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2024 data HMDA 2024 disclosure official source

Suffolk County

46,185 mortgage applications, 20.1% denial rate. Verify FIPS 36103 with U.S. Census Bureau →

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New York · FIPS 36103

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.

FIPS 36103 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

46,185
Applications
23,796
Originated
20.1%
Denial Rate
51.5%
Approval Rate
$440,145
Avg Loan Amount
7.32%
Avg Interest Rate
$40K
Avg Applicant Income
11.0x
Loan-to-Income Ratio

Nearby Lenders in Suffolk 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 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%
Compare Bethpage Federal Credit Union vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Suffolk County?
In the 2024 HMDA reporting year, 46,185 mortgage applications were filed in Suffolk County, New York. Of these, 23,796 were originated (approved and funded), while 9,295 were denied, resulting in a denial rate of 20.1%.
What is the mortgage denial rate in Suffolk County?
The mortgage denial rate in Suffolk County is 20.1%. The approval (origination) rate is 51.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Suffolk County?
The average mortgage loan amount in Suffolk County is $440,145. The average interest rate is 7.316%. The average applicant income is $40K.
What is the loan-to-income ratio in Suffolk County?
The average loan-to-income ratio in Suffolk County is 11.0x, meaning borrowers took on loans averaging 11.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Suffolk County?
The top mortgage lenders in Suffolk County by origination volume are Bethpage Federal Credit Union, United Wholesale Mortgage, Teachers Federal Credit Union. In total, 315 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.