Columbia County
New York · FIPS 36021
According to CFPB HMDA 2024 application volume among U.S. counties, Columbia County ranks #986 of 3,223, and #34 of 62 in New York.
Mortgage lending activity in Columbia 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. Columbia County, New York lenders denied 366 of the applications reported here, financing the rest at an average note rate of 7.04%, with applicants self-reporting average annual income of $37K. 129 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.6x, meaning typical borrowers took on mortgages of about 7.6 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 Columbia County
In Columbia County, lead originator Homestead Funding Corp. funded 11.0% of 956 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 25.0% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Columbia County's 1,839 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Columbia County's $283,015 average loan (deduped against volume peers).
Lenders active in Columbia County
Homestead Funding Corp. funded 105 of the 956 loans originated in Columbia County, 11.0% of the county. 129 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Homestead Funding Corp. | 105 | 11.0% |
| 2 | Broadview Federal Credit Union | 71 | 7.4% |
| 3 | The Bank of Greene County | 63 | 6.6% |
| 4 | Rocket Mortgage | 55 | 5.8% |
| 5 | Keybank National Association | 55 | 5.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Columbia 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 Columbia 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.