First Community Mortgage in Pennsylvania vs the state
3.1%Denial rate-15.18 pts vs state
3.3%Decision denial rate-18.88 pts vs state
83.4%Origination rate+22.44 pts vs state
6.63%Median rate0.00 pts vs state
0.29Rate spread (pts)+0.05 pts vs state
$93kMedian applicant income
402Loans originated
15Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 83 | 71 | 3.6% | 7.13% | #400 |
| 2024 | 508 | 460 | 4.7% | 6.63% | #144 |
| 2025 | 482 | 402 | 3.1% | 6.63% | #160 |
What First Community Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most First Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 68 | 57 | 0 | 0.0% |
| Erie County | 60 | 55 | 1 | 1.7% |
| York County | 45 | 39 | 1 | 2.2% |
| Dauphin County | 33 | 26 | 0 | 0.0% |
| Chester County | 18 | 16 | 1 | 5.6% |
| Mifflin County | 18 | 14 | 0 | 0.0% |
| Berks County | 16 | 14 | 0 | 0.0% |
| Philadelphia County | 16 | 12 | 0 | 0.0% |
| Northumberland County | 15 | 13 | 2 | 13.3% |
| Montgomery County | 15 | 13 | 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: 482 applications in 2025, of which 402 were originated and 15 denied.
3.1% of all applications, or 3.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans First Community Mortgage originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are First Community 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