First National Bank of America in Pennsylvania vs the state
12.1%Denial rate-6.24 pts vs state
15.2%Decision denial rate-7.06 pts vs state
63.9%Origination rate+2.90 pts vs state
9.00%Median rate+2.38 pts vs state
2.71Rate spread (pts)+2.47 pts vs state
$96kMedian applicant income
53Loans originated
10Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 132 | 76 | 25.0% | 10.13% | #337 |
| 2024 | 99 | 59 | 16.2% | 9.49% | #374 |
| 2025 | 83 | 53 | 12.1% | 9.00% | #401 |
What First National Bank of America lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 17 | 10 | 4 | 23.5% |
| Montgomery County | 13 | 10 | 0 | 0.0% |
| Allegheny County | 12 | 9 | 0 | 0.0% |
| Delaware County | 9 | 6 | 0 | 0.0% |
| Bucks County | 4 | 3 | 0 | 0.0% |
| Chester County | 3 | 2 | 1 | 33.3% |
| Monroe County | 3 | 1 | 1 | 33.3% |
| Lehigh County | 2 | 1 | 0 | 0.0% |
| Dauphin County | 2 | 1 | 1 | 50.0% |
| Lebanon County | 2 | 1 | 1 | 50.0% |
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: 83 applications in 2025, of which 53 were originated and 10 denied.
12.1% of all applications, or 15.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans First National Bank of America originated in Pennsylvania in 2025 was 9.00%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of America'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