First Federal Bank in New York vs the state
18.9%Denial rate-0.88 pts vs state
28.6%Decision denial rate+4.53 pts vs state
47.2%Origination rate-12.42 pts vs state
6.13%Median rate-0.50 pts vs state
0.03Rate spread (pts)-0.18 pts vs state
$138kMedian applicant income
25Loans originated
10Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 30 | 19 | 10.0% | 6.63% | #360 |
| 2024 | 46 | 21 | 23.9% | 6.25% | #331 |
| 2025 | 53 | 25 | 18.9% | 6.13% | #328 |
What First Federal Bank 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 Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 8 | 3 | 2 | 25.0% |
| Westchester County | 6 | 4 | 0 | 0.0% |
| Kings County | 4 | 1 | 2 | 50.0% |
| Richmond County | 3 | 2 | 0 | 0.0% |
| Suffolk County | 3 | 2 | 0 | 0.0% |
| Onondaga County | 3 | 0 | 1 | 33.3% |
| Queens County | 3 | 1 | 1 | 33.3% |
| Rockland County | 2 | 1 | 1 | 50.0% |
| Warren County | 2 | 0 | 0 | 0.0% |
| Steuben County | 2 | 2 | 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: 53 applications in 2025, of which 25 were originated and 10 denied.
18.9% of all applications, or 28.6% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans First Federal Bank originated in New York in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are First Federal Bank'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