First National Bank of Pennsylvania in New York vs the state
44.4%Denial rate+24.69 pts vs state
50.0%Decision denial rate+25.96 pts vs state
44.4%Origination rate-15.15 pts vs state
6.94%Median rate+0.31 pts vs state
0.09Rate spread (pts)-0.12 pts vs state
$300kMedian applicant income
12Loans originated
12Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 8 | 7.7% | 6.88% | #436 |
| 2024 | 55 | 34 | 21.8% | 6.88% | #317 |
| 2025 | 27 | 12 | 44.4% | 6.94% | #393 |
What First National Bank of Pennsylvania lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most First National Bank of Pennsylvania applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chautauqua County | 7 | 2 | 4 | 57.1% |
| Nassau County | 5 | 2 | 3 | 60.0% |
| Erie County | 2 | 2 | 0 | 0.0% |
| Delaware County | 2 | 0 | 2 | 100.0% |
| Broome County | 2 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Tompkins County | 1 | 0 | 0 | 0.0% |
| Niagara County | 1 | 0 | 1 | 100.0% |
| Onondaga County | 1 | 1 | 0 | 0.0% |
| Otsego County | 1 | 0 | 1 | 100.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 27 applications in 2025, of which 12 were originated and 12 denied.
44.4% of all applications, or 50.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans First National Bank of Pennsylvania originated in New York in 2025 was 6.94%, 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 New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology