Suffolk County
New York · FIPS 36103
According to CFPB HMDA 2024 application volume among U.S. counties, Suffolk County ranks #34 of 3,210, and #1 of 62 in New York.
Mortgage lending activity in Suffolk 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. Suffolk County, New York saw 46,185 HMDA-reported mortgage applications in 2024. Lenders originated 23,796 of those loans and denied 9,295, producing a denial rate of 20.1% and an approval (origination) rate of 51.5%. The average loan amount was $440,145 at an average note rate of 7.32%, with applicants self-reporting average annual income of $40K. 315 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 11.0x, meaning typical borrowers took on mortgages of about 11.0 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 Suffolk County
In Suffolk County, lead originator Bethpage Federal Credit Union funded only 8.6% of 23,796 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 21.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Suffolk County's 46,185 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Suffolk County's $440,145 average loan (deduped against volume peers).
Lenders active in Suffolk County
Bethpage Federal Credit Union funded 2,036 of the 23,796 loans originated in Suffolk County, 8.6% of the county. 315 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Bethpage Federal Credit Union | 2,036 | 8.6% |
| 2 | United Wholesale Mortgage | 1,560 | 6.6% |
| 3 | Teachers Federal Credit Union | 1,558 | 6.5% |
| 4 | Rocket Mortgage | 1,330 | 5.6% |
| 5 | Contour Mortgage Corporation | 971 | 4.1% |
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 Suffolk 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 Suffolk 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.