First Credit Corporation of New York in Massachusetts vs the state
70.0%Denial rate+53.79 pts vs state
70.0%Decision denial rate+50.05 pts vs state
10.0%Origination rate-52.60 pts vs state
8.24%Median rate+1.62 pts vs state
2.94Rate spread (pts)+2.85 pts vs state
$69kMedian applicant income
1Loans originated
7Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 4 | 51.9% | 7.37% | #364 |
| 2024 | 28 | 0 | 67.9% | — | #372 |
| 2025 | 10 | 1 | 70.0% | 8.24% | #461 |
What First Credit Corporation of New York lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most First Credit Corporation of New York applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 5 | 0 | 5 | 100.0% |
| Bristol County | 2 | 1 | 0 | 0.0% |
| Essex County | 2 | 0 | 2 | 100.0% |
| Hampden County | 1 | 0 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 10 applications in 2025, of which 1 were originated and 7 denied.
70.0% of all applications, or 70.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans First Credit Corporation of New York originated in Massachusetts in 2025 was 8.24%, 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 Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology