Chautauqua County
New York · FIPS 36013
According to CFPB HMDA 2024 application volume among U.S. counties, Chautauqua County ranks #816 of 3,223, and #29 of 62 in New York.
Mortgage lending activity in Chautauqua County, New York based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Chautauqua County, New York lenders denied 531 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Chautauqua County
In Chautauqua County, lead originator Community Bank, N.A. funded 19.2% of 1,507 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 41.4% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Chautauqua County's 2,501 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Chautauqua County's $133,944 average loan (deduped against volume peers).
Lenders active in Chautauqua County
Community Bank, N.A. funded 290 of the 1,507 loans originated in Chautauqua County, 19.2% of the county. 108 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Chautauqua County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Chautauqua County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.