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2024 data HMDA 2024 disclosure official source

Nassau County

33,897 mortgage applications, 22.8% denial rate. Verify FIPS 36059 with U.S. Census Bureau →

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New York · FIPS 36059

Local mortgage market. Nassau County, New York saw 33,897 HMDA-reported mortgage applications in 2024. Lenders originated 16,958 of those loans and denied 7,720, producing a denial rate of 22.8% and an approval (origination) rate of 50.0%. The average loan amount was $565,977 at an average note rate of 7.28%, with applicants self-reporting average annual income of $39K. 277 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 14.5x, meaning typical borrowers took on mortgages of about 14.5 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 36059 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

33,897
Applications
16,958
Originated
22.8%
Denial Rate
50.0%
Approval Rate
$565,977
Avg Loan Amount
7.28%
Avg Interest Rate
$39K
Avg Applicant Income
14.5x
Loan-to-Income Ratio

Nearby Lenders in Nassau 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 Bethpage Federal Credit Union 1,849 10.9%
2 United Wholesale Mortgage 1,120 6.6%
3 Jovia Financial Federal Credit 932 5.5%
4 Rocket Mortgage 908 5.4%
5 CBNA Year to Date 902 5.3%
Compare Bethpage Federal Credit Union vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Nassau County?
In the 2024 HMDA reporting year, 33,897 mortgage applications were filed in Nassau County, New York. Of these, 16,958 were originated (approved and funded), while 7,720 were denied, resulting in a denial rate of 22.8%.
What is the mortgage denial rate in Nassau County?
The mortgage denial rate in Nassau County is 22.8%. The approval (origination) rate is 50.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Nassau County?
The average mortgage loan amount in Nassau County is $565,977. The average interest rate is 7.275%. The average applicant income is $39K.
What is the loan-to-income ratio in Nassau County?
The average loan-to-income ratio in Nassau County is 14.5x, meaning borrowers took on loans averaging 14.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Nassau County?
The top mortgage lenders in Nassau County by origination volume are Bethpage Federal Credit Union, United Wholesale Mortgage, Jovia Financial Federal Credit. In total, 277 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.