Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Nassau County, New York
Every institution that decided a 1–4 unit mortgage application in Nassau County, home to Hempstead, between 2023 and 2025: 65,792 applications, 46,895 loans actually funded, across 8 kinds of borrowing.
Nassau County at a glance
65,792Applications decided
2023–2025
46,895Loans funded
71% of decisions
281Census tracts
64 ZIP codes
1,388,138People
ACS 2023
What the data shows
The typical purchase mortgage here is $585K.
Investment home improvement is the hardest money to get here: lenders approved 46% of 339 applications.
Lending by loan type in Nassau County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.4% | 29,123 | $585K | 96% | 275 |
| Home improvement loans | 50.4% | 14,533 | $155K | 95% | 119 |
| Cash-out refinance | 71.9% | 8,466 | $295K | 95% | 183 |
| Refinance | 65.6% | 8,406 | $285K | 95% | 194 |
| Investment property purchase | 86.3% | 3,245 | $515K | 94% | 197 |
| Investment cash-out refinance | 77.7% | 1,144 | $495K | 90% | 125 |
| Investment refinance | 75.0% | 536 | $505K | 88% | 106 |
| Investment home improvement | 45.7% | 339 | $405K | 97% | 45 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.