Nassau County-Suffolk County
Metropolitan Statistical Area · MSA Code 35004
According to CFPB HMDA 2024 application volume among tracked metros, Nassau County-Suffolk County ranks #37 of 418.
Mortgage lending activity in the Nassau County-Suffolk County metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Nassau County-Suffolk County Metropolitan Statistical Area (MSA code 35004) recorded 80,083 HMDA-reported mortgage applications in 2024. Lenders originated 40,755 of those and denied others at a rate of 21.3%, for an approval (origination) rate of 50.9%. The average loan amount across the MSA was $493,421 at an average note rate of 7.30%. 20 major lenders are tracked for this metro - Bethpage Federal Credit Union, United Wholesale Mortgage, Rocket Mortgage lead by origination volume. Among the 418 metros tracked, Nassau County-Suffolk County ranks #394 by denial rate (the 6th percentile for approval-friendliness), and shares its 5-point denial-rate band with 47 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Nassau County-Suffolk County denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 21.3% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $493,421 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Nassau County-Suffolk County
In Nassau County-Suffolk County, lead originator Bethpage Federal Credit Union funded 9.5% of 40,755 originated loans, in the middle tercile of U.S. metros (~8.7-12.8% top-1). The top three reporters together hold 21.6% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Metros With a Similar Denial Rate
The metro areas closest to Nassau County-Suffolk County's 21.3% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Nassau County-Suffolk County's 80,083 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Nassau County-Suffolk County's $493,421 average loan (deduped against denial and volume peers).
Lenders active in the Nassau County-Suffolk County metro
Bethpage Federal Credit Union funded 3,885 of the 40,755 loans originated here, 9.5% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Bethpage Federal Credit Union | 3,885 | 8,912 | $204,221 | 9.5% |
| 2 | United Wholesale Mortgage | 2,680 | 3,531 | $557,458 | 6.6% |
| 3 | Rocket Mortgage | 2,238 | 3,007 | $347,637 | 5.5% |
| 4 | CBNA Year to Date | 1,837 | 3,499 | $456,029 | 4.5% |
| 5 | Teachers Federal Credit Union | 1,799 | 2,786 | $193,460 | 4.4% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. Metropolitan Statistical Areas defined by the U.S. Office of Management and Budget (OMB).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Nassau County-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 Nassau County-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.