FIRST NEW YORK
FIRST NEW YORK received 682 applications in 2025 and made 486 mortgages, in 16 counties across 1 state. The median rate its borrowers got was 5.490% on a median loan of $125,000. Of 580 decisions, 93 were denials — 16.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493007G2SOD8W9RK547 |
|---|---|
| Applications received | 682 |
| Mortgages made | 486 |
| Denied | 93 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 102 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.325 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 | 76 | 5.500% | $300,000 | 14.6% |
| Refinancing | 108 | 4.990% | $155,000 | 12.9% |
| Cash-out refinancing | 145 | 6.240% | $85,000 | 16.1% |
| Other purposes | 157 | 5.490% | $85,000 | 18.7% |
Where FIRST NEW YORK lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Schenectady County, NY | 131 | 6.240% | 13.2% |
| Saratoga County, NY | 124 | 4.750% | 11.4% |
| Albany County, NY | 97 | 5.625% | 22.4% |
| Schoharie County, NY | 48 | 5.500% | 11.1% |
| Rensselaer County, NY | 37 | 5.490% | 14.0% |
| Montgomery County, NY | 16 | 5.490% | 23.8% |
| Fulton County, NY | 9 | Under 10 loans | 0.0% |
| Columbia County, NY | 7 | Under 10 loans | 30.0% |
| Washington County, NY | 5 | Under 10 loans | 37.5% |
| Greene County, NY | 3 | Under 10 loans | 25.0% |
| Warren County, NY | 3 | Under 10 loans | 40.0% |
| Delaware County, NY | 2 | Under 10 loans | 33.3% |
| Otsego County, NY | 2 | Under 10 loans | 0.0% |
| Essex County, NY | 1 | Under 10 loans | 50.0% |
| Herkimer County, NY | 1 | Under 10 loans | 0.0% |
| Hamilton County, NY | 0 | Under 10 loans | 100.0% |
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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.