FAMILY FIRST OF NY
FAMILY FIRST OF NY received 532 applications in 2025 and made 415 mortgages, in 13 counties across 1 state. The median rate its borrowers got was 6.990% on a median loan of $115,000. Of 471 decisions, 55 were denials — 11.7%, most often for debt-to-income ratio. 21 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300EZIROI6ZF7B419 |
|---|---|
| Applications received | 532 |
| Mortgages made | 415 |
| Denied | 55 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 61 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.2 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 116 | 6.375% | $185,000 | 6.5% |
| Refinancing | 61 | 7.500% | $105,000 | 4.7% |
| Cash-out refinancing | 11 | 7.250% | $165,000 | 35.3% |
| Other purposes | 227 | 6.990% | $85,000 | 14.3% |
Where FAMILY FIRST OF NY lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Monroe County, NY | 319 | 6.990% | 7.3% |
| Wayne County, NY | 31 | 7.120% | 8.8% |
| Genesee County, NY | 17 | 6.990% | 0.0% |
| Ontario County, NY | 14 | 6.745% | 25.0% |
| Livingston County, NY | 12 | 6.750% | 7.7% |
| Wyoming County, NY | 7 | Under 10 loans | 30.0% |
| Orleans County, NY | 4 | Under 10 loans | 33.3% |
| Niagara County, NY | 3 | Under 10 loans | 25.0% |
| Steuben County, NY | 3 | Under 10 loans | 0.0% |
| Erie County, NY | 2 | Under 10 loans | 33.3% |
| Chenango County, NY | 1 | Under 10 loans | 0.0% |
| Oswego County, NY | 1 | Under 10 loans | 0.0% |
| Seneca County, NY | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.