First Citizens Community Bank
First Citizens Community Bank received 885 applications in 2025 and made 720 mortgages, in 52 counties across 9 states. The median rate its borrowers got was 6.625% on a median loan of $245,000. Of 783 decisions, 61 were denials — 7.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300GZN0GWYE1KDB94 |
|---|---|
| Applications received | 885 |
| Mortgages made | 720 |
| Denied | 61 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 102 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.265 points |
| FDIC-insured bank | Yes: First Citizens Community Bank, 44 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 624 | 6.500% | $255,000 | 7.8% |
| Refinancing | 23 | 7.250% | $250,000 | 0.0% |
| Cash-out refinancing | 32 | 7.625% | $155,000 | 20.0% |
| Other purposes | 41 | 7.375% | $55,000 | 0.0% |
Where First Citizens Community Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Philadelphia County, PA | 238 | 6.250% | 8.5% |
| Montgomery County, PA | 82 | 6.625% | 3.5% |
| Bucks County, PA | 74 | 6.563% | 6.3% |
| Bradford County, PA | 55 | 7.250% | 9.8% |
| Tioga County, PA | 48 | 7.375% | 12.7% |
| Gloucester County, NJ | 21 | 6.625% | 8.7% |
| Delaware County, PA | 20 | 6.250% | 13.0% |
| New Castle County, DE | 18 | 7.120% | 5.3% |
| Berks County, PA | 18 | 6.990% | 5.3% |
| Schuylkill County, PA | 16 | 7.188% | 5.9% |
| Lebanon County, PA | 13 | 6.875% | 0.0% |
| Potter County, PA | 12 | 7.058% | 0.0% |
| Burlington County, NJ | 11 | 6.375% | 0.0% |
| Lancaster County, PA | 10 | 7.308% | 0.0% |
| Camden County, NJ | 9 | Under 10 loans | 0.0% |
| Cape May County, NJ | 7 | Under 10 loans | 12.5% |
| Salem County, NJ | 6 | Under 10 loans | 0.0% |
| Allegany County, NY | 5 | Under 10 loans | 16.7% |
| Centre County, PA | 5 | Under 10 loans | 0.0% |
| Chester County, PA | 5 | Under 10 loans | 0.0% |
| Atlantic County, NJ | 3 | Under 10 loans | 50.0% |
| Cumberland County, NJ | 3 | Under 10 loans | 25.0% |
| Ocean County, NJ | 3 | Under 10 loans | 0.0% |
| Clinton County, PA | 3 | Under 10 loans | 0.0% |
| Dauphin County, PA | 3 | Under 10 loans | 0.0% |
| Lehigh County, PA | 3 | Under 10 loans | 0.0% |
| Lycoming County, PA | 3 | Under 10 loans | 0.0% |
| Somerset County, NJ | 2 | Under 10 loans | 0.0% |
| Chemung County, NY | 2 | Under 10 loans | 33.3% |
| Tioga County, NY | 2 | Under 10 loans | 0.0% |
| Carbon County, PA | 2 | Under 10 loans | 0.0% |
| York County, PA | 2 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Indian River County, FL | 1 | Under 10 loans | 0.0% |
| Clayton County, GA | 1 | Under 10 loans | 50.0% |
| Baltimore County, MD | 1 | Under 10 loans | 0.0% |
| Wicomico County, MD | 1 | Under 10 loans | 0.0% |
| Cascade County, MT | 1 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 1 | Under 10 loans | 0.0% |
| Union County, NJ | 1 | Under 10 loans | 0.0% |
| Warren County, NJ | 1 | Under 10 loans | 0.0% |
| Cortland County, NY | 1 | Under 10 loans | 0.0% |
| Rockland County, NY | 1 | Under 10 loans | 0.0% |
| Columbia County, PA | 1 | Under 10 loans | 0.0% |
| Cumberland County, PA | 1 | Under 10 loans | 0.0% |
| Luzerne County, PA | 1 | Under 10 loans | 50.0% |
| Northumberland County, PA | 1 | Under 10 loans | 0.0% |
| Perry County, PA | 1 | Under 10 loans | 0.0% |
| Mercer County, NJ | 0 | Under 10 loans | Not published |
| Erie County, NY | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.