First Colony Mortgage in Pennsylvania vs the state
2.6%Denial rate-15.71 pts vs state
3.2%Decision denial rate-19.01 pts vs state
68.9%Origination rate+7.92 pts vs state
6.63%Median rate0.00 pts vs state
0.21Rate spread (pts)-0.03 pts vs state
$112kMedian applicant income
374Loans originated
14Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 18 | 3.9% | 7.25% | #561 |
| 2024 | 330 | 250 | 4.2% | 6.50% | #196 |
| 2025 | 543 | 374 | 2.6% | 6.63% | #146 |
What First Colony Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most First Colony Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 101 | 71 | 2 | 2.0% |
| Chester County | 59 | 43 | 2 | 3.4% |
| Philadelphia County | 54 | 42 | 2 | 3.7% |
| Bucks County | 34 | 24 | 0 | 0.0% |
| Allegheny County | 33 | 23 | 1 | 3.0% |
| Cumberland County | 30 | 15 | 0 | 0.0% |
| Berks County | 23 | 17 | 1 | 4.3% |
| Delaware County | 23 | 14 | 0 | 0.0% |
| Dauphin County | 17 | 10 | 1 | 5.9% |
| Lehigh County | 15 | 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: 543 applications in 2025, of which 374 were originated and 14 denied.
2.6% of all applications, or 3.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans First Colony Mortgage originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are First Colony Mortgage'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