First-Citizens Bank & Trust in New York vs the state
10.6%Denial rate-9.16 pts vs state
14.8%Decision denial rate-9.29 pts vs state
55.3%Origination rate-4.30 pts vs state
5.75%Median rate-0.88 pts vs state
-0.23Rate spread (pts)-0.44 pts vs state
$617kMedian applicant income
47Loans originated
9Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 78 | 56 | 7.7% | 5.13% | #281 |
| 2024 | 101 | 56 | 9.9% | 5.88% | #261 |
| 2025 | 85 | 47 | 10.6% | 5.75% | #287 |
What First-Citizens Bank & Trust 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-Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New York County | 29 | 21 | 1 | 3.4% |
| Suffolk County | 16 | 5 | 2 | 12.5% |
| Kings County | 13 | 7 | 3 | 23.1% |
| Westchester County | 6 | 5 | 0 | 0.0% |
| Rensselaer County | 4 | 0 | 1 | 25.0% |
| Monroe County | 3 | 1 | 0 | 0.0% |
| Dutchess County | 3 | 2 | 0 | 0.0% |
| Queens County | 3 | 2 | 0 | 0.0% |
| Niagara County | 2 | 0 | 2 | 100.0% |
| Essex County | 1 | 0 | 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: 85 applications in 2025, of which 47 were originated and 9 denied.
10.6% of all applications, or 14.8% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans First-Citizens Bank & Trust originated in New York in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are First-Citizens Bank & Trust'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