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2024 data HMDA 2024 disclosure official source

Chenango County

1,052 mortgage applications, 20.3% denial rate. Verify FIPS 36017 with U.S. Census Bureau →

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New York · FIPS 36017

Local mortgage market. Chenango County, New York saw 1,052 HMDA-reported mortgage applications in 2024. Lenders originated 583 of those loans and denied 214, producing a denial rate of 20.3% and an approval (origination) rate of 55.4%. The average loan amount was $126,502 at an average note rate of 6.82%, with applicants self-reporting average annual income of $36K. 76 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.5x, meaning typical borrowers took on mortgages of about 3.5 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 36017 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,052
Applications
583
Originated
20.3%
Denial Rate
55.4%
Approval Rate
$126,502
Avg Loan Amount
6.82%
Avg Interest Rate
$36K
Avg Applicant Income
3.5x
Loan-to-Income Ratio

Nearby Lenders in Chenango 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 Nbt Bank NA 105 18.0%
2 Sidney Federal Credit Union 70 12.0%
3 Community Bank, N.A. 49 8.4%
4 Rocket Mortgage 46 7.9%
5 Visions Federal Credit Union 38 6.5%
Compare Nbt Bank NA vs Sidney Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Chenango County?
In the 2024 HMDA reporting year, 1,052 mortgage applications were filed in Chenango County, New York. Of these, 583 were originated (approved and funded), while 214 were denied, resulting in a denial rate of 20.3%.
What is the mortgage denial rate in Chenango County?
The mortgage denial rate in Chenango County is 20.3%. The approval (origination) rate is 55.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Chenango County?
The average mortgage loan amount in Chenango County is $126,502. The average interest rate is 6.823%. The average applicant income is $36K.
What is the loan-to-income ratio in Chenango County?
The average loan-to-income ratio in Chenango County is 3.5x, meaning borrowers took on loans averaging 3.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Chenango County?
The top mortgage lenders in Chenango County by origination volume are Nbt Bank NA, Sidney Federal Credit Union, Community Bank, N.A.. In total, 76 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.