PlainLender
2024 data HMDA 2024 disclosure official source

Dutchess County

8,195 mortgage applications, 20.6% denial rate. Verify FIPS 36027 with U.S. Census Bureau →

PlainLender home → About this data

New York · FIPS 36027

Local mortgage market. Dutchess County, New York saw 8,195 HMDA-reported mortgage applications in 2024. Lenders originated 4,571 of those loans and denied 1,692, producing a denial rate of 20.6% and an approval (origination) rate of 55.8%. The average loan amount was $308,778 at an average note rate of 7.01%, with applicants self-reporting average annual income of $39K. 218 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.9x, meaning typical borrowers took on mortgages of about 7.9 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.

FIPS 36027 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

8,195
Applications
4,571
Originated
20.6%
Denial Rate
55.8%
Approval Rate
$308,778
Avg Loan Amount
7.01%
Avg Interest Rate
$39K
Avg Applicant Income
7.9x
Loan-to-Income Ratio

Nearby Lenders in Dutchess 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 Hudson Valley Credit Union 1,177 25.7%
2 Rocket Mortgage 346 7.6%
3 United Wholesale Mortgage 216 4.7%
4 M&T Bank 165 3.6%
5 Crosscountry Mortgage, LLC 161 3.5%
Compare Hudson Valley Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Dutchess County?
In the 2024 HMDA reporting year, 8,195 mortgage applications were filed in Dutchess County, New York. Of these, 4,571 were originated (approved and funded), while 1,692 were denied, resulting in a denial rate of 20.6%.
What is the mortgage denial rate in Dutchess County?
The mortgage denial rate in Dutchess County is 20.6%. The approval (origination) rate is 55.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Dutchess County?
The average mortgage loan amount in Dutchess County is $308,778. The average interest rate is 7.007%. The average applicant income is $39K.
What is the loan-to-income ratio in Dutchess County?
The average loan-to-income ratio in Dutchess County is 7.9x, meaning borrowers took on loans averaging 7.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Dutchess County?
The top mortgage lenders in Dutchess County by origination volume are Hudson Valley Credit Union, Rocket Mortgage, United Wholesale Mortgage. In total, 218 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.