Center Street Lending VIII SPE in New York vs the state
20.0%Denial rate+0.25 pts vs state
25.0%Decision denial rate+0.96 pts vs state
60.0%Origination rate+0.41 pts vs state
10.24%Median rate+3.62 pts vs state
—Rate spread (pts)
—Median applicant income
9Loans originated
3Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 16 | 8 | 0.0% | 11.43% | #409 |
| 2025 | 15 | 9 | 20.0% | 10.24% | #433 |
What Center Street Lending VIII SPE lends in New York
By loan purpose
By loan type
Why it denied New York applicants
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: 15 applications in 2025, of which 9 were originated and 3 denied.
20.0% of all applications, or 25.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Center Street Lending VIII SPE originated in New York in 2025 was 10.24%, against a statewide median of 6.63%.
About this data. Figures are Center Street Lending VIII SPE'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