First Citizens Community Bank in Pennsylvania vs the state
6.5%Denial rate-11.78 pts vs state
7.4%Decision denial rate-14.86 pts vs state
81.9%Origination rate+20.98 pts vs state
6.63%Median rate0.00 pts vs state
0.26Rate spread (pts)+0.02 pts vs state
$86kMedian applicant income
617Loans originated
49Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 539 | 430 | 6.9% | 7.13% | #132 |
| 2024 | 691 | 565 | 7.1% | 6.75% | #109 |
| 2025 | 753 | 617 | 6.5% | 6.63% | #118 |
What First Citizens Community Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most First Citizens Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 303 | 238 | 22 | 7.3% |
| Montgomery County | 94 | 82 | 3 | 3.2% |
| Bucks County | 90 | 74 | 5 | 5.6% |
| Bradford County | 65 | 55 | 6 | 9.2% |
| Tioga County | 61 | 48 | 7 | 11.5% |
| Delaware County | 27 | 20 | 3 | 11.1% |
| Berks County | 23 | 18 | 1 | 4.3% |
| Schuylkill County | 18 | 16 | 1 | 5.6% |
| Lebanon County | 14 | 13 | 0 | 0.0% |
| Potter County | 12 | 12 | 0 | 0.0% |
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: 753 applications in 2025, of which 617 were originated and 49 denied.
6.5% of all applications, or 7.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans First Citizens Community Bank originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are First Citizens Community 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