Mortgage lending in Suffolk County
26,408 mortgages were originated in Suffolk 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
- 26,408
- Median rate
- 6.625%
- Median lender fees
- $8,621
- Median loan amount
- $415,000
- Median spread over APOR
- 0.249
- Paid discount points
- 32.5%
- Received lender credits
- 23.3%
- Purchases / refinances
- 48.4% / 28.6%
- Conventional / FHA / VA
- 88.1% / 9.9% / 1.8%
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 64.2% 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 Suffolk County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Bethpage Federal Credit Union | 1,752 | $6,096 | 6.490% |
| Rocket Mortgage, LLC | 1,733 | $5,175 | 6.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,712 | $14,811 | 6.384% |
| TEACHERS FEDERAL CREDIT UNION | 1,456 | — | 6.990% |
| Citizens Bank, National Association | 1,202 | $11,576 | 7.900% |
| JPMorgan Chase Bank, National Association | 1,100 | $6,708 | 6.375% |
| SUFFOLK | 1,043 | $517 | 5.990% |
| CONTOUR MORTGAGE CORPORATION | 912 | $8,466 | 6.625% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 890 | $13,796 | 6.750% |
| CROSSCOUNTRY MORTGAGE, INC. | 694 | $7,609 | 6.750% |
What lenders charged here
Lender fees on a $415,000 loan, based on what was actually charged in Suffolk County — not a rule of thumb.
From 16,943 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