Family First of NY in New York vs the state
10.3%Denial rate-9.41 pts vs state
11.7%Decision denial rate-12.36 pts vs state
78.0%Origination rate+18.42 pts vs state
6.99%Median rate+0.37 pts vs state
-0.20Rate spread (pts)-0.41 pts vs state
$94kMedian applicant income
415Loans originated
55Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 489 | 361 | 15.5% | 7.50% | #115 |
| 2024 | 536 | 422 | 11.8% | 7.99% | #114 |
| 2025 | 532 | 415 | 10.3% | 6.99% | #131 |
What Family First of NY lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Family First of NY applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 386 | 319 | 25 | 6.5% |
| Wayne County | 40 | 31 | 3 | 7.5% |
| Ontario County | 24 | 14 | 5 | 20.8% |
| Genesee County | 17 | 17 | 0 | 0.0% |
| Livingston County | 14 | 12 | 1 | 7.1% |
| Wyoming County | 10 | 7 | 3 | 30.0% |
| Orleans County | 6 | 4 | 2 | 33.3% |
| Niagara County | 4 | 3 | 1 | 25.0% |
| Steuben County | 3 | 3 | 0 | 0.0% |
| Erie 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: 532 applications in 2025, of which 415 were originated and 55 denied.
10.3% of all applications, or 11.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Family First of NY originated in New York in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Family First of NY'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