First Citizens' Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
55th8.6% deniedProcesswithdrawn + incomplete share, weight 15%
35th15.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 295 | 236 | 7.5% | 8.5% | — | $37M |
| 2024 | 264 | 189 | 11.7% | 14.0% | — | $32M |
| 2025 | 205 | 157 | 7.3% | 8.6% | — | $34M |
What First Citizens' Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 3 investment properties.
Who gets approved at First Citizens' Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 47 | 36 | 11.9% |
| $100k – $150k | 62 | 45 | 4.3% |
| $150k – $250k | 65 | 52 | 8.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 21 | 17 | 0.0% |
| 35–44 | 50 | 43 | 4.4% |
| 45–54 | 52 | 36 | 12.2% |
| 55–64 | 39 | 31 | 8.8% |
| 65–74 | 34 | 23 | 13.8% |
Where First Citizens' Federal Credit Union lends
2 states and 6 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 203 | 157 | 7.4% | — | #160 |
Frequently asked questions
First Citizens' Federal Credit Union denied 8.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 55th percentile of small mortgage lenders.
In 2025, 24% of its applications were for home purchases, 76% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.