Fulton County
New York · FIPS 36035
According to CFPB HMDA 2024 application volume among U.S. counties, Fulton County ranks #1,132 of 3,223, and #43 of 62 in New York.
Mortgage lending activity in Fulton 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. Fulton County, New York lenders denied 310 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Fulton County
In Fulton County, lead originator Community Bank, N.A. funded 11.0% of 799 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 29.5% 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 Fulton County's 1,483 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Fulton County's $152,276 average loan (deduped against volume peers).
Lenders active in Fulton County
Community Bank, N.A. funded 88 of the 799 loans originated in Fulton County, 11.0% of the county. 99 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Fulton 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 Fulton 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.