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2024 data HMDA 2024 disclosure official source

Orleans County

1,164 mortgage applications, 18.8% denial rate. Verify FIPS 36073 with U.S. Census Bureau →

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New York · FIPS 36073

Local mortgage market. Orleans County, New York saw 1,164 HMDA-reported mortgage applications in 2024. Lenders originated 686 of those loans and denied 219, producing a denial rate of 18.8% and an approval (origination) rate of 58.9%. The average loan amount was $117,672 at an average note rate of 6.98%, with applicants self-reporting average annual income of $36K. 65 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.3x, meaning typical borrowers took on mortgages of about 3.3 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 36073 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,164
Applications
686
Originated
18.8%
Denial Rate
58.9%
Approval Rate
$117,672
Avg Loan Amount
6.98%
Avg Interest Rate
$36K
Avg Applicant Income
3.3x
Loan-to-Income Ratio

Nearby Lenders in Orleans 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 ESL Federal Credit Union 157 22.9%
2 Premium Mortgage Corporation 74 10.8%
3 Ontario Shores FCU 51 7.4%
4 Rocket Mortgage 45 6.6%
5 M&T Bank 41 6.0%
Compare ESL Federal Credit Union vs Premium Mortgage Corporation →

Frequently Asked Questions

How many mortgage applications were filed in Orleans County?
In the 2024 HMDA reporting year, 1,164 mortgage applications were filed in Orleans County, New York. Of these, 686 were originated (approved and funded), while 219 were denied, resulting in a denial rate of 18.8%.
What is the mortgage denial rate in Orleans County?
The mortgage denial rate in Orleans County is 18.8%. The approval (origination) rate is 58.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Orleans County?
The average mortgage loan amount in Orleans County is $117,672. The average interest rate is 6.978%. The average applicant income is $36K.
What is the loan-to-income ratio in Orleans County?
The average loan-to-income ratio in Orleans County is 3.3x, meaning borrowers took on loans averaging 3.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Orleans County?
The top mortgage lenders in Orleans County by origination volume are ESL Federal Credit Union, Premium Mortgage Corporation, Ontario Shores FCU. In total, 65 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.