First Heritage Federal Credit Union in New York vs the state
22.8%Denial rate+3.07 pts vs state
25.1%Decision denial rate+1.07 pts vs state
66.3%Origination rate+6.75 pts vs state
6.25%Median rate-0.38 pts vs state
0.00Rate spread (pts)-0.21 pts vs state
$83kMedian applicant income
343Loans originated
118Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 435 | 294 | 18.9% | 6.49% | #124 |
| 2024 | 490 | 346 | 18.6% | 6.74% | #120 |
| 2025 | 517 | 343 | 22.8% | 6.25% | #134 |
What First Heritage Federal Credit Union 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 Heritage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chemung County | 262 | 179 | 55 | 21.0% |
| Steuben County | 209 | 133 | 52 | 24.9% |
| Allegany County | 13 | 10 | 3 | 23.1% |
| Schuyler County | 12 | 7 | 3 | 25.0% |
| Livingston County | 4 | 4 | 0 | 0.0% |
| Yates County | 3 | 2 | 1 | 33.3% |
| Monroe County | 3 | 2 | 1 | 33.3% |
| Tioga County | 2 | 2 | 0 | 0.0% |
| Seneca County | 2 | 0 | 2 | 100.0% |
| Tompkins County | 2 | 1 | 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: 517 applications in 2025, of which 343 were originated and 118 denied.
22.8% of all applications, or 25.1% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans First Heritage Federal Credit Union originated in New York in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are First Heritage Federal Credit Union'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