Frederick James McCarthy 1 was born in Liverpool, Lancashire, England on 24 November 1873, later being baptised on 28 December that year in St Anthony's Roman Catholic Church.
He was the son of Michael McCarty (b. 1847), a sea steward, and Sarah Anne Dooley (b. 1852). His father was Irish by birth and his mother was a native of Stockport, Cheshire and they had married in Liverpool in late 1870, going on to have eleven children, four of whom were lost in infancy. Their known children, besides Frederick, were: Hubert (b. 1876), Mary (b. 1880), Sarah Elizabeth (b. 1883), Martha Jane (b. 1885), Kate (b. 1887), Elizabeth (b. 1889), Joseph (b. 1896).
Frederick appears with his family on the 1881 census living at 16 Chancel Street, Kirkale, Lancashire. He perhaps went to sea at a young age, following in his father's footsteps, and would be absent from the 1891 census when his family were listed as living at 1 Lintern Street, Kirkdale.
He was married in Liverpool in 1899 to Hilda Emma Medwell (b. 1874 in Sedgebrook, Lincolnshire) and they went on to have three children. His wife and first child, Hilda Emma (b. 1900), appeared on the 1901 census living at 36 St Ofreda (?) Street, Kirkdale, Lancashire.
When he signed-on to the Titanic, on 4 April 1912, Frederick gave his address as 17 Charlton Road, (Southampton). His last ship had been the Olympic and as a bedroom steward he received monthly wages of £3, 15s.
McCarthy died in the sinking. His body, if recovered, was never identified. His father, still working as a sea steward, arrived in New York on 23 April 1912 aboard the Allan Line Steamer Victoria and immediately sought information about his son.
The following death notice appeared in an unidentified newspaper:
McCarthy--April 15th, on the s.s. Titanic, F. J. McCarthy, aged 38, the dearly beloved husband of Emma McCarthy, of Devonfield, Charlton-road. Sadly missed by his sorrowing wife and children. "Nearer my God, to Thee."
His widow Hilda never remarried and remained in Southampton, later living at 54 Paynes Road. She died on 12 July 1964.