First Citizens Community Bank mortgage approval rate & lending review
First Citizens Community Bank decided 1,488 mortgage applications and funded 1,382 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Citizens Community Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Citizens Community Bank at a glance
Approval is 6.9 points above the 86.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 1,139 / 1,221 | 100% | $275K | 1,139 |
| Cash-out refinance | 87% | 40 / 46 | 100% | $185K | 40 |
| Investment property purchase | 91% | 123 / 135 | 99% | $185K | 122 |
| Investment cash-out refinance | 84% | 21 / 25 | 100% | $175K | 21 |
First Citizens Community Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 93% | $255K | 1,209 | 1,129 |
| New Jersey | 91% | $295K | 176 | 160 |
| Delaware | 91% | $295K | 81 | 74 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Citizens Community Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Philadelphia County, PA | Mortgage lenders | 92% | 465 | 429 |
| Bucks County, PA | Mortgage lenders | 96% | 191 | 184 |
| Montgomery County, PA | Mortgage lenders | 96% | 162 | 155 |
| Delaware County, PA | Mortgage lenders | 93% | 60 | 56 |
| Gloucester County, NJ | Mortgage lenders | 100% | 48 | 48 |
| Philadelphia County, PA | Investment property purchase | 83% | 41 | 34 |
| Schuylkill County, PA | Mortgage lenders | 94% | 32 | 30 |
The county markets where First Citizens Community Bank made the most loans. Each link opens that market with every lender ranked.
Questions about First Citizens Community Bank
What is First Citizens Community Bank's mortgage approval rate?
First Citizens Community Bank approved 92.9% of the 1,488 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.9 points above the 86.1% national rate for the same mix of loan types.
How often do borrowers take the loan First Citizens Community Bank offers?
Borrowers accepted 100% of the loans First Citizens Community Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Citizens Community Bank make?
The typical home purchase mortgage loan First Citizens Community Bank made was $275K; across all loan types its typical loan ran from $175K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Citizens Community Bank lend?
First Citizens Community Bank decided applications in 12 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and Delaware.
Can I apply to First Citizens Community Bank directly?
Yes. First Citizens Community Bank is a bank or credit union with 44 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Citizens Community Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Citizens Community Bank treats applications, then get a rate quote from the lender.