Easy Street Capital at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
91st0.0% deniedProcesswithdrawn + incomplete share, weight 15%
87th0.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 2,071 | 2,071 | 0.0% | 0.0% | 10.90% | $696M |
| 2024 | 1,937 | 1,937 | 0.0% | 0.0% | 10.90% | $721M |
| 2025 | 2,409 | 2,409 | 0.0% | 0.0% | 9.90% | $864M |
What Easy Street Capital lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 2,409 investment properties.
Who gets approved at Easy Street Capital
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 58 | 58 | 0.0% |
| 35–44 | 113 | 113 | 0.0% |
| 45–54 | 104 | 104 | 0.0% |
| 55–64 | 66 | 66 | 0.0% |
| 65–74 | 21 | 21 | 0.0% |
Where Easy Street Capital lends
45 states and 357 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 590 | 590 | 0.0% | 9.90% | #222 |
| California | 463 | 463 | 0.0% | 9.90% | #267 |
| Texas | 382 | 382 | 0.0% | 9.90% | #304 |
| Georgia | 205 | 205 | 0.0% | 9.90% | #246 |
| North Carolina | 175 | 175 | 0.0% | 9.90% | #246 |
| Tennessee | 85 | 85 | 0.0% | 9.90% | #351 |
| Pennsylvania | 70 | 70 | 0.0% | 9.90% | #436 |
| Virginia | 61 | 61 | 0.0% | 9.90% | #346 |
| Ohio | 53 | 53 | 0.0% | 9.90% | #401 |
| Maryland | 28 | 28 | 0.0% | 9.90% | #374 |
| Colorado | 27 | 27 | 0.0% | 9.90% | #381 |
| Arizona | 25 | 25 | 0.0% | 9.90% | #401 |
| New Jersey | 21 | 21 | 0.0% | 9.90% | #441 |
| Alabama | 19 | 19 | 0.0% | 9.90% | #397 |
| Hawaii | 19 | 19 | 0.0% | 9.90% | #133 |
| Indiana | 19 | 19 | 0.0% | 9.90% | #461 |
| Massachusetts | 19 | 19 | 0.0% | 9.90% | #417 |
| Connecticut | 18 | 18 | 0.0% | 9.90% | #314 |
| South Carolina | 18 | 18 | 0.0% | 9.90% | #467 |
| Oklahoma | 12 | 12 | 0.0% | 9.90% | #384 |
| District of Columbia | 11 | 11 | 0.0% | 9.90% | #172 |
| Michigan | 10 | 10 | 0.0% | 9.90% | #515 |
| Washington | 9 | 9 | 0.0% | 9.90% | #468 |
| Delaware | 7 | 7 | 0.0% | 9.90% | #291 |
| Idaho | 6 | 6 | 0.0% | 10.90% | #305 |
| Wisconsin | 6 | 6 | 0.0% | 9.90% | #560 |
| Arkansas | 5 | 5 | 0.0% | 9.90% | #426 |
Frequently asked questions
Easy Street Capital denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 91st percentile of investment-property lenders.
The median interest rate on loans Easy Street Capital originated in 2025 was 9.90%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 0% of its applications were for home purchases, 0% for refinancing (including cash-out), and 100% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.