Ontario County
New York · FIPS 36069
According to CFPB HMDA 2024 application volume among U.S. counties, Ontario County ranks #628 of 3,210, and #23 of 62 in New York.
Mortgage lending activity in Ontario 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. Ontario County, New York saw 3,685 HMDA-reported mortgage applications in 2024. Lenders originated 2,254 of those loans and denied 530, producing a denial rate of 14.4% and an approval (origination) rate of 61.2%. The average loan amount was $198,083 at an average note rate of 7.06%, with applicants self-reporting average annual income of $36K. 115 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.5x, meaning typical borrowers took on mortgages of about 5.5 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 Ontario County
In Ontario County, lead originator ESL Federal Credit Union funded 15.4% of 2,254 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 32.8% 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 Ontario County's 3,685 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Ontario County's $198,083 average loan (deduped against volume peers).
Lenders active in Ontario County
ESL Federal Credit Union funded 347 of the 2,254 loans originated in Ontario County, 15.4% of the county. 115 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | ESL Federal Credit Union | 347 | 15.4% |
| 2 | Premium Mortgage Corporation | 203 | 9.0% |
| 3 | The Lyons National Bank | 190 | 8.4% |
| 4 | The Canandaigua National Bank and Trust Company | 171 | 7.6% |
| 5 | Hometown Funding, INC. D/B/A CNB Mortgage Company | 157 | 7.0% |
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 Ontario 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 Ontario 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.