Greene County
New York · FIPS 36039
According to CFPB HMDA 2024 application volume among U.S. counties, Greene County ranks #1,033 of 3,210, and #38 of 62 in New York.
Mortgage lending activity in Greene 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. Greene County, New York saw 1,667 HMDA-reported mortgage applications in 2024. Lenders originated 846 of those loans and denied 332, producing a denial rate of 19.9% and an approval (origination) rate of 50.7%. The average loan amount was $245,954 at an average note rate of 7.12%, with applicants self-reporting average annual income of $37K. 129 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.6x, meaning typical borrowers took on mortgages of about 6.6 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 Greene County
In Greene County, lead originator Homestead Funding Corp. funded 18.0% of 846 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 35.2% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Greene County's 1,667 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Greene County's $245,954 average loan (deduped against volume peers).
Lenders active in Greene County
Homestead Funding Corp. funded 152 of the 846 loans originated in Greene County, 18.0% of the county. 129 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Homestead Funding Corp. | 152 | 18.0% |
| 2 | The Bank of Greene County | 88 | 10.4% |
| 3 | Rocket Mortgage | 58 | 6.9% |
| 4 | Broadview Federal Credit Union | 53 | 6.3% |
| 5 | Nbt Bank NA | 21 | 2.5% |
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 Greene 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 Greene 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.