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2024 data HMDA 2024 disclosure official source

Fulton County

1,483 mortgage applications, 20.9% denial rate. Verify FIPS 36035 with U.S. Census Bureau →

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New York · FIPS 36035

Local mortgage market. Fulton County, New York saw 1,483 HMDA-reported mortgage applications in 2024. Lenders originated 799 of those loans and denied 310, producing a denial rate of 20.9% and an approval (origination) rate of 53.9%. The average loan amount was $152,276 at an average note rate of 7.00%, with applicants self-reporting average annual income of $38K. 99 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 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 36035 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,483
Applications
799
Originated
20.9%
Denial Rate
53.9%
Approval Rate
$152,276
Avg Loan Amount
7.00%
Avg Interest Rate
$38K
Avg Applicant Income
4.0x
Loan-to-Income Ratio

Nearby Lenders in Fulton 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 Community Bank, N.A. 88 11.0%
2 Homestead Funding Corp. 81 10.1%
3 Rocket Mortgage 67 8.4%
4 Nbt Bank NA 61 7.6%
5 Broadview Federal Credit Union 53 6.6%
Compare Community Bank, N.A. vs Homestead Funding Corp. →

Frequently Asked Questions

How many mortgage applications were filed in Fulton County?
In the 2024 HMDA reporting year, 1,483 mortgage applications were filed in Fulton County, New York. Of these, 799 were originated (approved and funded), while 310 were denied, resulting in a denial rate of 20.9%.
What is the mortgage denial rate in Fulton County?
The mortgage denial rate in Fulton County is 20.9%. The approval (origination) rate is 53.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Fulton County?
The average mortgage loan amount in Fulton County is $152,276. The average interest rate is 7.001%. The average applicant income is $38K.
What is the loan-to-income ratio in Fulton County?
The average loan-to-income ratio in Fulton County is 4.0x, meaning borrowers took on loans averaging 4.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Fulton County?
The top mortgage lenders in Fulton County by origination volume are Community Bank, N.A., Homestead Funding Corp., Rocket Mortgage. In total, 99 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.