First Credit Corporation of New York in Pennsylvania vs the state
65.0%Denial rate+46.68 pts vs state
70.0%Decision denial rate+47.82 pts vs state
7.5%Origination rate-53.47 pts vs state
7.99%Median rate+1.37 pts vs state
2.13Rate spread (pts)+1.90 pts vs state
$55kMedian applicant income
28Loans originated
243Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 358 | 51 | 67.9% | 7.49% | #182 |
| 2024 | 395 | 0 | 72.7% | — | #175 |
| 2025 | 374 | 28 | 65.0% | 7.99% | #203 |
What First Credit Corporation of New York lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most First Credit Corporation of New York applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 69 | 3 | 48 | 69.6% |
| Bucks County | 54 | 6 | 35 | 64.8% |
| Northampton County | 40 | 2 | 28 | 70.0% |
| Lehigh County | 35 | 3 | 27 | 77.1% |
| Berks County | 30 | 3 | 17 | 56.7% |
| Montgomery County | 27 | 5 | 12 | 44.4% |
| Lancaster County | 27 | 3 | 13 | 48.1% |
| Chester County | 18 | 0 | 12 | 66.7% |
| Centre County | 10 | 0 | 6 | 60.0% |
| Adams County | 8 | 1 | 6 | 75.0% |
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: 374 applications in 2025, of which 28 were originated and 243 denied.
65.0% of all applications, or 70.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans First Credit Corporation of New York originated in Pennsylvania in 2025 was 7.99%, against a statewide median of 6.63%.
About this data. Figures are First Credit Corporation of New York'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