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2024 data HMDA 2024 disclosure official source

Schuyler County

468 mortgage applications, 20.7% denial rate. Verify FIPS 36097 with U.S. Census Bureau →

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New York · FIPS 36097

Local mortgage market. Schuyler County, New York saw 468 HMDA-reported mortgage applications in 2024. Lenders originated 284 of those loans and denied 97, producing a denial rate of 20.7% and an approval (origination) rate of 60.7%. The average loan amount was $149,594 at an average note rate of 6.98%, with applicants self-reporting average annual income of $37K. 56 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 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 36097 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

468
Applications
284
Originated
20.7%
Denial Rate
60.7%
Approval Rate
$149,594
Avg Loan Amount
6.98%
Avg Interest Rate
$37K
Avg Applicant Income
4.0x
Loan-to-Income Ratio

Nearby Lenders in Schuyler 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 Community Bank, N.A. 35 12.3%
2 Corning Credit Union 24 8.5%
3 Chemung Canal Trust Company 21 7.4%
4 ServU Federal Credit Union 20 7.0%
5 Rocket Mortgage 18 6.3%
Compare Community Bank, N.A. vs Corning Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Schuyler County?
In the 2024 HMDA reporting year, 468 mortgage applications were filed in Schuyler County, New York. Of these, 284 were originated (approved and funded), while 97 were denied, resulting in a denial rate of 20.7%.
What is the mortgage denial rate in Schuyler County?
The mortgage denial rate in Schuyler County is 20.7%. The approval (origination) rate is 60.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Schuyler County?
The average mortgage loan amount in Schuyler County is $149,594. The average interest rate is 6.981%. The average applicant income is $37K.
What is the loan-to-income ratio in Schuyler County?
The average loan-to-income ratio in Schuyler County is 4.0x, meaning borrowers took on loans averaging 4.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Schuyler County?
The top mortgage lenders in Schuyler County by origination volume are Community Bank, N.A., Corning Credit Union, Chemung Canal Trust Company. In total, 56 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.