Queens County
New York · FIPS 36081
According to CFPB HMDA 2024 application volume among U.S. counties, Queens County ranks #87 of 3,210, and #3 of 62 in New York.
Mortgage lending activity in Queens 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Queens County
In Queens County, lead originator JPMorgan Chase Bank, NA funded only 10.4% of 12,557 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 25.3% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Queens County's 26,512 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Queens County's $659,823 average loan (deduped against volume peers).
Lenders active in Queens County
JPMorgan Chase Bank, NA funded 1,308 of the 12,557 loans originated in Queens County, 10.4% of the county. 259 lenders reported activity here.
| # | 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% |
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 Queens 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 Queens 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.