FIRST CREDIT CORPORATION OF NEW YORK, INC.
FIRST CREDIT CORPORATION OF NEW YORK, INC. received 1,468 applications in 2025 and made 134 mortgages, in 157 counties across 15 states. The median rate its borrowers got was 7.865% on a median loan of $85,000. Of 1,374 decisions, 972 were denials — 70.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300S347HTLHLOC775 |
|---|---|
| Applications received | 1,468 |
| Mortgages made | 134 |
| Denied | 972 |
| Approved, not taken up | 268 |
| Withdrawn or incomplete | 94 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 2.019 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 | 131 | 7.990% | $85,000 | 70.9% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 50.0% |
Where FIRST CREDIT CORPORATION OF NEW YORK, INC. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Capitol Planning Region, CT | 7 | Under 10 loans | 26.1% |
| Middlesex County, NJ | 7 | Under 10 loans | 73.5% |
| Atlantic County, NJ | 6 | Under 10 loans | 82.0% |
| Bucks County, PA | 6 | Under 10 loans | 70.0% |
| Southeastern Connecticut Planning Region, CT | 5 | Under 10 loans | 33.3% |
| Niagara County, NY | 5 | Under 10 loans | 67.9% |
| Saratoga County, NY | 5 | Under 10 loans | 63.3% |
| Montgomery County, PA | 5 | Under 10 loans | 46.2% |
| Martin County, FL | 4 | Under 10 loans | 35.3% |
| Camden County, NJ | 4 | Under 10 loans | 33.3% |
| Cape May County, NJ | 4 | Under 10 loans | 72.2% |
| Ulster County, NY | 4 | Under 10 loans | 68.2% |
| Horry County, SC | 4 | Under 10 loans | 43.8% |
| Kent County, DE | 3 | Under 10 loans | 16.7% |
| Lee County, FL | 3 | Under 10 loans | 72.7% |
| Erie County, NY | 3 | Under 10 loans | 81.8% |
| Oneida County, NY | 3 | Under 10 loans | 20.0% |
| Berks County, PA | 3 | Under 10 loans | 60.7% |
| Lancaster County, PA | 3 | Under 10 loans | 56.5% |
| Lehigh County, PA | 3 | Under 10 loans | 81.8% |
| York County, PA | 3 | Under 10 loans | 73.9% |
| Burlington County, NJ | 2 | Under 10 loans | 80.0% |
| Monmouth County, NJ | 2 | Under 10 loans | 54.2% |
| Ocean County, NJ | 2 | Under 10 loans | 81.0% |
| Columbia County, NY | 2 | Under 10 loans | 77.8% |
| Dutchess County, NY | 2 | Under 10 loans | 61.9% |
| Ontario County, NY | 2 | Under 10 loans | 50.0% |
| Rensselaer County, NY | 2 | Under 10 loans | 40.0% |
| Northampton County, PA | 2 | Under 10 loans | 73.7% |
| Weld County, CO | 1 | Under 10 loans | 92.3% |
| Lower Connecticut River Valley Planning Region, CT | 1 | Under 10 loans | 20.0% |
| Naugatuck Valley Planning Region, CT | 1 | Under 10 loans | 88.9% |
| South Central Connecticut Planning Region, CT | 1 | Under 10 loans | 85.7% |
| Western Connecticut Planning Region, CT | 1 | Under 10 loans | 66.7% |
| Lake County, FL | 1 | Under 10 loans | 57.1% |
| Marion County, FL | 1 | Under 10 loans | 50.0% |
| Orange County, FL | 1 | Under 10 loans | 87.5% |
| Pasco County, FL | 1 | Under 10 loans | 85.7% |
| Volusia County, FL | 1 | Under 10 loans | 66.7% |
| Columbia County, GA | 1 | Under 10 loans | 0.0% |
| Bristol County, MA | 1 | Under 10 loans | 0.0% |
| Warren County, NJ | 1 | Under 10 loans | 33.3% |
| Albany County, NY | 1 | Under 10 loans | 50.0% |
| Cattaraugus County, NY | 1 | Under 10 loans | 50.0% |
| Fulton County, NY | 1 | Under 10 loans | 71.4% |
| Herkimer County, NY | 1 | Under 10 loans | 50.0% |
| Monroe County, NY | 1 | Under 10 loans | 50.0% |
| Orange County, NY | 1 | Under 10 loans | 80.0% |
| Putnam County, NY | 1 | Under 10 loans | 81.8% |
| Suffolk County, NY | 1 | Under 10 loans | 77.8% |
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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.