Chenango County
New York · FIPS 36017
According to CFPB HMDA 2024 application volume among U.S. counties, Chenango County ranks #1,380 of 3,210, and #51 of 62 in New York.
Mortgage lending activity in Chenango 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Chenango County
In Chenango County, lead originator Nbt Bank NA funded 18.0% of 583 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 38.4% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Chenango County's 1,052 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Chenango County's $126,502 average loan (deduped against volume peers).
Lenders active in Chenango County
Nbt Bank NA funded 105 of the 583 loans originated in Chenango County, 18.0% of the county. 76 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Chenango County borrowers.
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 Chenango County 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. 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.