Schoharie County
New York · FIPS 36095
According to CFPB HMDA 2024 application volume among U.S. counties, Schoharie County ranks #1,511 of 3,210, and #55 of 62 in New York.
Mortgage lending activity in Schoharie 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. Schoharie County, New York saw 912 HMDA-reported mortgage applications in 2024. Lenders originated 505 of those loans and denied 170, producing a denial rate of 18.6% and an approval (origination) rate of 55.4%. The average loan amount was $166,776 at an average note rate of 6.84%, with applicants self-reporting average annual income of $37K. 76 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.5x, meaning typical borrowers took on mortgages of about 4.5 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 Schoharie County
In Schoharie County, lead originator Homestead Funding Corp. funded 12.7% of 505 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 31.1% 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 Schoharie County's 912 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Schoharie County's $166,776 average loan (deduped against volume peers).
Lenders active in Schoharie County
Homestead Funding Corp. funded 64 of the 505 loans originated in Schoharie County, 12.7% of the county. 76 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Homestead Funding Corp. | 64 | 12.7% |
| 2 | First New York Federal Credit Union | 47 | 9.3% |
| 3 | Rocket Mortgage | 46 | 9.1% |
| 4 | Bank of Richmondville | 44 | 8.7% |
| 5 | Broadview Federal Credit Union | 41 | 8.1% |
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 Schoharie 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 Schoharie 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.