Putnam County
New York · FIPS 36079
According to CFPB HMDA 2024 application volume among U.S. counties, Putnam County ranks #736 of 3,210, and #28 of 62 in New York.
Mortgage lending activity in Putnam 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. Putnam County, New York saw 2,904 HMDA-reported mortgage applications in 2024. Lenders originated 1,582 of those loans and denied 582, producing a denial rate of 20.0% and an approval (origination) rate of 54.5%. The average loan amount was $305,882 at an average note rate of 7.08%, with applicants self-reporting average annual income of $39K. 151 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.8x, meaning typical borrowers took on mortgages of about 7.8 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 Putnam County
In Putnam County, lead originator Hudson Valley Credit Union funded 15.4% of 1,582 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 32.0% 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 Putnam County's 2,904 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Putnam County's $305,882 average loan (deduped against volume peers).
Lenders active in Putnam County
Hudson Valley Credit Union funded 243 of the 1,582 loans originated in Putnam County, 15.4% of the county. 151 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Hudson Valley Credit Union | 243 | 15.4% |
| 2 | Rocket Mortgage | 160 | 10.1% |
| 3 | United Wholesale Mortgage | 103 | 6.5% |
| 4 | M&T Bank | 63 | 4.0% |
| 5 | Crosscountry Mortgage, LLC | 60 | 3.8% |
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 Putnam 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 Putnam 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.