2025 activity year · County-level source proof
Kings County mortgage market
Reported county-level mortgage application activity from the official CFPB/FFIEC HMDA Data Browser, with purchased loans excluded from the application denominator.
Activity year
2025
Action taken
What happened to applications?
Originated51.7% · 12,900
Approved, not accepted2.7% · 672
Denied21.0% · 5,234
Withdrawn16.3% · 4,064
File closed for incompleteness8.2% · 2,036
Preapproval approved, not accepted0.1% · 33
“Originated” is a reported historical outcome, not an approval probability for a future applicant.
Loan purpose
Why people applied
49%Home purchase
- Home purchase48.8%
- Home improvement10.8%
- Other purpose8.8%
- Refinancing14.5%
- Cash-out refinancing17.1%
Lender-reported reasons
Why applications were reported denied.
These are historical reason codes reported by lenders—not our assessment of an applicant, a prediction, or evidence of unlawful conduct. A denied application can have more than one reason.
Reason for denial
Share of denied decisions
Debt-to-income ratio42.7% · 2,239
Collateral28.5% · 1,495
Credit history18.2% · 955
Other16.1% · 842
Credit application incomplete7.7% · 406
Unverifiable information7.5% · 395
Insufficient cash5.2% · 272
Employment history1.4% · 74
Each percentage uses all application and preapproval denial decisions as its denominator. Shares are not additive because lenders may report up to four reasons.
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Data provenance
County FIPS 36047, with two reconciled years.
This profile identifies the activity year, cohort rules, aggregate and row-level CSV endpoints, response hashes, and processing date. Source: CFPB/FFIEC HMDA Data Browser API. Last refreshed September 2, 2026.