East Coast Capital in New York vs the state
5.3%Denial rate-14.50 pts vs state
7.7%Decision denial rate-16.38 pts vs state
63.3%Origination rate+3.68 pts vs state
6.75%Median rate+0.13 pts vs state
0.44Rate spread (pts)+0.23 pts vs state
$156kMedian applicant income
808Loans originated
67Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,035 | 622 | 4.1% | 6.75% | #75 |
| 2024 | 1,113 | 702 | 4.4% | 6.88% | #75 |
| 2025 | 1,277 | 808 | 5.3% | 6.75% | #68 |
What East Coast Capital lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most East Coast Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 401 | 269 | 26 | 6.5% |
| Nassau County | 291 | 195 | 13 | 4.5% |
| Queens County | 175 | 99 | 12 | 6.9% |
| Kings County | 132 | 70 | 6 | 4.5% |
| Westchester County | 65 | 46 | 2 | 3.1% |
| Bronx County | 57 | 36 | 1 | 1.8% |
| Orange County | 30 | 18 | 1 | 3.3% |
| New York County | 27 | 14 | 2 | 7.4% |
| Richmond County | 25 | 18 | 0 | 0.0% |
| Rockland County | 10 | 6 | 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: 1,277 applications in 2025, of which 808 were originated and 67 denied.
5.3% of all applications, or 7.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans East Coast Capital originated in New York in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are East Coast Capital'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