# FAMILY FIRST OF NY

> **Canonical URL:** https://saferate.com/lenders/family-first-of-ny


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


FAMILY FIRST OF NY is a credit union, headquartered in Rochester, NY, with 80 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 16% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300EZIROI6ZF7B419
- **Headquarters:** Rochester, NY
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NY
- **Markets (MSAs):** 1
- **Primary Channel:** mix
- **Direct Origination:** 77.2%
- **Brokered/Wholesale:** 22.8%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 84/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.045%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,178
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 80
- **Dollar Volume:** $14 million
- **Applications Received:** 101
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $173,000
- **Average Borrower Income:** $70,238
- **Average Property Value:** $219,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 80 | -0.045% | $1,178 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 71 loans, Score: 38/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 39/100 | 71 | $12M | -0.030% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 80 | 0.07% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Rochester, NY | NY | 76 | 70/100 |

## Where This Lender Ranks

FAMILY FIRST OF NY appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Rochester, NY Credit Unions
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Rochester, NY for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#11** in Rochester, NY
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does FAMILY FIRST OF NY offer?

FAMILY FIRST OF NY offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FAMILY FIRST OF NY offer mortgages?

FAMILY FIRST OF NY offers mortgages in 1 states: NY.

### How competitive are FAMILY FIRST OF NY's mortgage rates?

FAMILY FIRST OF NY has a pricing score of 84/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.045% below market average.

### What type of lender is FAMILY FIRST OF NY?

FAMILY FIRST OF NY is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Rochester, NY.

### What is FAMILY FIRST OF NY's loan approval success rate?

FAMILY FIRST OF NY has a pull-through score of 46/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/family-first-of-ny

### How to Cite

> "FAMILY FIRST OF NY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/family-first-of-ny

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