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2024 data HMDA 2024 disclosure official source

Onondaga County

13,037 mortgage applications, 16.8% denial rate. Verify FIPS 36067 with U.S. Census Bureau →

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New York · FIPS 36067

Local mortgage market. Onondaga County, New York saw 13,037 HMDA-reported mortgage applications in 2024. Lenders originated 7,920 of those loans and denied 2,187, producing a denial rate of 16.8% and an approval (origination) rate of 60.8%. The average loan amount was $184,580 at an average note rate of 7.12%, with applicants self-reporting average annual income of $36K. 218 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 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 36067 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

13,037
Applications
7,920
Originated
16.8%
Denial Rate
60.8%
Approval Rate
$184,580
Avg Loan Amount
7.12%
Avg Interest Rate
$36K
Avg Applicant Income
5.1x
Loan-to-Income Ratio

Nearby Lenders in Onondaga 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 Empower Federal Credit Union 1,750 22.1%
2 Americu Credit Union 562 7.1%
3 Rocket Mortgage 411 5.2%
4 M&T Bank 366 4.6%
5 Sefcu Services LLC 279 3.5%
Compare Empower Federal Credit Union vs Americu Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Onondaga County?
In the 2024 HMDA reporting year, 13,037 mortgage applications were filed in Onondaga County, New York. Of these, 7,920 were originated (approved and funded), while 2,187 were denied, resulting in a denial rate of 16.8%.
What is the mortgage denial rate in Onondaga County?
The mortgage denial rate in Onondaga County is 16.8%. The approval (origination) rate is 60.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Onondaga County?
The average mortgage loan amount in Onondaga County is $184,580. The average interest rate is 7.124%. The average applicant income is $36K.
What is the loan-to-income ratio in Onondaga County?
The average loan-to-income ratio in Onondaga County is 5.1x, meaning borrowers took on loans averaging 5.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Onondaga County?
The top mortgage lenders in Onondaga County by origination volume are Empower Federal Credit Union, Americu Credit Union, Rocket Mortgage. In total, 218 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.