Westchester County
New York · FIPS 36119
According to CFPB HMDA 2024 application volume among U.S. counties, Westchester County ranks #150 of 3,223, and #7 of 62 in New York.
Mortgage lending activity in Westchester 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. Westchester County, New York lenders denied 3,509 of the applications reported here, financing the rest at an average note rate of 7.12%, with applicants self-reporting average annual income of $37K. 302 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 15.8x, meaning typical borrowers took on mortgages of about 15.8 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 Westchester County
In Westchester County, lead originator JPMorgan Chase Bank, NA funded only 8.2% of 10,397 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 21.3% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Westchester County's 18,941 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Westchester County's $585,037 average loan (deduped against volume peers).
Lenders active in Westchester County
JPMorgan Chase Bank, NA funded 850 of the 10,397 loans originated in Westchester County, 8.2% of the county. 302 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | JPMorgan Chase Bank, NA | 850 | 8.2% |
| 2 | CBNA Year to Date | 730 | 7.0% |
| 3 | Rocket Mortgage | 631 | 6.1% |
| 4 | United Wholesale Mortgage | 603 | 5.8% |
| 5 | Crosscountry Mortgage, LLC | 540 | 5.2% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Westchester County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Westchester County borrowers. 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.