Franklin County
New York · FIPS 36033
According to CFPB HMDA 2024 application volume among U.S. counties, Franklin County ranks #1,853 of 3,210, and #60 of 62 in New York.
Mortgage lending activity in Franklin 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. Franklin County, New York saw 613 HMDA-reported mortgage applications in 2024. Lenders originated 353 of those loans and denied 118, producing a denial rate of 19.3% and an approval (origination) rate of 57.6%. The average loan amount was $159,861 at an average note rate of 7.04%, with applicants self-reporting average annual income of $36K. 58 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.4x, meaning typical borrowers took on mortgages of about 4.4 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 Franklin County
In Franklin County, lead originator Community Bank, N.A. funded 37.4% of 353 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 53.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Franklin County's 613 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Franklin County's $159,861 average loan (deduped against volume peers).
Lenders active in Franklin County
Community Bank, N.A. funded 132 of the 353 loans originated in Franklin County, 37.4% of the county. 58 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Community Bank, N.A. | 132 | 37.4% |
| 2 | Rocket Mortgage | 39 | 11.0% |
| 3 | Nbt Bank NA | 16 | 4.5% |
| 4 | Absolute Home Mortgage | 14 | 4.0% |
| 5 | Americu Credit Union | 14 | 4.0% |
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 Franklin 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 Franklin 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.