First National Bank of Pennsylvania in Florida vs the state
9.7%Denial rate-11.38 pts vs state
11.4%Decision denial rate-15.87 pts vs state
75.4%Origination rate+22.71 pts vs state
6.25%Median rate-0.38 pts vs state
0.06Rate spread (pts)-0.21 pts vs state
$286kMedian applicant income
187Loans originated
24Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 203 | 140 | 12.8% | 6.13% | #381 |
| 2024 | 274 | 207 | 10.6% | 6.63% | #333 |
| 2025 | 248 | 187 | 9.7% | 6.25% | #341 |
What First National Bank of Pennsylvania lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most First National Bank of Pennsylvania applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 25 | 16 | 3 | 12.0% |
| Palm Beach County | 19 | 14 | 3 | 15.8% |
| Sarasota County | 19 | 12 | 4 | 21.1% |
| Broward County | 18 | 13 | 4 | 22.2% |
| Miami-Dade County | 16 | 14 | 0 | 0.0% |
| Lee County | 15 | 10 | 0 | 0.0% |
| Hillsborough County | 15 | 14 | 1 | 6.7% |
| Alachua County | 13 | 8 | 0 | 0.0% |
| Pinellas County | 12 | 9 | 0 | 0.0% |
| Pasco County | 10 | 6 | 2 | 20.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 248 applications in 2025, of which 187 were originated and 24 denied.
9.7% of all applications, or 11.4% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans First National Bank of Pennsylvania originated in Florida in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of Pennsylvania's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology