Mortgage lending in Nassau County-Suffolk County, NY
45,636 mortgages were originated in the Nassau County-Suffolk County, NY area in 2025, and here is what they cost.
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
- 45,636
- Median rate
- 6.625%
- Median lender fees
- $8,740
- Median loan amount
- $445,000
- Median spread over APOR
- 0.206
- Paid discount points
- 32.1%
- Received lender credits
- 23%
- Purchases / refinances
- 48.5% / 28.3%
- Conventional / FHA / VA
- 90.1% / 8.3% / 1.5%
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 62.9% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Nassau County-Suffolk County, NY area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Bethpage Federal Credit Union | 3,395 | $6,134 | 6.490% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,889 | $15,110 | 6.490% |
| Rocket Mortgage, LLC | 2,871 | $5,260 | 6.990% |
| Citizens Bank, National Association | 2,383 | $12,232 | 7.900% |
| JPMorgan Chase Bank, National Association | 2,173 | $6,743 | 6.375% |
| Nassau Educators Federal Credit Union | 1,691 | $4,264 | 5.990% |
| TEACHERS FEDERAL CREDIT UNION | 1,678 | — | 6.990% |
| TD Bank, National Association | 1,437 | $4,998 | 7.690% |
| CONTOUR MORTGAGE CORPORATION | 1,341 | $8,636 | 6.625% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1,269 | $14,045 | 6.625% |