Citizens Bank in Pennsylvania vs the state
28.1%Denial rate+9.80 pts vs state
31.9%Decision denial rate+9.73 pts vs state
57.2%Origination rate-3.77 pts vs state
7.65%Median rate+1.03 pts vs state
0.37Rate spread (pts)+0.13 pts vs state
$92kMedian applicant income
10,441Loans originated
5,129Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21,265 | 11,903 | 32.1% | 8.00% | #1 |
| 2024 | 16,252 | 9,085 | 30.6% | 8.65% | #2 |
| 2025 | 18,256 | 10,441 | 28.1% | 7.65% | #2 |
What Citizens Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 3,267 | 1,918 | 827 | 25.3% |
| Philadelphia County | 2,205 | 969 | 911 | 41.3% |
| Montgomery County | 2,197 | 1,342 | 538 | 24.5% |
| Bucks County | 1,385 | 873 | 349 | 25.2% |
| Delaware County | 1,310 | 733 | 380 | 29.0% |
| Chester County | 1,278 | 805 | 290 | 22.7% |
| Westmoreland County | 666 | 402 | 168 | 25.2% |
| Berks County | 628 | 363 | 184 | 29.3% |
| Washington County | 469 | 278 | 118 | 25.2% |
| Beaver County | 426 | 246 | 114 | 26.8% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| 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% |
| Newrez | D | 6,444 | 20.7% | 6.75% |
Frequently asked questions
Pennsylvania: 18,256 applications in 2025, of which 10,441 were originated and 5,129 denied.
28.1% of all applications, or 31.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Citizens Bank originated in Pennsylvania in 2025 was 7.65%, against a statewide median of 6.63%.
About this data. Figures are Citizens Bank'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