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2024 data HMDA 2024 disclosure official source

Queens County

26,512 mortgage applications, 23.3% denial rate. Verify FIPS 36081 with U.S. Census Bureau →

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New York · FIPS 36081

Local mortgage market. Queens County, New York saw 26,512 HMDA-reported mortgage applications in 2024. Lenders originated 12,557 of those loans and denied 6,167, producing a denial rate of 23.3% and an approval (origination) rate of 47.4%. The average loan amount was $659,823 at an average note rate of 7.07%, with applicants self-reporting average annual income of $39K. 259 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 16.9x, meaning typical borrowers took on mortgages of about 16.9 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 36081 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

26,512
Applications
12,557
Originated
23.3%
Denial Rate
47.4%
Approval Rate
$659,823
Avg Loan Amount
7.07%
Avg Interest Rate
$39K
Avg Applicant Income
16.9x
Loan-to-Income Ratio

Nearby Lenders in Queens 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 1,308 10.4%
2 United Wholesale Mortgage 1,244 9.9%
3 Rocket Mortgage 631 5.0%
4 CBNA Year to Date 613 4.9%
5 TD Bank 555 4.4%
Compare JPMorgan Chase Bank, NA vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Queens County?
In the 2024 HMDA reporting year, 26,512 mortgage applications were filed in Queens County, New York. Of these, 12,557 were originated (approved and funded), while 6,167 were denied, resulting in a denial rate of 23.3%.
What is the mortgage denial rate in Queens County?
The mortgage denial rate in Queens County is 23.3%. The approval (origination) rate is 47.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Queens County?
The average mortgage loan amount in Queens County is $659,823. The average interest rate is 7.068%. The average applicant income is $39K.
What is the loan-to-income ratio in Queens County?
The average loan-to-income ratio in Queens County is 16.9x, meaning borrowers took on loans averaging 16.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Queens County?
The top mortgage lenders in Queens County by origination volume are JPMorgan Chase Bank, NA, United Wholesale Mortgage, Rocket Mortgage. In total, 259 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.