Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Ontario County, New York
Every institution that decided a 1–4 unit mortgage application in Ontario County, home to Geneva, between 2023 and 2025: 7,163 applications, 5,624 loans actually funded, across 8 kinds of borrowing.
Ontario County at a glance
7,163Applications decided
2023–2025
5,624Loans funded
79% of decisions
40Census tracts
13 ZIP codes
112,405People
ACS 2023
What the data shows
The typical purchase mortgage here is $225K.
Lending by loan type in Ontario County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.3% | 3,303 | $225K | 91% | 127 |
| Home improvement loans | 79.7% | 1,602 | $65K | 97% | 51 |
| Cash-out refinance | 80.1% | 784 | $135K | 97% | 73 |
| Refinance | 82.6% | 858 | $95K | 95% | 68 |
| Investment property purchase | 90.7% | 453 | $225K | 95% | 84 |
| Investment cash-out refinance | 85.1% | 67 | $205K | 84% | 19 |
| Investment refinance | 70.5% | 44 | $155K | 97% | 22 |
| Investment home improvement | 63.5% | 52 | $105K | 97% | 14 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.