Lender profile
First Choice Financial
Lender Live rate observations
First Choice Financial at a glance
First Choice Financial is a lender based in New York. LoanMate.ai tracks 2 published loan products from First Choice Financial (2 rate listings), last verified 2026-10-17. Its lowest published rate today is 6.35% on Fixed home equity loan. Its Fixed home equity loan rate of 6.35% is 0.524 points below the national median of 6.874% (across 126 lenders publishing that product). First Choice Financial lends in New York only.
Home equity loan (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL | — | 6.35 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC | — | 12.85 | — | — | 2026-10-17 | Lender source ↗ |
How First Choice Financial compares
Compare all home equity loan rates · Compare all personal loan rates · Best loan rates in New York
Compare with: Access, Adirondack Regional, Adirondack Trust Company, Allegany First
Common questions
What is the lowest published rate at First Choice Financial?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from First Choice Financial is 6.35% on its Fixed home equity loan. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does First Choice Financial lend?
First Choice Financial lends in New York only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does First Choice Financial's Fixed home equity loan rate compare nationally?
First Choice Financial publishes Fixed home equity loan at 6.35%. The national median for that product is 6.874% across 126 lenders in LoanMate.ai's October 17, 2026 dataset, so First Choice Financial is 0.524 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.