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2024 data HMDA 2024 disclosure official source

Lewis County

743 mortgage applications, 18.7% denial rate. Verify FIPS 36049 with U.S. Census Bureau →

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New York · FIPS 36049

Local mortgage market. Lewis County, New York saw 743 HMDA-reported mortgage applications in 2024. Lenders originated 446 of those loans and denied 139, producing a denial rate of 18.7% and an approval (origination) rate of 60.0%. The average loan amount was $131,851 at an average note rate of 6.74%, with applicants self-reporting average annual income of $37K. 52 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.6x, meaning typical borrowers took on mortgages of about 3.6 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.

FIPS 36049 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

743
Applications
446
Originated
18.7%
Denial Rate
60.0%
Approval Rate
$131,851
Avg Loan Amount
6.74%
Avg Interest Rate
$37K
Avg Applicant Income
3.6x
Loan-to-Income Ratio

Nearby Lenders in Lewis 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 Northern Credit Union 112 25.1%
2 Community Bank, N.A. 79 17.7%
3 Americu Credit Union 48 10.8%
4 Carthage Savings and Loan, National Association 41 9.2%
5 Movement Mortgage, LLC 22 4.9%
Compare Northern Credit Union vs Community Bank, N.A. →

Frequently Asked Questions

How many mortgage applications were filed in Lewis County?
In the 2024 HMDA reporting year, 743 mortgage applications were filed in Lewis County, New York. Of these, 446 were originated (approved and funded), while 139 were denied, resulting in a denial rate of 18.7%.
What is the mortgage denial rate in Lewis County?
The mortgage denial rate in Lewis County is 18.7%. The approval (origination) rate is 60.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Lewis County?
The average mortgage loan amount in Lewis County is $131,851. The average interest rate is 6.740%. The average applicant income is $37K.
What is the loan-to-income ratio in Lewis County?
The average loan-to-income ratio in Lewis County is 3.6x, meaning borrowers took on loans averaging 3.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Lewis County?
The top mortgage lenders in Lewis County by origination volume are Northern Credit Union, Community Bank, N.A., Americu Credit Union. In total, 52 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.