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2024 data HMDA 2024 disclosure official source

Steuben County

2,467 mortgage applications, 16.0% denial rate. Verify FIPS 36101 with U.S. Census Bureau →

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New York · FIPS 36101

Local mortgage market. Steuben County, New York saw 2,467 HMDA-reported mortgage applications in 2024. Lenders originated 1,530 of those loans and denied 395, producing a denial rate of 16.0% and an approval (origination) rate of 62.0%. The average loan amount was $131,623 at an average note rate of 7.04%, with applicants self-reporting average annual income of $36K. 106 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.7x, meaning typical borrowers took on mortgages of about 3.7 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 36101 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,467
Applications
1,530
Originated
16.0%
Denial Rate
62.0%
Approval Rate
$131,623
Avg Loan Amount
7.04%
Avg Interest Rate
$36K
Avg Applicant Income
3.7x
Loan-to-Income Ratio

Nearby Lenders in Steuben 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 Corning Credit Union 318 20.8%
2 ServU Federal Credit Union 220 14.4%
3 Community Bank, N.A. 160 10.5%
4 First Heritage Federal Credit Union 114 7.5%
5 Rocket Mortgage 81 5.3%
Compare Corning Credit Union vs ServU Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Steuben County?
In the 2024 HMDA reporting year, 2,467 mortgage applications were filed in Steuben County, New York. Of these, 1,530 were originated (approved and funded), while 395 were denied, resulting in a denial rate of 16.0%.
What is the mortgage denial rate in Steuben County?
The mortgage denial rate in Steuben County is 16.0%. The approval (origination) rate is 62.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Steuben County?
The average mortgage loan amount in Steuben County is $131,623. The average interest rate is 7.037%. The average applicant income is $36K.
What is the loan-to-income ratio in Steuben County?
The average loan-to-income ratio in Steuben County is 3.7x, meaning borrowers took on loans averaging 3.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Steuben County?
The top mortgage lenders in Steuben County by origination volume are Corning Credit Union, ServU Federal Credit Union, Community Bank, N.A.. In total, 106 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.