First National Bank of Pennsylvania in New Jersey vs the state
23.4%Denial rate+5.71 pts vs state
29.0%Decision denial rate+5.90 pts vs state
57.5%Origination rate+1.77 pts vs state
6.38%Median rate-0.38 pts vs state
0.01Rate spread (pts)-0.27 pts vs state
$454kMedian applicant income
27Loans originated
11Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 22 | 24.2% | 6.25% | #388 |
| 2024 | 93 | 54 | 20.4% | 6.75% | #263 |
| 2025 | 47 | 27 | 23.4% | 6.38% | #368 |
What First National Bank of Pennsylvania lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most First National Bank of Pennsylvania applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cape May County | 8 | 6 | 0 | 0.0% |
| Monmouth County | 8 | 3 | 2 | 25.0% |
| Camden County | 7 | 6 | 1 | 14.3% |
| Essex County | 5 | 3 | 1 | 20.0% |
| Burlington County | 4 | 2 | 1 | 25.0% |
| Gloucester County | 4 | 2 | 1 | 25.0% |
| Ocean County | 2 | 0 | 2 | 100.0% |
| Warren County | 2 | 0 | 2 | 100.0% |
| Union County | 1 | 0 | 1 | 100.0% |
| Hunterdon County | 1 | 1 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 47 applications in 2025, of which 27 were originated and 11 denied.
23.4% of all applications, or 29.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans First National Bank of Pennsylvania originated in New Jersey in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are First National Bank of Pennsylvania's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology