First National Bank and Trust Company of Newtown in Pennsylvania vs the state
13.6%Denial rate-4.73 pts vs state
14.3%Decision denial rate-7.92 pts vs state
72.0%Origination rate+11.07 pts vs state
—Median rate
—Rate spread (pts)
$175kMedian applicant income
85Loans originated
16Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 117 | 94 | 12.8% | — | #356 |
| 2024 | 105 | 79 | 14.3% | — | #362 |
| 2025 | 118 | 85 | 13.6% | — | #357 |
What First National Bank and Trust Company of Newtown lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most First National Bank and Trust Company of Newtown applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bucks County | 110 | 78 | 15 | 13.6% |
| Montgomery County | 5 | 5 | 0 | 0.0% |
| Philadelphia County | 1 | 0 | 1 | 100.0% |
| Luzerne County | 1 | 1 | 0 | 0.0% |
| Schuylkill County | 1 | 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: 118 applications in 2025, of which 85 were originated and 16 denied.
13.6% of all applications, or 14.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First National Bank and Trust Company of Newtown'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