East Coast Capital Corp.: 2025 mortgage rates, costs & approvals
How East Coast Capital Corp. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: EAST COAST CAPITAL CORP. · LEI 549300LI3FDGO7UKFF39
In 2025, East Coast Capital Corp. originated 1,118 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 31 states — 417th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 22 basis points above the national median. Median conventional loan costs were $9,270, 66% higher than the national median ($5,570).
It denied 8.7% of completed home-purchase applications (all lenders: 8.5%).
How East Coast Capital Corp. priced home-purchase loans
| Purchase loans, 2025 | East Coast Capital Corp. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.750% | 6.625% |
| 30-year fixed rate · FHA | 6.500% | 6.250% |
| 30-year fixed rate · VA | 6.500% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.36 pts | +0.13 pts |
| Total loan costs · conventional | $9,270 | $5,570 |
| Total loan costs · FHA | $19,470 | $11,310 |
| Total loan costs · VA | $8,740 | $6,490 |
| Origination charges (all types) | $4,910 | $1,860 |
| Borrowers paying discount points | 38.9% | 51.3% |
| Points paid, when paid (% of loan) | 1.00% | 0.87% |
| Borrowers receiving lender credits | 37.0% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why East Coast Capital Corp. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where East Coast Capital Corp. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| New York | 640 | 696 | 9.6% | 6.625% | $10,620 |
| New Jersey | 101 | 110 | 10.3% | 6.875% | $8,810 |
| Pennsylvania | 58 | 61 | 6.8% | — | — |
| Florida | 57 | 62 | 7.0% | 6.750% | $7,860 |
| Ohio | 55 | 56 | 2.3% | 6.750% | $5,950 |
| South Carolina | 45 | 46 | 2.7% | 6.625% | $5,280 |
| Connecticut | 40 | 43 | 3.2% | — | $9,280 |
| Texas | 16 | 16 | — | — | — |
| Georgia | 15 | 16 | — | — | — |
| North Carolina | 12 | 13 | — | — | — |
| Maryland | 11 | 13 | — | — | — |
| Massachusetts | 8 | 10 | — | — | — |
| Virginia | 8 | 9 | — | — | — |
| Arizona | 7 | 7 | — | — | — |
| Colorado | 7 | 7 | — | — | — |
| Michigan | 6 | 7 | — | — | — |
| California | 5 | 6 | — | — | — |
| Illinois | 4 | 4 | — | — | — |
| Indiana | 4 | 4 | — | — | — |
| Rhode Island | 2 | 3 | — | — | — |
| Alabama | 2 | 2 | — | — | — |
| Delaware | 2 | 2 | — | — | — |
| Louisiana | 2 | 2 | — | — | — |
| Oregon | 2 | 2 | — | — | — |
| Tennessee | 2 | 2 | — | — | — |
| West Virginia | 2 | 2 | — | — | — |
| Mississippi | 1 | 2 | — | — | — |
| Kansas | 1 | 1 | — | — | — |
| Minnesota | 1 | 1 | — | — | — |
| New Hampshire | 1 | 1 | — | — | — |
| Nevada | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open East Coast Capital Corp.'s page for that state.
Counties where East Coast Capital Corp. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sullivan County, PA | 16 | 1 | 2.2% |
| Suffolk County, NY | 18 | 223 | 1.6% |
| Nassau County, NY | 16 | 163 | 1.6% |
| Bronx County, NY | 22 | 26 | 1.3% |
| Leflore County, MS | 25 | 1 | 0.6% |
Check East Coast Capital Corp. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300LI3FDGO7UKFF39.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from East Coast Capital Corp. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology