Capital Bank in New York vs the state
8.3%Denial rate-11.42 pts vs state
9.1%Decision denial rate-14.95 pts vs state
75.0%Origination rate+15.41 pts vs state
6.63%Median rate0.00 pts vs state
0.11Rate spread (pts)-0.10 pts vs state
$158kMedian applicant income
9Loans originated
1Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 7 | 5 | 0.0% | 6.65% | #464 |
| 2025 | 12 | 9 | 8.3% | 6.63% | #449 |
What Capital Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kings County | 3 | 3 | 0 | 0.0% |
| Nassau County | 2 | 1 | 0 | 0.0% |
| Herkimer County | 1 | 1 | 0 | 0.0% |
| Saratoga County | 1 | 1 | 0 | 0.0% |
| Suffolk County | 1 | 1 | 0 | 0.0% |
| Monroe County | 1 | 0 | 0 | 0.0% |
| Dutchess County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 1 | 100.0% |
| Richmond County | 1 | 1 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 12 applications in 2025, of which 9 were originated and 1 denied.
8.3% of all applications, or 9.1% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Capital Bank originated in New York in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Capital Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology