Schoharie County
County-level mortgage lending profile compiled from CFPB HMDA 2024 disclosures. Verify county FIPS with U.S. Census Bureau →
New York · FIPS 36095
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. County-level denial rates reflect the mix of applicants who actually applied here — credit profiles, loan-to-value, debt-to-income, property type, and rural-versus-urban composition all move the number. A higher denial rate does not automatically mean "stricter lenders"; it often reflects a local applicant pool with thinner files or higher leverage.
How to use this page. These are aggregate 2024 HMDA disclosures published by the Consumer Financial Protection Bureau — a federal dataset, not a real-time market read. A single county number tells you nothing about any individual lender's terms for you; rates, fees, and underwriting vary by lender, loan program, and borrower file. This page is informational data reporting, not financial, legal, or mortgage advice. Shop multiple lenders, read each Loan Estimate carefully, and consult a licensed mortgage professional before applying. County boundaries are identified by FIPS code; data reflects the CFPB HMDA 2024 Snapshot National Loan-Level Dataset.
Borrower Income & Loan Profile
Applicant Income
Mortgage applicants in Schoharie County self-reported an average annual income of $37K under HMDA disclosure requirements. Income is reported at origination and reflects borrowers whose loans were processed, not the general population.
Loan-to-Income Ratio
The average loan-to-income ratio is 4.5x — meaning borrowers took on loans averaging 4.5 times their annual income. The average loan was $166,776 at a 6.8% average rate.
76 lenders reported mortgage activity in this county. Data is from the CFPB HMDA 2024 Snapshot and covers all applications, not just originations.
Nearby Lenders in Schoharie 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 | 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% |
Frequently Asked Questions
How many mortgage applications were filed in Schoharie County?
What is the mortgage denial rate in Schoharie County?
What is the average mortgage loan amount in Schoharie County?
What is the loan-to-income ratio in Schoharie County?
Who are the top mortgage lenders in Schoharie County?
Where does this mortgage data come from?
Mortgage Lending Guides
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.
