Lending / county
Fulton, NY
FIPS 36035. In 2024, lenders decided 1,137 mortgage applications here and denied 310 of them (27.3%, against a national 24.3%). They originated 799 loans worth $131.7M, at a median loan of $145,000 and a median reported applicant income of $82,000. Among the 1,764 counties with 500 or more decisioned applications, this one ranks 1093 by volume and 415 by denial rate.
Volume and denials, 2018 to 2024
Source: HMDA public LAR (CFPB/FFIEC), snapshot files County of the property, as reported. The county universe is fixed on 2024: a county is on this page because it cleared 500 decisioned applications in 2024, and its earlier years are shown whatever their size. Methodology
Source: HMDA public LAR (CFPB/FFIEC), snapshot files Denials as a share of decisioned applications, the same definition on both lines. Methodology
Denial rate by applicant group, 2024
On the 389 screened applications in this county: first-lien, owner-occupied, site-built, one-unit home purchases. These are raw rates. Neither a Black nor a White non-Hispanic rate is compared here: the comparison is only drawn where both groups filed at least 100 screened applications, and in this county at least one of them did not. A group with fewer than 100 screened applications shows its count and no rate.
| Applicant group | Screened apps | Denied | Denial rate |
|---|---|---|---|
| White, non-Hispanic | 284 | 32 | 11.3% |
| Race not available | 61 | 8 | n/a |
| White, Hispanic or Latino | 13 | 1 | n/a |
| White, ethnicity not reported | 12 | 0 | n/a |
| Black or African American | 9 | 4 | n/a |
| Asian | 5 | 1 | n/a |
| Joint (race) | 5 | 1 | n/a |
Source: HMDA public LAR (CFPB/FFIEC), snapshot files Screened applications only, so these counts are smaller than the county's decisioned total. Race is reported on some applications and not others; the 'race not available' row is where it is not. Methodology
Why applications were denied, 2024
Source: HMDA public LAR (CFPB/FFIEC), snapshot files Primary denial reason on the 310 denials in this county in 2024. The national distribution is on the denials page. Methodology
Who lends here, 2024
99 distinct institutions originated a loan in this county in 2024. The largest made 11.0% of them. Lenders are identified by Legal Entity Identifier: the public register does not carry the institution’s name.
| # | LEI | Originations here | Share of county |
|---|---|---|---|
| 1 | 5493005RDTT7HVODH436 | 88 | 11.0% |
| 2 | 549300T3F9S1MKFKHC53 | 81 | 10.1% |
| 3 | 549300FGXN1K3HLB1R50 | 67 | 8.4% |
| 4 | 5493009BOQDC6PCFR785 | 61 | 7.6% |
| 5 | 5493008RNHC5I1E3IZ56 | 53 | 6.6% |
Source: HMDA public LAR (CFPB/FFIEC), snapshot files The largest originators in this county, 5 shown. A lender page exists only for the 300 largest reporters nationally; the others are printed as plain identifiers, not as links to pages that do not exist. Methodology
Product mix, 2024
Source: HMDA public LAR (CFPB/FFIEC), snapshot files Shares of this county's 799 originations in 2024. Nationally, FHA-insured loans were 13.4% of originations. Median contract rate here: 6.88%, national 6.88%. Methodology