First Alliance Home Mortgage in New York vs the state
8.5%Denial rate-11.28 pts vs state
16.7%Decision denial rate-7.37 pts vs state
42.4%Origination rate-17.22 pts vs state
5.99%Median rate-0.63 pts vs state
0.54Rate spread (pts)+0.33 pts vs state
$109kMedian applicant income
25Loans originated
5Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 57 | 25 | 10.5% | 6.50% | #317 |
| 2024 | 79 | 41 | 6.3% | 6.00% | #290 |
| 2025 | 59 | 25 | 8.5% | 5.99% | #318 |
What First Alliance Home Mortgage lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most First Alliance Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 9 | 4 | 0 | 0.0% |
| Dutchess County | 5 | 1 | 1 | 20.0% |
| Nassau County | 4 | 1 | 1 | 25.0% |
| Onondaga County | 4 | 4 | 0 | 0.0% |
| Cortland County | 3 | 3 | 0 | 0.0% |
| Suffolk County | 3 | 0 | 0 | 0.0% |
| Oneida County | 3 | 0 | 0 | 0.0% |
| Richmond County | 3 | 2 | 1 | 33.3% |
| Monroe County | 3 | 0 | 0 | 0.0% |
| Niagara County | 2 | 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: 59 applications in 2025, of which 25 were originated and 5 denied.
8.5% of all applications, or 16.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans First Alliance Home Mortgage originated in New York in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are First Alliance Home Mortgage'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