Lument Real Estate Capital in New York vs the state
12.5%Denial rate-7.25 pts vs state
15.0%Decision denial rate-9.04 pts vs state
62.5%Origination rate+2.91 pts vs state
5.57%Median rate-1.06 pts vs state
—Rate spread (pts)
—Median applicant income
15Loans originated
3Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 13 | 9.5% | 0.06% | #395 |
| 2024 | 32 | 20 | 15.6% | 5.82% | #353 |
| 2025 | 24 | 15 | 12.5% | 5.57% | #399 |
What Lument Real Estate 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 Lument Real Estate Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 6 | 6 | 0 | 0.0% |
| Queens County | 4 | 2 | 0 | 0.0% |
| Kings County | 3 | 2 | 1 | 33.3% |
| New York County | 2 | 1 | 1 | 50.0% |
| Dutchess County | 1 | 1 | 0 | 0.0% |
| Sullivan County | 1 | 0 | 1 | 100.0% |
| Saratoga County | 1 | 1 | 0 | 0.0% |
| Westchester County | 1 | 0 | 0 | 0.0% |
| Ontario County | 1 | 1 | 0 | 0.0% |
| Orange 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: 24 applications in 2025, of which 15 were originated and 3 denied.
12.5% of all applications, or 15.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Lument Real Estate Capital originated in New York in 2025 was 5.57%, against a statewide median of 6.63%.
About this data. Figures are Lument Real Estate 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