Citibank in Pennsylvania vs the state
20.8%Denial rate+2.48 pts vs state
34.9%Decision denial rate+12.70 pts vs state
38.0%Origination rate-23.01 pts vs state
6.38%Median rate-0.25 pts vs state
0.00Rate spread (pts)-0.24 pts vs state
$136kMedian applicant income
148Loans originated
81Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 313 | 175 | 5.4% | 5.88% | #203 |
| 2024 | 415 | 189 | 15.9% | 6.50% | #167 |
| 2025 | 390 | 148 | 20.8% | 6.38% | #193 |
What Citibank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 61 | 19 | 12 | 19.7% |
| Allegheny County | 48 | 30 | 3 | 6.3% |
| Montgomery County | 40 | 15 | 9 | 22.5% |
| Delaware County | 29 | 13 | 5 | 17.2% |
| Chester County | 26 | 9 | 4 | 15.4% |
| Monroe County | 25 | 6 | 8 | 32.0% |
| Bucks County | 17 | 9 | 4 | 23.5% |
| Pike County | 17 | 8 | 2 | 11.8% |
| Lehigh County | 16 | 5 | 4 | 25.0% |
| Luzerne County | 11 | 1 | 5 | 45.5% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 390 applications in 2025, of which 148 were originated and 81 denied.
20.8% of all applications, or 34.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Citibank originated in Pennsylvania in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Citibank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology