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2024 data HMDA 2024 disclosure official source

Washington County

1,777 mortgage applications, 19.0% denial rate. Verify FIPS 36115 with U.S. Census Bureau →

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New York · FIPS 36115

Local mortgage market. Washington County, New York saw 1,777 HMDA-reported mortgage applications in 2024. Lenders originated 908 of those loans and denied 337, producing a denial rate of 19.0% and an approval (origination) rate of 51.1%. The average loan amount was $176,035 at an average note rate of 6.81%, with applicants self-reporting average annual income of $38K. 93 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.6x, meaning typical borrowers took on mortgages of about 4.6 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 36115 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,777
Applications
908
Originated
19.0%
Denial Rate
51.1%
Approval Rate
$176,035
Avg Loan Amount
6.81%
Avg Interest Rate
$38K
Avg Applicant Income
4.6x
Loan-to-Income Ratio

Nearby Lenders in Washington 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 Glens Falls National Bank 129 14.2%
2 Homestead Funding Corp. 103 11.3%
3 United Wholesale Mortgage 92 10.1%
4 Rocket Mortgage 74 8.1%
5 Broadview Federal Credit Union 39 4.3%
Compare Glens Falls National Bank vs Homestead Funding Corp. →

Frequently Asked Questions

How many mortgage applications were filed in Washington County?
In the 2024 HMDA reporting year, 1,777 mortgage applications were filed in Washington County, New York. Of these, 908 were originated (approved and funded), while 337 were denied, resulting in a denial rate of 19.0%.
What is the mortgage denial rate in Washington County?
The mortgage denial rate in Washington County is 19.0%. The approval (origination) rate is 51.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Washington County?
The average mortgage loan amount in Washington County is $176,035. The average interest rate is 6.814%. The average applicant income is $38K.
What is the loan-to-income ratio in Washington County?
The average loan-to-income ratio in Washington County is 4.6x, meaning borrowers took on loans averaging 4.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Washington County?
The top mortgage lenders in Washington County by origination volume are Glens Falls National Bank, Homestead Funding Corp., United Wholesale Mortgage. In total, 93 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.