Mortgage lending in Kings County
12,897 mortgages were originated in Kings County, New York, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 12,897
- Median rate
- 6.500%
- Median lender fees
- $8,847
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $685,000
- Above the going rate (spread over APOR)
- 0.110
- Paid discount points
- 26.9%
- Received lender credits
- 28.2%
- Purchases / refinances
- 58.2% / 29.5%
- Conventional / FHA / VA
- 96.1% / 3.5% / 0.3%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 57.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,209,750
- FHA limit
- $1,249,125
- Median home price
- $996,000
- That home, 20% down
- $796,800
A median-priced home with 20% down leaves $412,950 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Kings County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | 1,195 | $6,579 | 6.125% |
| Citizens Bank, National Association | 1,191 | $13,373 | 7.150% |
| United Shore Financial Services, LLC | 662 | $15,563 | 6.624% |
| Citibank, National Association | 618 | $7,354 | 6.125% |
| TD Bank, National Association | 585 | $6,932 | 6.750% |
| Wells Fargo Bank, National Association | 404 | $9,352 | 5.875% |
| Rocket Mortgage, LLC | 360 | $8,473 | 6.500% |
| Crosscountry Mortgage, Inc. | 354 | $7,754 | 6.750% |
| Bank of America, National Association | 288 | $7,419 | 5.933% |
| FM Home Loans, LLC | 269 | $7,324 | 6.875% |
What lenders charged here
Lender fees on a $685,000 loan, based on what was actually charged in Kings County — not a rule of thumb.
From 7,461 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers