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2024 data HMDA 2024 disclosure official source

Kings County

23,605 mortgage applications, 22.3% denial rate. Verify FIPS 36047 with U.S. Census Bureau →

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New York · FIPS 36047

Local mortgage market. Kings County, New York saw 23,605 HMDA-reported mortgage applications in 2024. Lenders originated 11,228 of those loans and denied 5,253, producing a denial rate of 22.3% and an approval (origination) rate of 47.6%. The average loan amount was $1,187,425 at an average note rate of 7.16%, with applicants self-reporting average annual income of $38K. 279 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 31.2x, meaning typical borrowers took on mortgages of about 31.2 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 36047 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

23,605
Applications
11,228
Originated
22.3%
Denial Rate
47.6%
Approval Rate
$1,187,425
Avg Loan Amount
7.16%
Avg Interest Rate
$38K
Avg Applicant Income
31.2x
Loan-to-Income Ratio

Nearby Lenders in Kings 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 1,010 9.0%
2 CBNA Year to Date 896 8.0%
3 United Wholesale Mortgage 783 7.0%
4 TD Bank 648 5.8%
5 Citibank, NA 627 5.6%
Compare JPMorgan Chase Bank, NA vs CBNA Year to Date →

Frequently Asked Questions

How many mortgage applications were filed in Kings County?
In the 2024 HMDA reporting year, 23,605 mortgage applications were filed in Kings County, New York. Of these, 11,228 were originated (approved and funded), while 5,253 were denied, resulting in a denial rate of 22.3%.
What is the mortgage denial rate in Kings County?
The mortgage denial rate in Kings County is 22.3%. The approval (origination) rate is 47.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Kings County?
The average mortgage loan amount in Kings County is $1,187,425. The average interest rate is 7.157%. The average applicant income is $38K.
What is the loan-to-income ratio in Kings County?
The average loan-to-income ratio in Kings County is 31.2x, meaning borrowers took on loans averaging 31.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Kings County?
The top mortgage lenders in Kings County by origination volume are JPMorgan Chase Bank, NA, CBNA Year to Date, United Wholesale Mortgage. In total, 279 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.