First Keystone Community Bank in Pennsylvania vs the state
6.3%Denial rate-12.00 pts vs state
6.7%Decision denial rate-15.49 pts vs state
81.8%Origination rate+20.86 pts vs state
7.15%Median rate+0.53 pts vs state
0.79Rate spread (pts)+0.55 pts vs state
$91kMedian applicant income
234Loans originated
18Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 400 | 302 | 13.0% | 7.85% | #160 |
| 2024 | 357 | 264 | 11.8% | 7.88% | #189 |
| 2025 | 286 | 234 | 6.3% | 7.15% | #231 |
What First Keystone Community Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most First Keystone Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Columbia County | 96 | 77 | 5 | 5.2% |
| Luzerne County | 91 | 80 | 2 | 2.2% |
| Monroe County | 24 | 15 | 6 | 25.0% |
| Lehigh County | 23 | 17 | 2 | 8.7% |
| Carbon County | 19 | 17 | 0 | 0.0% |
| Schuylkill County | 10 | 9 | 1 | 10.0% |
| Montour County | 8 | 8 | 0 | 0.0% |
| Northampton County | 5 | 5 | 0 | 0.0% |
| Wyoming County | 4 | 2 | 1 | 25.0% |
| Northumberland County | 2 | 2 | 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: 286 applications in 2025, of which 234 were originated and 18 denied.
6.3% of all applications, or 6.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans First Keystone Community Bank originated in Pennsylvania in 2025 was 7.15%, against a statewide median of 6.63%.
About this data. Figures are First Keystone 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