First Technology Federal Credit Union in New York vs the state
22.2%Denial rate+2.47 pts vs state
24.0%Decision denial rate-0.04 pts vs state
61.1%Origination rate+1.52 pts vs state
7.50%Median rate+0.88 pts vs state
0.36Rate spread (pts)+0.15 pts vs state
$166kMedian applicant income
33Loans originated
12Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 5 | 23.5% | 7.25% | #419 |
| 2024 | 34 | 12 | 38.2% | 8.75% | #348 |
| 2025 | 54 | 33 | 22.2% | 7.50% | #326 |
What First Technology 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 Technology Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Nassau County | 13 | 9 | 2 | 15.4% |
| Kings County | 9 | 3 | 5 | 55.6% |
| Suffolk County | 8 | 5 | 2 | 25.0% |
| Westchester County | 4 | 4 | 0 | 0.0% |
| Erie County | 2 | 2 | 0 | 0.0% |
| Ulster County | 2 | 2 | 0 | 0.0% |
| Onondaga County | 2 | 2 | 0 | 0.0% |
| Bronx County | 2 | 2 | 0 | 0.0% |
| Orange County | 2 | 1 | 1 | 50.0% |
| Schenectady County | 2 | 0 | 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: 54 applications in 2025, of which 33 were originated and 12 denied.
22.2% of all applications, or 24.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans First Technology Federal Credit Union originated in New York in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are First Technology 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