Nassau County
New York · FIPS 36059
According to CFPB HMDA 2024 application volume among U.S. counties, Nassau County ranks #56 of 3,223, and #2 of 62 in New York.
Mortgage lending activity in Nassau 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. Nassau County, New York lenders denied 7,720 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Nassau County
In Nassau County, lead originator Bethpage Federal Credit Union funded 10.9% of 16,958 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 23.0% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Nassau County's 33,897 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Nassau County's $565,977 average loan (deduped against volume peers).
Lenders active in Nassau County
Bethpage Federal Credit Union funded 1,849 of the 16,958 loans originated in Nassau County, 10.9% of the county. 277 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Nassau County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Nassau County borrowers. 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.