First Federal Bank in Pennsylvania vs the state
5.4%Denial rate-12.87 pts vs state
8.3%Decision denial rate-13.95 pts vs state
60.2%Origination rate-0.72 pts vs state
6.25%Median rate-0.38 pts vs state
-0.16Rate spread (pts)-0.39 pts vs state
$146kMedian applicant income
100Loans originated
9Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 78 | 40 | 16.7% | 6.50% | #406 |
| 2024 | 155 | 94 | 8.4% | 6.25% | #309 |
| 2025 | 166 | 100 | 5.4% | 6.25% | #307 |
What First Federal Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 21 | 15 | 0 | 0.0% |
| Montgomery County | 20 | 11 | 1 | 5.0% |
| Chester County | 18 | 10 | 1 | 5.6% |
| Philadelphia County | 12 | 6 | 0 | 0.0% |
| Bucks County | 12 | 5 | 1 | 8.3% |
| Butler County | 8 | 8 | 0 | 0.0% |
| Cumberland County | 8 | 6 | 0 | 0.0% |
| Mercer County | 6 | 4 | 0 | 0.0% |
| Delaware County | 5 | 4 | 0 | 0.0% |
| Westmoreland County | 5 | 1 | 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: 166 applications in 2025, of which 100 were originated and 9 denied.
5.4% of all applications, or 8.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans First Federal Bank originated in Pennsylvania in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are First Federal 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