%
Compare Community Bank, N.A. vs M&T Bank →

Frequently Asked Questions

How many mortgage applications were filed in Chautauqua County?
In the 2024 HMDA reporting year, 2,501 mortgage applications were filed in Chautauqua County, New York. Of these, 1,507 were originated (approved and funded), while 531 were denied, resulting in a denial rate of 21.2%.
What is the mortgage denial rate in Chautauqua County?
The mortgage denial rate in Chautauqua County is 21.2%. The approval (origination) rate is 60.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Chautauqua County?
The average mortgage loan amount in Chautauqua County is $133,944. The average interest rate is 7.240%. The average applicant income is $36K.
What is the loan-to-income ratio in Chautauqua County?
The average loan-to-income ratio in Chautauqua County is 3.7x, meaning borrowers took on loans averaging 3.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Chautauqua County?
The top mortgage lenders in Chautauqua County by origination volume are Community Bank, N.A., M&T Bank, Rocket Mortgage. In total, 108 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.