Mortgage lending in Queens County
13,998 mortgages were originated in Queens 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
- 13,998
- Median rate
- 6.624%
- Median lender fees
- $8,562
- Median loan amount
- $495,000
- Median spread over APOR
- 0.204
- Paid discount points
- 37.1%
- Received lender credits
- 24.4%
- Purchases / refinances
- 66.2% / 22.3%
- Conventional / FHA / VA
- 92.6% / 6.5% / 0.8%
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 65.6% 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 Queens County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | 1,343 | $6,143 | 6.375% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,299 | $16,174 | 6.478% |
| Citizens Bank, National Association | 729 | $7,213 | 7.650% |
| Rocket Mortgage, LLC | 706 | $6,844 | 6.625% |
| TD Bank, National Association | 504 | $5,268 | 7.440% |
| Citibank, National Association | 441 | $7,059 | 6.250% |
| East West Bank | 409 | $5,048 | 6.750% |
| Cathay Bank | 333 | $7,181 | 6.375% |
| CMG MORTGAGE, INC. | 322 | $9,239 | 6.250% |
| CROSSCOUNTRY MORTGAGE, INC. | 250 | $6,889 | 6.625% |
What lenders charged here
Lender fees on a $495,000 loan, based on what was actually charged in Queens County — not a rule of thumb.
From 9,189 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