First Credit Corporation of New York in Florida vs the state
71.6%Denial rate+50.58 pts vs state
72.7%Decision denial rate+45.49 pts vs state
9.0%Origination rate-43.73 pts vs state
7.62%Median rate+0.99 pts vs state
1.67Rate spread (pts)+1.40 pts vs state
$66kMedian applicant income
12Loans originated
96Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 382 | 46 | 77.0% | 7.24% | #274 |
| 2024 | 215 | 0 | 79.1% | — | #371 |
| 2025 | 134 | 12 | 71.6% | 7.62% | #436 |
What First Credit Corporation of New York lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most First Credit Corporation of New York applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 26 | 0 | 24 | 92.3% |
| Martin County | 17 | 4 | 6 | 35.3% |
| Lee County | 12 | 3 | 8 | 66.7% |
| Miami-Dade County | 11 | 0 | 10 | 90.9% |
| Orange County | 8 | 1 | 7 | 87.5% |
| Seminole County | 7 | 0 | 7 | 100.0% |
| Pasco County | 7 | 1 | 6 | 85.7% |
| Lake County | 7 | 1 | 4 | 57.1% |
| Volusia County | 6 | 1 | 4 | 66.7% |
| Monroe County | 5 | 0 | 1 | 20.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 134 applications in 2025, of which 12 were originated and 96 denied.
71.6% of all applications, or 72.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans First Credit Corporation of New York originated in Florida in 2025 was 7.62%, against a statewide median of 6.63%.
About this data. Figures are First Credit Corporation of New York's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology