Reliance First Capital in New York vs the state
5.0%Denial rate-14.72 pts vs state
5.8%Decision denial rate-18.28 pts vs state
80.9%Origination rate+21.31 pts vs state
6.63%Median rate0.00 pts vs state
0.65Rate spread (pts)+0.44 pts vs state
$99kMedian applicant income
644Loans originated
40Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 440 | 358 | 4.3% | 6.75% | #123 |
| 2024 | 685 | 550 | 5.7% | 6.63% | #101 |
| 2025 | 796 | 644 | 5.0% | 6.63% | #105 |
What Reliance First 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 Reliance First Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 129 | 114 | 3 | 2.3% |
| Erie County | 91 | 73 | 6 | 6.6% |
| Nassau County | 47 | 39 | 3 | 6.4% |
| Queens County | 43 | 30 | 2 | 4.7% |
| Orange County | 34 | 30 | 1 | 2.9% |
| Monroe County | 31 | 24 | 4 | 12.9% |
| Westchester County | 28 | 22 | 0 | 0.0% |
| Onondaga County | 24 | 18 | 3 | 12.5% |
| Kings County | 19 | 17 | 0 | 0.0% |
| Richmond County | 19 | 13 | 2 | 10.5% |
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: 796 applications in 2025, of which 644 were originated and 40 denied.
5.0% of all applications, or 5.8% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Reliance First Capital originated in New York in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Reliance First 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