Mortgage lending in Fulton County, New York
Lenders in Fulton County, New York reported 1,525 mortgage applications for 2025, according to the CFPB.
1,525 mortgage applications and 894 loans originated in 2025; the denial rate was 26.1% of 1,256 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Fulton County, NY.
- 1,525
- Applications
- 894
- Loans originated
- 26.1%
- Denial rate
- 328 denied of 1,256 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,525 | 894 |
| 2024 | 1,355 | 799 |
| 2023 | 1,354 | 755 |
| 2022 | 1,875 | 1,075 |
| 2021 | 2,300 | 1,487 |
| 2020 | 1,794 | 1,101 |
| 2019 | 1,414 | 816 |
| 2018 | 1,484 | 834 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Community Bank, N.A. | 88 | 119 |
| Rocket Mortgage | 87 | 120 |
| NBT Bank NA | 82 | 131 |
| Homestead Funding Corp. | 81 | 105 |
| Broadview Federal Credit Union | 72 | 115 |
| Newrez LLC | 43 | 76 |
| Sunmark Credit Union | 37 | 55 |
| Citizens Bank, NA | 37 | 65 |
| United Wholesale Mortgage | 32 | 43 |
| SEFCU Services, LLC | 25 | 33 |
| Keybank National Association | 24 | 46 |
| Premium Mortgage Corporation | 18 | 31 |
| Sidney Federal Credit Union | 13 | 22 |
| Navy Federal Credit Union | 13 | 32 |
| JPMorgan Chase Bank, NA | 10 | 19 |
| First New York Federal Credit Union | 9 | 11 |
| American Heritage Lending, LLC | 9 | 12 |
| Pennymac Loan Services LLC | 8 | 14 |
| GPO Federal Credit Union | 7 | 14 |
| loanDepot.com LLC | 7 | 10 |
| Mortgage Research Center | 7 | 14 |
| Trustco Bank | 7 | 17 |
| 1ST Priority Mortgage, Inc. | 7 | 8 |
| M&T Bank | 7 | 16 |
| Loan Funder LLC | 6 | 14 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 19 | no rate: base under 50 |
| Black or African American | 41 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,230 | 25.3% of 1,031 decided |
| 2 or more minority races | under 10 | |
| Joint | 21 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 208 | 31.5% of 162 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 55 | no rate: base under 50 |
| Not Hispanic or Latino | 1,234 | 25.3% of 1,023 decided |
| Joint | 23 | no rate: base under 50 |
| Ethnicity Not Available | 213 | 27.4% of 168 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 588 | 28.3% of 467 decided |
| Female | 375 | 32.3% of 316 decided |
| Joint | 447 | 17.5% of 382 decided |
| Sex Not Available | 115 | 29.7% of 91 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2222 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved