Kings County
New York · FIPS 36047
According to CFPB HMDA 2024 application volume among U.S. counties, Kings County ranks #108 of 3,210, and #6 of 62 in New York.
Mortgage lending activity in Kings County, New York based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Kings County
In Kings County, lead originator JPMorgan Chase Bank, NA funded only 9.0% of 11,228 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 23.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Kings County's 23,605 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Kings County's $1,187,425 average loan (deduped against volume peers).
Lenders active in Kings County
JPMorgan Chase Bank, NA funded 1,010 of the 11,228 loans originated in Kings County, 9.0% of the county. 279 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Kings County borrowers.
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 Kings County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.