Mortgage lending in Nassau County
19,225 mortgages were originated in Nassau County, New York, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 19,225
- Median rate
- 6.625%
- Median lender fees
- $8,906
- Median loan amount
- $485,000
- Median spread over APOR
- 0.145
- Paid discount points
- 31.6%
- Received lender credits
- 22.6%
- Purchases / refinances
- 48.7% / 27.9%
- Conventional / FHA / VA
- 92.8% / 6.1% / 1.1%
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 61.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,209,750
- FHA limit
- $1,249,125
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
Who lent here
Lenders with at least 50 loans in Nassau County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Bethpage Federal Credit Union | 1,643 | $6,311 | 6.490% |
| Citizens Bank, National Association | 1,181 | $12,642 | 7.900% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,177 | $15,541 | 6.499% |
| Rocket Mortgage, LLC | 1,138 | $5,525 | 6.990% |
| Nassau Educators Federal Credit Union | 1,101 | $4,196 | 5.990% |
| JPMorgan Chase Bank, National Association | 1,073 | $6,782 | 6.375% |
| TD Bank, National Association | 762 | $5,414 | 7.690% |
| Bank of America, National Association | 502 | $6,456 | 6.125% |
| Citibank, National Association | 464 | $8,266 | 6.250% |
| CONTOUR MORTGAGE CORPORATION | 429 | $8,780 | 6.625% |
What lenders charged here
Lender fees on a $485,000 loan, based on what was actually charged in Nassau County — not a rule of thumb.
From 11,766 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers