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2024 data HMDA 2024 disclosure official source

Westchester County

18,941 mortgage applications, 18.5% denial rate. Verify FIPS 36119 with U.S. Census Bureau →

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New York · FIPS 36119

Local mortgage market. Westchester County, New York saw 18,941 HMDA-reported mortgage applications in 2024. Lenders originated 10,397 of those loans and denied 3,509, producing a denial rate of 18.5% and an approval (origination) rate of 54.9%. The average loan amount was $585,037 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.

FIPS 36119 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

18,941
Applications
10,397
Originated
18.5%
Denial Rate
54.9%
Approval Rate
$585,037
Avg Loan Amount
7.12%
Avg Interest Rate
$37K
Avg Applicant Income
15.8x
Loan-to-Income Ratio

Nearby Lenders in Westchester 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 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%
Compare JPMorgan Chase Bank, NA vs CBNA Year to Date →

Frequently Asked Questions

How many mortgage applications were filed in Westchester County?
In the 2024 HMDA reporting year, 18,941 mortgage applications were filed in Westchester County, New York. Of these, 10,397 were originated (approved and funded), while 3,509 were denied, resulting in a denial rate of 18.5%.
What is the mortgage denial rate in Westchester County?
The mortgage denial rate in Westchester County is 18.5%. The approval (origination) rate is 54.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Westchester County?
The average mortgage loan amount in Westchester County is $585,037. The average interest rate is 7.116%. The average applicant income is $37K.
What is the loan-to-income ratio in Westchester County?
The average loan-to-income ratio in Westchester County is 15.8x, meaning borrowers took on loans averaging 15.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Westchester County?
The top mortgage lenders in Westchester County by origination volume are JPMorgan Chase Bank, NA, CBNA Year to Date, Rocket Mortgage. In total, 302 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.