Delaware County
New York · FIPS 36025
According to CFPB HMDA 2024 application volume among U.S. counties, Delaware County ranks #1,323 of 3,210, and #50 of 62 in New York.
Mortgage lending activity in Delaware 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. Delaware County, New York saw 1,116 HMDA-reported mortgage applications in 2024. Lenders originated 559 of those loans and denied 261, producing a denial rate of 23.4% and an approval (origination) rate of 50.1%. The average loan amount was $178,145 at an average note rate of 7.08%, with applicants self-reporting average annual income of $36K. 102 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 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 Delaware County
In Delaware County, lead originator Sidney Federal Credit Union funded 19.0% of 559 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 40.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Delaware County's 1,116 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Delaware County's $178,145 average loan (deduped against volume peers).
Lenders active in Delaware County
Sidney Federal Credit Union funded 106 of the 559 loans originated in Delaware County, 19.0% of the county. 102 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Sidney Federal Credit Union | 106 | 19.0% |
| 2 | Wayne Bank | 71 | 12.7% |
| 3 | Community Bank, N.A. | 51 | 9.1% |
| 4 | Rocket Mortgage | 48 | 8.6% |
| 5 | Nbt Bank NA | 33 | 5.9% |
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 Delaware 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 Delaware 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.