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2024 data HMDA 2024 disclosure official source

Rockland County

8,213 mortgage applications, 21.1% denial rate. Verify FIPS 36087 with U.S. Census Bureau →

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New York · FIPS 36087

Local mortgage market. Rockland County, New York saw 8,213 HMDA-reported mortgage applications in 2024. Lenders originated 4,312 of those loans and denied 1,729, producing a denial rate of 21.1% and an approval (origination) rate of 52.5%. The average loan amount was $489,494 at an average note rate of 7.49%, with applicants self-reporting average annual income of $40K. 211 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 12.2x, meaning typical borrowers took on mortgages of about 12.2 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 36087 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

8,213
Applications
4,312
Originated
21.1%
Denial Rate
52.5%
Approval Rate
$489,494
Avg Loan Amount
7.49%
Avg Interest Rate
$40K
Avg Applicant Income
12.2x
Loan-to-Income Ratio

Nearby Lenders in Rockland 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 United Wholesale Mortgage 514 11.9%
2 Norwich Commercial Group INC 272 6.3%
3 CBNA Year to Date 248 5.8%
4 Crosscountry Mortgage, LLC 225 5.2%
5 Rocket Mortgage 221 5.1%
Compare United Wholesale Mortgage vs Norwich Commercial Group INC →

Frequently Asked Questions

How many mortgage applications were filed in Rockland County?
In the 2024 HMDA reporting year, 8,213 mortgage applications were filed in Rockland County, New York. Of these, 4,312 were originated (approved and funded), while 1,729 were denied, resulting in a denial rate of 21.1%.
What is the mortgage denial rate in Rockland County?
The mortgage denial rate in Rockland County is 21.1%. The approval (origination) rate is 52.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Rockland County?
The average mortgage loan amount in Rockland County is $489,494. The average interest rate is 7.493%. The average applicant income is $40K.
What is the loan-to-income ratio in Rockland County?
The average loan-to-income ratio in Rockland County is 12.2x, meaning borrowers took on loans averaging 12.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Rockland County?
The top mortgage lenders in Rockland County by origination volume are United Wholesale Mortgage, Norwich Commercial Group INC, CBNA Year to Date. In total, 211 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.