Lima One Capital in New York vs the state
45.6%Denial rate+25.81 pts vs state
54.7%Decision denial rate+30.63 pts vs state
37.8%Origination rate-21.81 pts vs state
7.45%Median rate+0.83 pts vs state
—Rate spread (pts)
—Median applicant income
34Loans originated
41Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 141 | 141 | 0.0% | 9.50% | #230 |
| 2024 | 172 | 96 | 23.8% | 8.05% | #212 |
| 2025 | 90 | 34 | 45.6% | 7.45% | #279 |
What Lima One 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 Lima One Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Onondaga County | 12 | 7 | 2 | 16.7% |
| Albany County | 10 | 8 | 1 | 10.0% |
| Kings County | 8 | 0 | 7 | 87.5% |
| Erie County | 7 | 2 | 3 | 42.9% |
| Broome County | 7 | 2 | 5 | 71.4% |
| Suffolk County | 5 | 0 | 3 | 60.0% |
| Chemung County | 5 | 3 | 2 | 40.0% |
| Monroe County | 4 | 3 | 0 | 0.0% |
| Warren County | 3 | 3 | 0 | 0.0% |
| Jefferson County | 3 | 2 | 1 | 33.3% |
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: 90 applications in 2025, of which 34 were originated and 41 denied.
45.6% of all applications, or 54.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Lima One Capital originated in New York in 2025 was 7.45%, against a statewide median of 6.63%.
About this data. Figures are Lima One 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