Lender in Pennsylvania · HMDA 2025
First Citizens Community Bank mortgages in Pennsylvania
First Citizens Community Bank's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
First Citizens Community Bank originated 495 owner-occupied single-family loans in Pennsylvania from 537 completed applications.
Its median conventional purchase loan costs were $5,060 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.50% (Pennsylvania: 6.625%).
Loans in PA
495
of 537 applications
Denial rate
7.4%
Purchase · PA 6.7%
Rate spread
+0.19 pts
Conv. · PA +0.17 pts
Loan amount
$255,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 514 | 476 | 7.4% | 6.500% | +0.19 pts | $5,060 | $255,000 |
| Refinance | 9 | 9 | — | — | — | — | — |
| Cash-out refinance | 14 | 10 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where First Citizens Community Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bradford County | 5 | 30 | 6.1% |
| Tioga County | 5 | 18 | 5.5% |
| Potter County | 5 | 8 | 6.7% |
| Philadelphia County | 11 | 215 | 1.7% |
| Schuylkill County | 24 | 13 | 0.9% |
| Bucks County | 25 | 68 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology