First Credit Corporation of New York, Inc. mortgage approval rate & lending review
First Credit Corporation of New York, Inc. decided 4,235 mortgage applications and funded 346 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Credit Corporation of New York, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Credit Corporation of New York, Inc. at a glance
Approval is 66.0 points below the 87.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 21% | 856 / 4,130 | 38% | $85K | 321 |
| Investment property purchase | 57% | 46 / 80 | 43% | $125K | 20 |
First Credit Corporation of New York, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 24% | $85K | 991 | 79 |
| New Jersey | 19% | $95K | 956 | 67 |
| New York | 25% | $85K | 892 | 96 |
| Florida | 18% | $75K | 670 | 54 |
| Connecticut | 41% | $125K | 142 | 16 |
| Colorado | 5% | $45K | 128 | 5 |
| South Carolina | 23% | $85K | 115 | 12 |
| Delaware | 23% | $125K | 74 | 9 |
| Massachusetts | 31% | $55K | 58 | 5 |
| Georgia | 9% | $65K | 56 | 1 |
| North Carolina | 6% | $35K | 54 | 1 |
| Arizona | 11% | $115K | 44 | 1 |
| Maryland | 16% | — | 31 | 0 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Credit Corporation of New York, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Dutchess County, NY | Mortgage lenders | 28% | 157 | 16 |
| Niagara County, NY | Mortgage lenders | 23% | 96 | 14 |
| Atlantic County, NJ | Mortgage lenders | 18% | 171 | 13 |
| Bucks County, PA | Mortgage lenders | 24% | 129 | 13 |
| Ocean County, NJ | Mortgage lenders | 16% | 237 | 12 |
| Lancaster County, PA | Mortgage lenders | 29% | 102 | 12 |
| Middlesex County, NJ | Mortgage lenders | 17% | 238 | 11 |
| Berks County, PA | Mortgage lenders | 40% | 70 | 11 |
| Ulster County, NY | Mortgage lenders | 23% | 74 | 10 |
| Martin County, FL | Mortgage lenders | 38% | 34 | 9 |
| Polk County, FL | Mortgage lenders | 12% | 156 | 9 |
| Monmouth County, NJ | Mortgage lenders | 30% | 91 | 9 |
The county markets where First Credit Corporation of New York, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about First Credit Corporation of New York, Inc.
What is First Credit Corporation of New York, Inc.'s mortgage approval rate?
First Credit Corporation of New York, Inc. approved 21.5% of the 4,235 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 66.0 points below the 87.5% national rate for the same mix of loan types.
How often do borrowers take the loan First Credit Corporation of New York, Inc. offers?
Borrowers accepted 38% of the loans First Credit Corporation of New York, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Credit Corporation of New York, Inc. make?
The typical home purchase mortgage loan First Credit Corporation of New York, Inc. made was $85K; across all loan types its typical loan ran from $85K to $125K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Credit Corporation of New York, Inc. lend?
First Credit Corporation of New York, Inc. decided applications in 18 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and New York.
Can I apply to First Credit Corporation of New York, Inc. directly?
Yes. First Credit Corporation of New York, Inc. reports as a direct lender that takes applications from borrowers.
Does this page show First Credit Corporation of New York, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Credit Corporation of New York, Inc. treats applications, then get a rate quote from the lender.