New York County
New York · FIPS 36061
According to CFPB HMDA 2024 application volume among U.S. counties, New York County ranks #247 of 3,210, and #10 of 62 in New York.
Mortgage lending activity in New York 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. New York County, New York saw 11,664 HMDA-reported mortgage applications in 2024. Lenders originated 6,375 of those loans and denied 1,948, producing a denial rate of 16.7% and an approval (origination) rate of 54.7%. The average loan amount was $1,849,799 at an average note rate of 6.54%, with applicants self-reporting average annual income of $34K. 228 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 54.4x, meaning typical borrowers took on mortgages of about 54.4 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 New York County
In New York County, lead originator JPMorgan Chase Bank, NA funded 13.2% of 6,375 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 35.8% 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 New York County's 11,664 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to New York County's $1,849,799 average loan (deduped against volume peers).
Lenders active in New York County
JPMorgan Chase Bank, NA funded 839 of the 6,375 loans originated in New York County, 13.2% of the county. 228 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | JPMorgan Chase Bank, NA | 839 | 13.2% |
| 2 | Citibank, NA | 809 | 12.7% |
| 3 | Wells Fargo Bank NA | 636 | 10.0% |
| 4 | CBNA Year to Date | 496 | 7.8% |
| 5 | Bank of America NA | 258 | 4.0% |
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 New York 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 New York 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.