# EAST COAST CAPITAL CORP.

> **Canonical URL:** https://saferate.com/lenders/east-coast-capital


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


EAST COAST CAPITAL CORP. is a independent mortgage company, headquartered in MELVILLE, NY, serving borrowers across 26 states, with 1,120 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 81% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300LI3FDGO7UKFF39
- **Headquarters:** MELVILLE, NY
- **Geographic Reach:** Near-National
- **States Served:** 26
- **State List:** AL, AZ, CA, CO, CT, DE, FL, GA, IL, IN, KY, MD, MI, NC, NJ, NV, NY, OH, PA, RI, SC, TN, TX, VA, WA, WI
- **Markets (MSAs):** 13
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 19/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.507%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,300
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,120
- **Dollar Volume:** $545 million
- **Applications Received:** 1,780
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $486,304
- **Average Borrower Income:** $187,783
- **Average Property Value:** $637,589

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 62/100 | 700 | +0.429% | $4,270 | Strong 😀 |
| FHA | 76/100 | 363 | +0.668% | $4,572 | Strong 😀 |
| VA | 43/100 | 28 | -0.193% | $1,005 | Sound ☺️ |
| Jumbo | 67/100 | 28 | +1.111% | $3,872 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 551 loans, Score: 61/100 (Strong)
- Refinance: 149 loans, Score: 65/100 (Strong)

**FHA:**
- Purchase: 317 loans, Score: 76/100 (Strong)
- Refinance: 46 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 25 loans, Score: 42/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 67/100 | 911 | $440M | +0.513% | Strong 😀 |
| Refinance | 67/100 | 209 | $105M | +0.467% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 647 | 0.57% | 83/100 |
| NJ | 107 | 0.12% | 65/100 |
| PA | 75 | 0.06% | 58/100 |
| FL | 64 | 0.02% | 51/100 |
| OH | 54 | 0.04% | 54/100 |
| SC | 44 | 0.05% | 55/100 |
| CT | 28 | 0.08% | 50/100 |
| MD | 21 | 0.03% | 45/100 |
| NC | 16 | 0.01% | 40/100 |
| GA | 13 | 0.01% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Nassau County | NY | 398 | 86/100 |
| New York | NY-NJ | 233 | 76/100 |
| Columbus, OH | OH | 44 | 58/100 |
| Non |  | 37 | 34/100 |
| Hilton Head Island | SC | 35 | 63/100 |
| Lakewood | NJ | 34 | 55/100 |
| Kiryas Joel | NY | 26 | 55/100 |
| Reading, PA | PA | 24 | 55/100 |
| Baltimore | MD | 19 | 46/100 |
| Newark, NJ | NJ | 18 | 47/100 |
| West Palm Beach | FL | 16 | 46/100 |
| Scranton | PA | 13 | 45/100 |
| Trenton | NJ | 13 | 47/100 |

## Where This Lender Ranks

EAST COAST CAPITAL CORP. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in Nassau County for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#15** in Nassau County for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#18** in Trenton for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/trenton/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#19** in New York for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#19** in Trenton for FHA Loans
  - [View Full Rankings](https://saferate.com/trenton/best-mortgage-lenders/fha-loans)
- 🏆 **#20** in Kiryas Joel for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does EAST COAST CAPITAL CORP. offer?

EAST COAST CAPITAL CORP. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does EAST COAST CAPITAL CORP. offer mortgages?

EAST COAST CAPITAL CORP. offers mortgages in 26 states: AL, AZ, CA, CO, CT, DE, FL, GA, IL, IN, KY, MD, MI, NC, NJ, NV, NY, OH, PA, RI, SC, TN, TX, VA, WA, WI.

### How competitive are EAST COAST CAPITAL CORP.'s mortgage rates?

EAST COAST CAPITAL CORP. has a pricing score of 19/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.507% above market average.

### What type of lender is EAST COAST CAPITAL CORP.?

EAST COAST CAPITAL CORP. is a non-depository lender that specializes in mortgage origination, headquartered in MELVILLE, NY.

### What is EAST COAST CAPITAL CORP.'s loan approval success rate?

EAST COAST CAPITAL CORP. has a pull-through score of 62/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/east-coast-capital

### How to Cite

> "EAST COAST CAPITAL CORP. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/east-coast-capital

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